德国2008保险合同法(英文)

英⽂合同中的保险条款（中英⽂）英⽂合同中的保险条款（中英⽂）insurance policy (or certificate)保险单（或凭证）1.risks & coverage险别(1)free from particular average (f.p.a.)平安险(2)with particular average (w.a.)⽔渍险（基本险）(3)all risk⼀切险（综合险）(4)total loss only (t.l.o.)全损险(5)war risk战争险(6)cargo(extended cover)clauses货物（扩展）条款(7)additional risk附加险(8)from warehouse to warehouse clauses仓⾄仓条款(9)theft,pilferage and nondelivery (t.p.n.d.)盗窃提货不着险(10)rain fresh water damage淡⽔⾬淋险(11)risk of shortage短量险(12)risk of contamination沾污险(13)risk of leakage渗漏险(14)risk of clashing & breakage碰损破碎险(15)risk of odour串味险(16)damage caused by sweating and/or heating受潮受热险(17)hook damage钩损险(18)loss and/or damage caused by breakage of packing包装破裂险(19)risk of rusting锈损险(20)risk of mould发霉险(21)strike, riots and civel commotion (s.r.c.c.)罢⼯、暴动、民变险(22)risk of spontaneous combustion⾃燃险(23)deterioration risk腐烂变质险(24)inherent vice risk内在缺陷险(25)risk of natural loss or normal loss途耗或⾃然损耗险(26)special additional risk特别附加险(27)failure to delivery交货不到险(28)import duty进⼝关税险(29)on deck仓⾯险(30)rejection拒收险(31)aflatoxin黄曲霉素险(32)fire risk extension clause-for storage of cargo at destination hongkong, including kowloon, or macao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(33)survey in customs risk海关检验险(34)survey at jetty risk码头检验险(35)institute war risk学会战争险(36)overland transportation risks陆运险(37)overland transportation all risks陆运综合险(38)air transportation risk航空运输险(39)air transportation all risk航空运输综合险(40)air transportation war risk航空运输战争险(41)parcel post risk邮包险(42)parcel post all risk邮包综合险(43)parcel post war risk邮包战争险(44)investment insurance(political risks)投资保险（政治风险）(45)property insurance财产保险(46)erection all risks安装⼯程⼀切险(47)contractors all risks建筑⼯程⼀切险2.the stipulations for insurance保险条款(1)marine insurance policy海运保险单(2)specific policy单独保险单(3)voyage policy航程保险单(4)time policy期限保险单(5)floating policy (or open policy)流动保险单(6)ocean marine cargo clauses海洋运输货物保险条款(7)ocean marine insurance clauses (frozen products)海洋运输冷藏货物保险条款(8)ocean marine cargo war clauses海洋运输货物战争险条款(9)ocean marine insurance clauses (woodoil in bulk)海洋运输散装桐油保险条款(10)overland transportation insurance clauses (train, trucks)陆上运输货物保险条款（⽕车、汽车）(11)overland transportation insurance clauses (frozen products)陆上运输冷藏货物保险条款(12)air transportation cargo insurance clauses航空运输货物保险条款(13)air transportation cargo war risk clauses航空运输货物战争险条款(14)parcel post insurance clauses邮包保险条款(15)parcel post war risk insurance clauses邮包战争保险条款(16)livestock & poultry insurance clauses (by sea, land or air)活牲畜、家禽的海上、陆上、航空保险条款(17)…risks clauses of the p.i.c.c. subject to c.i.c.根据中国⼈民保险公司的保险条款投保……险(18)marine insurance policies or certificates in negotiable form, for 110% full cif invoice covering the risks of war & w.a. as per the people's insurance co. of china dated 1/1/1976. with extended cover up to kuala lumpur with claims payable in (at) kuala lumpur in the currency of draft (irrespective of percentage)作为可议付格式的海运保险单或凭证按照到岸价的发票⾦额110%投保中国⼈民保险公司1976年1⽉1⽇的战争险和基本险，负责到吉隆坡为⽌。

