财产险常用附加条款中英对比

财产险常用中英文附加条款汇编

目录

一般附加条款 (6)

30天注销保单通知条款/30 Days Notice of Cancellation Clause (6)

60天不续保通知条款/60 Days Non-Renewal Notice Clause (6)

理赔控制条款/Claims Control Clause (6)

共同被保险人条款/Joint-Insured Clause (7)

司法管辖权条款/Jurisdiction Clause (7)

指定公估人条款/Loss Adjusters Clause (7)

损失通知条款/Loss Notification Clause (8)

不受控制条款/No Control Clause (8)

不可注销保单条款/Non-Cancellation Clause (8)

不使失效条款/Non-invalidation Clause (8)

预付赔款条款A/Payment on Account Clause (9)

预付赔款条款B (9)

分期付费条款A/Premium Installment Clause (9)

分期付费条款B (10)

利益可分性条款/Severability of Interest Clause (10)

放弃代位追偿扩展条款/Waiver of Subrogation Clause (10)

财产险2000年问题除外责任条款/Year 2000 Problem Exclusion Clause (11)

索赔单据条款 (12)

财产险附加条款 (13)

72小时条款/72 Hours Clause (13)

50/50条款(50/50 Clause) (13)

地面突然下陷下沉扩展条款/ Accidental Subsidence of Ground Extension Clause (14)

定值保险条款/ Agreed Value Insurance Clause (14)

空运费扩展条款/ Air Freight Fee Extension Clause (15)

其他物品扩展条款/ All Other Contents Extension Clause (15)

建筑物变动扩展条款/ Alteration of Building Clause (16)

权益转让条款/Assignment Clause (16)

自动承保条款/ Automatic Cover Clause (17)

自动恢复保险金额条款/ Automatic Reinstatement of Sum Insured Clause (18)

分摊豁免条款/ Average Relief Clause (20%) (18)

锅炉、压力容器扩展条款/ Boilers and Pressure Vessels Extension Clause (19)

商标条款/Brand & Trademark Clause (19)

违反条件条款/ Breach of Conditions Clause (20)

玻璃破碎扩展条款/ Breakage of Glass Extension Clause (20)

玻璃破碎扩展条款（财产一切险）/ Breakage of Glass Clause （PAR） (21)

玻璃破碎扩展条款（财产险）/ Breakage of Glass Clause (财产险) (21)

盗窃险条款/ Burglary Insurance Clause (21)

水箱、水管爆裂扩展条款/ Bursting of Water Tank or Water Pipe Extension Clause (22)

增加资产扩展条款A/ Capital Additions Extension Clause (A) (23)

增加资产扩展条款B/ Capital Additions Extension Clause (B) (23)

85％扩展条款/ Co-Insurance Extension Clause (85%) (24)

合同价格扩展条款/ Contract Price Extension Clause (24)

复制费用扩展条款/ Cost of Duplication Extension Clause (25)

清理残骸费用扩展条款/ Debris Removal Expenses Extension Clause (25)

财物种别条款/ Designation of Property Clause (25)

索赔单据条款/ Documents Clause (26)

地震扩展条款/ Earthquake Extension Clause (26)

紧急抢险条款/ Emergency Rescue Clause (27)

错误和遗漏条款/ Error and Omissions Clause (27)

自动升值扩展条款/ Escalation Extension Clause (28)

特别费用扩展条款/ Extra Charges Extension Clause (28)

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 (29)

灭火费用扩展条款A/ Fire Fighting Cost Extension Clause (A) (29)

灭火费用扩展条款B/ Fire Fighting Cost Extension Clause (B) (29)

消防队灭火费用扩展条款/ Fire Fighting Brigade Charges Extension Clause (30)

消防保证条款/ Fire Prevention Facilities Warranty Clause (30)

洪水除外条款/ Flood and Inundation Exclusion Clause (31)

洪水扩展条款/ Flood Extension Clause (31)

防洪保证条款/ Flood Prevention Warranty Clause (32)

地基除外条款/ Foundation Exclusion Clause (32)

