保险合同翻译
财产保险合同(英文)
财产保险合同(英文) propertyinsuranceclauseswholedoc.i.thepropertyinsured thepropertyinsuredshallrefertoallpropertiesandexpensesspe- cifiedinthescheduleofthispolicy. unlessspecificallyagreeduponinwritingbetweentheinsuredandthecompanyandappraisedandvalue-establishedbyprofessionalsorassessors,thefollowingarticlesandtheexpensesrelevanttheretoshallnotbe coveredunderthispolicy:1.gold,silver,pearls,diamonds,preciousstonesandjades;2.antiques,articlesofvirtue,ancientcoins,ancientbooksand ancientpaintings;3.worksofartorpostagestamps;4.advertisements,aerials,neon,piecesofsolarenergyapparatusetc.onbuildings;putersystemrecordsoritsmakingandcopyingcosts. undernocircumstancesshallthefollowingarticlesrelevantthereto becoveredhereunder:1.guns,ammunitionorexplosives;2.banknotes,securities,bills,documents,files,accountbooksor drawings;3.animals,plantsandagriculturalcrops;4.mobilephones,portablecomputers,removablephotographapparatus orotherpreciousarticles;5.vehicleslicensedforgeneraltransportuse.ii.scopeofcover thecompanyshallindemnifytheinsuredinrespectofthephysical lossofordamagetotheinsuredpropertystatedinthescheduleduring theperiodofinsurancedirectlyarisingfromthefollowingperils: 1.fire;2.explosion; butnotincludingexplosionofaboilerorotherpressurerelief devices;3.lightning;4.hurricane,typhoonandtornado;5.storm,tempestandflood; butnotincludinglossordamagecausedbychangeinnormalwater levelorinundationfromseawaterorwaterescapeorleakagefromthe normalconfinesofanynaturalwatercourse,lakeorreservoir,canalor damaswellaslossofordamagetotheinsuredpropertycausedbystorm, tempestorfloodwhilebeingstoredintheopenorcoveredbyorundera shedthatchedwithreeds,tarpaulins,straw,asphaltfelt,plasticor nylonsheet;6.hailstorm;ndslide,rockslide,avalanche;8.volcanicexplosion;9.subsidenceofground;butnotincludinglossordamageresultingfrompiledriving, groundworkorexcavation;10.crashingaircraftandpartsorarticlesfallingfromaircraftand otherflyingobjects;11.burstingofwatertankorpipe; butnotincludingburstingofwatertankorpipeduetorust.iii.exclusionsthiscompanyshallnotbeliablefor:1.lossofordamagetotheinsuredpropertyorexpensescausedbyintentionalactorgrossnegligenceoftheinsuredorhisrepresentativ e;2.lossofordamagetotheinsuredpropertycausedandexpenses incurredbyearthquakeortsunami;3.depreciation,lossofmarket,lossofuseandotherconsequential lossesofanydescription;4.lossofordamagetotheinsuredpropertyorexpensesincurredarisingfromwar,warlikeoperation,hostilities,armedconflicts,terrorism,conspiracyinsurrection,coupdetat,strike,riot,andciv ilcommotion;5.confiscation,requisition,destructionordamagebyanyactionor orderofanygovernmentdejureordefactoorbyanypublicauthorities;6.lossofordamagetoinsuredpropertydirectlyorindirectlycausedorexpensesincurredbynuclearfission,nuclearfusion,nuclearweapo n,nuclearmaterial,nuclearradiationandradioactivecontamination;7.lossordamagecausedandexpensesincurredbypollutionofany kindordescriptionwhatsoeversuchasatmosphere,landandwater pollutionsbutthisdoesnotincludelossordamagecausedbypollution arisingfromperilsspecifiedinarticleiithepolicy;8.thedeductiblesstatedinthescheduletobebornebytheinsured;9.lossordamagearisingfromanyotherperilsnotlistedinarticle iiofthispolicy.iv.treatmentofclaim1.thecompanyshallatitsoption,indemnifytheinsuredinrespect oflossordamagefallingwithinthescopeofcoverofthepolicyby either:1.1payingtheamountoftheactualvalueofthepropertylostor damagedor;1.2payingthenecessarycostofrepairingorrestoringthedamaged propertytoitsnearestconditionimmediatelyprecedingthedamageor;1.3repairingorrestoringthedamagedpropertytoaconditionnearto otherpropertyoflikekindandquality.2.indemnityunderthispolicyshallbebaseduponthesoundmarket valueofthepropertyprevailingatthetimeofloss.ifthesoundmarket valueofthedamagedpropertyislowerthanthesuminsuredofsuch property,theclaimshallbesettledonitsmarketvalue;ifthesoundmarketvalueofthepropertyisinexcessofthesuminsured,thecompanyshallonlybeliableforsuchproportionoftheclaimasthesuminsured ofthedamagedpropertybearstoitssoundmarketvalue.iftheinsured propertyenumeratedinthescheduleismorethanoneitem,theprovision