文档库

最新最全的文档下载
当前位置:文档库 > 非车险常用中英文附加条款汇编(重点)

非车险常用中英文附加条款汇编(重点)

非车险常用中英文附加条款汇编

目录

一般附加条款 (10)

30天注销保单通知条款/30 Days Notice of Cancellation Clause (10)

60天不续保通知条款/60 Days Non-Renewal Notice Clause (10)

理赔控制条款/Claims Control Clause (10)

共同被保险人条款/Joint-Insured Clause (11)

司法管辖权条款/Jurisdiction Clause (11)

指定公估人条款/Loss Adjusters Clause (11)

损失通知条款/Loss Notification Clause (12)

不受控制条款/No Control Clause (12)

不可注销保单条款/Non-Cancellation Clause (12)

不使失效条款/Non-invalidation Clause (12)

预付赔款条款A/Payment on Account Clause (13)

预付赔款条款B (13)

分期付费条款A/Premium Installment Clause (13)

分期付费条款B (14)

利益可分性条款/Severability of Interest Clause (14)

放弃代位追偿扩展条款/Waiver of Subrogation Clause (14)

财产险2000年问题除外责任条款/Year 2000 Problem Exclusion Clause (15)

索赔单据条款 (16)

财产险附加条款 (17)

72小时条款/72 Hours Clause (17)

50/50条款(50/50 Clause) (17)

地面突然下陷下沉扩展条款/ Accidental Subsidence of Ground Extension Clause (18)

定值保险条款/ Agreed Value Insurance Clause (18)

空运费扩展条款/ Air Freight Fee Extension Clause (19)

其他物品扩展条款/ All Other Contents Extension Clause (19)

建筑物变动扩展条款/ Alteration of Building Clause (20)

权益转让条款/Assignment Clause (20)

自动承保条款/ Automatic Cover Clause (21)

自动恢复保险金额条款/ Automatic Reinstatement of Sum Insured Clause (22)

分摊豁免条款/ Average Relief Clause (20%) (22)

锅炉、压力容器扩展条款/ Boilers and Pressure Vessels Extension Clause (23)

商标条款/Brand & Trademark Clause (23)

违反条件条款/ Breach of Conditions Clause (24)

玻璃破碎扩展条款/ Breakage of Glass Extension Clause (24)

玻璃破碎扩展条款(财产一切险)/ Breakage of Glass Clause (PAR) (25)

玻璃破碎扩展条款(财产险)/ Breakage of Glass Clause (财产险) (25)

盗窃险条款/ Burglary Insurance Clause (25)

水箱、水管爆裂扩展条款/ Bursting of Water Tank or Water Pipe Extension Clause (26)

增加资产扩展条款A/ Capital Additions Extension Clause (A) (27)

增加资产扩展条款B/ Capital Additions Extension Clause (B) (27)

85%扩展条款/ Co-Insurance Extension Clause (85%) (28)

合同价格扩展条款/ Contract Price Extension Clause (28)

复制费用扩展条款/ Cost of Duplication Extension Clause (29)

清理残骸费用扩展条款/ Debris Removal Expenses Extension Clause (29)

财物种别条款/ Designation of Property Clause (29)

索赔单据条款/ Documents Clause (30)

地震扩展条款/ Earthquake Extension Clause (30)

紧急抢险条款/ Emergency Rescue Clause (31)

错误和遗漏条款/ Error and Omissions Clause (31)

自动升值扩展条款/ Escalation Extension Clause (32)

特别费用扩展条款/ Extra Charges Extension Clause (32)

飞行物体及其他空中运行物体坠落扩展条款/ Falling of Flying Objects Extension Clause (33)

灭火费用扩展条款A/ Fire Fighting Cost Extension Clause (A) (33)

灭火费用扩展条款B/ Fire Fighting Cost Extension Clause (B) (33)

消防队灭火费用扩展条款/ Fire Fighting Brigade Charges Extension Clause (34)

消防保证条款/ Fire Prevention Facilities Warranty Clause (34)

洪水除外条款/ Flood and Inundation Exclusion Clause (35)

洪水扩展条款/ Flood Extension Clause (35)

防洪保证条款/ Flood Prevention Warranty Clause (36)

地基除外条款/ Foundation Exclusion Clause (36)

冰雹扩展条款/Hailstone Extension Clause (37)

起重、运输机械扩展条款/ Hoisting and Transport Machinery Extension Clause (37)

碰撞扩展条款/ Impact Damage Extension Clause (38)

碰撞除外条款/ Impact damage Exclusion Clause (38)

阻止条款/ Inhibition Clause (38)

内陆运输扩展条款A/ Inland Transit Extension Clause (A) (39)

内陆运输扩展条款B/ Inland Transit Extension Clause (B) (39)

数据损失澄清条款/IT Clarification Clause (40)

地崩及地陷条款/ Landslip & Subsidence Clause (40)

遵守法律规定保证条款/ Legal Requirements Warranty (41)

雷电扩展条款/ Lightning Extension Clause (41)

车辆装载物扩展条款/Loaded Property Extension Clause (42)

铁路机车车辆扩展条款/ Locomotive Extension Clause (42)

赔款接受人条款/ Loss Payee Clause (43)

抵押权条款/ Mortgage Clause (43)