冰雹扩展条款/Hailstone Extension Clause (33)

起重、运输机械扩展条款/ Hoisting and Transport Machinery Extension Clause (33)

碰撞扩展条款/ Impact Damage Extension Clause (34)

碰撞除外条款/ Impact damage Exclusion Clause (34)

阻止条款/ Inhibition Clause (34)

内陆运输扩展条款A/ Inland Transit Extension Clause (A) (35)

内陆运输扩展条款B/ Inland Transit Extension Clause (B) (35)

数据损失澄清条款/IT Clarification Clause (36)

地崩及地陷条款/ Landslip & Subsidence Clause (36)

遵守法律规定保证条款/ Legal Requirements Warranty (37)

雷电扩展条款/ Lightning Extension Clause (37)

车辆装载物扩展条款/Loaded Property Extension Clause (38)

铁路机车车辆扩展条款/ Locomotive Extension Clause (38)

赔款接受人条款/ Loss Payee Clause (39)

抵押权条款/ Mortgage Clause (39)

泥石流、崩塌、突发性滑坡扩展条款/ Mud-rock flow, Avalanche and Sudden Landslip Extension Clause (40)

恶意破坏扩展条款/ Malicious Damage Extension Clause (40)

不受控制条款/ No Control Clause (41)

指定公估人条款/ Nomination of Loss Adjusters Clause (41)

不使失效条款/ Non-invalidation Clause (41)

非占用者业主条款/ Non Occupying Landlord Clause (42)

场所外财产条款/ Off Premises Property Clause (42)

油气管道损坏扩展条款/ Oil or Gas Pipeline Damage Extension Clause (43)

建筑物外部附属设施扩展条款A/ Outside Ancillary Devices of Building Extension Clause (A) (43)

建筑物外部附属设施扩展条款B/ Outside Ancillary Devices of Building Extension Clause (B) (44)

委托加工扩展条款/ Out-sourcing Processing Extension Clause (44)

成对或成套设备条款/ Pair & Set Clause (45)

预付赔款条款A/ Payment on Account Clause (A) (45)

预付赔款条款B/ Payment on Account Clause (B) (45)

雇员个人物品扩展条款/ Personal Effects of Employees Extension Clause (46)

便携式设备扩展条款/ Portable Devices on Premises Extension Clause (46)

专业费用扩展条款/ Professional Fee Extension Clause (47)

分期付费条款A/ Premium Instalment Clause (A) (47)

分期付费条款B/ Premium Instalment Clause (B) (48)

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) 48 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) 49 公共当局扩展条款/ Public Authority Extension Clause (49)

冷库扩展条款/ Refrigerating Plants Extension Clause (50)

重置价值条款（存货除外）/ Reinstatement Value Clause (not applicable to stock item) (51)

清理残骸条款/ Removal of Debris Clause (52)

沙尘暴除外条款/ Sandstorm Exclusion Clause (53)

沙尘暴扩展条款/ Sandstorm Extension Clause (53)

简易建筑除外条款/ Simple Building Exclusion (54)

烟熏扩展条款/ Smoke Damage Extension Clause (54)

暴雪、冰凌扩展条款/ Snowstorm and Icicle Extension Clause (55)

自燃除外条款/ Spontaneous Combustion Exclusion Clause (55)

自燃扩展条款/ Spontaneous Combustion Extension Clause (55)

自动喷淋系统水损扩展条款/ Sprinkler Leakage Damage Extension Clause (56)

仓储财产申报条款/ Stock Declaration and Adjustment Clause (56)

暴风雨除外条款/ Storm and Tempest Exclusion Clause (57)

暴风雨扩展条款/ Storm and Tempest Extension Clause (57)

存放保证条款/ Storage Warranty (58)

罢工、暴乱及民众骚乱扩展条款/ Strike Riot and/or Civil Commotions Extension Clause (58)

供应中断扩展条款A/ Supply Failure Extension Clause (A) (59)

供应中断扩展条款B/ Supply Suspension Extension Clause (B) (59)

