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建筑工程一切险及第三者责任险(中英文)
发布时间:2013-09-05
 
 
 
建筑工程一切险及第三者责任险
CONTRACTOR¢S ALL RISKS AND THIRD PARTY LIABILITY INSURANCE
请仔细阅读此保险单,以确定其是否满足你的需求
Please read this policy carefully and see that it meets your requirements
 
本保险单内容主要包括明细表、特别条款、责任范围、除外责任、赔偿处理、被保险人义务、总则等。本保险单还包括投保申请书及其附件,以及本公司今后以批单方式增加的内容。
 
鉴于本保险单明细表中列明的被保险人向皇家太阳联合保险公司上海分公司(以下简称 "本公司")提出书面投保申请和有关资料(该投保申请及资料被视作本保险单的有效组成部分),并同意向本公司缴付或已缴付了本保险单明细表中列明的保险费,本公司同意按本保险单的规定负责赔偿在本保险单明细表中列明的保险期限内被保险人的保险财产遭受的损坏或灭失,并特立本保险单为凭。
 
This Policy comprises mainly the Schedule, Special Provisions, Scope of Cover, Exclusions, Treatment of Claims, Insured's Obligations, and General Conditions, including also the Proposal of insurance together with its attachments as well as any additions to be made, from time to time, by the Company in the form of Endorsement.
 
WHEREAS THE INSURED named in the Schedule hereto has made to Royal & SunAlliance Insurance plc Shanghai Branch (hereinafter called "the Company") a written Proposal which together with any other statements made by the Insured, for the purpose of this Policy is deemed to be incorporated herein and agree to pay or has paid to the Company the premium stated in the Schedule.
 
NOW THIS POLICY OF INSURANCE WITNESSES that subject to the terms and conditions contained herein or endorsed hereon the Company shall Indemnify the Insured for the loss or damage sustained or legal liability incurred to any third party by the Insured during the period of insurance stated in the Schedule in the manner and to the extent hereinafter provided.
 
 
 
 
 
 
                                                                                               皇家太阳联合保险公司上海分公司
                                                                                               Royal & SunAlliance Insurance plc
                                                                                                              Shanghai Branch
 

上海市浦东新区银城东路101号
汇丰大厦9楼
邮编:200120
9th Floor, HSBC Tower,
101 Yin Cheng East Road, Pudong,
Shanghai 200120, PRC
电话 Tel: (86-21)6841 1999
传真 Fax: (86-21)6841 2700
 

 
 

                                                                                                    _______________________
                                                                                                  授权签字 Authorised Signature

一、第一部分  物质损失
(一)责任范围
1.         在本保险期限内,若本保险单明细表中分项列明的保险财产在列明的工地范围内,因本保险单除外责任以外的任何自然灾害或意外事故造成的物质损坏或灭失(以下简称"损失"),本公司按本保险单的规定负责赔偿。
2.         对经本保险单列明的因发生上述损失所产生的费用,本公司亦可负责赔偿。
3.         本公司对每一保险项目的赔偿责任均不得超过本保险单明细表中对应列明的分项保险金额以及本保险单特别条款或批单中规定的其他适用的赔偿限额。
但在任何情况下,本公司在本保险单项下承担的对物质损失的最高赔偿责任不得超过本保险单明细表中列明的总保险金额。
定义
自然灾害:指地震、海啸、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或人身伤亡的突发性事件,包括火灾和******。
 