泥石流、崩塌、突发性滑坡扩展条款/ Mud-rock flow, Avalanche and Sudden Landslip Extension Clause (44)

恶意破坏扩展条款/ Malicious Damage Extension Clause (44)

不受控制条款/ No Control Clause (45)

指定公估人条款/ Nomination of Loss Adjusters Clause (45)

不使失效条款/ Non-invalidation Clause (45)

非占用者业主条款/ Non Occupying Landlord Clause (46)

场所外财产条款/ Off Premises Property Clause (46)

油气管道损坏扩展条款/ Oil or Gas Pipeline Damage Extension Clause (47)

建筑物外部附属设施扩展条款A/ Outside Ancillary Devices of Building Extension Clause (A) (47)

建筑物外部附属设施扩展条款B/ Outside Ancillary Devices of Building Extension Clause (B) (48)

委托加工扩展条款/ Out-sourcing Processing Extension Clause (48)

成对或成套设备条款/ Pair & Set Clause (49)

预付赔款条款A/ Payment on Account Clause (A) (49)

预付赔款条款B/ Payment on Account Clause (B) (49)

雇员个人物品扩展条款/ Personal Effects of Employees Extension Clause (50)

便携式设备扩展条款/ Portable Devices on Premises Extension Clause (50)

专业费用扩展条款/ Professional Fee Extension Clause (51)

分期付费条款A/ Premium Instalment Clause (A) (51)

分期付费条款B/ Premium Instalment Clause (B) (52)

露天存放及简易建筑内财产扩展条款A/ Property in the Open or Simple Building Extension Clause (A) 52 露天存放及简易建筑内财产扩展条款B/ Property in the Open or Simple Building Extension Clause (B) 53 公共当局扩展条款/ Public Authority Extension Clause (53)

冷库扩展条款/ Refrigerating Plants Extension Clause (54)

重置价值条款(存货除外)/ Reinstatement Value Clause (not applicable to stock item) (55)

清理残骸条款/ Removal of Debris Clause (56)

沙尘暴除外条款/ Sandstorm Exclusion Clause (57)

沙尘暴扩展条款/ Sandstorm Extension Clause (57)

简易建筑除外条款/ Simple Building Exclusion (58)

烟熏扩展条款/ Smoke Damage Extension Clause (58)

暴雪、冰凌扩展条款/ Snowstorm and Icicle Extension Clause (59)

自燃除外条款/ Spontaneous Combustion Exclusion Clause (59)

自燃扩展条款/ Spontaneous Combustion Extension Clause (59)

自动喷淋系统水损扩展条款/ Sprinkler Leakage Damage Extension Clause (60)

仓储财产申报条款/ Stock Declaration and Adjustment Clause (60)

暴风雨除外条款/ Storm and Tempest Exclusion Clause (61)

暴风雨扩展条款/ Storm and Tempest Extension Clause (61)

存放保证条款/ Storage Warranty (62)

罢工、暴乱及民众骚乱扩展条款/ Strike Riot and/or Civil Commotions Extension Clause (62)

供应中断扩展条款A/ Supply Failure Extension Clause (A) (63)

供应中断扩展条款B/ Supply Suspension Extension Clause (B) (63)

供应中断扩展条款C/ Supply Failure Extension Clause (C) (63)

供应中断扩展条款D/ Supply Failure Extension Clause (D) (64)

临时保护措施扩展条款/ Temporary Protection Extension Clause (64)

厂区间临时移动扩展条款/Temporary Removal between Factories Extension Clause (65)

临时移动扩展条款/ Temporary Removal Extension Clause (65)

恐怖活动扩展条款/ Terrorism Extension Clause (66)

盗窃、抢劫扩展条款/ Theft, Burglary and Robbery Extension Clause (66)

龙卷风除外条款/ Tornado Exclusion Clause (67)

龙卷风扩展条款/ Tornado Extension Clause (67)

运输条款/ Transit Clause (68)

台风、飓风除外条款/ Typhoon and Hurricane Exclusion Clause (68)

台风、飓风扩展条款/ Typhoon and Hurricane Extension Clause (69)

建筑物未受损部分额外费用扩展条款/ Undamaged Building Extra Charges Extension Clause (69)

放弃代位追偿扩展条款/ Waiver of Subrogation Extension Clause (70)

装修工人条款/ Workmen Clause (70)

企财险附加条款1(仓储物扩展条款) (70)

企财险附加条款2(洪水责任水位线条款) (71)

企财险附加条款3(建筑物外部附属设施扩展条款) (71)

企财险附加条款4(防洪保证条款) (71)

企财险附加条款5(简易建筑物扩展条款) (71)

机损险附加条款 (73)

空运费条款/Airfreight Clause (73)

自动恢复保险金额条款/Automatic Reinstatement of Sum Insured Clause (73)

特别费用条款/Extra Charges Clause (74)

电动马达检修条款/Overhaul of Electric Motors (74)

蒸气、水、气体涡轮机及涡轮发电机条款/Overhaul of Steam, Water and Gas Turbines and Turbo-Generator Sets (75)

专业费用条款/Professional Fees Clause (76)

清除残骸费用条款/Removal of Debris Clause (77)

罢工、暴乱、民众骚动损失条款/Strike, Riot, Civil Commotion Clause (77)

利损险附加条款 (78)

货物累积条款/Accumulated Stocks Clause (78)

