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财产保险合同格式(涉外)(附英文),
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
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，财产保险合同格式(涉外)(附英文)
