财产保险条约格式（涉外）
一、保险财产
保险财产指在本保险单明细表中列明的财产及费用。
经被保险人分外请求，并经本公司书面赞同，下列物品及费用经专业人员或公估部分鉴
定并确定代价后，亦可作为保险财产：
（一）金银、珠宝、钻石、玉器；
（二）古董、古币、古书、古画；
（三）艺术作品、邮票；
（四）修建物上的广告、天线、霓虹灯、太阳能装配等；
（五）计算机材料及其制造、复制费用。
下列物品同等不得作为保险财产：
（一）IT、爆炸物品；
（二）现钞、有价证券、票据、文件、档案、帐册、图纸；
（三）动物、动物、农作物；
（四）便携式通信装配、电脑设置装备摆设、摄影摄像东西及其他贵重物品；
（五）用于大众交通的车辆。
二、责任范围
在本保险刻日内，若本保险单明细表中列明的保险财产因以下列明的危害形成的直接物
质破坏或灭失落（以下简称“丧失落”），本公司赞同依照本保险单的划定担当补偿。
（一）火警；
（二）爆炸，但不包括汽锅爆炸；
（三）雷电；
（四）飓风、台风、龙卷风；
（五）风暴、暴雨、大水
但不包括正常水位转变、海水倒灌及水库、运河、堤坝在正常水位线以下的排水和渗漏
，亦不包括因为风暴、暴雨或大水形成寄存在露天或利用芦席、蓬布、茅草、油毛毡、塑料
膜或尼龙等作罩棚或笼盖的保险财产的丧失落；
（六）冰雹；
（七）地崩、山崩、雪崩；
（八）火山迸发；
（九）空中下陷下沉，但不包括因为打桩、地下功课及挖掘功课惹起的空中下陷下沉；
（十）飞机坠毁、飞机部件或飞翔物体坠落；
（十一）水箱、水管爆裂，但不包括因为锈蚀惹起水箱、水管爆裂。
三、除外责任
本公司对下列各项不担当补偿：
（一）被保险人及其代表的存心活动或重年夜过失落惹起的任何丧失落和费用；
（二）地动、海啸惹起的丧失落和费用；
（三）升值、丧失落市场或利用代价等其他结果丧失落；
（四）战役、类似战役活动、敌对活动、武装抵触、可怕活动、谋反、政变、歇工、暴
动、夷易近众骚乱惹起的丧失落和费用；
（五）政府饬令或任何大众政府的没收、征用、烧毁或破坏；
（六）核裂变、核聚变、核兵器、核材料、核幅射以及放射性污染惹起的任何丧失落和费
用；
（七）年夜气、土地、水污染及其他各种污染惹起的任何丧失落和费用，但不包括因为本保
险单第二条责任范围列明的危害形成的污染惹起的丧失落；
（八）本保险单明细表或有关条目中划定的应由被保险人自行承当的免赔额；
（九）其他不属于本保险单第二条责任范围列明的危害惹起的丧失落。
四、补偿处理
（一）如果发作本保险责任范围内的丧失落，本公司选择下列体例补偿：
１．按受损财产的代价补偿；
２．赔付受损财产根基恢规复状的修理、修复费用；
３．修理、规复受损财产，使之到达与同类财产根基同等的状况。
（二）受损财产的补偿按丧失落那时的时值计算。时值低于保险金额时，补偿定时值计算
；时值高于保险金额时，补偿按保险金额与时值的比例计算。如本保险所载项目不止一项时
，赔款按本划定逐项计算。
（三）保险项目发作丧失落后，如本公司按全部丧失落赔付，其残值应在赔款中扣除，本公
司有权不接受被保险人对受损财产的委付。
（四）任何属于成对或成套的项目，若发作丧失落，本公司的补偿责任不跨越该受损项目
在所属整对或整套项目标保险金额中所占的比例。
（五）发作丧失落后，被保险人为淘汰丧失落而接纳需要步伐所发作的合理费用，本公司可
予以补偿，但本项费用以保险财产的保险金额为限。
（六）本公司补偿丧失落后，由本公司出具批单将保险金额从丧失出家作之日起响应淘汰，
并且不退还保险金额淘汰部分的保险费。如被保险人要求规复至原保险金额，应按商定的保
险费率加缴规复部分从丧失出家作之日起至保险刻日停止之日止按日比例计算的保险费。
（七）被保险人的索赔刻日，从丧失出家作之日起，不得跨越两年。
五、被保险人的义务
被保险人及其代表应严酷实施下列义务：
（一）投保时，被保险人及其代表应对投保请求书中列明的事变以及本公司提出的其他
事变作真实、细致的申明或描绘；
（二）被保险人及其代表应根据本保险单明细表和批单中的划定活期缴付保险费；
（三）在保险刻日内，被保险人应接纳统统合理的防备步伐，包括担当思量并付诸实施
本公司代表提出的合理的防损发起，由此发作的统统费用，均由被保险人承当；
（四）在发作惹起或年夜概惹起本保险单项下索赔的丧失落时，被保险人及其代表应：
１．立刻关照本公司，并在七天或经本公司书面赞同耽误的刻日内以书面供给事变发作
的经由，缘故原因和丧失落程度；２．接纳统统需要步伐防止丧失落的进一步扩展并将丧失落淘汰到最低程度；
３．在本公司的代表或检验师举行勘查之前，留存事变现场及有关什物证据；
４．根据本公司的要求供给作为索赔根据的全部证明文件、材料和票据。
六、总则
（一）保单效能
被保险人严酷地服从和实施本保险单的各项划定，是本公司在本保险单项下承当补偿责
任的先决前提。
（二）保单有效
如果被保险人或其代表漏报、错报、虚报或点缀有关本保险的本性性内容，则本保险单
有效。
（三）保单停止
除非经本公司书面赞同，本保险单将鄙人列情况下主动停止：
１．被保险人丧失落保险长处；
２．承保危害扩展。
本保险单停止后，本公司将按日比例退还被保险人本保险单项下未到期部分的保险费。
（四）保单注销
被保险人可随时书面请求注销本保险单，本公司亦可提早十五天关照被保险人注销本保
险单。对本保险单已生效期间的保险费，前者本公司按短期费率计收，后者按日比例计收。
（五）权益丧失落
如果任何索赔含有虚伪身分，或被保险人或其代表在索赔时接纳敲诈手腕企图在本保险
单项下获取长处，或任何丧失落是由被保险人或其代表的存心活动或纵容所致，被保险人将丧
失落其在本保险单项下的全部权益。对由此发作的包括本公司已支付的补偿在内的统统丧失落，
应由被保险人担当补偿。
（六）合理检验
本公司的代表有权在任何得当的时候对保险财产的危害情况举行现场检验。被保险人应
供给统统便利及本公司要求的用以评价有关危害的概况和材料。但上述检验并不组成本公司
对被保险人的任何答应。
（七）频频保险
本保险单担当补偿丧失落、费用或责任时，若另有其他保证相通的保险存在，不论能否由
被保险人或他人以其名义投保，也不论该保险补偿与否，本公司仅担当按比例分摊补偿的责
任。
（八）权益让渡
若本保险单项下担当的丧失落触及其他责任方时，不论本公司能否已补偿被保险人，被保
险人应立刻接纳统统需要的步伐使用或留存向该责任方索赔的权益。在本公司支付补偿后，
被保险人应将向该责任方追偿的权益让渡给本公司，移交统统需要的单证，并帮助本公司向
责任方追偿。
（九）争议处理
被保险人与本公司之间的统统有关本保险的争议应经由历程敌对协商处理。如果协商不可，
可请求仲裁或向法院提出诉讼。除事前另有协议外，仲裁或诉讼应在原告方地点地举行。
七、分外条目
下列分外条目合用于本保险单的各个部分，若其与本保险单的其他划定相抵触，则以下
列分外条目为准。
财产保险单
保险单号码：
鉴于本保险单明细表中列明的被保险人向＿＿＿＿＿＿保险公司（以下简称“本公司”
）提交书面投保请求和有关材料（该投保请求及材料被视作本保险单的有效组成部分），并
向本公司缴付了本保险单明细表中列明的保险费，本公司赞同按本保险单的划定担当补偿在
本保险单明细表中列明的保险刻日内被保险人的保险财产蒙受的破坏或灭失落，挺拔本保险单
为凭。
＿＿＿＿＿＿保险公司
＿＿＿＿＿＿
授权签字
签发日期：＿＿年＿＿月＿＿日
签发地点：
明细表
保险单号码：
一、被保险人称呼和地点：
二、保险财产地点：
三、营业性质：
四、保险项目及保险金额
项目保险金额
（一）保险财产
１．修建物（包括装修）：
２．机器设置装备摆设：
３．装配、家俱及办公办法步伐或用品：
４．仓储物品：
５．其他：
（二）附加费用
１．清除残骸费用：
２．灭火费用：
３．专业费用：
４．其他费用：
总保险金额：
五、每次事变免赔额：
六、保险刻日：共＿＿＿个月。
自＿＿＿年＿＿月＿＿日零时起，至＿＿＿年＿＿月＿＿日二十四季止。
