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1、,廈門譯國譯民合同英語翻譯（5）,福州譯國譯民翻譯公司 www.ygym.org,Under no circumstances shall the following articles relevant thereto be covered hereunder： 1. Guns, ammunition or explosives； 2. Banknotes, securities, bills, documents, files, account books or drawings； 3. Animals, plants and agricultural crops； 4. Mobile ph

2、ones, portable computers, removable photograph apparatus or other precious articles； 5. Vehicles licensed for general transport use.,福州譯國譯民翻譯公司 www.ygym.org,II. SCOPE OF COVER The Company shall indemnify the Insured in respect of the physical loss of or damage to the insured property stated in the S

3、chedule during the period of insurance directly arising from the following perils： 1. Fire； 2. Explosion； but not including explosion of a boiler or other pressure relief devices； 3. Lightning； 4. Hurricane, typhoon and tornado； 5. Storm, tempest and flood；,福州譯國譯民翻譯公司 www.ygym.org,but not including

4、loss or damage caused by change in normal water level or inundation from sea water or water escape or leakage from the normal confines of any natural water course, lake or reservoir, canal or dam as well as loss of or damage to the insured property caused by storm, tempest or flood while being store

5、d in the open or covered by or under a shed thatched with reeds, tarpaulins, straw, asphalt felt, plastic or nylon sheet； 6. Hailstorm； 7. Landslide, rockslide, avalanche； 8. Volcanic explosion； 9. Subsidence of ground；,福州譯國譯民翻譯公司 www.ygym.org,but not including loss or damage resulting from pile dri

6、ving, groundwork or excavation； 10. Crashing aircraft and parts or articles falling from aircraft and other 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

7、the insured property or expenses caused by intentional act or gross negligence of the Insured or his representative；,福州譯國譯民翻譯公司 www.ygym.org,2. Loss of or damage to the insured property caused and expenses incurred by earthquake or tsunami； 3. Depreciation, loss of market, loss of use and other cons

8、equential losses of any description； 4. Loss of or damage to the insured property or expenses incurred arising from war, warlike operation, hostilities, armed conflicts, terrorism, conspiracy insurrection, coup detat, strike, riot, and civil commotion； 5. Confiscation, requisition, destruction or da

9、mage by any action or order of any government de jure or de facto or by any public authorities；,福州譯國譯民翻譯公司 www.ygym.org,6. Loss of or damage to insured property directly or indirectly caused or expenses incurred by nuclear fission, nuclear fusion,nuclearweapon, nuclear material, nuclear radiation an

10、d radioactive contamination； 7. Loss or damage caused and expenses incurred by pollution of any kind or description whatsoever such asatmosphere, land and water pollutions but this does not include loss or damage caused by pollution arising from PERILS specified in Article II the Policy； 8. The dedu

11、ctibles stated in the Schedule to be borne by the Insured；,福州譯國譯民翻譯公司 www.ygym.org,9. Loss or damage arising from any other perils not listed in Article II of this Policy. IV. TREATMENT OF CLAIM 1. The Company shall at its option, indemnify the Insured in respect of loss or damage falling within the

12、 ScopeofCover of the Policy by either： 1.1 paying the amount of the actual value of the property lost or damaged or； 1.2 paying the necessary cost of repairing or restoring the damaged property to its nearest condition immediately preceding the damage or； 1.3 repairing or restoring the damaged prope

13、rty to a condition near to other property of like kind and quality.,福州譯國譯民翻譯公司 www.ygym.org,2. Indemnity under this Policy shall be based upon the sound market value of the property prevailing at the time of loss. If the sound market value of the damaged property is lower than the sum insured of suc

14、h property, the claim shall be settled on its market value；If the sound market value of the property is in excess of the sum insured, the Company shall only be liable for such proportion of the claim as the sum insured of the damaged property bears to its sound market value. If the insured property

15、enumerated in the Schedule is more than one item, the provision of this clause shall apply to each thereof.,福州譯國譯民翻譯公司 www.ygym.org,3. If a claim for loss of or damage to the insured item is settled on a total loss basis, the salvage value of such item shall be deducted from the indemnity payable by

16、 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 insured forming part of a pair or set, the Company shall not be liable inrespect of each of such item lost or damaged for more than

17、 its proportionate part of the sum insured on the complete pair or set.,福州譯國譯民翻譯公司 www.ygym.org,5. In the event of any loss occurrence, the Company shall also pay the Insured for the expenses reasonably incurred for taking necessary measures to minimize loss or damage to the least extent, but in no

18、case shall such expenses referred hereto exceed the sum insured of the insured property. 6. Upon settlement of a claim, an endorsement shall be issued by the Company to reduce the sum insured corresponding to the property lost or damaged by the amount so settled from the date of loss, and no premium

19、 shall be refunded for the amount so reduced. If reinstatement of the sum insured is required by the Insured upon settlement of the claim, an additional premium for the reinstated amount shall be charged at an agreed rate, and be calculated on pro rata daily basis from the date of loss to the expiry

20、 of the insurance.,福州譯國譯民翻譯公司 www.ygym.org,7. The time of validity of a claim under this insurance shall not exceed a period of two year counting from the date of loss. V. INSUREDS OBLIGATIONS The following Obligations shall be strictly fulfilled by the Insured and his representative： 1. The Insured

21、 and his representative, when applying for insurance shall make true answers or descriptions to the questions in the Proposal and Questionnaire or to any other questions raised by the Company.,福州譯國譯民翻譯公司 www.ygym.org,2. The Insured and his representative shall pay to the Company in due course the ag

22、reed premium in the manner as provided in the Schedule and Endorsements. 3. During the period of this insurance, the Insured shall at his own expense take all reasonable precautions, including paying sufficient attention to and putting into practice the reasonable recommendations of the Company, pru

23、dently selecting the workmen and employees and complying with all statutory regulations and safety operation procedures. 4. In the event of any occurrence which gives or might give rise to a claim under this Policy, the Insured or his representative shall：,福州譯國譯民翻譯公司 www.ygym.org,4.1 notify the Comp

24、any immediately and within seven （7）days or any further period as may be agreed by theCompany in writing, furnish a written report to indicate the course, probable reason and extent ofloss or damage； 4.2 take all necessary measures to avoid aggravation of the loss or damage and minimize it to the le

25、ast extent； 4.3 preserve the spot affected and defective parts before an inspection is carried out by a representative or surveyor from the Company； 4.4 furnish all such information and documentary evidence as the Company may require for supporting the claim.,福州譯國譯民翻譯公司 www.ygym.org,VI. GENERAL COND

26、ITIONS 1. Policy Effect The due observance and fulfilment of the terms and conditions of this Policy in so far as they relate to anything to be done or complied with by the Insured shall be a condition precedent to any liability of the Company under this Policy. 2. Policy Voidance This Policy shall

27、be voidable in the event of misrepresentation, misdescription or non-disclosure made by the Insured or his representative in any material particular in respect of this insurance.,福州譯國譯民翻譯公司 www.ygym.org,3. Policy Termination Unless its continuance be admitted by the Company in writing, this Policy s

28、hall 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 the Insured calculated on pro rata daily basis for the period from the date of termination to the date of expiry.,福州譯國譯民翻譯公司 www.ygym.org,