ofthisclauseshallapplytoeachthereof.3.ifaclaimforlossofordamagetotheinsureditemissettledon atotallossbasis,thesalvagevalueofsuchitemshallbedeductedfrom theindemnitypayablebythecompany.thecompanymay,atitsoption, declinetheabandonmentofanydamagedpropertybytheinsured.4.intheeventoflossofordamagetoanyequipmentiteminsured formingpartofapairorset,thecompanyshallnotbeliableinrespect ofeachofsuchitemlostordamagedformorethanitsproportionatepart ofthesuminsuredonthecompletepairorset.5.intheeventofanylossoccurrence,thecompanyshallalsopaytheinsuredfortheexpensesreasonablyincurredfortakingnecessarymeas urestominimizelossordamagetotheleastextent,butinnocaseshallsuchexpensesreferredheretoexceedthesuminsuredoftheinsuredproperty.6.uponsettlementofaclaim,anendorsementshallbeissuedbythe companytoreducethesuminsuredcorrespondingtothepropertylostor damagedbytheamountsosettledfromthedateofloss,andnopremium shallberefundedfortheamountsoreduced.ifreinstatementofthesum insuredisrequiredbytheinsureduponsettlementoftheclaim,anadditionalpremiumforthereinstatedamountshallbechargedatanagre edrate,andbecalculatedonproratadailybasisfromthedateoflossto theexpiryoftheinsurance.7.thetimeofvalidityofaclaimunderthisinsuranceshallnot exceedaperiodoftwoyearcountingfromthedateofloss.v.insuredsobligations thefollowingobligationsshallbestrictlyfulfilledbytheinsured andhisrepresentative:1.theinsuredandhisrepresentative,whenapplyingforinsuranceshallmaketrueanswersordescriptionstothequestionsintheproposal andquestionnaireortoanyotherquestionsraisedbythecompany.2.theinsuredandhisrepresentativeshallpaytothecompanyindue coursetheagreedpremiuminthemannerasprovidedinthescheduleand endorsements.3.duringtheperiodofthisinsurance,theinsuredshallathisown expensetakeallreasonableprecautions,includingpayingsufficientattentiontoandputtingintopracticethereasonablerecommendations ofthecompany,prudentlyselectingtheworkmenandemployeesandcomplyi ngwithallstatutoryregulationsandsafetyoperationprocedures.4.intheeventofanyoccurrencewhichgivesormightgiverisetoa claimunderthispolicy,theinsuredorhisrepresentativeshall:4.1notifythecompanyimmediatelyandwithinseven(7)daysoranyfurtherperiodasmaybeagreedbythecompanyinwriting,furnishawrittenreporttoindicatethecourse,probablereasonandextentoflos sordamage;4.2takeallnecessarymeasurestoavoidaggravationofthelossor damageandminimizeittotheleastextent;4.3preservethespotaffectedanddefectivepartsbeforean inspectioniscarriedoutbyarepresentativeorsurveyorfromthe company;4.4furnishallsuchinformationanddocumentaryevidenceasthe companymayrequireforsupportingtheclaim.vi.generalconditions1.policyeffect thedueobservanceandfulfilmentofthetermsandconditionsofthis policyinsofarastheyrelatetoanythingtobedoneorcompliedwithbytheinsuredshallbeaconditionprecedenttoanyliabilityofthecompan yunderthispolicy.2.policyvoidancethispolicyshallbevoidableintheeventofmisrepresentation,misdescriptionornon-disclosuremadebytheinsuredorhisrepresentativeinanymaterialparticularinrespectofthisinsurance.3.policyterminationunlessitscontinuancebeadmittedbythecompanyinwriting,thispolicyshallbeautomaticallyterminatedif:3.1theinsurableinterestoftheinsuredislost;3.2theriskoflossordamageisincreased.afterterminationofthepolicy,thepremiumshallberefundedtotheinsuredcalculatedonproratadailybasisfortheperiodfromthedateofterminationtothedateofexpiry.4.policycancellationthispolicymaybecanceledatanytimeattherequestoftheinsured inwritingorattheoptionofthecompanybygivingafifteen(15)days priornoticetotheinsured.intheformercasethecompanyshallretaina premiumcalculatedonshorttermratebasisforthetimethepolicyhas beeninforcewhileinthelattercasesuchpremiumshallbecalculatedon proratadailybasis.5.forfeitofbenefitiftheclaimisinanyrespectfraudulent,orifanyfraudulentmeans ordevicesareusedbytheinsuredorhisrepresentativetoobtainany benefitunderthispolicyorifanylossordamageisoccasionedbytheintentionalactorintheconnivanceoftheinsuredorhisrepresentativ e,theninanyofthesecases,alltherightsandbenefitsoftheinsured underthispolicyshallbeforfeited,andallconsequentlossesarising therefromincludingtheamountofclaimpaidbythecompanyshallbeindemnifiedbytheinsured.6.reasonableinspection