日本财产保险(中国)有限公司国内水路、陆路货物运输保险条款INSTITUTE CARGO CLAUSES (AIR)条款

中国人寿财产保险股份有限公司国内水路、陆路货物运输保险条款总则第一条 为使保险货物在水路、铁路、公路和联运运输中，因遭受保险责任范围内的自然灾害或意外事故所造成的损失能够得到经济补偿，并加强货物的安全防损工作，以利商品生产和商品流通，特举办保险。

保险责任第二条 本保险分为基本险和综合险两种。

保险货物遭受损失时，保险人按承保险别的责任范围负赔偿责任。

（一）基本险1．因火灾、爆炸、雷电、冰雹、暴风、暴雨、洪水、地震、海啸、地陷、崖崩、滑坡、泥石流所造成的损失；2．由于运输工具发生碰撞、搁浅、触礁、倾覆、沉没、出轨或隧道、码头坍塌所造成的损失；3．在装货、卸货或转载时因遭受不属于包装质量不善或装卸人员违反操作规程所造成的损失；4．按国家规定或一般惯例应分摊的共同海损的费用；5．在发生上述灾害、事故时，因纷乱而造成货物的散失及因施救或保护货物所支付的直接合理的费用。

（二）综合险本保险除包括基本险责任外，保险人还负责赔偿：1．因受震动、碰撞、挤压而造成货物破碎、弯曲、凹瘪、折断、开裂或包装破裂致使货物散失的损失；2．液体货物因受震动、碰撞或挤压致使所用容器（包括封口)损坏而渗漏的损失，或用液体保藏的货物因液体渗漏而造成保藏货物腐烂变质的损失；3．遭受盗窃或整件提货不着的损失；4．符合安全运输规定而遭受雨淋所致的损失。

除外责任第三条 由于下列原因造成保险货物的损失，保险人不负赔偿责任：（一）战争或军事行动；（二）核事件或核爆炸；（三）保险货物本身的缺陷、自然损耗，以及货物包装不善；（四）被保险人的故意行为或过失；（五）全程是公路货物运输的，盗窃和整件提货不着的损失；（六）其他不属于保险责任范围内的损失。

责任起讫第四条 保险责任自签发保险凭证和保险货物离起运地发货人的最后一个仓库或储运处所时起，至该保险凭证上注明的目的地的收货人在当地的第一个仓库或储存处所时终止。

但保险货物运抵目的地后，如果收货人未及时提货，则保险责任的终止期最多延长至以收货人接到《到货通知单》后的十五天为限（以邮戳日期为准）。

编号：PICC财产保险股份有限公司水路货物运输保险条款甲方：乙方：年月日PICC财产保险股份有限公司水路货物运输保险条款保险标的范围第一条凡国内江河、湖泊和沿海地区的水路运输货物均可作为本保险的标的。

第二条下列货物，未经投保人和被保险人特别约定并在保险单(证)中载明的，不属于保险标的范围:金银、珠宝、钻石、玉器、珠宝、古钱币、古玩、古籍、古画、邮票、艺术品、稀有金属及其他贵重财产。

第三条下列货物不属于保险标的的范围:蔬菜、水果、活动物、家禽、鱼类和其他动物。

第四条本保险分为基本保险和综合保险，保险人按照保险单载明的保险险种承担保险责任。

保险责任第五条基本风险因下列保险事故造成被保险货物的损失和费用，保险人应按本条规定负责赔偿:(一)因火灾、爆炸、雷电、冰雹、风暴、暴雨、洪水、海啸、悬崖崩塌、突发性滑坡和泥石流；(二)船舶相撞、搁浅、触礁，桥梁码头坍塌；(三)船舶因上述两段原因沉没、失踪的；(4)装卸或转载过程中因意外事故造成的损失；(五)按照国家规定或者惯例应当承担的共同海损牺牲、分摊和救助费用；(六)发生上述灾害时，因混乱造成的货物损失以及为抢救或避难货物所支付的直接合理费用。

第六条一切风险除基本保险责任外，保险人还负责赔偿:(a)货物因碰撞和挤压而破碎、弯曲、凹陷、断裂和破裂；(二)因包装破裂造成货物损失的；(三)因碰撞或挤压造成容器(包括封条)损坏而造成液体货物泄漏的损失，或者因液体泄漏而造成储存在液体中的货物腐烂变质的损失；(4)盗窃造成的损失；(五)未按规定安全运输而遭受雨淋造成损失的。

免除责任第七条因下列原因造成保险货物损失的，保险人不承担赔偿责任:(1)战争、军事行动、扣押、罢工、抢劫和暴乱；(二)船舶本身的损失；(三)保险责任开始前被保险货物质量低劣或数量不足造成的损失；(四)被保险货物的自然损失、本质缺陷和特性造成的污染、变质和损坏；(五)市场价格下跌和运输延误造成的损失；(六)因委托人责任造成的损失；(七)投保人或被保险人的故意行为或违法犯罪行为。

国内水路、陆路货物运输保险条款总则第一条为使保险货物在水路、铁路、公路和联运运输中，因遭受保险责任范围内的自然灾害或意外事故所造成的损失能够得到经济补偿，并加强货物的安全防损工作，以利商品生产和商品流通，特举办保险。

保险责任第二条本保险分为基本险和综合险两种。

保险货物遭受损失时，保险人按承保险别的责任范围负赔偿责任。

（一）基本险1．因火灾、爆炸、雷电、冰雹、暴风、暴雨、洪水、地震、海啸、地陷、崖崩、滑坡、泥石流所造成的损失；2．由于运输工具发生碰撞、搁浅、触礁、倾覆、沉没、出轨或隧道、码头坍塌所造成的损失；3．在装货、卸货或转载时因遭受不属于包装质量不善或装卸人员违反操作规程所造成的损失；4．按国家规定或一般惯例应分摊的共同海损的费用；5．在发生上述灾害、事故时，因纷乱而造成货物的散失及因施救或保护货物所支付的直接合理的费用。

（二）综合险本保险除包括基本险责任外，保险人还负责赔偿：1．因受震动、碰撞、挤压而造成货物破碎、弯曲、凹瘪、折断、开裂或包装破裂致使货物散失的损失；2．液体货物因受震动、碰撞或挤压致使所用容器（包括封口)损坏而渗漏的损失，或用液体保藏的货物因液体渗漏而造成保藏货物腐烂变质的损失；3．遭受盗窃或整件提货不着的损失；4．符合安全运输规定而遭受雨淋所致的损失。

除外责任第三条由于下列原因造成保险货物的损失，保险人不负赔偿责任：（一）战争或军事行动；（二）核事件或核爆炸；（三）保险货物本身的缺陷、自然损耗，以及货物包装不善；（四）被保险人的故意行为或过失；（五）全程是公路货物运输的，盗窃和整件提货不着的损失；（六）其他不属于保险责任范围内的损失。

责任起讫第四条保险责任自签发保险凭证和保险货物离起运地发货人的最后一个仓库或储运处所时起，至该保险凭证上注明的目的地的收货人在当地的第一个仓库或储存处所时终止。

但保险货物运抵目的地后，如果收货人未及时提货，则保险责任的终止期最多延长至以收货人接到《到货通知单》后的十五天为限（以邮戳日期为准）。

日本财产保险（中国）有限公司产品责任保险条款总则第一条本保险合同由保险条款、投保单、保险单以及批单组成。

凡涉及本保险合同的约定，均应采用书面形式。

保险责任第二条在本保险有效期内，由于被保险人所生产、出售的产品或商品在承保区域内发生事故，造成使用、消费或操作该产品或商品的人或其他任何人的人身伤害、疾病、死亡或财产损失，依法应由被保险人负责时，保险人按照本保险合同的约定负责赔偿。

第三条保险事故发生后，被保险人因保险事故而被提起仲裁或者诉讼的，对应由被保险人支付的仲裁或诉讼费用以及事先经保险人书面同意支付的其他必要的、合理的费用（以下简称“法律费用”），保险人按照本保险合同约定也负责赔偿。