(二)除外责任
本公司对下列各项不负责赔偿:
1.         设计错误引起的损失和费用;
2.         自然磨损、内在或潜在缺陷、物质本身变化、自燃、自热、氧化、锈蚀、渗漏、鼠咬、虫蛀、大气(气候或气温)变化、正常水位变化或其他渐变原因造成的保险财产自身的损失和费用;
3.         因原材料缺陷或工艺不善引起的保险财产本身的损失以及为换置、修理或矫正这些缺点错误所支付的费用;
4.         非外力引起的机械或电气装置的本身损失,或施工用机具、设备、机械装置失灵造成的本身损失;
5.         维修保养或正常检修的费用;
6.         档案、文件、帐簿、票据、现金、各种有价证券、图表资料及包装物料的损失;
7.         盘点时发现的短缺;
8.         领有公共运输行驶执照的,或已由其他保险予以保障的车辆、船舶和飞机的损失;
9.         除非另有约定,在保险工程开始以前已经存在或形成的位于工地范围内或其周围的属于被保险人的财产的损失;
10.     除非另有约定,在本保险单保险期限终止以前,保险财产中已由工程所有人签发完工验收证书或验收合格或实际占有或使用或接收的部分。
 
二、第二部分 第三者责任险
(一)责任范围
1.         在本保险期限内,因发生与本保险单所承保工程直接相关的意外事故引起工地内及邻近区域的第三者人身伤亡、疾病或财产损失,依法应由被保险人承担的经济赔偿责任,本公司按下列条款的规定负责赔偿。
2.         对被保险人因上述原因而支付的诉讼费用以及事先经本公司书面同意而支付的其他费用,本公司亦负责赔偿。
3.         本公司对每次事故引起的赔偿金额以法院或政府有关部门根据现行法律裁定的应由被保险人偿付的金额为准。
但在任何情况下,每次事故以上各项赔款之总和均不得超过本保险单明细表中对应列明的每次事故赔偿限额。在本保险期限内,本公司在本保险单项下对上述经济赔偿的最高赔偿责任不得超过本保险单明细表中列明的累计赔偿限额。
 
(二)除外责任
本公司对下列各项不负责赔偿:
1.         本保险单物质损失项下或本应在该项下予以负责的损失及各种费用;
2.         由于震动、移动或减弱支撑而造成的任何财产、土地、建筑物的损失及由此造成的任何人身伤害和物质损失;
3.         工程所有人、承包人或其他关系方或他们所雇用的在工地现场从事与工程有关工作的职员、工人以及他们的家庭成员的人身伤亡或疾病;
4.         工程所有人、承包人或其他关系方或他们所雇用的职员、工人所有的或由其照管、控制的财产发生的损失;
5.         领有公共运输行驶执照的车辆、船舶、飞机造成的事故;
6.         被保险人根据与他人的协议应支付的赔偿或其他款项,但即使没有这种协议,被保险人仍应承担的责任不在此限。
三、总除外责任
在本保险单项下,本公司对由下列各项直接或间接引起的或由其他保险承保的损失不负责赔偿:
(一)
1.         战争、类似战争行为、敌对行为、******冲突、恐怖活动、谋反、政变引起的任何损失、费用和责任;
2.         政府命令或任何公共当局的没收、征用、销毁或毁坏;
3.         罢工、暴动、民众骚动引起的任何损失、费用和责任;
(二)被保险人及其代表的故意行为或重大过失引起的任何损失、费用和责任;
(三)核裂变、核聚变、核武器、核材料、核辐射及放射性污染引起的任何损失、费用和责任;
(四)大气、土地、水污染及其他各种污染引起的任何损失、费用和责任;
(五)工程部分停工或全部停工引起的任何损失、费用和责任;
(六)罚金、延误、丧失合同及其他后果损失;
(七)保险单明细表或有关条款中规定的应由被保险人自行负担的免赔额。
 
