一、保險財產(chǎn)    保險財產(chǎn)指在本保險單明細表中列明的財產(chǎn)及費用。    經(jīng)被保險人特別申請，并經(jīng)本公司書面同意，下列物品及費用經(jīng)專業(yè)人員或公估部門鑒定并確定價值后，亦可作為保險財產(chǎn)：    （一）金銀、珠寶、鉆石、玉器；    （二）古玩、古幣、古書、古畫；    （三）藝術(shù)作品、郵票；    （四）建筑物上的廣告、天線、霓虹燈、太陽能裝置等；    （五）計算機資料及其制作、復制費用。    下列物品一律不得作為保險財產(chǎn)：    （一）槍支彈藥、爆炸物品；    （二）現(xiàn)鈔、有價證券、票據(jù)、文件、檔案、帳冊、圖紙；    （三）動物、植物、農(nóng)作物；    （四）便攜式通訊裝置、電腦設(shè)備、照相攝像器材及其他貴重物品；    （五）用于公共交通的車輛。 二、責任范圍    在本保險期限內(nèi)，若本保險單明細表中列明的保險財產(chǎn)因以下列明的風險造成的直接物質(zhì)損壞或滅失（以下簡稱“損失”），本公司同意按照本保險單的規(guī)定負責賠償。    （一）火災；    （二）爆炸，但不包括鍋爐爆炸；    （三）雷電；    （四）颶風、臺風、龍卷風；    （五）風暴、暴雨、洪水    但不包括正常水位變化、海水倒灌及水庫、運河、堤壩在正常水位線以下的排水和滲漏，亦不包括由于風暴、暴雨或洪水造成存放在露天或使用蘆席、蓬布、茅草、油毛氈、塑料膜或尼龍等作罩棚或覆蓋的保險財產(chǎn)的損失；    （六）冰雹；    （七）地崩、山崩、雪崩；    （八）火山爆發(fā)；    （九）地面下陷下沉，但不包括由于打樁、地下作業(yè)及挖掘作業(yè)引起的地面下陷下沉；    （十）飛機墜毀、飛機部件或飛行物體墜落；    （十一）水箱、水管爆裂，但不包括由于銹蝕引起水箱、水管爆裂。三、除外責任    本公司對下列各項不負責賠償：    （一）被保險人及其代表的故意行為或重大過失引起的任何損失和費用；    （二）地震、海嘯引起的損失和費用；    （三）貶值、喪失市場或使用價值等其他后果損失；    （四）戰(zhàn)爭、類似戰(zhàn)爭行為、敵對行為、武裝沖突、恐怖活動、謀反、政變、罷工、暴動、民眾騷亂引起的損失和費用；    （五）政府命令或任何公共當局的沒收、征用、銷毀或毀壞；    （六）核裂變、核聚變、核武器、核材料、核幅射以及放射性污染引起的任何損失和費用；    （七）大氣、土地、水污染及其他各種污染引起的任何損失和費用，但不包括由于本保險單第二條責任范圍列明的風險造成的污染引起的損失；    （八）本保險單明細表或有關(guān)條款中規(guī)定的應由被保險人自行負擔的免賠額；    （九）其他不屬于本保險單第二條責任范圍列明的風險引起的損失。四、賠償處理    （一）如果發(fā)生本保險責任范圍內(nèi)的損失，本公司選擇下列方式賠償：    １．按受損財產(chǎn)的價值賠償；    ２．賠付受損財產(chǎn)基本恢復原狀的修理、修復費用；    ３．修理、恢復受損財產(chǎn)，使之達到與同類財產(chǎn)基本一致的狀況。    （二）受損財產(chǎn)的賠償按損失當時的市價計算。市價低于保險金額時，賠償按市價計算；市價高于保險金額時，賠償按保險金額與市價的比例計算。如本保險所載項目不止一項時，賠款按本規(guī)定逐項計算。    （三）保險項目發(fā)生損失后，如本公司按全部損失賠付，其殘值應在賠款中扣除，本公司有權(quán)不接受被保險人對受損財產(chǎn)的委付。    （四）任何屬于成對或成套的項目，若發(fā)生損失，本公司的賠償責任不超過該受損項目在所屬整對或整套項目的保險金額中所占的比例。    （五）發(fā)生損失后，被保險人為減少損失而采取必要措施所產(chǎn)生的合理費用，本公司可予以賠償，但本項費用以保險財產(chǎn)的保險金額為限。    （六）本公司賠償損失后，由本公司出具批單將保險金額從損失發(fā)生之日起相應減少，并且不退還保險金額減少部分的保險費。如被保險人要求恢復至原保險金額，應按約定的保險費率加繳恢復部分從損失發(fā)生之日起至保險期限終止之日止按日比例計算的保險費。    （七）被保險人的索賠期限，從損失發(fā)生之日起，不得超過兩年。五、被保險人的義務    被保險人及其代表應嚴格履行下列義務：    （一）投保時，被保險人及其代表應對投保申請書中列明的事項以及本公司提出的其他事項作真實、詳盡的說明或描述；    （二）被保險人及其代表應根據(jù)本保險單明細表和批單中的規(guī)定按期繳付保險費；    （三）在保險期限內(nèi)，被保險人應采取一切合理的預防措施，包括認真考慮并付諸實施本公司代表提出的合理的防損建議，由此產(chǎn)生的一切費用，均由被保險人承擔；    （四）在發(fā)生引起或可能引起本保險單項下索賠的損失時，被保險人及其代表應：    １．立即通知本公司，并在七天或經(jīng)本公司書面同意延長的期限內(nèi)以書面提供事故發(fā)生的經(jīng)過，原因和損失程度；    ２．采取一切必要措施防止損失的進一步擴大并將損失減少到最低程度；    ３．在本公司的代表或檢驗師進行勘查之前，保留事故現(xiàn)場及有關(guān)實物證據(jù)；    ４．根據(jù)本公司的要求提供作為索賠依據(jù)的所有證明文件、資料和單據(jù)。六、總則    （一）保單效力    被保險人嚴格地遵守和履行本保險單的各項規(guī)定，是本公司在本保險單項下承擔賠償責任的先決條件。    （二）保單無效    如果被保險人或其代表漏報、錯報、虛報或隱瞞有關(guān)本保險的實質(zhì)性內(nèi)容，則本保險單無效。    （三）保單終止    除非經(jīng)本公司書面同意，本保險單將在下列情況下自動終止：    １．被保險人喪失保險利益；    ２．承保風險擴大。    本保險單終止后，本公司將按日比例退還被保險人本保險單項下未到期部分的保險費。    （四）保單注銷    被保險人可隨時書面申請注銷本保險單，本公司亦可提前十五天通知被保險人注銷本保險單。對本保險單已生效期間的保險費，前者本公司按短期費率計收，后者按日比例計收。    （五）權(quán)益喪失    如果任何索賠含有虛假成分，或被保險人或其代表在索賠時采取欺詐手段企圖在本保險單項下獲取利益，或任何損失是由被保險人或其代表的故意行為或縱容所致，被保險人將喪失其在本保險單項下的所有權(quán)益。對由此產(chǎn)生的包括本公司已支付的賠償在內(nèi)的一切損失，應由被保險人負責賠償。   （六）合理查驗    本公司的代表有權(quán)在任何適當?shù)臅r候?qū)ΡｋU財產(chǎn)的風險情況進行現(xiàn)場查驗。被保險人應提供一切便利及本公司要求的用以評估有關(guān)風險的詳情和資料。但上述查驗并不構(gòu)成本公司對被保險人的任何承諾。    （七）重復保險    本保險單負責賠償損失、費用或責任時，若另有其他保障相同的保險存在，不論是否由被保險人或他人以其名義投保，也不論該保險賠償與否，本公司僅負責按比例分攤賠償?shù)呢熑巍?nbsp;   （八）權(quán)益轉(zhuǎn)讓    若本保險單項下負責的損失涉及其他責任方時，不論本公司是否已賠償被保險人，被保險人應立即采取一切必要的措施行使或保留向該責任方索賠的權(quán)利。在本公司支付賠償后，被保險人應將向該責任方追償?shù)臋?quán)利轉(zhuǎn)讓給本公司，移交一切必要的單證，并協(xié)助本公司向責任方追償。    （九）爭議處理    被保險人與本公司之間的一切有關(guān)本保險的爭議應通過友好協(xié)商解決。如果協(xié)商不成，可申請仲裁或向法院提出訴訟。除事先另有協(xié)議外，仲裁或訴訟應在被告方所在地進行。七、特別條款    下列特別條款適用于本保險單的各個部分，若其與本保險單的其他規(guī)定相沖突，則以下列特別條款為準。  財產(chǎn)保險單    保險單號碼：    鑒于本保險單明細表中列明的被保險人向＿＿＿＿＿＿保險公司（以下簡稱“本公司”）提交書面投保申請和有關(guān)資料（該投保申請及資料被視作本保險單的有效組成部分），并向本公司繳付了本保險單明細表中列明的保險費，本公司同意按本保險單的規(guī)定負責賠償在本保險單明細表 中列明的保險期限內(nèi)被保險人的保險財產(chǎn)遭受的損壞或滅失，特立本保險單為憑。      ＿＿＿＿＿＿保險公司    ＿＿＿＿＿＿    授權(quán)簽字    簽發(fā)日期：＿＿年＿＿月＿＿日    簽發(fā)地點：    明  細  表    保險單號碼：    一、被保險人名稱和地址：    二、保險財產(chǎn)地址：    三、營業(yè)性質(zhì)：    四、保險項目及保險金額      項  目  保險金額      （一）保險財產(chǎn)      １．建筑物（包括裝修）：      ２．機器設(shè)備：      ３．裝置、家俱及辦公設(shè)施或用品：      ４．倉儲物品：      ５．其他：      （二）附加費用      １．清除殘骸費用：      ２．滅火費用：      ３．專業(yè)費用：      ４．其他費用：      總保險金額：    五、每次事故免賠額：    六、保險期限：共＿＿＿個月。      自＿＿＿年＿＿月＿＿日零時起，至＿＿＿年＿＿月＿＿日二十四時止。    七、保險費率：      總保險費：    八、付費日期：    九、司法管轄      本保險單受中華人民共和國的司法管轄    十、特別條款      財產(chǎn)險保單明細表      ＿＿＿＿＿＿保險公司property insurance clauses            whole doc.                i. the property insured     the property insured shall refer to all properties and  expenses  spe-cified in the schedule of this policy.    unless specifically agreed upon in writing between the insured and thecompany and appraised and value-established by professionals or assessors,the following articles and the expenses  relevant  thereto  shall  not  becovered under this policy:    1. gold, silver, pearls, diamonds, precious stones and jades;    2. antiques, articles of virtue,  ancient  coins,  ancient  books  andancient paintings;    3. works of art or postage stamps;    4. advertisements, aerials, neon, pieces of solar energy apparatusetc. on buildings;    5. computer system records or its making and copying costs.    under no circumstances shall the following articles  relevant  theretobe covered hereunder:    1. guns, ammunition or explosives;    2. banknotes, securities, bills, documents, files,  account  books  ordrawings;    3. animals, plants and agricultural crops;    4. mobile phones, portable computers, removable  photograph  apparatusor other precious articles;    5. vehicles licensed for general transport use.            ii. scope of cover     the company shall indemnify the insured in  respect  of  the  physicalloss of or damage to the insured property stated in  the  schedule  duringthe period of insurance directly arising from the following perils:    1. fire;    2. explosion;    but not including explosion of  a  boiler  or  other  pressure  reliefdevices;    3. lightning;    4. hurricane, typhoon and tornado;    5. storm, tempest and flood;    but not including loss or damage caused  by  change  in  normal  waterlevel or inundation from sea water or water escape  or  leakage  from  thenormal confines of any natural water course, lake or reservoir,  canal  ordam as well as loss of or damage to the insured property caused by  storm,tempest or flood while being stored in the open or covered by or  under  ashed thatched with reeds, tarpaulins,  straw,  asphalt  felt,  plastic  ornylon sheet;    6. hailstorm;    7. landslide, rockslide, avalanche;    8. volcanic explosion;    9. subsidence of ground;    but  not  including  loss  or  damage  resulting  from  pile  driving,groundwork or excavation;    10. crashing aircraft and parts or articles falling from aircraft  andother flying objects;    11. bursting of water tank or pipe;    but not including bursting of water tank or pipe due to rust.            iii. exclusions     this company shall not be liable for:    1. loss of or damage to the insured property  or  expenses  caused  byintentional act or gross negligence of the insured or his representative;    2. loss of or damage to  the  insured  property  caused  and  expensesincurred by earthquake or tsunami;    3. depreciation, loss of market, loss of use and  other  consequentiallosses of any description;    4. loss of or damage to the  insured  property  or  expenses  incurredarising  from  war,  warlike  operation,  hostilities,  armed   conflicts,terrorism, conspiracy