责任免除第四条保险人对下列各项不负责赔偿：(一)被保险人根据与他人的协议应承担的责任，但即使没有这种协议，被保险人仍应承担的责任不在此限；(二)根据劳动法或工伤条例应由被保险人承担的责任；(三)根据雇佣关系应由被保险人对雇员所承担的责任；(四)被保险产品本身的损失；(五)产品召回发生的替换的费用；(六)被保险人所有、保管或控制的财产的损失；(七)被保险人故意违法生产、出售的产品或商品造成任何人的人身伤害、疾病、死亡或财产损失；(八)被保险产品造成的大气、土地及水污染及其他各种污染所引起的责任；(九)被保险产品造成对飞机或轮船的损害责任；(十)由于战争、类似战争行为、敌对行为、武装冲突、恐怖活动、谋反、政变直接或间接引起的任何后果所致的责任；(十一)由于罢工、暴动、民众骚乱或恶意行为直接或间接引起的任何后果所致的责任；(十二)由于核裂变、核聚变、核武器、核材料、核辐射及放射性污染所引起的直接或间接的责任；(十三)罚款、罚金、惩罚性赔款；(十四)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。

责任限额与免赔额（率）第五条责任限额包括每次事故责任限额、累计责任限额，由投保人与保险人协商确定，并在保险合同中载明。

日本财产保险（中国）有限公司GENERAL LIABILTY POLICYStandard ProvisionsSompo Japan Insurance (China) Co.,Ltd.(hereinafter called the Company)In consideration of the payment of the premium, in reliance upon the statements in the declarations made a part hereof and subject to all of the terms of this policy, agrees with the Named Insured as follows:COVERAGECoverage is afforded under this policy in accordance with the specific Coverage Parts identified in the Declarations as being a part of this policy.SUPPLEMENTARY PAYMENTSThe Company will pay, in addition to the applicable limit of liability:(a) all expenses incurred by the Company, all costs taxed against the Insured in any suit defended by the Company and all interest on the entire amount of any judgment therein which accrues after entry of the judgment and before the Company has paid or tendered or deposited in court that partof the judgment which does not exceed the limit of the Company's liability thereon;(b) premiums on appeal bonds required in any such suit, premiums on bonds to release attachments in any such suit for an amount not in excess of the applicable limit of liability of this policy, and the cost of bail bonds required of the Insured because of accident or traffic law violation arising out of the use of any vehicle to which this policy applies, not to exceed $250 perbail bond, but the Company shall have no obligation to apply for or furnish any such bonds;(c) expenses incurred by the Insured for first aid to others at the time of an accident, for bodilyinjury to which this policy applies;(d) reasonable expenses incurred by the Insured at the Company's request in assisting the Company in the investigation or defense of any claim or suit, including actual loss of earnings notto exceed $25 per day.DEFINITIONSWhen used in this policy (including endorsements forming a part hereof):“automobile”means a land motor vehicle, trailer or semitrailer designed for travel on public roads(including any machinery or apparatus attached thereto), but does not include mobile equipment;means bodily injury, sickness or disease sustained by any person which occurs“bodily i njury”　during the policy period, including death at any time resulting therefrom;“collapse hazard” includes “structural property damage” as defined herein and property damage to any other property at any time resulting therefrom “structural p roperty damage”　m eans thecollapse of or structural injury to any building or structure due to (1) grading of land, excavating,borrowing, filling, backfilling, tunnelling, pile driving, cofferdam work or caisson work or (2)moving, shoring, underpinning, raising or demolition of any building or structure or removal orrebuilding of any structural support thereof. The collapse hazard does not include property damage(1) arising out of operations performed for the Named Insured by independent contractors, or (2)included within the completed operations hazard or the underground property damage hazard, or(3) for which liability is assumed by the Insured under an incidental contract;includes bodily injury and property damage arising out of“completed o perations hazard”　operations or reliance upon a representation or warranty made at any time with respect thereto, butonly if the bodily injury or property damage occurs after such operations have been completed orabandoned and occurs away from premises owned by or rented to the Named Insured.Operations”include materials, parts or equipment furnished in connection therewith. Operationsshall be deemed completed at the earliest of the following times:(1) when all operations to be perfomed by or on behalf of the Named Insured under the contracthave been completed,(2) when all operations to be performed by or on behalf of the Named Insured at the site of theoperations have been completed,or(3) when the portion of the work out of which the injury or damage arises has been put to itsintended use by any person or organization other than another contractor or subcontractor engagedin performing operations for a principal as a part of the same project.Operations which may require further service or maintenance work, or correction, repair orreplacement because of any defect or deficiency, but which are otherwise complete, shall bedeemed completed.The completed operations hazard does not include bodily injury or property damage arising out of(a) operations in connection with the transportation of property, unless the bodily injury orproperty damage arises out of a condition in or on a vehicle created by the loading or unloadingthereof,(b) the existence of tools, uninstalled equipment or abandoned or unused materials,or(c) operations for which the classification stated in the policy or in the Company's manual specifies“including completed operations”；“elevator” means any hoisting or lowering device to connect floors or landings, whether or not in service, and all appliances thereof including any car, platform, shaft, hoistway, stairway, runway,power equipment and machinery; but does not include an automobile servicing hoist, or a hoistwithout a platform outside a building if without mechanical power or if not attached to buildingwalls, or a hod or material hoist used in alteration, construction or demolition operations, or aninclined conveyor used exclusively for carrying property or a dumbwaiter used exclusively for carrying property and have a compartment height not exceeding four feet;The explosion “explosion hazard” includes property damage arising out of blasting or explosion.hazard does not include property damage (1) arising out of the explosion of air or steam vessels,piping under pressure, prime movers, machinery or power transmitting equipment, or (2) arisingout of operations performed for the Named Insured by independent contractors, or (3) included within the completed operations hazard or the underground property damage hazard, or (4) for which liability is assumed by the Insured under an incidental contract;of premises, (2) easement agreement, except in “incidental contract” means any written (1) leaseconnection with construction or demolition operations on or adjacent to a railroad, (3) undertakingto indemnify a municipality required by municipal ordinance, except in connection with work forthe municipality, (4) sidetrack agreement, or (5) elevator maintenance agreement;means any person or organization qualifying as an Insured in the “Persons Insured”　“Insured”　provision of the applicable insurance coverage. The insurance afforded applies separately to each Insured against whom claim is made or suit is brought, except with respect to the limits of the Company's liability;“mobile equipment” means a land vehicle (including any machinery or apparatus attached thereto), whether or not self-propelled, (1) not subject to motor vehicle registration, or (2) maintained foruse exclusively on premises owned by or rented to the Named Insured, including the ways immediately adjoining, or (3) designed for use principally off public roads, or (4) designed or maintained for the sole purpose of affording mobility to equipment of the following types formingan integral part of or permanently attached to such vehicle: power cranes, shovels, loaders, diggersand drills; concrete mixers (other than the mix-in-transit type); graders, scrapers, rollers and otherroad construction or repair equipment; air-compressors, pumps and generators, including spraying, welding and building cleaning equipment; and geophysical exploration and well servicing equipment;。

附件：日本财产保险（中国）有限公司商业机动车辆综合险（2007版）日本财产保险（中国）有限公司机动车损失保险条款总 则第一条 本保险合同为不定值商业保险合同，由保险条款、投保单、保险单、批改申请书、批单和特别约定组成。

凡涉及本保险合同的约定，均应采用书面形式。

第二条 本保险为基本险。

投保了本保险后，可选择投保相应的附加险和特约条款。

基本险条款、附加险条款、特约条款的法律效力为：特约条款高于附加险条款，附加险条款高于基本险条款。

附加险条款未尽事宜，以基本险条款为准；特约条款未尽事宜，以基本险条款或附加险条款为准。

第三条 本保险合同中的机动车是指以动力装置驱动或者牵引，上道路行驶的供人员乘用或者用于运送物品以及进行工程专项作业的轮式车辆或履带式车辆，不含摩托车和拖拉机。

第四条 保险机动车灭失或发生全部损失、推定全损、部分损失一次赔款金额与免赔金额之和达到保险金额时，本保险责任终止。

保险责任第五条 保险期间内，保险机动车在被保险人或其允许的合法驾驶人使用过程中，因下列原因造成保险机动车的全部损失或部分损失，保险人依照保险合同约定负责赔偿：1、碰撞、倾覆；2、火灾、爆炸，党政机关、事业团体用车、企业非营业用车的自燃；3、外界物体倒塌、空中物体坠落、保险机动车行驶中坠落；4、受保险机动车所载货物、车上人员意外撞击；5、雷击、暴风、暴雨、洪水、龙卷风、雹灾、台风、海啸、热带风暴、地陷、崖崩、滑坡、泥石流、雪崩、冰陷、雪灾、冰凌、沙尘暴；6、载运保险机动车的渡船遭受自然灾害（只限于有驾驶人随船照料者）。

