财产一切险投保申请书
本申请书由投保人如实和尽可能详尽地填写并签章后作为向承保人投保财产一切险的依据。本申请书为该财产一切险保险单的组成部分。
－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－
｜投保人： ｜
｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜
｜地址： ｜电话号码： ｜
｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜
｜保险财产地址： ｜
｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜
｜保险期限： 个月 自 至 中午１２时正 ｜
｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜
｜建筑情形及周围情况： ｜
｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜
｜保险财产使用性质： ｜
｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜
｜是否有警报系统或安全保卫系统： ｜
｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜
｜以往损失情况： ｜
｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜
｜费率： 保险费： ｜
｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜
｜ 项目号 ｜ 保险财产名称 ｜ 投保金额 ｜ 每次事故免赔额 ｜
｜－－－－－－－｜－－－－－－－－－－｜－－－－－－－－｜－－－－－－－－－－－｜
｜ ｜ ｜ ｜ ｜
｜－－－－－－－｜－－－－－－－－－－｜－－－－－－－－｜－－－－－－－－－－－｜
｜ ｜ ｜ ｜ ｜
｜－－－－－－－｜－－－－－－－－－－｜－－－－－－－－｜－－－－－－－－－－－｜
｜ ｜ ｜ ｜ ｜
｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜
｜ 如此处不够 请在背面填写。hetong.11665.com ｜
｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜
｜总保险金额： ｜
｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜
｜备注： ｜
｜ ｜
－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－
日期＿＿＿于＿＿＿投保人签章＿＿＿
财产保险合同(英文)
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 making 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 detat, 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. insureds 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
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 conditions
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 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.
3. policy termination
unless 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 cancellation
this 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 benefit
if the claim is in any respect fraudulent, or if any fraudulent 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 inspection
the 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 insurance
should 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. subrogation
where 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. dispute
all 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 provisions
the 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 policy