供应中断扩展条款C/ Supply Failure Extension Clause (C) (59)

供应中断扩展条款D/ Supply Failure Extension Clause (D) (60)

临时保护措施扩展条款/ Temporary Protection Extension Clause (60)

厂区间临时移动扩展条款/Temporary Removal between Factories Extension Clause (61)

临时移动扩展条款/ Temporary Removal Extension Clause (61)

恐怖活动扩展条款/ Terrorism Extension Clause (62)

盗窃、抢劫扩展条款/ Theft, Burglary and Robbery Extension Clause (62)

龙卷风除外条款/ Tornado Exclusion Clause (63)

龙卷风扩展条款/ Tornado Extension Clause (63)

运输条款/ Transit Clause (64)

台风、飓风除外条款/ Typhoon and Hurricane Exclusion Clause (64)

台风、飓风扩展条款/ Typhoon and Hurricane Extension Clause (65)

建筑物未受损部分额外费用扩展条款/ Undamaged Building Extra Charges Extension Clause (65)

放弃代位追偿扩展条款/ Waiver of Subrogation Extension Clause (66)

装修工人条款/ Workmen Clause (66)

企财险附加条款1（仓储物扩展条款） (66)

企财险附加条款2（洪水责任水位线条款） (67)

企财险附加条款3（建筑物外部附属设施扩展条款） (67)

企财险附加条款4（防洪保证条款） (67)

企财险附加条款5（简易建筑物扩展条款） (67)

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 at 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 policy 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 Representat ive 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 malfunction 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/o r 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。

All Other Contents Extension Clause

It is agreed and understood that this Policy is extended to cover loss of or damage to the “All Other Contents” in respect of perils hereby insured against.

“All Other Contents” under this Clause is understood to include the following properties owned by or under control of the Insured:

1. Documents, manuscripts, computer systems records and accounts, but only for the material costs and labour costs incurred in rewriting, copying, reproducing such records. The Insurer’s liability under this item shall not exceed the related sublimit specified in the Policy;

2. Costs of reproducing patterns, models, moulds, plans and designs, which are not otherwise insured, other than cost of designing;

3. Employee’s clothing and other personal effects, subject to the related sublimit of any one Employee specified in this Policy.

The Insurer’s liability under this Clause shall not exceed ________.

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

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

建筑物变动扩展条款

经双方同意，由于本保险合同中载明地址内的建筑物进行扩建、改建、维修、装修过程中发生保险责任范围内的损失，保险人按照本保险合同的约定负责赔偿，但被保险人须以书面形式提前通知保险人并克尽职责防止损失发生。

本附加条款项下总合同价不得超过本保险合同中载明的相应数额。

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。

Alteration of Building Clause

It is agreed and understood that this Policy shall be extended to cover loss of or damage to the properties insured in the course of alterations, additions, structural repairs and decoration works provided that the Insured shall give the Company a prior notice in writing and exercise due diligence in preventing accidents, it being understood that the total contract value shall not exceed _____.

This Clause is subject otherwise to the terms, conditions and exceptions of this Policy.

权益转让条款/Assignment Clause

权益转让条款

兹经双方同意，本保险单项下的权利、名义、利益转让给_________________________

1、在下列情况下，本公司将通知____________________；

(1) 本公司注销保险单时，将在正式注销生效日前_____天，发出书面通知；

(2) 本保险单条件的变更或本保险单终止时，将在正式变更生效或终止日前_____天，发出书面通知；

(3) 被保险人拖欠保险费或不予续保；

(4) 本保险单项下超过_____元的赔偿；

2、保险财产无论是实际的、推定的、或商定的全损，扣除本保险单项下适用的赔额之后，本公司将赔款支付给____________________；

3、保险财产发生部分损失时，若经理算后的赔款不超过_____元，扣除本保险单项下适用的赔额之后，将全额支付给____________________或其指定人；若_______________以书面方式通知本公司，被保险人违反贷款协议规定，则该项赔款将全额支付给____________________。