第六条 发生保险事故时，被保险人或其代表为防止或者减少保险机动车损失而采取施救、保护措施所支出的必要合理的费用，保险人负责赔偿。

本项费用的最高赔偿金额以保险合同载明的保险金额为限。

责任免除第七条 下列情况下，不论任何原因造成保险机动车的任何损失和费用，保险人均不负责赔偿：（一）交通肇事后逃逸；驾驶人、被保险人、投保人故意破坏现场、伪造现场、毁灭证据；被保险人或其允许的驾驶人的故意行为、犯罪行为；（二）驾驶人有下列情形之一者：1、饮酒、服用国家管制的精神药品或者麻醉药品；2、无驾驶证，驾驶证失效或者被依法扣留、暂扣、吊销期间；3、驾驶与驾驶证载明的准驾车型不相符合的机动车；4、实习期内驾驶公共汽车、营运客车或者执行任务的警车、消防车、救护车、工程救险车、载有危险物品的机动车或牵引挂车的机动车；5、使用各种专用机械车、特种车的人员无国家有关部门核发的有效操作证，或驾驶出租机动车或营业性机动车无交通运输管理部门核发的许可证书或其他必备证书；6、法律法规规定的其他属于无有效驾驶资格的情况。

中保财产保险有限公司水路货物运输保险条款甲方：乙方：签订地点：签订时间：合同编号：中保财产保险有限公司水路货物运送保险条款保险标的范围第一条凡在国内江、河、湖泊和沿海经水路运送的货物均可为本保险之标的。

其次条下列货物非经投保人与被保险人特殊商定，并在保险单（凭证）上载明，不在保险标的范围以内：金银、珠宝、钻石、玉器、首饰、古币、古玩、古书、古画、邮票、艺术品、稀少金属等宝贵财物。

第三条下列货物不在保险标的范围以内：蔬菜、水果、活性畜、禽鱼类和其他动物。

第四条本保险分为基本险和综合险，保险人按保险单注明的承保险别分离担当保险责任。

保险责任第五条基本险因为下列保险事故造成保险货物的损失和费用，保险人依照本条款商定负责赔偿：（一）因火灾、爆炸、雷电、冰雹、暴风、暴雨、洪水、海啸、崖崩、突发性滑坡、泥石流；（二）船舶发生碰撞、搁浅、触礁，桥梁码头坍塌；（三）因以上两款所致船舶淹没失踪；（四）在装货、卸货或转载时因意外事故造成的损失；（五）按国家规定或普通惯例应担当的共同海损的牺牲、分摊和救助费用；（六）在发生上述灾难事故时，因纷乱造成货物的散失以及因施救或庇护货物所支付的直接合理的费用。

第六条综合险本保险除包括基本险责任外，保险人还负责赔偿：（一）因受碰撞、挤压而造成货物破裂、弯曲、凹瘪、折断、开裂的损失；（二）因包装破碎致使货物散失的损失；（三）液体货物因受碰撞或挤压致使所用容器（包括封口）损坏而渗漏的损失，或用液体收藏的货物因液体渗漏而造成该货物腐烂变质的损失；（四）遭遇盗窃的损失；（五）符合平安运送规定而遭遇雨淋所致的损失。

责任免除第七条因为下列缘由造成保险货物的损失，保险人不负赔偿责任：（一）战斗、军事行动、扣押、罢工、哄抢和暴动；（二）船舶本身的损失；（三）在保险责任开头前，被保险货物已存在的品质不良或数量短差所造成的损失；（四）被保险货物的自然损耗，本质缺陷、特性所引起的污染、变质、损坏；（五）市价跌落、运送延迟所引起的损失；（六）属于发货人责任引起的损失；（七）投保人、被保险人的有意行为或违法犯罪行为。

INSTITUTE CARGO CLAUSES (ALL RISKS)1 This insurance attaches from the time the goods leave the warehouse or place of storage at the place named in thepolicy for the commencement of the transit, continues during the ordinary course of transit and terminates either on delivery(a) to the Consignees’ or other final warehouse or place of storage at the destination named in the policy,(b) to any other warehouse or place of storage, whether prior to or at the destination named in the policy, whichthe Assured elect to use either(i) for storage other than in the ordinary course of transitor(ii) for allocation or distribution,or(c) on the expiry of 60 days after completion of discharge overside of the goods hereby insured from the overseavessel at the final port of discharge,whichever shall first occur.If, after discharge overside from the oversea vessel at the final port of discharge, but prior to termination of this insurance, the goods are to be forwarded to a destination other than that to which they are insured hereunder, this insurance whilst remaining subject to termination as provided for above, shall not extend beyond the commencement of transit to such other destination.This insurance shall remain in force (subject to termination as provided for above and to the provisions of Clause2 below) during delay beyond the control of the Assured, any deviation, forced discharge, reshipment or transhipmentand during any variation of the adventure arising from the exercise of a liberty granted to shipowners or charterers under the contract of affreightment. Transit Clause (incorporating Warehouse to Warehouse Clause).2 If owing to circumstances beyond the control of the Assured either the contract of aftreightment is terminated ata port or place other than the destination named therein or the adventure is otherwise terminated before deliveryof the goods as provided for in Clause 1 above, then, subject to prompt notice being given to Underwriters and to an additional premium if required, this insurance shall remain in force until either(i) the goods are sold and delivered at such port or place, or, unless otherwise specially agreed, until the expiryof 60 days after completion of discharge overside of the goods hereby insured from the oversea vessel at suchport or place, whichever shall first occur,or(ii) if the goods are forwarded within the said period of 60 days (or any agreed extension thereof) to the destination named in the policy or to any other destination until terminated in accordance with the provisions of Clause1 above. Termination of Adventure Clause3 Including transit by craft raft or lighter to or from the vessel. Each craft raft or lighter to be deemed a separateinsurance. The Assured are not to be prejudiced by any agreement exempting lightermen from liability.Craft. & c.Clause4 Held covered at a premium to be arranged in case of change of voyage or of any omission or error in the descriptionof the interest vessel or voyage.Change ofVoyage Clause5 This insurance is against all risks of loss of or damage to the subject-matter insured but shall in no case be deemedto extend to cover loss damage or expense proximatcly caused by delay or inherent vice or nature of the subject-matter insured. Claims recoverable hereunder shall be payable irrespective of percentage. All Risks Clause6 No claim for Constructive Total Loss shall be recoverable hereunder unless the goods are reasonably abandoned eitheron account of their actual total loss appearing to be unavoidable or because the cost of recovering, reconditioning and forwarding the goods to the destination to which they are insured would exceed their value on arrival. Constructive Total Loss Clause7 General Average and Salvage Charges payable according to Foreign Statement or to York-Antwerp Rules if in accordancewith the contract of affreightment.G. A. Clause8 The seaworthiness of the vessel as between the Assured and Underwriters is hereby admitted.In the event of loss the Assured’s right of recovery hereunder shall not be prejudiced by the fact that the loss may have been attributable to the wrongful act or misconduct of the shipowners or their servants, committed without the privity of the Assured. Seaworthiness Admitted Clause9 It is the duty of the Assured and their Agents, in all cases, to take such measures as may be reasonable for thepurpose of averting or miniunising a loss and to ensure that all rights against carriers, bailees or other thirdparties are properly preserved and exercised.Bailee Clause10 This insurance shall not inure to the benefit of the carrier or other bailee.Not to InureClause11 This insurance is extended to indemnify the Assured against such proportion of liability under the contract ofaffreightment “Both to Blame Collision” Clause as is in respect of a loss recoverable hereunder.In the event of any claim by shipowners under the said Clause the Assured agree to notify the Underwriters who shall have the right, at their own cost and expense, to defend the Assured against such calim. “Both to Blame Collision”Clause12 Warranted free of capture, seizure, arrest, restraint or detainment, and the consequences thereof or of any attemptthereat; also from the consequences of hostilities or warlike operations, whether there be a declaration of war ornot; but this warranty shall not exclude collision, contact with any fixed or floating object (other than a mineor torpedo), stranding, heavy weather or fire unless caused directly (and independently of the nature of the voyageservice which the vessel concerned or, in the case of a collision, any other vessel involved wherein, is performing)by a hostile act by or against a belligerent power; and for the purpose of this warranty “power”includes any authoritymaintaining naval, military or air forces in association with a power.F. C. & S. ClauseFurther warranted free from the consequences of civil war, revolution, rebellion, insurrection, or civil strife arising therefrom, or piracy.Should Clause No. 12 be deleted, the relevant current Institute War Clauses shall be deemed to form part of this insurance.13 Warranted free of loss or damage(a) caused by strikers, locked-out workmen, or persons taking part in labour disturbances, riots or civilcommotions;(b) resulting from strikes, lock-outs, labour disturbances, riots or civil commotions.Should Clause No. 13 be deleted, the relevant current Institute Strikes Riots and Civil Commotions Clauses shall be deemed to from part of this insurance. F.S.R. & C.C. Clause14 It is a condition of this insurance that the Assured shall act with reasonable despatch in all circumstances withintheir control.ReasonableDespatchClauseNOTE: －It is necessary for the Assured when they become aware of an event which is "held covered" underthis insurance to give prompt notice to the Underwriters and the right to such cover is dependent upon compliance with this obligation.。

