标签：人身保险合同,保险合同样本,http://www.lexue88.com
财产保险合同格式(涉外)(附英文),
damaged or;
1.2 paying the necessary cost of repairing or restoring the damaged
property to its nearest condition immediately preceding the damage or;
1.3 repairing or restoring the damaged property to a condition near to
other property of like kind and quality.
2. Indemnity under this Policy shall be based upon the sound market
value of the property prevailing at the time of loss. If the sound market
value of the damaged property is lower than the sum insured of such
property, the claim shall be settled on its market value; If the sound
market value of the property is in excess of the sum insured, the Company
shall only be liable for such proportion of the claim as the sum insured
of the damaged property bears to its sound market value. If the insured
property enumerated in the Schedule is more than one item, the provision
of this clause shall apply to each thereof.
3. If a claim for loss of or damage to the insured item is settled on
a total loss basis, the salvage value of such item shall be deducted from
the indemnity payable by the Company. The Company may, at its option,
decline the abandonment of any damaged property by the Insured.
4. In the event of loss of or damage to any equipment item insured
forming part of a pair or set, the Company shall not be liable in respect
of each of such item lost or damaged for more than its proportionate part
of the sum insured on the complete pair or set.
5. In the event of any loss occurrence, the Company shall also pay the
Insured for the expenses reasonably incurred for taking necessary measures
to minimize loss or damage to the least extent, but in no case shall such
expenses referred hereto exceed the sum insured of the insured property.
6. Upon settlement of a claim, an endorsement shall be issued by the
Company to reduce the sum insured corresponding to the property lost or
damaged by the amount so settled from the date of loss, and no premium
shall be refunded for the amount so reduced. If reinstatement of the sum
insured is required by the Insured upon settlement of the claim, an
additional premium for the reinstated amount shall be charged at an agreed
rate, and be calculated on pro rata daily basis from the date of loss to
the expiry of the insurance.
7. The time of validity of a claim under this insurance shall not
exceed a period of two year counting from the date of loss.
V. INSURED'S OBLIGATIONS
The following Obligations shall be strictly fulfilled by the Insured
and his representative:
1. The Insured and his representative, when applying for insurance
shall make true answers or descriptions to the questions in the Proposal
and Questionnaire or to any other questions raised by the Company.
2. The Insured and his representative shall pay to the Company in due
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.
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