therepresentativeofthecompanyshallatanysuitabletimebe entitledtoattendthesiteandinspectorexaminetheriskexplosureof thepropertyinsured.forthispurpose,theinsuredshallprovidefullassistanceandalldetailsandinformationrequiredbythecompanyasma ybenecessaryfortheassessmentoftherisk.theabovementioned inspectionorexaminationshallinnocircumstancesbeheldasany admissiontotheinsuredbythecompany.7.doubleinsuranceshouldanyloss,damage,expensesorliabilityrecoverableunderthe policybealsocoveredbyanyotherinsurance,thecompanyshallonlybeliabletopayorcontributehisproportionoftheclaimirrespectiveast owhethertheotherinsuranceisarrangedbytheinsuredorothersonhisbehalf,orwhetheranyindemnificationisobtainableundersuchotherinsurance.8.subrogation whereathirdpartyshallbeheldresponsibleforthelossordamagecoveredunderthispolicy,theinsuredshall,whetherbeingindemnifie dbythecompanyornot,takeallnecessarymeasurestoenforceorreservetherightofrecoveryagainstsuchthirdparty,anduponbeingindemnifiedb ythecompany,subrogatetothecompanyalltherightofrecovery,transfe rallnecessarydocumentstoandassistthecompanyinpursuingrecovery fromtheresponsibleparty.9.dispute alldisputesunderthisinsurancearisingbetweentheinsuredandthe companyshallbesettledthroughfriendlynegotiations.wherethetwopartiesfailtoreachanagreementafternegotiations,suchdisputesha llbesubmittedtoarbitrationortocourtforlegalactions.unlessotherwiseagreed,sucharbitrationorlegalactionshallbecarriedout intheplacewherethedefendantisdomiciled.vii.specialprovisionsthefollowingprovisionsshallbeappliedtoallpartsofthispolicyandshalloverridetheothertermsandconditionsofthispolicyifanyconflictarises.propertyinsurancepolicypolicyno.:whereastheinsurednamedinthescheduleheretohasmadetothe______insurancecompany(hereinaftercalled""thecompany"")awritt enproposalwhichtogetherwithanyotherstatementsmadebytheinsuredfo rthepurposeofthispolicyisdeemedtobeincorporatedhereinandhaspaidtothecompanythepremiumstatedintheschedule. nowthispolicyofinsurancewitnessesthatsubjecttothetermsandconditionscontainedhereinorendorsedhereonthecompanyshallindem nifytheinsuredforthelossordamagesustainedduringtheperiodof insurancestatedinthescheduleinthemannerandtotheextent hereinafterprovided.bythe________insurancecompany_________________________authorisedsignaturedateofissue:placeofissue:schedulepolicyno.:andaddressoftheinsured1.1theinsured:1.2address:2.locationofthepropertyinsured:3.natureoftrade:4.insureditemsandsumsinsured: insureditemssumsinsured4.1propertyinsured4.1.1building(s)(includingdecoration): 4.1.2machineryandequipment:4.1.3furnitureandfixture:(includingofficeequipmentandsupplies) 4.1.4stock:4.1.5others:4.2additionalexpenses:4.2.1removalofdebrisfees:4.2.2fireextinguishingexpenses:4.2.3professionalfees:4.2.4otherexpenses:totalsuminsured:5.deductible(anyoneaccident):6.periodofinsurance:___months.from00:00of_________to24:00hoursof______7.premiumrate:totalpremium:8.dateofpayment:9.jurisdiction: thispolicyisgovernedbylawofthepeoplesrepublicofchina.10.specialprovisions: propertyinsurancepolicysschedule_________insurancecompany。
财产保险合同英文版
合同(Contract)，又称为契约、协议，是平等的当事人之间设立、变更、终止民事权利义务关系的协议。
Contract, also known as contract and agreement, is an agreement between equal财产保险合同英文版PROPERTY INSURANCE CLAUSESI. THE PROPERTY INSUREDThe property insured shall refer to all properties and expenses specified 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 making and copying costs.Under no circumstances shall the following articles relevantthereto 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 COVERThe 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. EXCLUSIONSThis 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 CLAIM1. 