[保险监管]关于日本财产保险（中国）有限公司机动车商业保险条款费率的批日本财产保险（中国）有限公司：你公司《关于使用日本财产保险（中国）有限公司机动车商业保险条款费率的请示》（日财中发〔2009〕22号）收悉。

经审核，批复如下：一、同意你公司使用经修订的机动车商业保险条款、费率。

条款编号如下：其中，主险条款编号如下：1、机动车损失保险条款：B09H03Z01090923；2、机动车第三者责任保险条款：B09H03Z02090923；3、机动车车上人员责任险条款：B09H03Z03090923；4、机动车全车盗抢损失险条款：B09H03Z04090923；5、摩托车、拖拉机保险条款：B09H03Z05090923；6、单程提车第三者责任保险条款：B09G01Z06090923；7、单程提车损失保险条款：B09G01Z07090923。

附加险、特约条款编号如下：1、自燃损失险条款：B09G01F01090923；2、玻璃单独破碎险条款：B09H03F02090923；3、新增设备损失险条款：B09G01F03090923；4、车身油漆单独损伤险条款：B09H03F04090923；5、涉水损失险条款：B09G01F05090923；6、零部件、附属设备被盗窃险条款：B09G01F06090923；7、车上货物责任险条款：B09G01F07090923；8、精神损害抚慰金责任险条款：B09G01F08090923；9、随车携带物品责任险条款：B09G01F09090923；10、特种车车辆损失扩展险条款：B09G01F10090923；11、特种车固定机具、设备损失险条款：B09G01F11090923；12、道路污染责任险条款：B09G01F12090923；13、车损免赔额特约条款：B09H03F13090923；14、救援费用特约条款：B09G01F14090923；15、修理期间费用补偿特约条款：B09G01F15090923；16、事故附随费用特约条款：B09G01F16090923；17、更换新车特约条款：B09G01F17090923；18、多次事故免赔率特约条款：B09G01F18090923；19、使用安全带特约条款：B09G01F19090923；20、基本险不计免赔特约条款：B09H03F20090923；21、附加险不计免赔特约条款：B09G01F21090923；22、法律服务特约条款：B09G01F22090923；23、节假日行驶区域扩展特约条款：B09G01F23090923；24、指定专修厂特约条款：B09G01F24090923；25、换件特约条款：B09G01F25090923。