财产保险合同(英文) propertyinsuranceclauseswholedoc.i.thepropertyinsured thepropertyinsuredshallrefertoallpropertiesandexpensesspe- cifiedinthescheduleofthispolicy. unlessspecificallyagreeduponinwritingbetweentheinsuredandthecompanyandappraisedandvalue-establishedbyprofessionalsorassessors,thefollowingarticlesandtheexpensesrelevanttheretoshallnotbe coveredunderthispolicy:1.gold,silver,pearls,diamonds,preciousstonesandjades;2.antiques,articlesofvirtue,ancientcoins,ancientbooksand ancientpaintings;3.worksofartorpostagestamps;4.advertisements,aerials,neon,piecesofsolarenergyapparatusetc.onbuildings;putersystemrecordsoritsmakingandcopyingcosts. undernocircumstancesshallthefollowingarticlesrelevantthereto becoveredhereunder:1.guns,ammunitionorexplosives;2.banknotes,securities,bills,documents,files,accountbooksor drawings;3.animals,plantsandagriculturalcrops;4.mobilephones,portablecomputers,removablephotographapparatus orotherpreciousarticles;5.vehicleslicensedforgeneraltransportuse.ii.scopeofcover thecompanyshallindemnifytheinsuredinrespectofthephysical lossofordamagetotheinsuredpropertystatedinthescheduleduring theperiodofinsurancedirectlyarisingfromthefollowingperils: 1.fire;2.explosion; butnotincludingexplosionofaboilerorotherpressurerelief devices;3.lightning;4.hurricane,typhoonandtornado;5.storm,tempestandflood; butnotincludinglossordamagecausedbychangeinnormalwater levelorinundationfromseawaterorwaterescapeorleakagefromthe normalconfinesofanynaturalwatercourse,lakeorreservoir,canalor damaswellaslossofordamagetotheinsuredpropertycausedbystorm, tempestorfloodwhilebeingstoredintheopenorcoveredbyorundera shedthatchedwithreeds,tarpaulins,straw,asphaltfelt,plasticor nylonsheet;6.hailstorm;ndslide,rockslide,avalanche;8.volcanicexplosion;9.subsidenceofground;butnotincludinglossordamageresultingfrompiledriving, groundworkorexcavation;10.crashingaircraftandpartsorarticlesfallingfromaircraftand otherflyingobjects;11.burstingofwatertankorpipe; butnotincludingburstingofwatertankorpipeduetorust.iii.exclusionsthiscompanyshallnotbeliablefor:1.lossofordamagetotheinsuredpropertyorexpensescausedbyintentionalactorgrossnegligenceoftheinsuredorhisrepresentativ e;2.lossofordamagetotheinsuredpropertycausedandexpenses incurredbyearthquakeortsunami;3.depreciation,lossofmarket,lossofuseandotherconsequential lossesofanydescription;4.lossofordamagetotheinsuredpropertyorexpensesincurredarisingfromwar,warlikeoperation,hostilities,armedconflicts,terrorism,conspiracyinsurrection,coupdetat,strike,riot,andciv ilcommotion;5.confiscation,requisition,destructionordamagebyanyactionor orderofanygovernmentdejureordefactoorbyanypublicauthorities;6.lossofordamagetoinsuredpropertydirectlyorindirectlycausedorexpensesincurredbynuclearfission,nuclearfusion,nuclearweapo n,nuclearmaterial,nuclearradiationandradioactivecontamination;7.lossordamagecausedandexpensesincurredbypollutionofany kindordescriptionwhatsoeversuchasatmosphere,landandwater pollutionsbutthisdoesnotincludelossordamagecausedbypollution arisingfromperilsspecifiedinarticleiithepolicy;8.thedeductiblesstatedinthescheduletobebornebytheinsured;9.lossordamagearisingfromanyotherperilsnotlistedinarticle iiofthispolicy.iv.treatmentofclaim1.thecompanyshallatitsoption,indemnifytheinsuredinrespect oflossordamagefallingwithinthescopeofcoverofthepolicyby either:1.1payingtheamountoftheactualvalueofthepropertylostor damagedor;1.2payingthenecessarycostofrepairingorrestoringthedamaged propertytoitsnearestconditionimmediatelyprecedingthedamageor;1.3repairingorrestoringthedamagedpropertytoaconditionnearto otherpropertyoflikekindandquality.2.indemnityunderthispolicyshallbebaseduponthesoundmarket valueofthepropertyprevailingatthetimeofloss.ifthesoundmarket valueofthedamagedpropertyislowerthanthesuminsuredofsuch