七、保险费率：
总保险费：
八、付费日期：
九、法律统领
本保险单受中华人夷易近共和国的法律统领
十、分外条目
财产险保单明细表
＿＿＿＿＿＿保险公司
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 the
Company and appraised and value-established by professionals or assessors,
the following articles and the expenses relevant thereto shall not be
covered under this Policy:
1. gold, silver, pearls, diamonds, precious stones and jades;
2. antiques, articles of virtue, ancient coins, ancient books and
ancient paintings;
3. works of art or postage stamps;
4. advertisements, aerials, neon, pieces of solar energy apparatus
etc. on buildings;
5. computer system records or its IT and copying costs.
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 phones, portable computers, removable photograph apparatus
or other precious articles;
5. vehicles licensed for general transport use.
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 Schedule 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;
but not including 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 stored 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;
but not including loss or damage resulting from pile driving,
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 the insured property or expenses caused by
intentional act or gross negligence of the Insured or his representative;
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 consequential
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 d'etat, strike, riot, and civil
commotion;
5. confiscation, requisition, destruction or damage by any action or
order of any government de jure or de facto or by any public authorities;
6. loss of or damage to insured property directly or indirectly caused
or 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 any
kind or description whatsoever such as atmosphere, 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 deductibles stated in the Schedule to be borne by the Insured;
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 Scope of Cover 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 property to a condition near to
other property of like kind and quality.
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 such
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 enumerated in the Schedule is more than one item, the provision
of this clause shall apply to each thereof.
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 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 in respect
of each of such item lost or damaged for more than its proportionate part
of the sum insured on the complete pair or set.
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 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
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 of the insurance.
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. INSURED'S OBLIGATIONS
The following Obligations shall be strictly fulfilled by the Insured
and his representative:
1. The Insured 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.
2. The Insured and his representative shall pay to the Company in due
insurance stated in the Schedule in the manner and to the extent
hereinafter provided.
By the ________ Insurance Company
_________________________ Authorised Signature
Date 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

关键字：财产保险 条约格式 财产保险条约 格式 保险条约格式