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 soundmarket 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 ofthe 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 OBLIGATIONSThe 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 course the agreed 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, prudently 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：4.1 notify the Company immediately and within seven （7）days or any further period as may be agreed by the Company in writing, furnish a written report to indicate the course, probable reason and extent of loss or damage；4.2 take all necessary measures to avoid aggravation of the loss or damage and minimize it to the least 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.VI. GENERAL CONDITIONS1. Policy EffectThe 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 VoidanceThis Policy shall be voidable in the event ofmisrepresentation, misdescription or non-disclosure made by the Insured or his representative in any material particular in respect of this insurance.3. Policy TerminationUnless its continuance be admitted by the Company in writing, this Policy 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 the Insured calculated on pro rata daily basis for the period from the date of termination to the date of expiry.4. Policy CancellationThis Policy may be canceled at any time at the request of the Insured in writing or at the option of the Company by giving a fifteen （15） days prior notice to the Insured. In the former case the Company shall retain a premium calculated on short term rate basis for the time the Policy has been in force while in the latter case such premium shall be calculated on pro rata daily basis.5. Forfeit of BenefitIf the claim is in any respect fraudulent, or if anyfraudulent means or devices are used by the Insured or his representative to obtain any benefit under this Policy or if any loss or damage is occasioned by the intentional act or in the connivance of the Insured or his representative, then in any of these cases, all the rights and benefits of the Insured under this Policy shall be forfeited, and all consequent losses arising therefrom including the amount of claim paid by the Company shall be indemnified by the Insured.6. Reasonable InspectionThe representative of the Company shall at any suitable time be entitled to attend the site and inspect or examine the risk explosure of the property insured. For this purpose, the Insured shall provide full assistance and all details and information required by the Company as may be necessary for the assessment of the risk. The above mentioned inspection or examination shall in no circumstances be held as any admission to the Insured by the Company.7. Double InsuranceShould any loss, damage, expenses or liability recoverable under the Policy be also covered by any other insurance, the Company shall only be liable to pay or contribute his proportion of the claim irrespective as to whether the other insurance is arranged by the Insured or others on his behalf, or whether any indemnification is obtainable under such other insurance.8. SubrogationWhere a third party shall be held responsible for the loss or damage covered under this Policy, the Insured shall, whether being indemnified by the Company or not, take all necessary measures to enforce or reserve the right of recovery against such third party, and upon being indemnified by the Company, subrogate to the Company all the right of recovery, transfer all necessary documents to and assist the Company in pursuing recovery from the responsible party.9. DisputeAll disputes under this insurance arising between the Insured and the Company shall be settled through friendly negotiations. Where the two parties fail to reach an agreement after negotiations, such dispute shall be submitted to arbitration or to court for legal actions. Unless otherwise agreed, such arbitration or legal action shall be carried out in the place where the defendant is domiciled.VII. SPECIAL PROVISIONSThe following provisions shall be applied to all parts of this Policy and shall override the other terms and conditions of this Policy if any conflict arises.PROPERTY INSURANCE POLICYPolicy No.