日本财产保险（中国）有限公司货运险附加条款（C）一、规范类 (8)C007760保费结算特别约定（销售额） (8)C002614、舱面条款A (8)C002614、On-deck Clause A (8)C002614、舱面条款B (9)C002614、On-deck Clause B (9)C002860、Institute Classification Clause 01/01/2001 (9)C002860、协会船级条款 (10)C002870、Special Clause for Broken up Vessel (11)C002870、船只特殊损坏险条款 (11)C002610、On-deck Clause (11)C002610、装载甲板条款 (12)C002900、CY & CFS Attachment Clause (12)C002900、CY&CFS附加条款 (12)C002930、Mail And Parcel Post Clauses (13)C002930、邮件包裹邮递条款 (13)C002950、Institute Replacement Clause (13)C002950、协会重置条款 (14)C003030、Institute War Cancellation Clause (Cargo) (14)C003030、协会撤销战争险条款（货物） (14)C003040、Strikes Cancellation Clause (14)C003040、撤销罢工险条款 (14)C003430、Open Yard Storage Clause (14)C003430、户外场地存储条款 (15)C003431、户外场地存储条款 (15)C003431、户外场地存储条款 (15)C003431、Open-Yard Storage Clause (15)C000470、Set Clause (15)C000470、套装条款 (16)C003080、Wild Fauna and Flora Clause (16)C003080、野生动植物条款 (16)C003090、Cargo Ism Endorsement (16)C003090、货物ISM认证条款 (17)C003100、Data Recognition Exclusion Clause (17)C003100、数据识别除外声明条款 (18)C003120、Special Insolvency Exclusion Clause (19)C003120、特殊破产除外条款 (19)C003130、Termination Of Transit Clause (Terrorism) (19)C003130、运输终止条款（恐怖主义） (20)C003160、Claim Settlement for Petty Claim (21)C003160、小赔案索赔处理条款 (21)C003110、Electronic Data Exclusion (21)C003110、电子数据责任免除 (21)C003200、Non-Survey Clause (21)C003200、无查勘条款 (22)C003210、After Slaughter Clause (22)C003210、屠宰后条款 (22)C003240、Before Loading Clause (22)C003240、装载前条款 (22)C003290、Door to Door Clause (22)C003290、门到门条款 (23)C003320、Ex-dock Attachment Clause (23)C003320、码头交货附加条款 (23)C003340、Personal Conveyance Clause (23)C003340、个人携带条款 (23)C003350、Quarantine Clause ( I ) (23)C003350、检疫条款（I） (23)C003360、Quarantine Clause (Ⅱ) (23)C003360、检疫条款（I I） (24)C003260、Risk After Discharge Clause (24)C003260、卸货后风险条款 (24)C003810、Special Clause for Open Policy of Marine Insurance (24)C003810、海上保险预约保单特别条款 (28)C003530、Tank To Tank Clause (30)C003530、油罐到油罐条款 (30)C003540、Vault To Vault Clause (30)C003540、保险库到保险库条款 (30)C003550、Trade Terms Clause (30)C003550、贸易条件条款 (30)C002700、Hong Kong Surveyor Clause (30)C002700、香港检查人条款 (31)C002991、Institute Radioactive Contamination, Chemical, Biological, Bio-Chemical & Electromagnetic Weapons Exclusion Clause (31)C002991 协会放射性污染、化学、生物、生物化学及电磁武器除外条款 (31)C002992、Institute Cyber Attack Exclusion Clause (32)C002992、协会电子攻击除外条款 (32)C003250、Special Clause for Before Loading Risks (1) (32)C003250、装载前风险特殊条款(1) (33)C003830、Reported Loss Warranty (33)C003830、损失通知保证条款 (33)C003170、Special Settlement Clause for Petty Claim (33)C003170、小数额索赔特殊解决办法条款 (33)C003780、Loading And Unloading Clause (33)C003780、装卸条款 (34)C003790、IT Clarification Clause (34)C003790、IT解释条款 (34)C003800、Special Clause For "Secondhand Machinery" (34)C003800、二手机械设备特别条款 (35)C003670、ICC4.6除外责任条款 (35)C003781、装卸条款 (35)C002590、易腐货物条款 (35)C002710、卖方利益保险条款 (35)C002720、进口集装箱货物运输保险特别条款 (36)C002740、2000 年问题除外责任条款 (36)C002750、恐怖主义除外条款 (37)C003750、偶发事件保险条款 (37)C004040、保险金额与保险价值特别条款 (37)C004040、Sum Insured and Value Clause (37)C004150、承运人责任和赔偿保险特别条款（除外货物和除外责任） (37)C004150、Carrier's Liability and Indemnity Insurance Clause (In respect of cargo) (38)C004620、Termination Of Transit Clause (Terrorism) (40)C004740、保险费支付条款 (41)C005000、Cancellation Clause (___Days ) (41)C005000、取消条款（天） (41)C005020、Cancellation Policy Clause (30 Days ) (41)C005020、取消保险条款（30天） (41)C005021、Cancellation Policy Clause (60 Days ) (41)C005021、取消保险条款（60天） (41)C005022、Cancellation Policy Clause (90 Days ) (41)C005022、取消保险条款（90天） (42)C005090、以运输开始为基础条款 (42)C005090、Voyage Attaching Base Clause (42)C005100、以事故发生为基础条款 (42)C005100、Loss Occurrence Base Clause (42)C005600、仓储期间温度变化条款 (42)C005670、制裁特别条款 (42)C005670、Sanction Limitation and Exclusion Clause (43)C005680、风险开始特别条款 (43)C005680、Risk Attachment Clause (43)C005960、装船前风险特殊条款 (43)C006530、FOB出口贸易运输保险责任起讫特别条款 (43)C006780、制裁和禁运条款 (44)C006780、Sanctions and embargo clause (44)二、扩展类 (44)C002616舱面货物条款A (44)C003141隐蔽损坏条款A (45)C004070、协会恶意损坏条款 (45)C004070、Institute Malicious Damage Clause (45)C007630保单期限自动延长扩展条款 (46)C007640不可撤销条款 (46)C002490、海洋运输货物战争险条款 (46)C002970、Special Replacement Clause (Air Freight and Duty) (47)C002970、特殊替换条款（货物空运和税费） (47)C000560、Institute Theft, Pilferage and Non-Delivery Clause (48)C000560、协会行窃、偷盗和未投递险条款 (48)C003010、Institute Dangerous Drugs Clause (48)C003010、协会危险药物险条款 (48)C003050、Duty Clause (48)C003050、关税条款 (49)C003190、Label Clause (49)C003190、商标条款 (49)C003520、Warranty for Refrigerated Cargo (49)C003520、冷藏货物担保 (50)C003140、Special Clause for Concealed Damage (50)C003140、隐蔽损坏条款 (50)C003150、Special Clause for Non-Delivery and missing (51)C003150、未送达以及丢失特殊条款 (51)C003180、Brand Protection Clause (51)C003180、品牌保护条款 (52)C002820、Waiver of Subrogation Clause(Ⅱ) (52)C002820、放弃代位求偿权（Ⅱ) (52)C003220、Allocation Clause（１） (53)C003220、分配条款（1） (53)C003230、Allocation Clause（２） (53)C003230、分配条款（2） (53)C003270、Cargo Indemnity Insurance Clause (54)C003270、货物损害赔偿条款 (56)C004750、承运人的责任和赔偿保险条款（货物） (58)C004750、Carrier's Liability and Indemnity Insurance Clause (In respect of cargo) (58)C003310、Drive away Clause (59)C003310、驾车条款 (60)C003440、Inland Storage Extension Clause (60)C003440、内陆储存延长条款 (60)C003330、Live-Stock Clause (60)C003330、家畜条款 (61)C002630、Meat Rejection Clause (62)C002630、肉类拒绝条款 (63)C003300、Nail to Nail Clause (64)C003300、场所至场所条款 (64)C002940、Parcel Post Clause (64)C002940、邮包条款 (64)C003370、Re-Issue Clause (64)C003370、补发条款 (64)C002650、Rejection Clauses for commodities other than Meat (65)C002650、商品(肉类除外)拒绝进口条款 (66)C002640、Rejection Insurance Clauses (66)C002640、拒绝进口肉类 (68)C000480、Special Clause for Containerized Cargo for Shipment (68)C000480、集装箱运输货物的特别条款 (68)C003380、Special Clause for Exhibition (69)C003380、展览特别条款 (69)C003390、Special Clause for Exhibition (Exclusion) (69)C003390、展览特别条款（责任免除） (69)C003391、Special Clause for Exhibition (Earthquake Exclusion) (69)C003391、展览特别条款(地震除外） (70)C003690、Special Clause for Inspection and Trial Test (70)C003690、检查和调试特别条款 (70)C003400、Special Clause for Installation（１） (70)C003400、安装特别条款(1) (71)C003410、Special Clause for Installation （２） (71)C003410、安装特别条款（2） (72)C003420、Special Clause for Self-Driving (72)C003420、自驱担保特别条款 (72)C003450、Special Clause for Storage at Custom Warehouse (73)C003450、海关仓库仓储特别条款 (73)C003460、Special Clause for Storage at Port Warehouse (73)C003460、港口仓库储存特别条款 (73)C003470、Special Clause for Storage in the Final Warehouse (73)C003470、最终仓库储存特别条款 (74)C003480、Special Non-Delivery Clause for Containerized Cargo (74)C003480、集装箱运货物提货不着特别条款 (74)C002980、Special Replacement Clause(Air Freight) (74)C002980、重置特别条款(空运费用) (75)C003000、Special Replacement Clause(Duty) (75)C003000、重置特别条款(关税) (75)C000510、Special Shortage Clause (75)C000510、短量特别条款 (76)C003490、Standard Clauses for Refrigerated Cargo (All Risks - A) (76)C003490、冷藏货物标准条款(一切险-A) (76)C003500、Standard Clauses for Refrigerated Cargo (All Risks - B) (77)C003500、冷藏货物标准条款(一切险-B) (78)C003510、Standard Clauses for Refrigerated Cargo(F.P.A.) (78)C003510、冷藏货物标准条款(平安险) (79)C002810、Waiver of Subrogation Clause(Ⅰ) (79)C002810、代位求偿权放弃条款(Ⅰ) (80)C002830、Waiver of Subrogation for Inland Carrier (80)C002830、放弃对内陆承运人的代位求偿权 (80)C002840、Waiver of Subrogation for Inland Forwarder (80)C002840、放弃对内陆代运人的代位求偿权 (80)C002850、Waiver of Subrogation for N/D (80)C002850、放弃对提货不着的代位求偿权 (80)C003560、Deferred Unpacking Clause ( days) (80)C003560、延期开包条款（天） (81)C003561、延迟开箱条款（） (81)C003070、Duty & Tax Clause (81)C003070、税金条款 (81)C003571、Mysterious Disappearance Clause (82)C003571、神秘失踪条款 (82)C003590、Special Clause for Additional Costs for Shipment of Replaced Goods by Air (82)C003590、空运替换货物的附加费用的特别条款 (83)C003600、Special Clause for Delay (83)C003600、延期特殊条款 (84)C003610、Special Clause for Extra Forwarding Charges (84)C003611、额外转运费用特殊条款 (85)C003620、Special Clause for Processing Ⅰ (86)C003620、加工特殊条款Ⅰ (87)C003621、Special Clause for ProcessingⅡ (87)C003621、加工特殊条款Ⅱ (88)C003630、Special Clause for Returned Goods (88)C003630、被往返货物特别条款 (88)C003640、Special Clause for Round V oyage (88)C003640、往返航程特别条款 (89)C000490、Special Clause For StorageⅠ (89)C000490、仓储特别条款Ⅰ (90)C000491、Special clause for storageⅡ (90)C000491、仓储特别条款Ⅱ (90)C003660、Special Expense Clause (91)C003660、特殊开支条款 (91)C003770、Special Coverage Clause for Re-package Charge Clause (91)C003770、重新包装费用特殊条款 (91)C004010、Waiver of Subrogation Clause (92)C004010、放弃代位追偿权条款 (92)C002500、货物运输罢工险条款 (92)C000561、偷窃、提货不着险条款 (92)C000550、淡水、雨淋险条款 (93)C000511、短量险条款 (93)C002510、混杂、沾污险条款 (93)C002520、渗漏险条款 (93)C002530、碰损、破碎险条款 (93)C002540、串味险条款 (93)C002550、受潮受热险条款 (94)C002560、钩损险条款 (94)C002570、包装破裂险条款 (94)C002580、锈损险条款 (94)C002600、交货不到条款 (94)C003060、进口关税条款 (95)C002611、舱面货物条款 (95)C002620、拒收险条款 (95)C002620、Rejection Clause (96)C002660、黄曲霉素险条款 (96)C002670、出口货物到香港（包括九龙在内）或澳门存仓火险责任扩展条款 (97)C002680、海关检验条款 (97)C002690、码头检验条款 (97)C002730、海运进口货物国内转运期间保险责任扩展条款 (98)C002760、陆上运输货物战争险条款（火车） (98)C002780、邮包保险附加邮包战争险条款 (99)C003680、残余物清除特别保险条款 (100)C003700、检查费特别保险条款 (100)C003700、Special Coverage Clause for Inspection Charge (100)C003710、检查特别运送条款 (100)C003720、包装特别协议 (100)C003730、退回包装特别保险条款 (101)C003740、空运费用特别保险条款（适用于起初由海外船只运输的标的物） (101)C003760、特别运送条款 (101)C004150、Carrier's Liability and Indemnity Insurance Special Clause (Excluded cargoes and Exclusions) (102)C004150、承运人的责任和赔偿保险条款（除外货物和除外责任） (103)C004770、关于全损协定的特别条款 (104)C006750、附加快递邮包保险 (105)三、限制类 (105)C005030、Mysterious disappearance & Left unattended goods Exclusion Clause (105)C005030、神秘失踪和无人看管损失除外责任条款 (105)C005040、Rust, Oxidation, Bending, Denting, Stain and Scratching Exclusion Clause (105)C005040、锈蚀、氧化、弯曲、凹陷、瑕疵及划伤损失除外责任条款 (105)C005050、Mechanical, Electrical and Electronic Derangement Exclusion Clause (105)C005050、机械、电气及电子紊乱除外责任条款 (106)C005060、Temperature Variation Exclusion Clause (106)C005060、温度变化除外责任条款 (106)C006550、磨损、氧化、瑕疵及沾污除外责任条款 (106)C007560、泰国洪水损害责任免除条款 (106)C007560、Flood Damage Exclusion Clause in Thailand (106)一、规范类C007760保费结算特别约定（销售额）兹经双方同意并约定，本保险以被保险人在本保险合同成立前最近一个年度内的销售金额乘以约定费率预收保险费，若低于保单约定的最低保险费，则预收最低保险费。