炸弹恐吓条款/Bomb Scare Extension (78)

通道堵塞条款/Denial of Access (78)

部门条款/Departmental Clause (79)

财物种别条款/Designation of Property Clause (79)

包括全部营业额条款/Inclusion of All Turnover (79)

谋杀等条款/Infectious Disease Murder and Closure Clause (80)

调整保险费条款/Premium Adjustment Clause (80)

公共事业设备扩展条款/Public Utilities Extension (81)

恢复保险金额条款/Reinstatement of Sum Insured Clause (82)

未保险的维持费用条款/Uninsured Standing Charges Clause (82)

免赔额豁免条款/Waiver of Excess Clause (82)

遗失欠款帐册条款/Loss of Book Debts Clause (83)

每月预付赔款 (83)

工程险附加条款 (84)

空运费扩展条款/Airfreight Clause (84)

违反保单条件条款/ Breach of Conditions Clause (84)

烧焊条款/Burning & Welding Clause (84)

工棚、库房特别条款/Camps and Stores Clause (85)

水泥存储保证条款/Cement Storage warranty (85)

赔款控制条款/Claims Control Clause (Applicable to Section 1 & 2) (86)

建筑材料特别条款/Construction Material Clause (86)

施工用机具特别条款/Construction Plant, Equipment and Machinery Clause (86)

建筑、安装施工机具、设备扩展条款/Construction/Erection Machinery Clause (87)

工程完工部分扩展条款/Contract Works Taken Over or Put into Service Clause (87)

契约责任扩展条款/Contractual Liability Clause (88)

清除污染费用扩展条款/Cost for Decontamination Clause (88)

交叉责任扩展条款/Cross Liability Clause (89)

海关关税条款/Customs Duties Clause (90)

大坝、水库工程除外特别条款/Dams and Water Reservoirs Clause (90)

设计错误、原材料缺陷及工艺不善条款/Defective Design, Materials and Workmanship (92)

扩展责任保证期扩展条款/Defects Liability Period Clause (92)

设计师风险扩展条款/Designer’s Risk Clause (92)

钻井工程特别条款/Drilling Work For Water Wells Clause (93)

雇主财产财产扩展条款/Employer’s Property Extensi on (94)

10%增值条款/Escalation Clause-10% of sum insured (94)

农作物、森林除外条款/Exclusion of Crops, Forests and Cultures Claus (94)

地震除外条款/Exclusion of Earthquake Clause (95)

洪水除外条款/Exclusion of Flood and Inundation Clause (95)

原有建筑物及周围财产扩展条款/Existing Structures and/or Surrounding Property Clause (95)

扩展责任保证期扩展条款/Extended Maintenance Clause (96)

免费续期2个月保险扩展条款/Extension of Insurance period for 2 months without extra charge clause (97)

灭火费用条款/Extinguishing Expenses Clause (97)

特别费用扩展条款/Extra Charges Clause (97)

灭火费用条款/Fire Extinguishment Costs Clause (98)

防火设施特别条款/Fire-Fighting Facilities Clause (98)

免费提供物料扩展条款/Free Issue materials Clause (99)

保证期特别扩展条款/Guarantee Period Clause (99)

起重机、未登记车辆责任扩展条款/Hoisting, Cranes &/or Unregistered Vehicles Liability Clause (99)

碳氢化合物生产业特别条款一/Hydrocarbon Processing Industries Clause (one) (100)

碳氢化合物生产业特别条款二/Hydrocarbon Processing Industries Clause (two) (101)

业主保障条款/Indemnity To Principals Clause (101)

内陆运输扩展条款/Inland Transit Clause (101)

共同被保险人条款/Joint-Insured Clause (102)

司法管辖权条款/Jurisdiction Clause (102)

铺设管道、电缆特别条款/Laying Pipelines, Ducts and Cables Clause (103)

铺设供水、污水管特别条款/Laying Water Supply and Sewer Pipes Clause (103)

埋管查漏费用特别条款/Leak search costs when Laying Pipelines Clause (104)

检查维护条款/Maintenance & Inspection Clause (105)

有限责任保证期扩展条款/Maintenance Visits Clause (105)

运输险、工程险责任分摊条款/Marine Cargo Insurance (50/50) Clause (106)

海工特别条款/Marine Work Special Condition (106)

抵押条款/Mortgagee Clause (107)

非疏忽过错赔偿条款/Non-negligent Indemnity (107)

核燃料组件条款/Nuclear Fuel Elements Clause (108)

阻碍或妨害条款/Obstruction & Nuisance Clause (109)

工地外储存物特别条款/Offsite Storage Clause (109)

手术条款/Operative Clause (110)

预付赔款条款/Payment On Account Clause (110)

打桩条款/Piling Conditions (110)

工程图纸、文件特别条款/Plans and Documents Clause (111)

保费调整条款/Premium Adjustment Clause (111)

到期保费调整条款/Premium Adjustment Upon Expiry (111)

分期付费条款/Premium Installment Clause (112)

业主财产扩展条款/Principal's Property Clause (112)

专业费用特别条款/Professional Fees Clause (112)

季度申报条款/Quarterly Declaration Clause (113)

压力反应堆特别扩展条款/Reactor Pressure Vessel with Internals Clause (113)

清除残骸费用扩展条款/Removal of Debris Clause (114)