：WHEREAS THE INSURED named in the Schedule hereto has made to the ______ Insurance Company （hereinafter called "the Company"） awritten Proposal which together with any other statements made by the insured for the purpose of this Policy is deemed to be incorporated herein and has paid to the Company the premium stated in the Schedule.NOW THIS POLICY OF INSURANCE WITNESSES that subject to the terms and conditions contained herein or endorsed hereon the Company shall indemnify the insured for the loss or damage sustained during the period of insurance stated in the Schedule in the manner and to the extent hereinafter provided.By the ________ Insurance Company_________________________ Authorised SignatureDate of Issue：Place of Issue：SCHEDULEPolicy No.：1. Name and Address of the Insured1.1 The Insured：1.2 Address：2. Location of the Property Insured：3. Nature of Trade：4. Insured Items and Sums Insured：Insured Items Sums Insured4.1 Property Insured4.1.1 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。
保险合同英文说明模板
保险合同英文说明模板Insurance Contract Explanation Template1. IntroductionThank you for choosing our insurance company for your insurance needs. We have prepared this insurance contract explanation to help you understand the terms and conditions of your insurance policy.2. Insurance CoverageIn this section, we will provide a detailed explanation of the insurance coverage provided under your policy. This includes the type and extent of coverage, as well as any limitations or exclusions that may apply. It is important to review this section carefully to understand what is covered and what is not.3. Policy TermHere, we will explain the duration of your insurance policy, including the start and end dates. We will also highlight any provisions for renewing or canceling the policy. It is essential to be aware of the policy term to ensure continuous coverage and avoid any lapses.4. Premiums and PaymentsThis section will outline the premium amount and the frequency of payments required. We will explain when and how to make payments, as well as any consequences for late or missed payments. It is crucial to understand your premium obligations to maintain your coverage without interruption.5. Claims ProcessIn this section, we will describe the procedure for filing a claim under your insurance policy. We will explain the necessary documentation and the timeframe for submitting a claim. Additionally, we will outline the steps involved in claims assessment and the payment process. Understanding the claims process will help you navigate any potential claim situations smoothly.6. Deductibles and ExcessHere, we will explain any deductibles or excess that may apply to your policy. Deductibles are the amount you have to pay before the insurance coverage kicks in, while excess is the amount you must contribute towards a claim. We will clarify the specific amounts and how they impact your coverage.7. Renewal and CancellationThis section will cover the guidelines and procedures for renewing or canceling your insurance policy. We will explain the notice period required and any conditions that may affect the renewal or cancellation process. It is important to adhere to these guidelines to ensure continuous coverage or halt insurance services if needed. 8. Termination and RefundsIn this section, we will explain the circumstances under which the insurance company may terminate your policy. We will also provide details on any refund policies applicable in case of cancellation or termination. Understanding these provisions will help you make informed decisions regarding your insurance coverage.9. Limitations and ExclusionsHere, we will outline any limitations or exclusions that may apply to your policy. These are specific situations or events that are not covered by the insurance policy. It is crucial to review this section carefully to understand the extent of coverage and to avoid filing claims that may fall under the mentioned limitations or exclusions.10. Compliance and Legal ObligationsThis section will highlight your responsibilities and obligations as the policyholder. We will explain any legal or regulatory requirements you must comply with to maintain the insurance coverage. It is essential to be aware of your obligations to avoid any issues or potential policy breaches.11. ConclusionWe hope this insurance contract explanation has clarified the terms and conditions of your insurance policy. If you have any further questions or require additional information, please do not hesitate to contact our customer service team. We value your business and are committed to providing you with excellent insurance services.。
