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财产保险合同(英文),
property insurance clauses
whole doc.
i. the property insured
the property insured shall refer to all properties and expenses spe-
cified in the schedule of this policy.
unless specifically agreed upon in writing between the insured and the
company and appraised and value-established by professionals or assessors,
the following articles and the expenses relevant thereto shall not be
covered under this policy:
1. gold, silver, pearls, diamonds, precious stones and jades;
2. antiques, articles of virtue, ancient coins, ancient books and
ancient paintings;
3. works of art or postage stamps;
4. advertisements, aerials, neon, pieces of solar energy apparatus
etc. on buildings;
5. computer system records or its 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
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
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
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
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，财产保险合同(英文)