清除滑坡土石方特别除外条款/Removal of Debris from Landslides Clause (114)

保单延续条款/Run off Clause (114)

安全防范条款/Safety Precautions Clause (115)

罢工、暴乱及民众骚动扩展条款/Strike, Riot and Civil Commotion Clause (115)

地震地区建筑物特别条款/Structures in Earthquake Zones Clause (117)

试车条款/Testing & Commissioning Clause v.1 (117)

时间调整特别条款/Time Adjustment Clause (118)

建筑、安装工程时间进度特别条款/Time Schedule Clause (118)

隧道工程特别除外条款/Tunnels ad Galleries Clause (119)

地下电缆、管道及设施特别条款/Underground Cables, Pipes and Other Facilities Clause (119)

地下服务设施条款/underground service clause (120)

地下工程条款/Underground Works Clause (120)

地下炸弹特别条款/Unexploded Bombs Clause (121)

旧设备除外条款/Used Machinery Clause (121)

震动、移动或减弱支撑扩展条款/Vibration, Removal or Weakening of Support Clause (122)

放弃代位求偿条款/Waiver of Subrogation Clause (123)

机器设备测试特别条款/Testing & Commissioning Clause v.2 (123)

币种特别条款 (123)

自动恢复保额特别条款/Automatic Reinstatement of Sum Insured Clause (124)

诉讼及劳务费用特别条款/Sue & Labor Clause (124)

工地外储存财产扩展条款 (124)

制造商风险扩展条款/Manufacturer's Risks Clause (125)

被保险人控制财产扩展条款 (125)

违反义务特别条款 (126)

转移至安全地点特别条款 (126)

连续损失特别条款 (126)

风暴除外条款 (126)

预防降雨、洪水等安全措施特别条款/Special Conditions Concerning Safety Measures with Respect to Precipitation, Flood and Inundation (127)

隧道、坑道、临时或永久地下建筑安装工程特别条款 (127)

地下管道钻探特别条款 (128)

分段施工特别条款 (128)

工地内消防设施和防火措施特别条款 (128)

打桩及挡土墙除外条款/Piling, foundation and retaining wall construction work (129)

水平钻探损失除外条款 (130)

被保险人保证特别条款 (130)

临时通道特别条款 (130)

弃井特别条款 (130)

打桩特别条款 (131)

沉降特别条款 (131)

公众责任险附加条款 (131)

意外污染条款/Accidental Pollution Clause (131)

恐怖活动条款/Act of Terrorism Extension Clause (132)

广告及装饰装置责任条款/Advertising Signs and Decorations Liability Clause (132)

锅炉爆炸责任条款/Boiler Explosion and Collapse Extended Insurance Clause (133)

建筑物改变条款/Building Alterations Clause (133)

停车场责任条款/Car Park liability Clause (134)

泊车服务条款/Car Park Service Clause (134)

承包人意外责任条款/Contractors Contingent Liability Clause (135)

契约责任条款/Contractual Liability Clause (135)

交叉责任条款/Cross Liability Clause (136)

交叉责任条款/Cross Liability Clause 2 (136)

有缺陷的卫生装置条款/Defective Sanitary Installation Clause (136)

运输货物扩展条款/Delivery Goods Extension (137)

电梯责任条款/Elevator and Escalator Clause (137)

海外公干条款/Employees Temporary Working Overseas (138)

展览和销售演示条款/Exhibition and Sales demonstration (138)

救火费用条款/Extinguishing Expenses Clause (138)

火灾和爆炸责任条款/Fire & Explosion Extension Clause (139)

灭火及水损责任条款/Fire Brigade and Water Damage Clause (139)

急救责任条款/First Aid Liability Clause (140)

急救费用条款/First aid treatment Clause (140)

食品、饮料责任条款/Food and Drink Clause (140)

提供物品及服务条款/Goods and Services Clause (141)

客人财产责任条款/Guest's Property Clause (141)

租用及非拥有机动车辆责任条款/Hire and Non-owned Automobiles Liability Clause (142)

起重机及起重设备责任条款/Hoists, Cranes and/or Unregistered Vehicles Liability Clause (143)

业主赔偿条款/Indemnity to Principals Clause (143)

房东保障条款/Indemnity to Landlord Clause (144)

独立承建商责任条款/Independent Contractors Liability Clause (144)

洗衣房责任条款/Laundry Liability Clause (145)

电梯、升降机责任扩展条款/Lifts, Elevators and Escalators Liability Clause (145)

车辆装卸责任条款/Loading and Unloading of Vehicles Clause (146)

修改、修理及保养责任条款/Maintenance, Repair and Decoration of the Premises Clause (146)

租用汽车责任条款/Motor Contingent Liability Clause (146)

人身侵害责任条款/Personal Injury Liability Clause (147)

联谊及康乐活动责任附加条款/Social and/or Welfare Club Clause (147)

罢工、暴乱、民众骚动及恶意破坏条款/Strike, Riot, Civil Commotion or Malicious Damage Extension

游泳池责任条款/Swimming Pool Liability Clause (148)

出租人责任条款/Tenant’s Liability Clause (149)

董事及高级管理人员个人第三者责任条款/Third Party Liability of Directors and Executives Clause (149)

雇主责任险附加条款 (150)

第三者责任保险条款 (150)

核子辐射责任条款 (150)