日本财产保险（中国）有限公司建筑工程一切险条款总则第一条本保险合同由保险条款、投保单、保险单以及批单组成。

凡涉及本保险合同的约定，均应采用书面形式。

第一部分物质损失保险部分保险标的第二条本保险合同的保险标的为：本保险合同明细表中分项列明的在列明工地范围内的与实施工程合同相关的财产或费用，属于本保险合同的保险标的。

第三条下列财产未经保险合同双方特别约定并在保险合同中载明保险金额的，不属于本保险合同的保险标的：（一）施工用机具、设备、机械装置；（二）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；（三）在本保险合同保险期间终止前，已经投入商业运行或业主已经接受、实际占有的财产或其中的任何一部分财产，或已经签发工程竣工证书或工程承包人已经正式提出申请验收并经业主代表验收合格的财产或其中任何一部分财产；（四）清除残骸费用。

该费用指发生保险事故后，被保险人为修复保险标的而清理施工现场所发生的必要、合理的费用。

第四条下列财产不属于本保险合同的保险标的：（一）文件、账册、图表、技术资料、计算机软件、计算机数据资料等无法鉴定价值的财产；（二）便携式通讯装置、便携式计算机设备、便携式照相摄像器材以及其他便携式装置、设备；（三）土地、海床、矿藏、水资源、动物、植物、农作物；（四）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、航空器；（五）违章建筑、危险建筑、非法占用的财产。

保险责任第五条在保险期间内，本保险合同分项列明的保险财产在列明的工地范围内，因本保险合同责任免除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”)，保险人按本保险合同的约定负责赔偿。

第六条在保险期间内，由于第五条保险责任事故发生造成保险标的的损失所产生的以下费用，保险人按照本保险合同的约定负责赔偿：（一）保险事故发生后，被保险人为防止或减少保险标的的损失所支付的必要的、合理的费用，保险人按照本保险合同的约定也负责赔偿。

日本财产保险（中国）有限公司航空运输货物保险条款一、责任范围本保险分为航空运输险和航空运输一切险二种。

被保险货物遭受损失时，本保险按保险单上订明承保险别的条款负赔偿责任。

（一）航空运输险本保险负责赔偿：1．被保险货物在运输途中遭受雷电、火灾或爆炸或由于飞机遭受恶劣气候或其它危难事故而被抛弃，或由于飞机遭受碰撞、倾覆、坠落或失踪意外事故所造成的全部或部分损失。

2．被保险人对遭受承保责任内危险的货物采取抢救，防止或减少货损的措施而支付的合理费用，但以不超过该批被救货物的保险金额为限。

（二）航空运输一切险除包括上列航空运输险的责任外，本保险还负责被保险货物由于外来原因所致的全部或部分损失。

二、除外责任本保险对下列损失，不负赔偿责任：（一）被保险人的故意行为或过失所造成的损失。

（二）属于发货人责任所引起的损失。

（三）保险责任开始前，被保险货物已存在的品质不良或数量短差所造成的损失。

（四）被保险货物的自然损耗、本质缺陷、特性以及市价跌落、运输延迟所引起的损失或费用。

（五）本公司航空运输货物战争险条款和货物运输罢工险条款规定的责任范围和除外责任。

三、责任起讫（一）本保险负“仓至仓”责任，自被保险货物运离保险单所载明的起运地仓库或储存处所开始运输时生效，包括正常运输过程中的运输工具有内，直到该项货物运达保险单所载明目的地收货人的最后仓库或储存处所或被保险人用作分配、分派或非正常运输的其它储存处所为止。

如未运抵上述仓库或储存处所，则以被保险货物在最后卸载地卸离飞机后满三十天为止。

如在上述三十天内被保险的货物需转送到非保险单所载明的目的地时，则以该项货物开始转运时终止。

（二）由于被保险人无法控制的运输延迟、绕道、被迫卸货、重新装载、转载或承运人运用运输契约赋予的权限所作的任何航行上的变更或终止运输契约。

致使被保险货物运到非保险单所载目的地时，在被保险人及时将获知的情况通知保险人，并在必要时加交保险费的情况下，本保险仍继续有效，保险责任按下述规定终止：1．被保险货物如在非保险单所载目的地出售，保险责任至交货时为止，但不论任何情况，均以被保险的货物在卸载地卸离飞机后满三十天为止。

日本财产保险(中国)有限公司：保险前置为客户提供最佳风险
管理方案
蒋安丽
【期刊名称】《《WTO经济导刊》》
【年(卷),期】2012(000)009
【摘要】公司简介日本财产保险（中国）有限公司是由日本财产保险公司在辽宁省大连市注册成立的外商独资保险公司,于2005年3月经中国保监会批准,由日本财产保险公司大连分公司（成立于2003年7月）改建而成。

【总页数】2页(P50-51)
【作者】蒋安丽
【作者单位】
【正文语种】中文
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日本财产保险（中国）有限公司机动车保修责任保险条款总则第一条本保险合同由与本保险合同有关的投保单、保险单、保险条款、批单以及所附的其他文件共同组成。

凡涉及本保险合同的约定，均应采用书面形式。

被保险人第二条在中华人民共和国境内（不含香港、澳门特别行政区和台湾地区，下同）依法设立的具有机动车制造、销售资格的企业，可投保本保险，成为本保险的被保险人。

保险责任第三条在约定的保修期间内，被保险人制造、销售并于保险单载明的机动车（以下简称“被保险机动车”），因为出现产品质量问题，被保险人依法或根据其与消费者订立的三包合同的约定而产生的检验、修理或更换零配件费用，包括工时费、零部件费、材辅料费以及其他保险人与被保险人约定的各项费用，保险人根据本合同的约定，在双方约定的赔偿限额内承担赔偿责任，向被保险人支付保险金。