金融合同-3 保险合同Convertor12 精品
第三章保险合同●为什么要学习保险合同？在保险业中，保险当事人之间的权利义务关系，是通过订立保险合同的形式建立起来的，保险行为的过程是围绕着订立和履行保险合同展开的。
保险关系也是一种法律关系，即合同关系。
保险合同是保险学研究的重点。
什么是保险合同●保险合同（insurance contract）也称保险契约，它是保险关系双方当事人为实现保险保障目的，在自愿基础上订立的关于双方权利义务关系的法律协议。
●理解要点：1 权利义务关系2 法律协议：具有法律效力，约束法律关系（不同于商品买卖关系）。
第一节保险合同的特征●保险合同与一般合同的共性：①合同的当事人必须具有民事行为能力。
②保险合同是双方当事人意思表示一致的行为，而不是单方的法律行为。
③保险合同必须合法，否则不能得到法律的保护。
●保险合同的特性：①保险合同是保障性合同保险人根据保险合同的规定对被保险人提供经济保障补偿性——限于损失部分②保险合同是射幸性合同保险合同履行的结果建立在事件可能发生，也可能不发生的基础之上。
条件性——合同规定的条件③保险合同是双务合同当事人双方都享有权利和承担义务，一方的权利即为另一方的义务的个人性——权利义务的指向：遭受损失的被保险人④保险合同是附和性合同当事人以一方提出合同的主要内容,另一方只是做出取或舍的决定。
要式性——特定的形式、特定的程序第二节保险合同的要素——主体、客体、内容一、保险合同的主体：保险合同的当事人；保险合同的关系人①保险合同的当事人（指合同权利与义务的承担者，与保险合同有着直接的关系）♦保险人（insurer）：指与投保人订立保险合同，并承担赔偿或者给付保险金责任的保险公司。
♦投保人(applicant)：指与保险人订立保险合同，并按照保险合同负有支付保险费义务的人。
——条件①必须具有完全民事行为能力。
②必须对保险标的具有可保利益。
③必须履行支付保险费的义务。
●投保人：必须对保险标的具有可保利益。
保险英语词汇
保险英语词汇保险英语词汇Aabandonment 委付abandonment clause 委付条款accident 意外事故accounting period 结算期act of god 不可抗力actual total loss 实际全损actuarial method 精算法actuary 保险精算师additional premium 附加保险费additional risk 附加险advance profit 预期利润aggregate limit 累积限额aggregated loss 累积损失all-risks policy 一切险保单antis election 逆选择applicant 投保人application 投保单approved 承保assignment clause 转让条款average 海损、海损分摊average adjuster 海损理算人average clause 共同海损分担条款保险英语词汇Bbalance 所欠款项beneficiary 受益人binder 暂保单binding slip 暂保单breakage of packing 包装破碎险broker 经纪人保险英语词汇Ccapacity 承保能力captive 自保公司captive pools 自保组合cargo damage adjustment 货损理算cargo damage inspection 货损检验cargo damage prevention 货损预防cargo damage report 货损报告cargo damage survey 货损检查，货物损坏检验cargo insurance premium 货物保险费cargo insurance rate 货物保险费率cargo insurer 货物承保人cargo policy 货物保单，货物保险单cargo premium 货运保险费，货物保险费cargo underwriter 货物保险承保人（商），货险承保人，货物承保人cash loss 现金赔款cash value 现金价值catastrophe 巨灾catastrophe excess of loss（CXL）巨灾超赔\巨灾超赔分保categories of insurance 保险类别ceding company 分出公司ceding(insurance)company 分保公司ceding, retrocession(for reinsurance) 分保certificate of cargo damage 货损证明certificate of insurance 保险证明、保险凭证cession limit 分保限额China Insurance Clause (CIC) 中国保险条款claim 索赔claim assessor 索赔人claim settlement 理赔claim-prone 容易出险claims and arbitration 索赔与仲裁claims assistance 理赔协助clash and breakage 碰损，破碎险clean cut 结清方式coinsurance 共保co-insurance 共同保险co-insurance company 共同保险公司combined ratio 综合赔付率commencement and termination 起讫concurrent insurance 同时保险consequential loss (CL) 后果损失constructive total loss 推定全损contingent liquidity 或有流动性continued insurance 继续保险co-related risks 关联风险cover 承保、责任额cover note 保险证明书,承保单，保险证明cover note 暂保单（证明同意承保的临时文件）coverage 受保范围。
常见保险英语大全
常见保险英语大全-CAL-FENGHAI.-(YICAI)-Company One1常见保险英语大全air transportation risk 航空运输险average 海损actual total loss 实际全损additional premium 附加保险费additional risk 附加险aflatoxin risk 黄曲霉素险breakage of packing 包装破碎险China Insurance Clauce (CIC) 中国保险条款claim adjustment (settlement of claim) 理赔claims and arbitration 索赔与仲裁clash and breakage 碰损，破碎险co-insurance 共同保险constructive total loss 推定全损contractors all risks insurance 建筑工程一切险cover note 暂保单（证明同意承保的临时文件）;cover note 承保单，保险证明damage caused by heating and sweating 受热受潮险disbursement policy (船舶)驶费保险单double insurance 双保险endowment insurance 养老保险extra premium 额外保险费extraneous risks (additional risks) 附加险failure to delivery risk 交货不到险floating policy 浮动保险单franchise (deductible) 免赔额；免赔率free from/of particular average(FPA, 平安险freight policy 运费保险单General Average .) 