员工公(劳)务出国条款/Employees Temporarily Working Oversea Clause (150)

膳食条款/Catering Facilities Clause (151)

反常天气条款/Extraordinary Weather Condition Clause (151)

保费调整条款/Premium Adjustment Clause (151)

社会活动条款/Social Activities Clause (152)

产品责任险附加条款 (152)

石棉除外条款/Absolute Asbestos Exclusion (152)

污染除外条款/Absolute Pollution Exclusion (153)

过敏除外条款/Allergy Exclusion Clause (153)

同一批次产品条款/Batch Clause (153)

电路板、电池除外条款/Circuit Board & Battery Exclusion Clause (154)

以索赔提出为基础条款/Claim Made Basis Clause (154)

交叉责任条款/Cross Liability (155)

抗辩费用条款/Defense Cost within the Limit of Indemnity subject to Self Insured Retention (155)

指定经销商责任条款/Designated Vendor Liability (156)

功效除外条款/Efficacy Exclusion Clause (156)

电磁辐射、无线电波除外条款/Electromagnetic Radiation and Radiofrequency Waves Exclusion (157)

雇员人身伤害除外条款/Employees' Bodily Injury Exclusion (157)

转基因体除外条款/Genetically Modified Organisms (GMO) (157)

铅物质除外条款/Lead Exclusion (158)

指定公估人条款/Loss Adjuster Clause (158)

核能责任除外条款/Nuclear Energy Liability Exclusion (158)

以发生为基础条款(事故报告期不得超过3年)/Occurrence Basis Clause (with reporting period not exceed

3 years from inception) (160)

保费调整条款/Premium Adjustment Clause (160)

完工操作风险条款/Product-completed operation (160)

惩罚性赔偿除外条款/Punitive/Exemplary Damage Exclusion (161)

硅除外条款/Silica Exclusion (161)

美加地区操作除外条款/US/Canada domiciled operations exclusion clause (161)

列明经销商扩展条款/Vendor Broad Form Liability (162)

战争及恐怖主义除外条款/War and Terrorism Exclusion (162)

一般附加条款

30天注销保单通知条款/30 Days Notice of Cancellation Clause

30天注销保单通知条款

被保险人可随时书面通知保险人注销本保险单,保险人将依照短期费率计收保险生效期间的保费。保险人亦可提前三十天书面通知被保险人注销本保险单,保险人将退还被保险人从保险单取消之日起未满期限的按日比例计算的保险费。

30 Days Notice of Cancellation Clause

The insurance may a t any time be terminated at the option of the insurer, giving 30 days’ notice to that effect being giving to the insured, in which case the Company shall be liable to repay on demand a ratable proportion of the premium for the unexpired terms from the date of the cancellation.

The insurance may also at any time be terminated at the option of the insured, giving immediate notice to that effect being giving to the Insurer, in which case the insured shall be charged on a short period premium for the expired terms from the date of inception.

备注:天数可变动 30/60/90

60天不续保通知条款/60 Days Non-Renewal Notice Clause

60天不续保通知条款

保险期限终止之前,本公司可提前60天书面通知被保险人本公司不虚报本保险单。通知必须按照本公司得知的被保险人的最新地址,派专人或由合格的邮递部门送至被保险人。

60 Days Non-Renewal Notice Clause

The Company may not renew the p olicy by sending the Insured 60 days’ notice in writing prior to the Policy expiration date. Notification is to be delivered personally or posted by certified mail to the Insured at his latest known address notified to the Company.

备注:天数可变动 30/60

理赔控制条款/Claims Control Clause

Claims Control Clause

The Reinsured thereby undertakes to advise Reinsurers of the occurrence of any accident which may give rise to a claim hereafter as soon as they themselves are made aware of it, and in such event will cooperate with Reinsurers in the defence or settlement of such claim and in no case shall the Reinsured make any admission of liability under the original policy without the consent in writing of the Reinsurers having the first been obtained.

共同被保险人条款/Joint-Insured Clause

共同被保险人条款

鉴于组成被保险人之各方当事人为独立的、不同的实体(不管本保单条文中是否有任何相关约定),各方当事人的一切权利也应被视为独立的,如同他们各自持有保障其各自权益的独立保单一样。任何一方未能遵从、履行或遵守本保单的条款或条件,不会导致本保险单其它各方的权利受损。

对本保险单项下的任何索赔或保单明细表列明的自负责任之外的索赔,本公司将放弃向被保险人任何一方或其董事、代理、雇员或其他保单追偿的权利。

Joint-Insured Clause

As all the parties comprising the Insured operate as separate and distinct entities the rights of each of the parties in all respects shall (notwithstanding anything contained or implied herein to the contrary) be treated as though each of the parties had separate policies for their respective rights and interests.

Notwithstanding anything in the policy to the contrary, it is expressly understood and agreed that the failure of any Insured party to comply with, fulfill or observe the terms and conditions of the policy shall not prejudice the rights of any other Insured party or parties under the policy.

The Company hereby agree to waive all rights of subrogation or action which they may have or acquire against any of the parties comprising the Insured or their directors agents or employees or their insurance arising out of any occurrence in respect of which any claim is admitted hereunder or which but for the application of any Retained Liability mentioned in the Schedule of this policy would be made hereunder.