insurrection, coup d'etat, strike, riot,  and  civilcommotion;    5. confiscation, requisition, destruction or damage by any  action  ororder of any government de jure or de facto or by any public authorities;    6. loss of or damage to insured property directly or indirectly causedor expenses incurred by nuclear fission, nuclear fusion,  nuclear  weapon,nuclear material, nuclear radiation and radioactive contamination;    7. loss or damage caused and expenses incurred  by  pollution  of  anykind  or  description  whatsoever  such  as  atmosphere,  land  and  waterpollutions but this does not include loss or damage  caused  by  pollutionarising from perils specified in article ii the policy;    8. the deductibles stated in the schedule to be borne by the insured;    9. loss or damage arising from any other perils not listed in  articleii of this policy.            iv. treatment of claim     1. the company shall at its option, indemnify the insured  in  respectof loss or damage falling within the scope  of  cover  of  the  policy  byeither:    1.1 paying the amount of the actual value  of  the  property  lost  ordamaged or;    1.2 paying the necessary cost of repairing or  restoring  the  damagedproperty to its nearest condition immediately preceding the damage or;    1.3 repairing or restoring the damaged property to a condition near toother property of like kind and quality.    2. indemnity under this policy shall be based upon  the  sound  marketvalue of the property prevailing at the time of loss. if the sound  marketvalue of the damaged property is  lower  than  the  sum  insured  of  suchproperty, the claim shall be settled on its market  value;  if  the  soundmarket value of the property is in excess of the sum insured, the  companyshall only be liable for such proportion of the claim as the  sum  insuredof the damaged property bears to its sound market value.  if  the  insuredproperty enumerated in the schedule is more than one item,  the  provisionof this clause shall apply to each thereof.    3. if a claim for loss of or damage to the insured item is settled  ona total loss basis, the salvage value of such item shall be deducted  fromthe indemnity payable by the company. the  company  may,  at  its  option,decline the abandonment of any damaged property by the insured.    4. in the event of loss of or damage to  any  equipment  item  insuredforming part of a pair or set, the company shall not be liable in  respectof each of such item lost or damaged for more than its proportionate  partof the sum insured on the complete pair or set.    5. in the event of any loss occurrence, the company shall also pay theinsured for the expenses reasonably incurred for taking necessary measuresto minimize loss or damage to the least extent, but in no case shall  suchexpenses referred hereto exceed the sum insured of the insured property.    6. upon settlement of a claim, an endorsement shall be issued  by  thecompany to reduce the sum insured corresponding to the  property  lost  ordamaged by the amount so settled from the date of  loss,  and  no  premiumshall be refunded for the amount so reduced. if reinstatement of  the  suminsured is required by the  insured  upon  settlement  of  the  claim,  anadditional premium for the reinstated amount shall be charged at an agreedrate, and be calculated on pro rata daily basis from the date of  loss  tothe expiry of the insurance.    7. the time of validity of a claim  under  this  insurance  shall  notexceed a period of two year counting from the date of loss.            v. insured's obligations     the following obligations shall be strictly fulfilled by  the  insuredand his representative:    1. the insured and his representative,  when  applying  for  insuranceshall make true answers or descriptions to the questions in  the  proposaland questionnaire or to any other questions raised by the company.    