四、保险金额
(一)本保险单明细表中列明的保险金额应不低于:
1.         建筑工程------保险工程建筑完成时的总价值,包括原材料费用、设备费用、建造费、安装费、运输费、保险费、关税、其他税项和费用,以及由工程所有人提供的原材料和设备的费用;
2.         施工用机器、装置和机械设备-----重置同型号、同负载的新机器、装置和机械设备所需的费用;
3.         其他保险项目-----
由被保险人与本公司商定的金额。
(二)若被保险人是以保险工程合同规定的工程概算总造价投保,被保险人应:
1.         在本保险项下工程造价中包括的各项费用因涨价或升值原因而超出原保险工程造价时,必须尽快以书面通知本公司,本公司据此调整保险金额和保费;
2.         在保险期限内对相应的工程细节作出精确记录,并允许本公司在合理的时候对该项记录进行查验;
3.         若保险工程的建造期超过三年,必须从保险单生效日起每隔十二个月向本公司申报当时的工程实际投入金额及调整后的工程总造价,本公司将据此调整保险费;
4.         在本保险单列明的保险期限届满后三个月内向本公司申报最终的工程总价值,本公司据此以多退少补的方式对预收保险费进行调整。
否则,针对以上各条,本公司将视为保险金额不足,一旦发生本保险责任范围内的损失时,本公司将根据本保险单总则中第(六)款的规定对各种损失按比例赔偿。
 
五、保险期限
(一)建筑期物质损失及第三者责任保险
1.         本公司的保险责任自保险工程在工地动工或用于保险工程的材料、设备运抵工地之时起始,至工程所有人对部分或全部工程签发完工验收证书或验收合格,或工程所有人实际占有或使用或接收该部分或全部工程之时终止,以先发生者为准。但在任何情况下,建筑期保险期限的起始或终止不得超出本保险单明细表中列明的建筑期保险生效日或终止日。
2.         不论安装的保险设备的有关合同中对试车和考核期如何规定,本公司仅在本保险单明细表中列明的试车和考核期限内对试车和考核所引发的损失、费用和责任负责赔偿;若保险设备本身是在本次安装前已被使用过的设备或转手设备,则自其试车之时起,本公司对该项设备的保险责任即行终止。
3.         上述保险期限的展延,须事先获得本公司的书面同意,否则,从本保险单明细表中列明的建筑期保险期限终止日起至保证期终止日止期间内发生的任何损失、费用和责任,本公司不负责赔偿。
(二)保证期物质损失保险
保证期的保险期限与工程合同中规定的保证期一致,从工程所有人对部分或全部工程签发完工验收证书或验收合格,或工程所有人实际占有或使用或接收该部分或全部工程时起算,以先发生者为准。但在任何情况下,保证期的保险期限不得超出本保险单明细表中列明的保证期。
 
六、赔偿处理
(一)对保险财产遭受的损失,本公司可选择支付赔款或以修复、重置受损项目的方式予以赔偿,但对保险财产在修复或重置过程中发生的任何变更、性能增加或改进所产生的额外费用,本公司不负责赔偿。
(二)在发生本保险单物质损失项下的损失后,本公司按下列方式确定赔偿金额:
1.         可以修复的损失----以将保险财产修复至其基本恢复受损前状态的费用扣除残值后的金额为准。
但若修复费用等于或超过保险财产损失前的价值时,则按下列第2项的规定处理;
2.         全部损失或推定全损----以保险财产损失前的实际价值扣除残值后的金额为准,但本公司有权不接受被保险人对受损财产的委付;
3.         发生损失后,被保险人为减少损失而采取必要措施所产生的合理费用,本公司可予以赔偿,但保险人的所有赔偿以保险财产的保险金额为限。
(三)本公司赔偿损失后,由本公司出具批单将保险金额从损失发生之日起相应减少,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,应按约定的保险费率加缴恢复部分从损失发生之日起至保险期限终止之日止按日比例计算的保险费。
(四)在发生本保险单第三者责任项下的索赔时:
1.         未经本公司书面同意,被保险人或其代表对索赔方不得作出任何责任承诺或拒绝、出价、约定、付款或赔偿。在必要时,本公司有权以被保险人的名义接办对任何诉讼的抗辩或索赔的处理;
2.         本公司有权以被保险人的名义,为本公司的利益自付费用向任何责任方提出索赔的要求。未经本公司书面同意,被保险人不得接受责任方就有关损失作出的付款或赔偿安排或放弃对责任方的索赔权利,否则,由此引起的后果将由被保险人承担;
3.         在诉讼或处理索赔过程中,本公司有权自行处理任何诉讼或解决任何索赔案件,被保险人有义务向本公司提供一切所需的资料和协助。
(五)被保险人的索赔期限,从损失发生之日起,不得超过两年。
 