4、保险财产发生部分损失时，若经理算后的赔款超过_____元，扣除本保险单项下适用的赔额之后，将全额支付给____________________或按其指示支付。

本保险单所载其它条件不变。

Assignment Clause

It is agreed and understood that all the rights, title and interests or benefits under this insurance Policy shall be assigned to

1. The Company shall advise __________ in following cases:

(a) In case the Policy is to be canceled, a written notice shall be given to the Insured __________ days before the cancellation is taken effect;

(b) In case there is any material alteration to the Policy or the Policy is to be canceled, a written notice shall be given to the Insured _______ days before such alteration or termination is taken effect;

(c) In case payment of premium is deferred by the Insured or renewal is not required;

(d) In case any claim under the Policy exceeds_____________

2. The claim amount hereunder in respect of any actual or constructive or compromised total loss of the insured property shall be paid to __________ upon deduction of the amount of deductibles stipulated in the Policy.

3. In case of a partial loss of the property insured, the adjusted claim amount, if not exceeding _________, shall be paid to _________ or to the one designated upon deduction of the deductibles stipulated in the Policy. If the Insured violates the loan agreement as notified by _________ in writing to the Company, the claim amount shall be fully paid to ________.

4. In case of a partial loss of the property insured, the adjusted claim amount, if exceeding ________, shall be paid to _________ or according to the latte r’s instruction upon deduction of the deductibles stipulated in the Policy. The clause is subject otherwise to the terms, conditions and exceptions of the Policy

自动承保条款/ Automatic Cover Clause

自动承保条款

兹经双方同意，明细表中描述的新置或新增的财产自其建成或购置、或转移至被保险人名下、或被保险人开始对其负责时起，除非另有其它保险，本保单的赔偿自动适用。但本公司在本扩展项下的责任不得超过总保险金额的___%。双方同意，被保险人应在购置上述财产后的60天内通知本公司，并按日比例支付附加保险费。

本保险单所载其他条件不变。

Automatic Cover Clause

It is hereby agreed that the indemnity provided by this Policy shall apply automatically and shall include all new or additional property as described in the Schedule from the time that construction or acquisition of such property is completed or that title to such property is transferred to the Insured or the Insured becomes responsible for such property (unless more specifically insured) but the liability of the Company for such extension shall not exceed

_____①_______% of the Total Sum Insured. It is understood that the Insured shall advise the Company of all such new or additional property not later than 60 days from the acquisition of such property and a pro rata additional premium will be charged.

This Clause is subject otherwise to the terms, conditions and exclusions of this policy.

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

自动恢复保险金额条款

经双方同意，发生保险责任范围内的损失时，各项受损保险标的的保险金额自动恢复，但被保险人应按日比例支付恢复部分自损失发生之日起至本保险合同保险期间届满之日止期间的保险费。

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。

Automatic Reinstatement of Sum Insured Clause

It is agreed and understood that in the event of any valid claim payable under this Policy the Sum Insured canceled by loss is to be automatically reinstated as from the date of loss. The insured undertakes to pay pro-rata additional premium for such reinstatement for the period from that date to the expiry of this Policy.

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

分摊豁免条款/ Average Relief Clause (20%)

分摊豁免条款

兹经双方同意，当发生火灾或本保险单承保的其他风险造成所有保险财产损失需要进行重置时，若该保险财产在损毁开始之时的重置费用，超出保险金额百分之二十以上，则被保险人将被视为超出部分的自保人，并将相应地按比例承担损失。保险单中与本附加条款有关的每一项目应分别适用前述规定。

本保险单所载其他条件不变。

Average Relief Clause (20%)

It is hereby agreed if at the time of replacement or reinstatement the sum representing the cost which would have been incurred in replacement or reinstatement if the whole of the property covered had been destroyed, exceeds the sum insured hereon by more than 20% at the breaking out of any fire or at the commencement of any destruction of or damage to such property by any peril insured against by this Policy, then the Insured shall be considered as being his own insurer for the excess and shall bear a ratable proportion of the loss accordingly. Each item of the Policy to which this memorandum applies shall be separately subject to the foregoing provision.

