大地-财产一切险条款(中英文)

财产一切险条款经被保险人特别申请，并经本公司书面同意，下列物品及费用经专业人员或公估部门鉴在本保险期限内，若本保险单明细表中列明的保险财产因自然灾害或意外事故造成的直定义：自然灾害：指雷电、飓风、台风、龙卷风、风暴、暴雨、洪水、水灾、冻灾、冰雹、地崩、山崩、雪崩、火山爆发、地面下陷下沉及其他人力不可抗拒的破坏力强大的自然现象。意外事故：指不可预料的以及被保险人无法控制并造成物质损失的突发性事件，包括火和费用；、谋反、政变、罢1.2.3.算；市价高于保险金额时，赔偿按保险金额与市价的比例计算。如本保险所载项目不止一项项并且不退还保险金额减少部分的保险费。如被保险人要求恢复至原保险金额，应按约定的保被保险人1.以书面报告提供事故2.3.4.5.被保险人严格地遵守和履行本保险单的各项规定，是本公司在本保险单项下承担赔偿责如果被保险人或其代表漏报、错报、虚报或隐瞒有关本保险的实质性内容，则本保险无1.2.本保险单终止后，本公司将按日比例退还被保险人本保险单项下未到期部分的保险费。被保险人可随时书面申请注销本保险单，本公司亦可提前十五天通知被保险人注销本保险单。对本保险单已生效期间的保险费，前者本公司按短期费率计收，后者按日比例计收。如果任何索赔含有虚假成份，或被保险人或其代表在索赔时采取欺诈手段企图在本保险单项下获取利益，或任何损失是由被保险人或其代表的故意行为或纵容所致，被保险人将丧失其在本保险单项下的所有权益。对由此产生的包括本公司已支付的赔款在内的一切损失，本公司的代表有权在任何适当的时候对保险财产的风险情况进行现场查验。被保险人应提供一切便利及本公司要求的用以评估有关风险的详情和资料。但上述查验并不构成本公司本保险单负责赔偿损失、费用或责任时，若另有其它保障相同的保险存在，不论是否由被保险人或他人以其名义投保，也不论该保险赔偿与否，本公司仅负责按比例分摊赔偿的责若本保险单项下负责的损失涉及其他责任方时，不论本公司是否已赔偿被保险人，被保险人应立即采取一切必要的措施行使或保留向该责任方索赔的权利。在本公司支付赔款后，被保险人应将向该责任方追偿的权利转让给本公司，移交一切必要的单证，并协助本公司向被保险人与本公司之间的一切有关本保险的争议应通过友好协商解决。如果协商不成，可申请仲裁或向法院提出诉讼。除事先另有协议外，仲裁或诉讼应在被告方所在地进行。下列特别条款适用于本保险单的各个部分，若其与本保险单的其他规定相冲突，则以下列特别条款为准。PROPERTYALLRISKSINSURANCECLAUSESⅠ.THEPROPERTYINSUREDThepropertyinsuredshallrefertoallpropertiesandexpensesspecifiedintheScheduleofthisPolicy.UnlessspecificallyagreeduponinwritingbetweentheInsuredandtheCompanyandappraisedandvalue-establishedbyprofessionalsorassessors,thefollowingarticlesandtheexpensesrelevanttheretoshallnotbecoveredunderthisPolicy:1.gold,silver,pearls,diamonds,preciousstonesandjades;2.antiques,articlesofvirtue,ancientcoins,ancientbooksandancientpaintings;3.worksofartorpostagestamps;4.advertisements,aerials,neon,piecesofsolarenergyapparatusetc.onbuildings;5.computersystemrecordsoritsmakingandcopyingcosts;Undernocircumstancesshallthefollowingarticlesrelevanttheretobecoveredhereunder:1.guns,ammunitionorexplosives;2.banknotes,securities,bills,documents,files,accountbooksordrawings;3.animals,plantsandagriculturalcrops;4.mobilephones,portablecomputers,removablephotographapparatusorotherpreciousarticles;5.vehicleslicensedforgeneraltransportuse.Ⅱ.COVERAGETheCompanyshallindemnifytheInsuredinrespectofthephysicallossofordamagetotheinsuredpropertystatedintheSchedule,duringtheperiodofinsurancearisingfromanyNATURALHAZARDSorACCIDENTotherthanthosespecificallyexcluded,inthemannerandtotheextenthereinafterprovided.DEFINITIONSThewords“NATURALHAZARDS”shallforthepurposeofthisPolicy,meanthunder-and-lightning,hurricane,typhoon,tornado,storm,tempest,flood,inundation,frost,hailstorm,landslide,rockslide,avalanche,volcanicexplosion,subsidenceofgroundandanyotherphenomenaofnaturewithstrongdestructivepowerandbeyondhumancontrol.TheWord“ACCIDENT”shallforthepurposeofthisPolicy,meananyunforeseen,uncontrollableandsuddeneventwhichleadstomaterialdamage,includingfireandexplosion.