司法管辖权条款/Jurisdiction Clause

Jurisdiction Clause

The Company shall not be liable in respect of any judgment that are delivered by or obtained from a court outside the People's Republic of China.

It is further provided that the Indemnity shall not apply to a judgment or order obtained in the People's Republic of China for the enforcement of a judgment obtained elsewhere.

指定公估人条款/Loss Adjusters Clause

指定公估人条款

经双方同意,当发生保险责任范围内的损失,估损金额超过本保险合同中载明的相应金额时,可以指定双方认可的有合法执业资格的机构作为公估人,公估费用由保险人承担。

本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。

Loss Adjusters Clause

It is hereby declared and agreed that the Company’s Claims Handling Representative would appoint qualified international loss adjusters in Hong Kong/PRC to investigate and adjust the loss.

损失通知条款/Loss Notification Clause

Loss Notification Clause

Notwithstanding anything contained herein to the contrary, it is hereby declared and agreed that this insurance will not be prejudiced by any inadvertent delays, errors, or omission in notifying the insurers of any circumstances or event giving rise or likely to give rise to a claim inside this Policy.

Subject otherwise to the Terms, Exceptions and Conditions of this Policy.

不受控制条款/No Control Clause

不受控制条款

经双方同意,被保险人在无法控制或不存在过错的情况下违反本保险合同的条件和保证,本保险合同的保障不受影响。

本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。

No Control Clause

Any breach of the written warranties in this Policy without the knowledge and consent of the Insured shall not prejudice this insurance, provided due diligence be exercised by the Insured to ensure that same are complied with.

不可注销保单条款/Non-Cancellation Clause

不可注销保单条款

未经双方同意,保险公司和被保险人均不得注销本保险单。但本条款不适用于被保险人未能按照约定支付保险费的情况下。

Non-Cancellation Clause

不使失效条款/Non-invalidation Clause

不使失效条款

经双方同意,在投保人、被保险人完全不知情的情况下,本保险合同不因保险标的所占用场地或价值的变更、保险标的危险程度的增加或其它重要事项的变化而失效。但投保人、被保险人一旦知道该情况,应立即通知保险人,并支付从风险增加之日起至保险期间届满之日止期间可能的额外保险费,否则保险人不承担保险责任。

本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。

Non-invalidation Clause

It is hereby agreed that this Insurance shall not be invalidation by any change of occupancy or increase of risk

taking place in the Property Insured without the Insured's knowledge provided that they shall, immediately on the same coming to their knowledge, advise the Company and pay any additional premium that may be required from the date of such increase of risk.

预付赔款条款A/Payment on Account Clause

预付赔款条款A

经双方同意,发生保险责任范围内的损失,经保险人或保险人委托的公估人理算后,损失金额已确定部分的赔款可预付给被保险人,该部分预付赔款应从总赔款金额中扣除。

本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。

Payment on Account Clause

It is hereby understood and agreed that in the event of the occurrence of a loss covered under this policy the company may approve an advance payment on account in respect of such loss at the request of the insured and with the loss adjuster's recommendation.

预付赔款条款B

预付赔款条款B

经双方同意,发生保险责任范围内损失,保险人在收到被保险人的索赔请求及相关单证资料之日起六十天内,未能确定赔偿金额的,根据被保险人的要求及公估人(理算师)的建议,保险人可预先支付部分赔款,金额限于预计赔偿金额的40%。

本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。

分期付费条款A/Premium Installment Clause

分期付费条款A

经双方同意,本保险合同项下保险费可以按照约定的分期支付日期和金额支付。

若投保人未按约定支付保险费,从应付之日起至实际支付之日止的期间内发生保险责任范围内的损失的,保险人不承担赔偿责任。

投保人在付清本保险合同项下全部保险费之前,如保险标的发生损失,保险人应支付的赔偿金额超过投保人未支付的保险费时,保险人有权在赔偿金额中扣除投保人尚未支付的保险费。

本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。

Premium Installment Clause

It is agreed and understood that the total premium under this Policy shall be paid in installments on the following conditions:

No. of Installment Amount to be paid Date of Payment

In case the Insured fails to pay a required premium on the above-specified date. The Insurers shall not be liable for any loss of and/or damage to the subject matters insured arising during the period from the date of payment to the day when such belated premium has been paid. Until the Insured has paid all the premiums on this Policy, the Insurers shall be entitled to make deductions in respect of unpaid premium from the amount of claims paid and to be paid for any recoverable claims where the aggregate amount of claims paid and to be paid exceeds that unpaid premium.

分期付费条款B

分期付费条款B

经双方同意,本保险合同项下保险费可以按照约定的分期支付日期和金额支付。

若投保人未按约定支付保险费,从应付之日起至实际支付之日止的期间内发生保险责任范围内的损失的,保险人按损失发生时已交保险费与本保险合同约定的总保险费的比例承担赔偿责任。

投保人在付清本保险合同项下全部保险费之前,如保险标的发生损失,保险人应支付的赔偿金额超过投保人未支付的保险费时,保险人有权在赔偿金额中扣除投保人尚未支付的保险费。

本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。

利益可分性条款/Severability of Interest Clause

Severability of Interest Clause

The Policy shall protect each Insured in the same manner and to the same extent as though a separate Policy had been issued to each, but nothing herein shall operate to increase the Insurer’s liability at set forth elsewhere in this Policy beyond the amount or amounts for which the Insurer would be liable if there had been only one Insured. Any breach of a condition of this Policy by any Insured shall not affect the protection given by this Policy to any other Insured.

