财产保险合同范本(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

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;

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