除外责任第四条除非保险人与被保险人另外有约定，本保险不承保因下列原因引起的损失：（一）任何由地震、海啸、台风、洪水、闪电、暴风雪、龙卷风、暴风雨、地面下沉下陷、崖崩、雪崩、冰雹、泥石流、山体滑坡、沙尘暴及其它自然灾害造成的直接或间接损失；（二）任何由火灾、爆炸、交通事故、碰撞、倾覆、坠落、外部物件倒塌、飞行物体及其它空中运行物体坠落所造成的直接或间接损失；（三）任何由战争、武装行为、敌对行动、军事行为、武装冲突、罢工、骚乱、暴动、恐怖活动、非暴力反抗造成的直接或间接损失；（四）核辐射、核爆炸、核污染或其它放射性污染、大气污染、土地污染、水污染及其它各种污染；（五）第三者的故意行为及其它任何外来事故所致的损失或损坏；（六）被保险机动车所有人、使用人、管理人或驾驶人的故意或不法行为所致的损失或损坏；（七）被保险人、被保险人的代理人或雇员，或者任何修理机构、修理机构的代理人或雇员对被保险机动车进行的不当维修而导致被保证零件损坏的；（八）被保险机动车因自然磨损、自然损耗，大气（气候或气温）变化、正常水位变化或其它渐变原因，霉烂、受潮、鼠咬、虫蛀、鸟啄、氧化、锈蚀、电蚀、渗漏造成的直接或间接损失；（九）被保险机动车及其零配件序列号被摘取或改动；（十）未按照被保险机动车原生产厂在机动车使用操作手册中要求的程序或方法操作被保险机动车；（十一）未在指定的授权维修商处进行维修，或未在指定的授权保养商处进行保养；（十二）在保养过程中造成的损失；（十三）由任何改装引起或造成的损失；（十四）由于使用不合格的燃料、润滑油、冷却液或使用的燃料、润滑油、冷却液型号不符合机动车使用手册要求而引起的机动车损坏，包括但不限于由使用铅替代燃料和低硫的柴油燃料引起的机动车损坏；（十五）召回及由此产生的有关费用及损失；（十六）由已知缺陷或失误所造成的进一步损失和费用；（十七）因被保险机动车产品质量问题导致第三者的人身伤亡及财产损失；（十八）被保险机动车发生故障后，未及时采取有效保护措施，导致进一步扩大的损失；（十九）由本合同载明的除外零配件及其所造成的任何损失；（二十）任何由于更改被保险机动车使用性质导致的损失；（二十一）由电脑病毒、产品调试、软件安装或卸载、千年虫问题造成的损失；（二十二）任何行政行为和司法行为。

日本财产保险（中国）有限公司办公室综合保险条款总则第一条本条款由财产损失保险、租金损失保险、现金保险、公众责任保险、雇主责任保险和通用条款六部分组成。

财产损失保险、租金损失保险、现金保险、公众责任保险、雇主责任保险部分的约定适用于各自部分，通用条款的约定适用于整个保险合同。

保险人在本保险合同下承担的保险责任以保险合同中载明的各相应部分保险金额或赔偿限额为限。

第一部分财产损失保险保险标的第二条本保险合同明细表中列明的保险标的地址范围内的下列财产可作为保险标的：（一）室内装潢；（二）办公家具和非消耗性用品、用具；（三）办公用电子电器和计算机设备（包括便携式计算机设备和便携式照相摄像器材）；（四）存货（包括样品）。

第三条下列财产不属于本保险合同的财产保险标的：（一）金银、珠宝、钻石、玉器、首饰、古币、古玩、古书、古画、邮票、字画、艺术品、稀有金属等珍贵财物；（二）货币、票证、有价证券以及有现金价值的磁卡、集成电路（IC）卡等卡类；（三）文件、账册、图表、技术资料、计算机软件、计算机数据资料等无法鉴定价值的财产；（四）上述第二条（三）以外的其他便携式装置、设备；（五）违章建筑、危险建筑、非法占用的财产；（六）领取公共行驶执照的机动车辆；（七）枪支弹药；（八）动物、植物、农作物。

保险责任第四条在保险期间内，由于自然灾害或意外事故造成保险标的直接物质损坏或灭失（以下简称“损失”），保险人按照本保险合同的约定负责赔偿。

前款原因造成的保险事故发生时，为抢救保险标的或防止灾害蔓延，采取必要的、合理的措施而造成保险标的的损失，保险人按照本保险合同的约定也负责赔偿。

第五条因发生上述保险事故而发生的清除、拆除和支撑受损保险财产的费用，保险人在财产损失之外另行赔偿。

但每次事故该项费用的赔偿金额不超过保险财产损失金额的10%。

第六条保险财产为清洁、维修或其它类似目的而临时移动时，从被保险场所至中华人民共和国境内的任何地方(不包括港、澳、台地区)的往返运输途中，因保险合同本部分所承保的风险发生的损失,保险人负责赔偿。