property,theclaimshallbesettledonitsmarketvalue;ifthesoundmarketvalueofthepropertyisinexcessofthesuminsured,thecompanyshallonlybeliableforsuchproportionoftheclaimasthesuminsured ofthedamagedpropertybearstoitssoundmarketvalue.iftheinsured propertyenumeratedinthescheduleismorethanoneitem,theprovision ofthisclauseshallapplytoeachthereof.3.ifaclaimforlossofordamagetotheinsureditemissettledon atotallossbasis,thesalvagevalueofsuchitemshallbedeductedfrom theindemnitypayablebythecompany.thecompanymay,atitsoption, declinetheabandonmentofanydamagedpropertybytheinsured.4.intheeventoflossofordamagetoanyequipmentiteminsured formingpartofapairorset,thecompanyshallnotbeliableinrespect ofeachofsuchitemlostordamagedformorethanitsproportionatepart ofthesuminsuredonthecompletepairorset.5.intheeventofanylossoccurrence,thecompanyshallalsopaytheinsuredfortheexpensesreasonablyincurredfortakingnecessarymeas urestominimizelossordamagetotheleastextent,butinnocaseshallsuchexpensesreferredheretoexceedthesuminsuredoftheinsuredproperty.6.uponsettlementofaclaim,anendorsementshallbeissuedbythe companytoreducethesuminsuredcorrespondingtothepropertylostor damagedbytheamountsosettledfromthedateofloss,andnopremium shallberefundedfortheamountsoreduced.ifreinstatementofthesum insuredisrequiredbytheinsureduponsettlementoftheclaim,anadditionalpremiumforthereinstatedamountshallbechargedatanagre edrate,andbecalculatedonproratadailybasisfromthedateoflossto theexpiryoftheinsurance.7.thetimeofvalidityofaclaimunderthisinsuranceshallnot exceedaperiodoftwoyearcountingfromthedateofloss.v.insuredsobligations thefollowingobligationsshallbestrictlyfulfilledbytheinsured andhisrepresentative:1.theinsuredandhisrepresentative,whenapplyingforinsuranceshallmaketrueanswersordescriptionstothequestionsintheproposal andquestionnaireortoanyotherquestionsraisedbythecompany.2.theinsuredandhisrepresentativeshallpaytothecompanyindue coursetheagreedpremiuminthemannerasprovidedinthescheduleand endorsements.3.duringtheperiodofthisinsurance,theinsuredshallathisown expensetakeallreasonableprecautions,includingpayingsufficientattentiontoandputtingintopracticethereasonablerecommendations ofthecompany,prudentlyselectingtheworkmenandemployeesandcomplyi ngwithallstatutoryregulationsandsafetyoperationprocedures.4.intheeventofanyoccurrencewhichgivesormightgiverisetoa claimunderthispolicy,theinsuredorhisrepresentativeshall:4.1notifythecompanyimmediatelyandwithinseven(7)daysoranyfurtherperiodasmaybeagreedbythecompanyinwriting,furnishawrittenreporttoindicatethecourse,probablereasonandextentoflos sordamage;4.2takeallnecessarymeasurestoavoidaggravationofthelossor damageandminimizeittotheleastextent;4.3preservethespotaffectedanddefectivepartsbeforean inspectioniscarriedoutbyarepresentativeorsurveyorfromthe company;4.4furnishallsuchinformationanddocumentaryevidenceasthe companymayrequireforsupportingtheclaim.vi.generalconditions1.policyeffect thedueobservanceandfulfilmentofthetermsandconditionsofthis policyinsofarastheyrelatetoanythingtobedoneorcompliedwithbytheinsuredshallbeaconditionprecedenttoanyliabilityofthecompan yunderthispolicy.2.policyvoidancethispolicyshallbevoidableintheeventofmisrepresentation,misdescriptionornon-disclosuremadebytheinsuredorhisrepresentativeinanymaterialparticularinrespectofthisinsurance.3.policyterminationunlessitscontinuancebeadmittedbythecompanyinwriting,thispolicyshallbeautomaticallyterminatedif:3.1theinsurableinterestoftheinsuredislost;3.2theriskoflossordamageisincreased.afterterminationofthepolicy,thepremiumshallberefundedtotheinsuredcalculatedonproratadailybasisfortheperiodfromthedateofterminationtothedateofexpiry.4.policycancellationthispolicymaybecanceledatanytimeattherequestoftheinsured inwritingorattheoptionofthecompanybygivingafifteen(15)days