2. the insured and his representative shall pay to the company in  duecourse the agreed premium in the manner as provided in  the  schedule  andendorsements.    3. during the period of this insurance, the insured shall at  his  ownexpense take  all  reasonable  precautions,  including  paying  sufficientattention to and putting into practice the reasonable  recommendations  ofthe company, prudently selecting the workmen and employees  and  complyingwith all statutory regulations and safety operation procedures.    4. in the event of any occurrence which gives or might give rise to  aclaim under this policy, the insured or his representative shall:    4.1 notify the company immediately and within seven (7)  days  or  anyfurther period as may be agreed by  the  company  in  writing,  furnish  awritten report to indicate the course, probable reason and extent of  lossor damage;    4.2 take all necessary measures to avoid aggravation of  the  loss  ordamage and minimize it to the least extent;     4.3  preserve  the  spot  affected  and  defective  parts  before  aninspection is carried  out  by  a  representative  or  surveyor  from  thecompany;    4.4 furnish all such  information  and  documentary  evidence  as  thecompany may require for supporting the claim.            vi. general conditions     1. policy effect    the due observance and fulfilment of the terms and conditions of  thispolicy in so far as they relate to anything to be done or complied with bythe insured shall be a condition precedent to any liability of the companyunder this policy.    2. policy voidance    this policy shall be  voidable  in  the  event  of  misrepresentation,misdescription or non-disclosure made by the insured or his representativein any material particular in respect of this insurance.    3. policy termination    unless its continuance be admitted by the  company  in  writing,  thispolicy shall be automatically terminated if:    3.1 the insurable interest of the insured is lost;    3.2 the risk of loss or damage is increased.    after termination of the policy, the premium shall be refunded to  theinsured calculated on pro rata daily basis for the period from the date oftermination to the date of expiry.    4. policy cancellation    this policy may be canceled at any time at the request of the  insuredin writing or at the option of the company by giving a fifteen  (15)  daysprior notice to the insured. in the former case the company shall retain apremium calculated on short term rate basis for the time  the  policy  hasbeen in force while in the latter case such premium shall be calculated onpro rata daily basis.    5. forfeit of benefit    if the claim is in any respect fraudulent, or if any fraudulent  meansor devices are used by the insured or his  representative  to  obtain  anybenefit under this policy or if any loss or damage is  occasioned  by  theintentional act or in the connivance of the insured or his representative,then in any of these cases, all the rights and  benefits  of  the  insuredunder this policy shall be forfeited, and all  consequent  losses  arisingtherefrom including the amount of claim  paid  by  the  company  shall  beindemnified by the insured.    