INSTITUTE CARGO CLAUSES (B)RISKS COVERED1 This insurance covers, except as provided in Clauses 4.5.6 and 7 below,1.1loss of or damage to the subject-matter insured reasonably attributable to1.1.1 fire or explosion1.1.2 vessel or craft being stranded grounded sunk or capsized1.1.3 overturning or derailment of land conveyance1.1.4 collision or contract of vessel craft of conveyance with any external object other than water1.1.5 discharge of cargo at a port of distress,1.1.6 earthquake volcanic eruption or lightning,1.2loss of or damage to the subject-matter insured caused by1.2.1 general average sacrifice1.2.2 jettison or washing overboard1.2.3 entry of sea lake or river water into vessel craft hold conveyance container liftvan or place of storage,1.3 total loss of any package lost overboard or dropped whilst loading on to, or unloading from, vessel or craft.2 This insurance covers general average and salvage charges, adjusted or determined according to the contract of affreightment and/or the governing law and practice, incurred to avoid or in connection with the avoidance of loss from any cause except those excluded in Clauses 4.5.6 and 7 or elsewhere in this insurance.3 This insurance is extended to indemnify the Assured against such proportion of liability under the contract of affreightment “Both to Blame Collision” Clause as in respect of a loss recoverable hereunder. In the event of any claim by ship-owners under the said Clause the Assured agree to notify the Underwriters who shall have the right, at their own cost and expense, to defend the Assured against such claim.EXCLUSIONS4 In no case shall this insurance cover4.1 loss damage or expense attributable to wilful misconduct of the Assured4.2 ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tear of the subject-matter insured4.3 loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subject-matter insured (for the purpose of this Clause 4.3 “packing” shall be deemed to include stowage in a container or liftvan but only when such stowage is carried out prior to attachment of this insurance or by the Assured or their servants)4.4 loss damage or expense caused by inherent vice or nature of the subject-matter insured4.5 loss damage or expense proximately caused by delay, even though the delay be caused by a risk insured against (except expenses payable under Clause 2 above)4.6 loss damage or expense arising from insolvency or financial default of the owners managers charters or operators of the vessel4.7 deliberate damage to or deliberate destruction of the subject-matter insured or any part thereof by the wrongful act of any person or persons4.8 loss damage or expense arising from the use of any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.5.1 In no case shall this insurance cover loss damage or expense arising from unseaworthiness of vessel or craft, unfitness of vessel craft conveyance container or liftvan for the safe carriage of the subject-matter insured, where the Assured or their servants are privy to such unseaworthiness or unfitness, at the time the subject-matter insured is loaded therein.5.2 The Underwriters waive any breach of the implied warranties of seaworthiness of the ship and fitness of the ship to carry the subject-matter insured to destination, unless the Assured or their servants are privy to such unseaworthiness or unfitness.6In no case shall this insurance cover loss damage or expense caused by6.1 war civil war revolution rebellion insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power6.2 capture seizure arrest restraint or detainment (piracy excepted), and the consequences thereof or any attempt thereat6.3 derelict mines torpedoes bombs or other derelict weapons of war.7 In no case shall this insurance cover loss damage or expense7.1 caused by strikers, locked-out workmen, or persons taking part in labor disturbances, riots or civil commotions7.2 resulting from strikes, lock-outs, labor disturbances, riots or civil commotions7.3 caused by any terrorist or any person acting from a political motive.DURATION8.1 This insurance attaches from the time the goods leave the warehouse or place of storage at the place named herein for the commencement of the transit, continues during the ordinary course of transit and terminates either8.1.1on delivery to the Consignee’s or other final warehouse or place of storage at the destination named herein.8.1.2on delivery to any other warehouse or place of storage, whether prior to or at the destination named herein, which the Assured elect to use either8.1.2.1for storage other than in the ordinary course of transit or8.1.2.2 for allocation or distribution.Or8.1.3on the expiry of 60 days after completion of discharge overside of the goods hereby insured from the overseas vessel at the final port of discharge.Whichever shall first occur.8.2 If after discharge overside from the overseas vessel at the final port of discharge, but prior to termination of this insurance, the goods are to be forwarded to a destination other than that to which they are insured hereunder, this insurance, whilst remaining subject to termination as provided for above, shall not extend beyond the commencement of transit to such otherdestination.8.3 This insurance shall remain in force (subject to termination as provided for above and to the provisions of clause 9 below) during delay beyond the control of the Assured, any deviation, forced discharge, reshipment or transhipment and during any variation of the adventure arising from the exercise of a liberty granted to ship-owners or charterers under the contract of affreightment.9 If owing to circumstances beyond the control of the Assured either the contract of carriage is terminated at a port or place other than the destination named therein or the transit is otherwise terminated before delivery of the goods as provided for in Clause 8 above, then this insurance shall also terminate unless prompt notice is given to the Underwriters and continuation of cover is requested when the insurance shall remain in force, subject to an additional premium if required by the Underwriters, either9.1 until the goods are sold and delivered at such port or place, or, unless otherwise specially agreed, until the expiry of 60 days after arrival of the goods hereby insured at such port or place, whichever shall first occur,9.2 if the goods are forwarded within the said period of 60 days (or any agreed extension thereof) to the destination named herein or to any other destination, until terminated in accordance with the provisions of Clause 8 above.10 where, after attachment of this insurance, the destination is changed by the Assured, held covered at a premium and on conditions to be arranged subject to prompt notice being given to the Underwriters.CLAIMS11.1 In order to recover under this insurance the Assured must have an insurable interest in subject-matter insured at the time of loss.11.2 Subject to 11.1 above, the Assured shall be entitled to recover for insured loss occurring during the period covered by this insurance, notwithstanding that the loss occurred before the contract of insurance was concluded, unless the Assured were aware of the loss and the Underwriters were not.12 Where, as a result of the operation of a risk covered by this insurance, the insured transit is terminated at a port or place other than that to which the subject-matter is covered under this insurance, the Underwriters will reimburse the Assured for any extra charges properly and reasonably incurred in unloading storing and forwarding the subject-mater to the destination to which it is insured here under.This Clause 12, which does not apply to general average or salvage charges, shall be subject to the exclusions contained in Clause 4.5.6. and 7 above, and shall not include charges arising from the fault negligence insolvency or financial default of the Assured or their servants.13 No claim for Constructive Total Loss shall be recoverable hereunder unless the subject-matter insured is reasonably abandoned either on account of its actual total loss appearing to be unavoidable or because the cost of recovering, reconditioning and forwarding the subject-matter to the destination to which it is insured would exceed its value on arrival.14.1 If any Increased Value insurance is effect by the Assured on the cargo insured herein the agreed value of the cargo shall be deemed to be increased to the total amount insured under this insurance and all Increased Value insurance covering the loss, and liability under this insurance shall be in such proportion as the sum insured herein bears to such total amount insured.In the event of claim the Assured shall provide the Underwriters with evidence of the amounts insured under all other insurance.14.2 Where this insurance is on Increased Value the following clause shall apply:The agreed value of the cargo shall be deemed to be equal to the total amount insured under the primary insurance and all Increased Value insurances covering the loss and effected on the cargo by the Assured, and liability under this insurance shall be in such proportion as the sum insured herein bears to such total amount insured.In the event of claim the Assured shall provide the Underwriters with evidence of the amounts insured under all other insurances.BENEFIT OF INSURANCE15This insurance shall not inure to the benefit of the carrier or other bailee.MINIMIZING LOSSES16 It is the duty of the Assured and their servants and agents in respect of loss recoverable hereunder16.1 to take such measures as may be reasonable for the purpose of averting or minimizing such loss, and16.2 to ensure that all rights against carriers, bailees or other third parties are properly preserved and exercised and the Underwriters will, in addition to any loss recoverable hereunder, reimburse the Assured for any charges properly and reasonably incurred in pursuance of these duties.17 Measures taken by the Assured or the Underwriters with the object of saving, protecting or recovering the subject-matter insured shall not be considered as a waiver or acceptance of abandonment or otherwise prejudice the rights of either party.A VOIDANCE OF DELAY18 It is a condition of this insurance that the Assured shall act with reasonable dispatch in all circumstances within their control.LAW AND PRACTICE19 This insurance is subject to English law and practice.NOTE: It is necessary for the Assured when they become aware of an even t which is “held covered” under this insurance to give prompt notice to the Underwriters and the right to such cover is dependent upon compliance with this obligation.。

中国保险监督管理委员会关于日本财产保险(中国)有限公司机动车商业保险条款费率的批复文章属性•【制定机关】中国保险监督管理委员会(已撤销)•【公布日期】2007.07.24•【文号】保监产险[2007]966号•【施行日期】2007.07.24•【效力等级】部门规范性文件•【时效性】现行有效•【主题分类】保险正文中国保险监督管理委员会关于日本财产保险（中国）有限公司机动车商业保险条款费率的批复（保监产险〔2007〕966号）日本财产保险（中国）有限公司：你公司《关于使用日本财产保险（中国）有限公司机动车商业保险（2007版）条款费率的请示》（日财中发〔2007〕13号）收悉。

经审核，批复如下：一、同意你公司使用经修订的机动车商业保险条款、费率。

条款编号如下：其中，主险条款编号如下：1、机动车损失保险：B12H03Z01070724；2、机动车第三者责任保险：B12H03Z02070724；3、机动车车上人员责任险：B12H03Z03070724；4、机动车全车盗抢损失险：B12H03Z04070724；5、单程提车损失保险：B12G01Z05070724；6、单程提车第三者责任保险：B12G01Z06070724；7、摩托车、拖拉机保险条款：B12H03Z07070724。

附加险、特约条款编号如下：1、自燃损失险：B12G01F01070724；2、玻璃单独破碎险：B12H03F02070724；3、新增设备损失险：B12G01F03070724；4、车身油漆单独损伤险：B12H03F04070724；5、涉水损失险：B12G01F05070724；6、车轮单独损坏险：B12G01F06070724；7、零部件、附属设备被盗窃险：B12G01F07070724；8、车上货物责任险：B12G01F08070724；9、精神损害抚慰金责任险：B12G01F09070724；10、随车携带物品责任险：B12G01F10070724；11、特种车车辆损失扩展险：B12G01F11070724；12、特种车固定机具、设备损失险：B12G01F12070724；13、道路污染责任险：B12G01F13070724；14、车损免赔额特约条款：B12H03F14070724；15、救援费用特约条款：B12G01F15070724；16、修理期间费用补偿特约条款：B12G01F16070724；17、事故附随费用特约条款：B12G01F17070724；18、更换新车特约条款：B12G01F18070724；19、多次事故免赔率特约条款：B12G01F19070724；20、使用安全带特约条款：B12G01F20070724；21、基本险不计免赔特约条款：B12H03F21070724；22、附加险不计免赔特约条款：B12H03F22070724；23、法律服务特约条款：B12G01F23070724；24、节假日行驶区域扩展特约条款：B12G01F24070724；25、指定专修厂特约条款：B12G01F25070724；26、换件特约条款：B12G01F26070724。