policy no.:
whereas the insured named in the schedule hereto has made to the
______ insurance company (hereinafter called ""the company"") a written
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 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 peoples republic of china.
10. special provisions:
property insurance policys schedule
_________ insurance company
财产保险基本险合同
保险单号码：
鉴于________(以下称被保险人)已向本公司投保财产保险基本险以及附加________险，并按本保险条款约定交纳保险费，本公司特签发本保险单并同意依照财产保险基本险条款和附加险条款及其特别约定条件，承担被保险人下列财产的保险责任。
－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－
｜ ｜ 投保标的项目 ｜以何种价值投保｜保险金额（元）｜费率（‰）｜保险费（元）｜
｜－｜－－－－－－－－｜－－－－－－－｜－－－－－－－｜－－－－－｜－－－－－－｜
｜ ｜ ｜ ｜ ｜ ｜ ｜
｜ ｜－－－－－－－－｜－－－－－－－｜－－－－－－－｜－－－－－｜－－－－－－｜
｜ ｜ ｜ ｜ ｜ ｜ ｜
｜ ｜－－－－－－－－｜－－－－－－－｜－－－－－－－｜－－－－－｜－－－－－－｜
｜ ｜ ｜ ｜ ｜ ｜ ｜
｜ ｜－－－－－－－－｜－－－－－－－｜－－－－－－－｜－－－－－｜－－－－－－｜
｜基｜ ｜ ｜ ｜ ｜ ｜
｜ ｜－－－－－－－－｜－－－－－－－｜－－－－－－－｜－－－－－｜－－－－－－｜
｜本｜ ｜ ｜ ｜ ｜ ｜
｜ ｜－－－－－－－－｜－－－－－－－｜－－－－－－－｜－－－－－｜－－－－－－｜
｜险｜ ｜ ｜ ｜ ｜ ｜ ｜
｜ ｜特约｜－－－－－｜－－－－－－－｜－－－－－－－｜－－－－－｜－－－－－－｜
｜ ｜ ｜ ｜ ｜ ｜ ｜ ｜
｜ ｜保险｜－－－－－｜－－－－－－－｜－－－－－－－｜－－－－－｜－－－－－－｜
｜ ｜ ｜ ｜ ｜ ｜ ｜ ｜
｜ ｜标的｜－－－－－｜－－－－－－－｜－－－－－－－｜－－－－－｜－－－－－－｜
｜ ｜ ｜ ｜ ｜ ｜ ｜ ｜
｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜
｜总保险金额（大写） （小写） ｜
｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜
｜ ｜ ｜ ｜ ｜ ｜ ｜
｜ ｜－－－－－－－－｜－－－－－－－｜－－－－－－－｜－－－－－｜－－－－－－｜
｜附｜ ｜ ｜ ｜ ｜ ｜
｜加｜－－－－－－－－｜－－－－－－－｜－－－－－－－｜－－－－－｜－－－－－－｜
｜险｜ ｜ ｜ ｜ ｜ ｜
｜ ｜－－－－－－－－｜－－－－－－－｜－－－－－－－｜－－－－－｜－－－－－－｜
｜ ｜ ｜ ｜ ｜ ｜ ｜
－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－
－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－
｜总保险费（大写） （小写） ｜
｜特别声明：发生保险事故时，被保险人未按约定交付保险费，本公司不负赔偿责任。 ｜
｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜
｜保险责任期限自 年 月 日零时起至 年 月 日二十四止 ｜
｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜
｜特别｜ ｜
｜约定｜ ｜
｜－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－｜
｜被保险人地址： ｜
｜ 电 话： ｜
｜ 邮政编码： 保险人：＿＿＿＿保险有限公司（盖章） ｜
｜ 行 业： 地 址： ｜
｜ 所有制： 邮 码： ｜
｜ 占用性质： 电 话： ｜
｜财产座落地址： 传 真： ｜
｜共 个地址： 年 月 日 ｜
｜ ｜
－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－－
经（副）理： 会计： 复核： 制单：
2.中保财产保险有限公司财产保险基本险条款
保险标的范围
第一条 下列财产可在保险标的范围以内：
(一)属于被保险人所有或与他人共有而由被保险人负责的财产；
(二)由被保险人经营管理或替他人保管的财产；
(三)其他具有法律上承认的与被保险人有经济利害关系的财产。
第二条 下列财产非经被保险人与保险人特别约定，并在保险单上载明，不在保险标的范围以内：
(一)金银、珠宝、钻石、玉器、首饰、古币、古玩、古书、古画、邮票、艺术品、稀有金属等珍贵财物；
(二)堤堰、水闸、铁路、道路、涵洞、桥梁、码头；