放弃代位追偿扩展条款/Waiver of Subrogation Clause

放弃代位追偿扩展条款

经双方同意,保险人同意放弃对下列各方可能拥有的代位请求赔偿的权利:

(一) 被保险人的关联或联营公司;

(二) 被保险人的子公司或控股公司;

(三) 被保险人的董事、合伙人;

(四) 被保险人的雇员。

但上述各方的故意行为造成保险事故的,保险人保留代位请求赔偿的权利。

本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。

Waiver of Subrogation Clause

It is hereby agreed and understood that notwithstanding anything contained herein to the contrary, it is understood and agreed that any claimant under this Policy shall at the request and at the expenses of the Company do and concur in doing and permit to be done all such acts or things as may be necessary or reasonably required by the Company for the purpose of enforcing any rights and remedies or of obtaining relief or indemnity from other parties to which the Company shall be or would become entitled or subrogated, upon its paying for or making good any loss or damage under this policy, whether such acts or things shall be or become necessary or required before or after indemnification by the Company. The Company hereby agrees to waive its rights of subrogation against any corporation or company associated or affiliated with the Insured or any of the Insured’s subsidiary or holding companies, or any parties, officer or individual connected therewith.

This Clause is Subject otherwise to the terms, conditions and exclusions of this Policy.

财产险2000年问题除外责任条款/Year 2000 Problem Exclusion Clause

财产险2000年问题除外责任条款

本条款“2000年问题”系指,因涉及2000年日期变更,或此前、期间、其后任何其他日期变更,包括闰年的计算,直接或间接引起计算机硬件设备、程序、软件、芯片、媒介物、集成电路及其他电子设备中的类似装置的故障,进而直接或间接引起和导致保险财产的损失或损坏问题。

本公司对由于下列原因,无论计算机设备是否属于被保险人所有,直接或间接导致、构成或引起保险财产损失或损坏由此产生的直接损失或间接损失不负赔偿责任:

1)不能正确识别日期;

2)由于不能正确识别日期,以读取、存储、保留、检索、操作、判别、处理任何数据或信息,或执行命令和指令;

3)在任何日期或该日期之后,由于编程输入任何计算机软件的操作命令引起的数据丢失,或不能读取、储存、保留、检索、正确处理该类数据;

4)因涉及2000年日期变更,或任何其他日期变更,包括闰年的计算而不能正确进行计算、比较、识别、排序和数据处理;

5)因涉及2000年日期变更,或任何其他日期变更,包括闰年的计算,对包括计算机、硬件设备、程序、芯片、媒介物、集成电路及其他电子设备中的类似装置进行预防性的、治理性的、或其他性质的更换、改变、修改。

本保单所载其他条件不变。

Year 2000 Problem Exclusion Clause

“Year 2000 Problem” in this clause means direct or indirect loss or damage to property arising from mal function of any computer hardware, system, software, chip, media, integrated circuit and other similar electronic devices caused directly or indirectly by the date change to the Year 2000 or any other date change including leap year calculations occurring before, during or after Year 2000.

The Company will not be liable for direct or indirect loss or damage to property caused by reasons below, whether such computer system belongs to the Insured or not:

i) unable to recognize date correctly;

ii) fail to retrieve, capture save, retain, search, manipulate, interpret or process any data or information or command or instruction as a result of unable to recognize date correctly;

iii) loss of data, fail to retrieve, capture save, retain, search or process data correctly as a result of the operation of

any command which has been programmed into computer software in any date or after that date;

iv) unable to calculate, compare, differentiate, sequence or process data correctly as a result of changing the date to Year 2000 or any other date including leap year calculations occurring before, during or after Year 2000;

v) any implemented or change or modification of any computer, hardware, system, chip, media, integrated circuit and other electrical device for preventative, remedial or otherwise relating to changing the date to Year 2000 or any other date including leap year calculations occurring before, during or after Year 2000.

Subject otherwise to terms and conditions of this policy.

This is a brief English translation, in case of any ambiguity, the Chinese version shall prevail.

索赔单据条款

索赔单据条款

经双方同意,被保险人应提供其所能提供的与确认事故的性质、原因、损失程度等有关的证明和材料。在事故的原因和损失已被证实的情况下,保险人不得仅以缺少单据或单据不合格为由拒绝或拖延承担其在本保险合同项下应承担的赔偿责任。

本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。

财产险附加条款

72小时条款/72 Hours Clause

72小时条款

经双方同意,本保险合同项下保险标的在连续72小时内遭受暴风雨、台风、洪水或地震所致损失应视为一单独事件,在计算赔偿时视为一次保险事故。被保险人可自行决定72小时的起始时间,但若在连续数个72小时时间内发生损失,任何两个或两个以上72小时期限不得重叠。

本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。

72 Hours Clause

It is agreed and understood that any loss of or damage to the property insured arising during any one period of seventy-two (72) consecutive hours, caused by storm, tempest, typhoon, flood,inundation or earthquake shall be deemed as a single event and constitute one occurrence in the settlement of any claim. The commencement of any such seventy-two (72) hour period shall be decided at the discretion of the Insured. However, there shall be no overlapping in any two or more such seventy-two (72) hour periods in the event of damage occurring over several continuous seventy-two (72) hour periods.