Ⅲ.EXCLUSIONSTheCompanyshallnotbeliablefor:1.lossofordamagetothepropertyinsuredandexpensesarisingfromfaultydesign,defectivematerial,orbadworkmanship;2.lossofordamagetotheinsureditemsthemselvesorexpensesarisingtherefromduetowearandtear,inherentorlatentdefect,changeinsubstance,spontaneouscombustion,naturalheating,oxidation,rustandcorrosion,leakage,mice,insectsorvermin,changeinatmosphere（climaticortemperature）conditions,changeinnormalwaterleveloranyotherprogressivelyoperatingcause;3.lossofordamagetothemechanicalorelectricaldevicesnotduetoexteriorforces;4.lossofordamagetosteamboilers,steampipes,orotherpressurevesselmachinesorapparatusthemselvesduetotheirexplosion;5.lossofordamagetoelectricalormechanicalequipmentcausedbyfaultyoperationordefectivetechnologyonthepartoftheInsuredoranyofhisemployee（s）;6.shortagediscoveredatthetimeoftakinganinventory;7.depreciation,lossofmarket,lossofuseandotherconsequentiallossofanydescription;8.lossofordamagetotheinsuredpropertycausedbywind,frost,rainwater,snow,flood,hailstorm,ordustwhilebeingstoredintheopenorcoveredbyorunderashedthatchedwithreeds,tarpaulins,straw,asphaltfelt,plasticornylonsheet;9.lossofordamagetotheinsuredpropertycausedorexpenseincurredbyearthquakeortsunami;10.lossofordamagetotheinsuredpropertycausedorexpensesincurredbyintentionalactorgrossnegligenceoftheInsuredorhisrepresentative,andburglarybyInsured’sfamilymemberorrelativesoremployees;11.lossofordamagetotheinsuredpropertycausedbyfailureofpublicutilities,suchas:electricity,gasorwatersupplyorotherenergysourcesexceptfailurecausedbyNATURALHAZARDSorACCIDENT;12.lossofordamagetotheinsuredpropertyorexpensesincurredarisingfromwar,warlikeoperation,hostilities,armedconflicts,terrorism,conspiracyinsurrection,coupd’etat,strike,riot,andcivilcommotion;13.confiscation,requisition,destructionordamagebyanyactionororderofanygovernmentdejureordefactoorbyanypublicauthorities;14.lossofordamagetoinsuredpropertydirectlyorindirectlycausedorexpensesincurredbynuclearfission,nuclearfusion,nuclearweapons,nuclearmaterials,nuclearradiationandradioactivecontamination;15.lossordamagecausedorexpensesincurredbypollutionofanykindordescriptionwhatsoeversuchasatmosphere,landandwaterpollutionbutthisdoesnotincludelossordamagecausedbypollutionarisingfromNATURALHARZARDSorACCIDENTS;16.the