(三)矿井、矿坑内的设备和物资。
第三条 下列财产不在保险标的范围以内：
(一)土地、矿藏、矿井、矿坑、森林、水产资源以及未经收割或收割后尚未入库的农作物；
(二)货币、票证、有价证券、文件、帐册、图表、技术资料、电脑资料、枪支弹药以及无法鉴定价值的财产；
(三)违章建筑、危险建筑、非法占用的财产；
(四)在运输过程中的物资；
(五)领取执照并正常运行的机动车；
(六)牲畜、禽类和其他饲养动物。
保险责任
第四条 由于下列原因造成保险标的损失，保险人依照本条款约定负责赔偿：
(一)火灾；
(二)雷击；
(三)爆炸；
(四)飞行物体及其他空中运行物体坠落。
第五条 保险标的的下列损失，保险人也负责赔偿：
(一)被保险人拥有财产所有权的自用的供电、供水、供气设备因保险事故遭受损坏，引起停电、停水、停气以致造成保险标的直接损失；
(二)在发生保险事故时，为抢救保险标的或防止灾害蔓延，采取合理的必要的措施而造成保险标的损失。
第六条 保险事故发生后，被保险人为防止或者减少保险标的损失所支付的必要的合理的费用，由保险人承担。
责任免除
第七条 由于下列原因造成保险标的的损失，保险人不负责赔偿：
(一)战争、敌对行为、军事行动、武装冲突、罢工、暴动；
(二)被保险人及其代表的故意行为或纵容所致；
(三)核反应、核子辐射和放射性污染；
(四)地震、暴雨、洪水、台风、暴风、龙卷风、雪灾、雹灾、冰凌、泥石流、崖崩、滑坡、水暖管爆裂、抢劫、盗窃。
第八条 保险人对下列损失也不负责赔偿：
(一)保险标的遭受保险事故引起的各种间接损失；
(二)保险标的本身缺陷、保管不善导致的损毁，保险标的的变质、霉烂、受潮、虫咬、自然磨损、自然损耗、自燃、烘焙所造成的损失；
(三)由于行政行为或执法行为所致的损失。
第九条 其他不属于保险责任范围内的损失和费用。
保险金额与保险价值
第十条 固定资产的保险金额由被保险人按照帐面原值或原值加成数确定，也可按照当时重置价值或其他方式确定。
固定资产的保险价值是出险时重置价值。
第十一条 流动资产(存货)的保险金额由被保险人按最近12个月任意月份的帐面余额确定或由被保险人自行确定。
流动资产的保险价值是出险时帐面余额。
第十二条 帐外财产和代保管财产可以由被保险人自行估价或按重置价值确定。
帐外财产和代保管财产的保险价值是出险时重置价值或帐面余额。
赔偿处理
第十三条 保险标的发生保险责任范围内的损失，保险人按照保险金额与保险价值的比例承担赔偿责任，按以下方式计算赔偿金额：
(一)全部损失
保险金额等于或高于保险价值时，其赔偿金额以不超过保险价值为限；保险金额低于保险价值时，按保险金额赔偿。
(二)部分损失
保险金额等于或高于保险价值时，其赔偿金额按实际损失计算；保险金额低于保险价值时，其赔偿金额按保险金额与保险价值比例计算。
(三)若本保险单所载财产不止一项时，应分项按照本条款规定处理。
第十四条 发生保险事故时，被保险人所支付的必要、合理的施救费用的赔偿金额在保险标的损失以外另行计算，最高不超过保险金额的数额。若受损保险标的按比例赔偿时，则该项费用也按与财产损失赔款相同的比例赔偿。
第十五条 保险标的遭受损失后的残余部分，协议作价折归被保险人，在赔款中，作价折归被保险人的金额按第十四条所规定的比例扣除。
第十六条 被保险人向保险人申请赔偿时，应当提供保险单、财产损失清单、技术鉴定证明、事故报告书、救护费用发票以及必要的帐簿、单据和有关部门的证明，各项单证、证明必须真实、可靠，不得有任何欺诈。被保险人欺诈行为给保险人造成损失的，应当承担赔偿责任。保险人
收到单证后应当迅速审定、核实。
第十七条 因第三者对保险标的损害而造成保险事故的，保险人自向被保险人赔偿保险金之日起，在赔偿金额范围内代位行使被保险人对第三者请求赔偿的权利。
第十八条 保险标的遭受部分损失经保险人赔偿后，其保险金额应相应减少，被保险人需恢复保险金额时，应补交保险费，由保险人出具批单批注。保险当事人均可依法终止合同。
第十九条 若本保险单所保财产存在重复保险时，本保险人仅负按照比例分摊损失的责任。
被保险人义务
第二十条 投保人应当在保险合同生效前按约定交付保险费。
第二十一条 被保险人应当履行如实告知义务，如实回答保险人就保险标的或者被保险人的有关情况提出的询问。
第二十二条 被保险人应当遵照国家有关部门制定的保护财产安全的各项规定，对安全检查中发现的各种灾害事故隐患，在接到安全主管部门或保险人提出的整改通知书后，必须认真付诸实施。
第二十三条 在保险合同有效期内，如有被保险人名称变更、保险标的占用性质改变、保险标的地址变动、保险标的危险程度增加、保险标的的权利转让等情况，被保险人应当事前书面通知保险人，并根据保险人的有关规定办理批改手续。
第二十四条 保险标的遭受损失时，被保险人应当积极抢救，使损失减少至最低程度，同时保护现场，并立即通知保险人，协助查勘。
第二十五条 被保险人如果不履行第二十条至二十四条约定的各项义务，保险人有权拒绝赔偿，或从解约通知书送达15日后终止保险合同。
其他事项
第二十六条 被保险人与保险人之间因本保险事宜发生争执，可通过协商解决，协商不成，按( )项解决：(1)申请仲裁机关仲裁，(2)向人民法院提起诉讼。
第二十七条 凡涉及本保险的约定均采用书面形式。 [来源：https://hetong.11665.com/hetong/baoxian/201203/5819.html ]