共同海损guarantee of insurance 保险担保书health insurance 健康保险hook damage 勾（钩）损险Institute Cargo Clauses (ICC，协会货物（保险）条款insurance 保险；保险金额insurance against air risk （air transportation insurance）航空运输保险insurance against all risks 保一切险，综合险insurance against breakage 保渗漏险insurance against extraneous（additional） risks 附加险insurance against rain or fresh water 保淡水雨淋险insurance against strike, riot and civil commotion (SRCC) 罢工、暴动、民变险insurance against total loss only (TLO) 全损险insurance agent(s) 保险代理，保险代理人insurance amount 保险额insurance applicant 投保人insurance broker 保险经纪人insurance business 保险业insurance certificate 保险凭证，保险证书insurance claim 保险索赔insurance clause 保险条款insurance commission 保险佣金insurance company 保险公司insurance conditions 保险条件，保险契约约定条款insurance coverage 保险范围，保额insurance declaration sheet (bordereau) 保险申报单(明细表) insurance document 保险单据insurance expense 保险费用insurance industry 保险业insurance instruction 投保通知，投保须知insurance law 保险法insurance on last survivor 长寿保险insurance policy 保险单, 保单insurance premium 保险费insurance proceeds 保险赔偿金，保险赔款insurance rate 保险费率insurance slip 投保申请书，投保单insurance underwriter 保险承保人insurance value (insurance amount) 保险金额insurant 被保险人insure 保险；投保insured amount 保险金额insurer 保险人，保险商insurer (underwriter) 承保人、保险人investment insurance 投资保险land transit insurance 陆上运输保险letter of guarantee 保函，保证书life insurance 人寿保险loss (damage)cuased by breakageof packing 包装破裂险marine insurance 海运保险，水险Marine Loss 海损medical insurance 医疗保险ocean marine cargo clauses 海洋运输货物保险条款on deck risk 舱面险open policy 预约保险单open policy insurance 预约保险overland （transportation） insurance 陆上运输保险parcel post insurance 邮包运输保险partial loss 部分损失particular average .) 单独海损perils of the sea 海上风险policy 保单，保险契约policy holder 保险客户,保险单持有人policy package 承保多项内容的保险单policy proof of interest 保险单权益证明policy reserves 保险单责任准备金premium 保险费premium rate 保险费率premium rebate 保险费回扣property insurance 财产保险rejection risk 拒收险renew coverage 续保riks of non-delivery 提货不着险risk 保险，保险额risk of bad odour 恶味险，变味险risk of breakage 破碎险risk of clashing 碰损险risk of contamination 污染险risk of contingent import duty 进口关税险risk of deterioration 变质险risk of error 过失险risk of hook damage 钩损险risk of import duty 进口关税险risk of inherent vice 内在缺陷险risk of labels being washed off 标签破损险risk of leakage 渗漏险risk of loss 损失险risk of mould 发霉险risk of normal loss (natural loss) 途耗或自然损耗险risk of oil damage 油渍险risk of packing breakage 包装破裂险risk of rain and/or fresh water damage 淡水雨淋险risk of rust 锈蚀险risk of shortage in quantity 短量险risk of shortage in weight 短重险risk of spontaneous combustion 自燃险risk of sweating and/or heating 受潮受热险risk of theft, pilferage and nondelivery (TRND) 盗窃、提货不着险risk premium 风险贴水、风险溢价sickness insurance 疾病保险social insurance 社会保险special additional risk 特别(特殊)附加险survey at jetty risk 码头检验险survey in customs risk 海关检验险the insured 受保人，被保险人the People's Insurance Company of China 中国人民保险公司Theft, Pilferage and Non-delivery (PTND, 偷窃、提货不着险time policy 定期保险单under deck risk 舱内险underwriter 保险商（指专保水险的保险商），保险公司total loss 全部损失transportation insurance 运输保险valued policy 定值保险单voyage policy 航程保险单with particular average（WPA）水渍险，基本险，单独海损赔war risk 战争险※更多学习资料请参考：※英语口语培训英语水平测试英语培训机构英语培训。
保险合同 (中英文)
保险合同 (中英文)保险合同 (Insurance Contract)背景介绍 (Background Introduction)该保险合同（以下简称“合同”）由以下双方于（合同签订日期）签署。
一方，保险人（以下简称“甲方”）：- 公司名称：[甲方公司名称]- 注册地：[甲方注册地]- 法定代表人：[甲方法定代表人]- 联系地址：[甲方联系地址]- 联系[甲方联系电话]另一方，被保险人（以下简称“乙方”）：- 姓名：[乙方姓名]- 身份证号码：[乙方身份证号码]- 地址：[乙方地址]- 联系[乙方联系电话]保险条款 (Insurance Terms)1. 保险责任1.1 本合同的保险责任范围包括但不限于以下风险：- [列举风险1]- [列举风险2]- [列举风险3]1.2 甲方将对乙方在合同期间内发生的损失承担相应的赔偿责任，具体赔偿金额和方式按照后续条款约定执行。
2. 保险费2.1 乙方应按照以下方式支付保险费：- 保险费金额：[保险费金额]- 缴费方式：[缴费方式]- 缴费期限：[缴费期限]2.2 若乙方未按时支付保险费，甲方有权暂停或终止对乙方的保险保障，并有权要求乙方补缴逾期保险费及产生的相关费用。
3. 索赔流程3.1 在发生保险事故后，乙方应立即通知甲方，并提供以下证明文件：- 保单号码- 事故经过描述- 相关损失证明材料3.2 甲方将在收到乙方的索赔通知和相关证明文件后，尽快进行核实和处理，并按照约定赔偿金额进行理赔。
保险合同期限本合同自（开始日期）起生效，至（结束日期）止，共计（合同期限）。
合同终止本合同在以下情况下终止：- 乙方自愿解除合同- 合同期满且双方未进行续约- 因任一方违约，经书面通知后终止法律适用和争议解决本合同的解释和适用以[甲方注册地]法律为准。
因本合同引起的争议，双方应友好协商解决，若协商未果，应提交[甲方注册地]仲裁委员会进行裁决。
此为保险合同的重要条款，双方应共同认真阅读并理解后签署。
合同翻译
一、汉译英1.长期合同a long-term contract2.短期合同a short-term contract3.完成合同Completion of Contract4.期货合同Contract for Future Delivery5.订货合同Contract for Goods6.采购合同Contract for Purchase7.劳务合同Contract for Service8.劳动合同Labor Contract9.买卖合同（证书）contract note10.仲裁合同Contract of Arbitration11.运输合同Contract of Carriage12.客运合同Passenger Carriage Contract13.货运合同Cargo Carriage Contract14.技术合同Technology Contract15.技术开发合同Technology Development Contract16.技术转让合同Technology Transfer Contract17.技术咨询合同Technical Consulting Contract18.技术服务合同Technical Service Contract19.保管合同Safekeeping Contract20.仓储合同Warehousing Contract21.委托合同Agency Appointment Contract22.-行纪合同Trading-Trust Contract23.居间合同Brokerage Contract24.