七、被保险人的义务
被保险人及其代表应严格履行下列义务:
(一)在投保时,被保险人及其代表应对投保申请书中列明的事项以及本公司提出的其他事项作出真实、详尽的说明或描述;
(二)被保险人及其代表应根据本保险单明细表和批单中的规定按期缴付保险费;
(三)在本保险期限内,被保险人应采取一切合理的预防措施,包括认真考虑并付诸实施本公司代表提出的合理的防损建议,谨慎选用施工人员,遵守一切与施工有关的法规和安全操作规程,由此产生的一切费用,均由被保险人承担;
(四)在发生引起或可能引起本保险单项下索赔的损失时,被保险人及其代表应:
1.         立即通知本公司,并在七天或经本公司书面同意延长的期限内以书面报告提供事故发生的经过、原因和损失程度;
2.         采取一切必要措施防止损失的进一步扩大并将损失减少到最低程度;
3.         在本公司的代表或检验师进行勘查之前,保留事故现场及有关实物证据;
4.         在保险机器遭受盗窃或恶意破坏时,立即向公安部门报案;
5.         在预知可能引起诉讼时,立即以书面形式通知本公司,并在接到法院传票或其他法律文件后,立即将其送交本公司;
6.         根据本公司的要求提供作为索赔依据的所有证明文件、资料和单据。
(五)若在某一保险财产中发现的缺陷表明或预示类似缺陷亦存在于其他保险财产中时,被保险人应立即自付费用进行调查并纠正该缺陷。否则,由类似缺陷造成的一切损失应由被保险人自行承担。
 
八、总则
(一)保单效力
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任的先决条件。
(二)保单无效
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,则本保险单无效。如自保单生效日起三十天内仍未支付保险费,则本保险单自生效日起失效。
(三)保单终止
除非经本公司书面同意,本保险单将在下列情况下自动终止:
被保险人丧失保险利益;
承保风险扩大。
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。
(四)权益丧失
如果任何索赔含有虚假成分,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得利益,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,应由被保险人负责赔偿。
(五)合理查验
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对被保险人的任何承
诺。
(六)比例赔偿
在发生本保险物质损失项下的损失时,若受损的保险财产的分项或总保险金额低于对应的应保保险金额(重置价,见四保险金额),其差额部分视为被保险人所自保,本公司则按本保险单明细表中列明的保险金额与应保保险金额的比例负责赔偿。
(七)重复保险
本保险单负责赔偿损失、费用或责任时,若另有其他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任。
(八)权益转让
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,并协助本公司向责任方追偿。
(九)争议处理
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(中华人民共和国境内)。

I. SECTION I - MATERIAL DAMAGE
Scope of Cover
1.1.    The Company shall indemnify the Insured in respect of the physical loss of or damage to the property insured during the period of insurance within the specified work site arising from any NATURAL HAZARDS or ACCIDENT other than those specifically excluded, in the manner and to the extent hereinafter provided.
1.2.    The Company shall also indemnify the Insured for the necessary cost which if chosen must be specified in the Schedule and incurred following upon an indemnified event giving rise to a claim under this Policy.
1.3.    The liability of the Company in respect of each item insured shall not exceed the sum specified in the Schedule, nor the limit of indemnity specified in the Special Provisions or Endorsements where applicable. But in no case shall the maximum liability of the Company in respect of material damage under this section exceed the total sum insured specified in the Schedule.
 