priornoticetotheinsured.intheformercasethecompanyshallretaina premiumcalculatedonshorttermratebasisforthetimethepolicyhas beeninforcewhileinthelattercasesuchpremiumshallbecalculatedon proratadailybasis.5.forfeitofbenefitiftheclaimisinanyrespectfraudulent,orifanyfraudulentmeans ordevicesareusedbytheinsuredorhisrepresentativetoobtainany benefitunderthispolicyorifanylossordamageisoccasionedbytheintentionalactorintheconnivanceoftheinsuredorhisrepresentativ e,theninanyofthesecases,alltherightsandbenefitsoftheinsured underthispolicyshallbeforfeited,andallconsequentlossesarising therefromincludingtheamountofclaimpaidbythecompanyshallbeindemnifiedbytheinsured.6.reasonableinspection therepresentativeofthecompanyshallatanysuitabletimebe entitledtoattendthesiteandinspectorexaminetheriskexplosureof thepropertyinsured.forthispurpose,theinsuredshallprovidefullassistanceandalldetailsandinformationrequiredbythecompanyasma ybenecessaryfortheassessmentoftherisk.theabovementioned inspectionorexaminationshallinnocircumstancesbeheldasany admissiontotheinsuredbythecompany.7.doubleinsuranceshouldanyloss,damage,expensesorliabilityrecoverableunderthe policybealsocoveredbyanyotherinsurance,thecompanyshallonlybeliabletopayorcontributehisproportionoftheclaimirrespectiveast owhethertheotherinsuranceisarrangedbytheinsuredorothersonhisbehalf,orwhetheranyindemnificationisobtainableundersuchotherinsurance.8.subrogation whereathirdpartyshallbeheldresponsibleforthelossordamagecoveredunderthispolicy,theinsuredshall,whetherbeingindemnifie dbythecompanyornot,takeallnecessarymeasurestoenforceorreservetherightofrecoveryagainstsuchthirdparty,anduponbeingindemnifiedb ythecompany,subrogatetothecompanyalltherightofrecovery,transfe rallnecessarydocumentstoandassistthecompanyinpursuingrecovery fromtheresponsibleparty.9.dispute alldisputesunderthisinsurancearisingbetweentheinsuredandthe companyshallbesettledthroughfriendlynegotiations.wherethetwopartiesfailtoreachanagreementafternegotiations,suchdisputesha llbesubmittedtoarbitrationortocourtforlegalactions.unlessotherwiseagreed,sucharbitrationorlegalactionshallbecarriedout intheplacewherethedefendantisdomiciled.vii.specialprovisionsthefollowingprovisionsshallbeappliedtoallpartsofthispolicyandshalloverridetheothertermsandconditionsofthispolicyifanyconflictarises.propertyinsurancepolicypolicyno.:whereastheinsurednamedinthescheduleheretohasmadetothe______insurancecompany(hereinaftercalled""thecompany"")awritt enproposalwhichtogetherwithanyotherstatementsmadebytheinsuredfo rthepurposeofthispolicyisdeemedtobeincorporatedhereinandhaspaidtothecompanythepremiumstatedintheschedule. nowthispolicyofinsurancewitnessesthatsubjecttothetermsandconditionscontainedhereinorendorsedhereonthecompanyshallindem nifytheinsuredforthelossordamagesustainedduringtheperiodof insurancestatedinthescheduleinthemannerandtotheextent hereinafterprovided.bythe________insurancecompany_________________________authorisedsignaturedateofissue:placeofissue:schedulepolicyno.:andaddressoftheinsured1.1theinsured:1.2address:2.locationofthepropertyinsured:3.natureoftrade:4.insureditemsandsumsinsured: insureditemssumsinsured4.1propertyinsured4.1.1building(s)(includingdecoration): 4.1.2machineryandequipment:4.1.3furnitureandfixture:(includingofficeequipmentandsupplies) 4.1.4stock:4.1.5others:4.2additionalexpenses:4.2.1removalofdebrisfees:4.2.2fireextinguishingexpenses:4.2.3professionalfees:4.2.4otherexpenses:totalsuminsured:5.deductible(anyoneaccident):6.periodofinsurance:___months.from00:00of_________to24:00hoursof______7.premiumrate:totalpremium:8.dateofpayment:9.jurisdiction: thispolicyisgovernedbylawofthepeoplesrepublicofchina.10.specialprovisions: propertyinsurancepolicysschedule_________insurancecompany。