All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause.

50/50条款(50/50 Clause)

50/50条款

经双方同意,对于从外部运抵本保险合同中载明地址的保险标的,被保险人应立即检验其可能发生的损失,若存在以下任何情况,保险人不承担赔偿责任:

(一)裸装货物损失明显;

(二)货物外包装有明显货损迹象;

(三)货物外包装无货损迹象且运抵至开箱期间未发生任何事故,直至货物开箱时才发现损失。

但有明显证据证明损失确系发生在运输终止后的,保险人按照本保险合同的约定承担赔偿责任。

无明显证据确定损失的发生时间的,保险人按照本保险合同的约定承担50%的赔偿责任。

本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。

50/50 Clause

It is agreed and understood that the Insured shall immediately inspect the property insured for possible damage upon their arrival at the Premises. The insurer shall not be liable for loss or damage in the following cases:

1.Goods, if unpacked, is evidently damaged, or

2.The packing of goods manifests apparent sign of damage, or

3.Damage to the goods is not discovered until being unpacked whereas the packing manifests no sign of loss or damage and no accident happens during the period from arrival to unpacking.

In case there is clear evidence that the loss and/or damage could only have occurred after expiry of transportation, the Insurer shall be liable for the loss and/or damage subject to this Policy.

In the case of no clear evidence as to the time of the loss or damage, the Insurer shall be liable for 50% of adjusted loss.

All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause.

地面突然下陷下沉扩展条款/ Accidental Subsidence of Ground Extension Clause

地面突然下陷下沉扩展条款

经双方同意,由于地壳自然变异、地层收缩引起地面突然下陷下沉而造成保险标的的损失,保险人按照本保险合同的约定负责赔偿。但下列损失,保险人不负责赔偿:

(一) 由于设计错误、不符合施工要求、工艺不善或材料缺陷造成的损失;

(二) 由于地震、水箱或水管漏水、渗水引起地面下陷下沉造成的损失;

(三) 海水、河水侵蚀造成的损失;

(四) 回填土的沉降或移动、建筑物的正常沉降造成的损失;

(五) 因保险标的座落地址附近拆除、挖掘及其他施工引起的地面下陷下沉造成的损失。

本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。

Accidental Subsidence of Ground Extension Clause

It is agreed and understood that this Policy shall be extended to cover loss of or damage to the property insured hereby caused by accidental subsidence of ground by reason of spontaneous variation of Earth’s crust and/or constriction of stratum. However, the Insurer shall not be liable for:

1. any loss or damage caused by or consisting of defective design or workmanship or the use of defective materials;

2. any loss or damage arising from subsidence of ground because of earthquake or the escape of water from any tank apparatus or pipe;

3. any loss or damage caused by coastal or river erosion;

4. any loss or damage caused by or consisting of the settlement or movement of made-up ground or the normal settlement or bedding down of structures;

5. any loss or damage arising from subsidence of ground due to any demolition, groundworks, excavation or construction being carried out on any adjoining site.

All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause.

定值保险条款/ Agreed Value Insurance Clause

定值保险条款

经双方同意,本保险合同项下特约保险标的中双方约定适用于定值保险的保险标的的保险价值为投保

时约定并于本保险合同中载明的价值。

约定保险价值为定值的保险标的发生保险责任范围内的损失时,保险人按照保险标的的损失程度计算赔偿。

本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。

Agreed Value Insurance Clause

It is agreed and understood that the insurable value of the property insured that are specifically agreed to be applicable to agreed value insurance shall be the value stated in this Policy.

In the event of loss of or damage to the property insured with agreed value, the Insurer shall settle the claim on the base of the extent of the loss or damage.

All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause.

空运费扩展条款/ Air Freight Fee Extension Clause

空运费扩展条款

经双方同意,发生保险责任范围内的损失,为及时修复或恢复保险标的而发生的空运费,保险人按照本保险合同的约定负责赔偿。

本附加条款项下保险人的赔偿责任不超过本保险合同中载明的相应赔偿限额。

本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。

Air Freight Fee Extension Clause

It is agreed and understood that this Policy shall be extended to cover air freight fee to repair or reinstate the property insured in time.

The Insurer’s liability under this Clause shall not exceed the related sublimit specified in the Policy.

All the terms and conditions of this Policy remain unchanged except as specifically varied or provided by this Clause.

其他物品扩展条款/ All Other Contents Extension Clause

其他物品扩展条款

经双方同意,由于保险事故造成其他物品的损失,保险人按照本保险合同的约定负责赔偿。

本附加条款所称“其他物品”是指下列被保险人所有的或管控的:

(一) 单证、手稿、计算机系统资料及商务帐册,但仅限于其载体材料的价值以及为恢复原有数据及资料而发生的费用,保险人在该项下的赔偿责任以本保险合同中载明的相应赔偿限额为限;

(二) 被保险人未另投保的模板、模具、模型、设计图纸的重新制作费用,但不包括设计费用;

(三) 被保险人雇员的衣物及其他个人物品,保险人对每一雇员的赔偿责任以本保险合同中载明的相应赔偿限额为限。

本附加条款项下保险人的赔偿责任不超过__________。

本附加条款与主条款内容相悖之处,以本附加条款为准;未尽之处,以主条款为准。