DEFINTIONS
The words "NATURAL HAZARDS" shall for the purpose of this Policy, mean earthquake, tsunami, thunder-and-lightning, hurricane, typhoon, tornado, storm, tempest, flood, inundation, frost, hailstorm, landslide, rockslide, avalanche, volcanic explosion, subsidence of ground and any other phenomena of nature with strong destructive power and beyond human control.
The Word "ACCIDENT" shall for the purpose of this Policy mean any unforeseen, uncontrollable and sudden occurrence event which leads to material damage or bodily injury, including fire and explosion.
 
Exclusions
The Company shall not be liable for:
2.1    loss or damage or expenses arising from faulty design;
2.2     loss of or damage to the insured items themselves or expenses arising therefrom due to wear and tear, inherent or latent defect, change in substance, spontaneous combustion, natural heating, oxidation, rust and corrosion, leakage, mice, insects or vermin, change in atmosphere (climatic or temperature) conditions, change in normal water level or any other progressively operating cause;
2.3     loss of or damage to the insured property itself due to defective material or bad workmanship and expenses incurred for replacing, repairing or rectifying such defects or mistakes;
2.4     loss of or damage to the insured mechanical or electrical devices not due to exterior forces; loss or damage due to breakdown or derangement of engineering tools, equipment or mechanical devices:
2.5     expenses of maintenance or upkeep or normal overhaul;
2.6     loss of or damage to files, documents, account books, bills, cash, securities, charts, data and packing materials;
2.7     shortage discovered at the time of taking an inventory;
2.8     loss of or damage to vehicles, ships or aircrafts licensed for general transport use or having been covered by any other insurance;
2.9     unless otherwise agreed by the Company in writing loss of or damage to the property belonging to the Insured which is existing or formed within or in the vicinity of the site before the commencement of the contract work;
2.10  unless otherwise agreed by the Company in writing loss of or damage to any part or parts of the property insured for which a certificate of completion has been issued or which have been tested after completion or actually occupied or put into service or taken over by the Principal before the expiry date of this Policy.
 
II. SECTION II - THIRD PARTY LIABILITY
1.         Scope of Cover
1.1     The Company shall in the manner hereinafter provided indemnify the Insured against such sums which the Insured shall become legally liable to pay as damages in respect of death of or bodily injury to or illness of third parties, or loss of or damage to property belonging to third parties in consequence of an accident occurring in direct connection with the performance of the contract work insured and happening on or in the vicinity of the site during the period of insurance;
1.2    In respect of any claim covered under this Section the Company shall in addition indemnify the Insured against the relevant legal costs payable by the Insured and other expenses incurred with the prior written consent of the Company;
1.3    The indemnification made by the Company for any one accident shall be subject to the amounts to be payable by the Insured which are decided in accordance with the law by the court or the governmental department concerned.
Provided always that the liability of the Company under this section shall in no case exceed the limits of indemnity for any one accident stated in the Schedule, and during the whole period of insurance, the maximum liability of the Company under this section shall in no case exceed the limit of indemnity in aggregate as stated in the Schedule.
 
2.         Exclusions
The Company shall not be liable for:
2.1     loss or damage and expenses covered or coverable under Section I of this Policy;
2.2     loss of or damage to any property, land or structure caused by vibration or by removal or weakening of supports and injury or damage to any person or property occasioned by or resulting from any such loss or damage.
2.3     liability arising from
2.3.1 death of or bodily injury to or illness of the Principal(s) or the Contractor(s) or any other party(ies) or their employees or workmen engaged in connection with the contract work on the site, or members of their families;
2.3.2 loss of or damage to property belonging to or held in care, custody or control of the Principal(s) or the Contractor(s) or any other party(ies) concerned or their employees or workmen;
2.3.3 any accident caused by vehicles, ships or aircrafts licensed for general transport use;
2.3.4 indemnification or payment made by the Insured in accordance with any agreement between the Insured and other parties, unless such liability would have been attached to the Insured notwithstanding such agreement;
 