This Clause is subject otherwise to the terms, conditions and exclusions of this policy.

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

锅炉、压力容器扩展条款

经双方同意，在本保险合同中载明地址内，被保险人所有的或管控的锅炉、压力容器在正常使用过程中，由于下列原因造成自身的损失，保险人按照本保险合同的约定负责赔偿：

(一) 操作不当；

(二) 爆炸。

但存在下列情形时发生的损失，保险人不负责赔偿：

(一) 未按规定和技术规程进行维护保养、检修或违规运行及给水水质不良；

(二) 操作人员无政府有关部门签发的操作上岗证进行操作；

(三) 锅炉未取得政府有关部门颁发的使用登记证或年检合格证。

被保险人应保证所投保的锅炉、压力容器的质量符合有关法规及行业规范。

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。

Boilers and Pressure Vessels Extension Clause

It is agreed and understood that this Policy shall be extended to cover loss of or damage to the boilers and pressure vessels which are belonging to or under the control of the Insured in the Premises during the course of their normal use caused by the following:

1. Faulty operation;

2. Explosion.

However, the Insurer shall not be liable for loss or damage of boilers and pressure vessels when:

1. boilers and pressure vessels not to be maintained regularly to comply with the technical manual or not being operated in compliance with reg ulations or quality of the water doesn’t satisfy technical requirements;

2. boilers and pressure vessels being operated by technicians with no valid qualification certificate;

3. boilers and pressure vessels aren’t registered with related authorities or fa il to pass the annual inspection.

The Insured warrants that quality of boiler and pressure vessels shall satisfy the relevant laws, regulations, and industrial criterion.

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

商标条款/Brand & Trademark Clause

商标条款

当保险财产发生损失时，如果受损财产带有商标或带有或含有代表制造商或被保险人的保证或责任的标志，则计算该受损财产的残值时，应按惯例方式剥离其商标及其他标志后的价值。被保险人将保留保单下受损货物的全部所有权和控制权。被保险人将与独立公估人一起对受损货物是否适合消费做出合理的判断，被保险人与公估人共同认为不适合消费的物品不得销售或作其他处理；除非经被保险人同意或由被保险人在公开市场上销售或作其他处理，但被保险人允许保险人将销售与处理受损货物所得计入残值。

Brand & Trademark Clause

In case of damage to property bearing a brand or trademark or which in any way carries or implies the guarantee or the responsibility of the manufacturer or the Insured, the salvage value of such damage property shall be determined after removal in the customary manner of all such brand or trademarks or other identifying characteristics. The Insured shall have full right to the possession of all goods involved in any loss under this policy and shall retain control of all damaged goods. The Insured jointly with the independent adjuster, exercising a reasonable discretion, shall be the judges in agreement as to whether the goods involved in any loss under this Policy are fit for consumption and no goods so deemed by the Insured, and the independent adjuster to be unfit for consumption shall be sold or otherwise disposed of except by the Insured or with the Insured’s consent, to an open market; But the Insured shall allow the Insurers any salvage obtained by the Insured on any sale or other disposition of such goods.

违反条件条款/ Breach of Conditions Clause

违反条件条款

经双方同意，被保险人违反了本保险合同约定的条件和保证时，仅使这些违反的条件和保证所对应的保障失效，而不影响其他保障的效力。

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。

Breach of Conditions Clause

It is agreed and understood that any breach in any condition or warranty shall void the section only in respect of the risks to which that breach applied and does not affect the section in respect of the other risks.

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

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

玻璃破碎扩展条款

经双方同意，在本保险合同中载明地址内，作为被保险建筑物组成部分的玻璃破碎损失，保险人按照本保险合同的约定负责赔偿。但由于该玻璃破碎引起的其他物品的损失，保险人不负责赔偿。

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。

Breakage of Glass Extension Clause

It is agreed and understood that this Policy shall be extended to cover the breakage of glass itself fixed in the buildings insured at the Premises. However, the Insurer shall not be liable for the loss of or damage to other property resulting from the breakage of the glass.

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