-多式联运合同Multi-modal Carriage Contract25.雇佣合同Contract of Employment26.保险合同Contract of Insurance27.销售合同Contract of Sale28.买卖合同Sales Contract29.供电、水、气、热合同Contract for Supply of Power, Water, Gas , Or Heat30.赠与合同Gift Contract31.借款合同Contract for Loan of Money32.租赁合同Leasing Contract33.融资租赁合同Leasing Contract34.承揽合同Contracts of Hired Work35.建设工程合同Contracts of Hired Work二、英译汉1.contract life 合同有效期2. a nice fat contract 一个很有利的合同3.an executor contract 尚待执行的合同4. a written contract书面合同5.breach of contract违反合同6.cancellation of contract撤消合同7.contract parties合同当事人8.contract period (or contract term) 合同期限9.contract price合约价格10.contract provisions/stipulations合同规定11.contract sales订约销售12.contract terms (or contract clause) 合同条款13.contract wages合同工资14.contract合同，订立合同15.contractor订约人，承包人16.contractual claim根据合同的债权17.contractual damage合同引起的损害18.contractual dispute合同上的争议19.contractual guarantee合同规定的担保20.contractual income合同收入21.contractual liability/obligation合同规定的义务22.contractual practice/usage合同惯例23.contractual specifications合同规定24.contractual terms & conditions合同条款和条件25.contractual合同的，契约的26.contractual-joint-venture合作经营，契约式联合经营27.copies of the contract合同副本28.originals of the contract合同正本29.execution of contract/performance of contract履行合同30.expiration of contract合同期满31.interpretation of contract解释合同32.renewal of contract合同的续订33. This contract is made in two originals that should be held by each party.此合同一式二份，由双方各持一正本。
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----------------------------------------------------------------------------------------------------------------------------------------- Contract No.: 2004-141000-Y21-00036859-9
Applicant: Zhou Yaqing
Name of Insured: Zhou Yaqing
Issuing Organization: Lin Fen Branch of China Life Insurance
Date of Issue: 24/07/2004 Signature of General Manager: Yang Yanlong
Insurance Piece
----------------------------------------------------------------------------------------------------------------------------------------- Contract No.: 2002-1410033-S42-000003718-9
Applicant: Zhou Yaqing
Name of Insured: Zhou Yaqing
Issuing Organization: Lin Fen Branch of China Life Insurance
Date of Issue: 24/07/2004 Signature of General Manager: Yang Yanlong
Insurance Piece
Insurance Contract of China Life Insurance Company Limited
----------------------------------------------------------------------------------------------------------------------------------------- Contract No.: 2004-141000-S42 -00036858-9
Applicant: Wei Yun
Name of Insured: Wei Yun
Issuing Organization: Lin Fen Branch of China Life Insurance
Date of Issue: 24/07/2004 Signature of General Manager: Yang Yanlong
Insurance Piece
----------------------------------------------------------------------------------------------------------------------------------------- Contract No.: 2004-141000-S77-00019401-0
Applicant: Wei Yun
Name of Insured: Zhou Rui
Issuing Organization: Lin Fen Branch of China Life Insurance
Date of Issue:06/04/2004 Signature of General Manager: Yang Yanlong
Insurance Piece
----------------------------------------------------------------------------------------------------------------------------------------- Contract No.: 2004-141000-S77-00019401-0
Applicant: Wei Yun
Name of Insured: Zhou Rui
Issuing Organization: Lin Fen Branch of China Life Insurance
Date of Issue:06/04/2004 Signature of General Manager: Yang Yanlong
Insurance Piece
----------------------------------------------------------------------------------------------------------------------------------------- Contract No.: 2004-141000-412-01501769-8
Applicant: Wei Yun
Name of Insured: Zhou Rui
Issuing Organization: Lin Fen Branch of China Life Insurance
Date of Issue: 03/01/2008 Signature of General Manager: Zhao Liye
Insurance Piece
----------------------------------------------------------------------------------------------------------------------------------------- Contract No.: 2004-141000-S43-00019520-7
Applicant: Wei Yun
Name of Insured: Zhou Rui
Issuing Organization: Lin Fen Branch of China Life Insurance
Date of Issue: 05/04/2004 Signature of General Manager: Yang Yanlong
Insurance Piece。