III.   GENERAL EXCLUSIONS
1.      The Company shall not indemnify the Insured under this Policy in respect of loss, damage, expenses, or liability directly or indirectly caused by or arising out of or aggravated by or having covered by any other insurance:
1.1   war, warlike operation, hostilities, armed conflicts, terrorism, conspiracy insurrection, coup d'etat;
1.2   confiscation, requisition, destruction or damage by any action or order of any government de jure or de facto or by any public authorities;
1.3   strike, riot, civil commotion;
2.      intentional act or gross negligence of the Insured or his representative;
3.      nuclear fission, nuclear fusion, nuclear weapon, nuclear material, nuclear radiation and radioactive contamination;
4.      pollution of any kind or description whatsoever such as atmosphere, land and water pollutions;
5.      cessation of work whether total or partial;
6.      consequential loss of any kind or description whatsoever including penalties, losses due to delay or loss of contract;
7.      the deductibles stated in the Schedule to be borne by the Insured.
 
IV.    SUM INSURED
1.     It is a basic requirement of this insurance that the sums insured stated in the Schedule shall not be less than:
1.1   For erection work - the full value of the insured project at the completion of the construction including cost of equipments, materials, construction and erection freight and premium, customs duty, any other dues and expenses, and the cost of materials or equipments supplied by the Principal;
1.2   For construction plant and equipment the replacement cost of the insured items by new ones of the same size and capacity;
1.3      For other Items Insured the sums agreed upon between the Insured and the Company.
2.     If the sum insured in respect of contract work is based on the estimated contract value stated in the construction contract, the Insured shall:
2.1   immediately notify the Company in writing if the contract value including all expenses under this insurance exceeds the original insurance contract value due to rise in price or increment, and the Company shall then adjust the sum insured and premium accordingly;
2.2   keep a precise record in writing on the particulars of the work concerned during the period of insurance and allow the representative of the Company to inspect and examine such record at any reasonable time;
2.3   if the construction period of the insured project is longer than thirty-six (36) months, declare to the Company at an interval of every twelve (12) months from the inception date of the Policy, the actual amount of fund put into the project by the time of declaration as well as the new estimate contract value, if it is revised the Company shall adjust the premium accordingly;
2.4   provide the Company with the actual final contract value within three (3) months after the expiry date of this insurance, and any difference between the premium paid in advance and that payable shall be paid to or refunded by the Company as the case may be.
Otherwise the Company shall take it that the Sums Insured are less than the amounts required to be insured and in case of loss or damage, falling within the scope of cover, the indemnification shall be made proportionately according to the Provision (6) of the General Conditions of this Policy.
 
V.     PERIOD OF INSURANCE
1.     Material Damage and Third Party Liability Insurance during the Construction Period.
1.1   The liability of the Company shall commence notwithstanding any date to the contrary specified in the Schedule, directly upon commencement of the project or after the unloading of the insured materials or equipments at the site and shall expire immediately after a certificate of completion has been issued for part or whole of the insured project or part or whole of the insured project has been tested after completion or actually occupied or put into service or taken over by the Principal, whichever is the earlier.  In no case shall the effective date be earlier or expiry date be later respectively than both dates specified in the Schedule.
1.2   Notwithstanding anything to the contrary contained in the contract concerned, the Company shall only be liable for loss or damage, expenses and liability caused or incurred by testing or commissioning arising during the testing or commissioning period stated in the Schedule.  In the case of using second-hand items or equipments, the insurance to such items shall, however, cease immediately on the commencement of the test.
1.3   Any extensions of the period of insurance shall be subject to the Company's prior consent in writing. Otherwise, the Company shall not be liable for any loss or damage, expense and liability arising during the period from the expiry date of the construction period stated in the Schedule to the expiry date of the maintenance period specified.
2.     Material Damage Insurance during the Maintenance Period.
The period of insurance being subject to the maintenance period specified in the insured contract, shall commence at the time when a certificate of completion has been issued for part or parts of the insured project or part or parts of the insured project have been tested after completion or actually occupied or put into service or taken over by the Principal, whichever is the earlier. It is however provided that, under no circumstances shall such period go beyond the maintenance period stated in the Schedule.
 