6. reasonable inspection    the representative of the  company  shall  at  any  suitable  time  beentitled to attend the site and inspect or examine the risk  explosure  ofthe property insured. for this purpose, the  insured  shall  provide  fullassistance and all details and information required by the company as  maybe  necessary  for  the  assessment  of  the  risk.  the  above  mentionedinspection or examination  shall  in  no  circumstances  be  held  as  anyadmission to the insured by the company.    7. double insurance    should any loss, damage, expenses or liability recoverable  under  thepolicy be also covered by any other insurance, the company shall  only  beliable to pay or contribute his proportion of the claim irrespective as towhether the other insurance is arranged by the insured or  others  on  hisbehalf, or whether any indemnification  is  obtainable  under  such  otherinsurance.     8. subrogation    where a third party shall be held responsible for the loss  or  damagecovered under this policy, the insured shall, whether being indemnified bythe company or not, take all necessary measures to enforce or reserve  theright of recovery against such third party, and upon being indemnified  bythe company, subrogate to the company all the right of recovery,  transferall necessary documents to and assist the  company  in  pursuing  recoveryfrom the responsible party.    9. dispute    all disputes under this insurance arising between the insured and  thecompany shall be settled through  friendly  negotiations.  where  the  twoparties fail to reach an agreement after negotiations, such dispute  shallbe submitted  to  arbitration  or  to  court  for  legal  actions.  unlessotherwise agreed, such arbitration or legal action shall be carried out inthe place where the defendant is domiciled.            vii. special provisions     the following provisions shall be applied to all parts of this  policyand shall override the other terms and conditions of this  policy  if  anyconflict arises.            property insurance policy     policy no.:    whereas the insured named in the  schedule  hereto  has  made  to  the______ insurance company (hereinafter  called  ""the  company"")  a  writtenproposal which together with any other statements made by the insured  forthe purpose of this policy is deemed to be  incorporated  herein  and  haspaid to the company the premium stated in the schedule.    now this policy of insurance witnesses that subject to the  terms  andconditions contained herein or endorsed hereon the company shall indemnifythe insured for  the  loss  or  damage  sustained  during  the  period  ofinsurance stated  in  the  schedule  in  the  manner  and  to  the  extenthereinafter provided.                     by      the      ________      insurance      company_________________________ authorised signaturedate of issue:place of issue:            schedule policy no.:1. name and address of the insured   1.1 the insured:   1.2 address:2. location of the property insured:3. nature of trade:4. insured items and sums insured:    insured items                     sums insured    4.1 property insured    4.1.1 building(s) (including decoration):    4.1.2 machinery and equipment:    4.1.3 furniture and fixture:    (including office equipment and supplies)    4.1.4 stock:    4.1.5 others:    4.2 additional expenses:    4.2.1 removal of debris fees:    4.2.2 fire extinguishing expenses:    4.2.3 professional fees:    4.2.4 other expenses:    total sum insured:5. deductible (any one accident):6. period of insurance: ___ months.    from 00:00 of _________ to 24:00 hours of ______7. premium rate:       total premium:8. date of payment:9. jurisdiction:    this policy is governed by law of the people's republic of china.10. special provisions:    property insurance policy's schedule                         _________ insurance company責任編輯：陳紅