VI.    TREATMENT OF CLAIM
1.     The Company shall, at its option, indemnify the Insured in respect of loss of or damage to the insured property either by way of payment in cash or by way of repair or replacement of the items lost or damaged; nevertheless, the extra cost of any alterations, additions or improvements occurring in the course of repair or replacement shall not be recoverable under this Policy.
2.     In case of any loss or damage recoverable and the Section I of the Policy, the Company shall ascertain the amount of indemnity on the following basis:
2.1   In case of damage which can be repaired, the Company shall pay the cost of repairs necessary to restore the damaged item to its nearest condition immediately preceding the damage after deducting the salvage value.  If, however, the cost of repairs equals or exceeds the value of the item immediately before the occurrences of the damage, the settlement shall be made according to the provisions 2.2.
2.2   In case of a total or constructive total loss, the Company shall pay the amount of the actual value of the insured items immediately before the occurrence of the loss after deducting the salvage value. However, the Company may, at its option, decline the abandonment of any damaged property by the Insured.
2.3   In the event of any loss occurrence, the Company shall also pay the Insured for the expenses reasonably incurred for taking necessary measures to minimise loss or damage to the least extent, but in no case shall the total such expenses referred hereto exceed the sum insured of the insured property.
3.     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.
4.     In the event of any claim recoverable under the Section II of this Policy.
4.1   no admission, rejection, offer, promise, payment or indemnity shall be made or given by or on behalf of the Insured or his representative without the written consent of the Company.  And the Company shall be entitled, if it so desires, to take over and conduct in the name of the Insured the defence or settlement of any claim;
4.2   the Company shall be entitled at its own expense and for its own benefit, to prosecute in the name of the Insured any claim for indemnity against any persons.  Without the written consent of the Company, the Insured shall not accept the payment or arrangement of indemnity in respect of the loss or damage offered by any party held responsible for such loss or damage and shall not abandon the right of recovery from such party, otherwise, the Insured shall be liable for any consequence arising therefrom;
4.3   the Company shall have full discretion to conduct any proceedings or settle any claim, and the Insured shall give all such information and assistance as the Company may require.
5.     The time of validity of a claim under this insurance shall not exceed a period of two years counting from the date of loss.
 
VII.  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 Endorsement.
3.     During the period of 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 relative to the performance of the project insured.
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 minimise 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   inform the Public Security Bureau immediately in case of loss or damage due to theft or burglary or malicious acts;
4.5   immediately give notice to the Company in writing whenever having knowledge of any impending prosecution in connection with any accident for which there may be liability under this Policy, and forward to the Company every letter writ, summons or process or other court documents on receipt thereof;
4.6   furnish all such information and documentary evidence as the Company may require for supporting the claim.
5.     If discovery of a defect in any property item or equipment the insured shall indicate or suggest that similar defect exists in other property insured, the Insured shall, at his own expenses, investigate and rectify forthwith the defect in such other property. Otherwise, all loss or damage arising out of the said defect shall be borne by the Insured.
 
VIII.GENERAL CONDITIONS
1.     Policy Effect
The due observance and fulfillment 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 nondisclosure made by the Insured or his representative in any material particular in respect of this insurance. Unless the premium stated in the schedule is paid /received within 30 days from inception of this policy, the contract will be regarded as void.
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.     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.
5.     Reasonable Inspection
The representative of the Company shall at any suitable time be entitled to attend the site and inspect or examine the risk exposure 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.
6.     Average
If, in the event of loss or damage recoverable under Section I, it is found that the sums insured in respect of each item insured or total items are less than the amounts (replacement values)as  required to be insured (see Section IV), then the difference shall be regarded as self-insured by the Insured and the Company shall only be liable to pay such proportion of the claim as the sum insured of the damaged item bears to the amount required to be insured.
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 pursing 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 within the P.R.C.
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