既营销人员销售的保单于第一保单年度可直接计提的佣金；包括个险长险主险、附加险和短期险的首年佣金或手续费。

计算公式如下：FYC=初年度保费× 初年度佣金率指与投保人订立保险合同，并承担赔偿或者给付保险金责任的保险公司。

指与保险公司订立保险合同 ,并按照保险合同负有支付保险费义务的人。

指其身体或生命受保险合同保障，享有保险金请求权的人。

指人身保险合同中由被保险人或者投保人指定的享有保险金请求权的人。

简称保费,指投保人交付给保险公司的钱。

指保险事故发生后被保险人或受益人从保险公司领取的钱。

,指保险公司承担赔偿或者给付保险金责任的最高限额。

简称保单,指保险公司给投保人的凭证 ,证明保险合同的成立及内容。

保单上载有参加保险的种类、时间、保险金额、保险费、保险期限等保险合同的主要内容，保险单是一种具有法律效力的文件。

指保险公司不予理赔的项目 ,如违法行为或故意行为导致的事故。

主险指可以单独投保的保险险种，附加险指不能单独投保，只能附加于主险投保的保险险种 ,主险因失效、解约或满期等原因效力终止或中止时，附加险效力也随之终止或中止。

是一种缴保费方式，指所有保费一次性缴清。

也是一种缴保费方式 ,指每年交一次。

由于长期寿险通常采用均衡保险费 ,投保人交费若干期后，将会形成一定的责任准备金，责任准备金是对被保险人的一种负债。

因此，在解约退保时,退保人需将这部分＂负债"返还给投保人。

保单的现金价值正是以责任准备金为基础计算的。

因投保初期投保人交费少，保单成本摊销大 ,所以前期现金价值很低。

,寿险公司在约定时间内对约定的保险事故负保险责任，该约定的时间称为保险期间,也称保障期，各个不同的险种有不同的保险期间 ,如航空旅客人身意外伤害保险，其保险期间仅为一个航程，如果是终身寿险,保险期间则指被保险人的有生之年。

,即在寿险合同中预先约定的投保人支付保险费的期间,按缴费方式不同可分为一次性缴旨(趸缴) ，年缴等不同方式。

销售合同范本英文保险SALES CONTRACT SAMPLE FOR INSURANCEThis Sales Contract ("Contract") is made and entered into as of [Date] by and between:Seller/Insurance Provider:Company Name: [Provider's Company Name]Address: [Provider's Address]Contact Person: [Provider's Contact Person]Telephone Number: [Provider's Telephone Number]Fax Number: [Provider's Fax Number]Email Address: [Provider's Email Address]Buyer/Policyholder:Name: [Buyer's Name]Address: [Buyer's Address]Contact Person: [Buyer's Contact Person]Telephone Number: [Buyer's Telephone Number]Fax Number: [Buyer's Fax Number]Email Address: [Buyer's Email Address]1. Insurance Policy Details1.1 Policy Name: [Name of the Insurance Policy]1.2 Policy Period: Commencing from [Start Date] and ending on [End Date]1.3 Coverage Limits and Benefits:- [Describe the coverage limits and specific benefits provided under the policy]- [List any exclusions or limitations to the coverage]2. Premium and Payment Terms2.1 The total premium for the insurance policy is [Premium Amount] (inclusive of all taxes and charges).2.2 The buyer agrees to pay the premium in the following manner:- Initial Deposit: A deposit of [Deposit Amount] shall be paid within [Number of Days] days from the effective date of this contract.- Installments (if applicable): The remaining balance shall be paid in [Number of Installments] equal installments of [Installment Amount] each, payable on or before the [Due Date] of each installment.2.3 In the event of late payment, a late fee of [Late Fee Percentage] of the outstanding amount will be charged.3. Obligations and Representations of the Seller3.1 The seller shall provide the insurance coverage as stipulated in this contract and in accordance with the terms and conditions of the insurance policy.3.2 The seller shall handle claims in a prompt and fair manner in accordance with the policy provisions.3.3 The seller represents that it is duly authorized and licensed to provide the insurance services described in this contract.4. Obligations and Representations of the Buyer4.1 The buyer shall provide accurate and complete information to the seller for the purpose of underwriting and policy issuance.4.2 The buyer shall pay the premiums as stipulated in this contract.4.3 The buyer represents that it has disclosed all material facts relevant to the insurance coverage.5. Claims and Settlement5.1 In the event of a claim, the buyer shall notify the seller in writing within [Number of Days] days of the occurrence of the event giving rise to the claim.5.2 The seller shall investigate the claim and make a determination of liability within [Number of Days] days of receiving the claim notification.5.3 The settlement of the claim shall be made in accordance with the policy terms and conditions.6. Termination and Cancellation6.1 This contract may be terminated by either party upon written notice to the other party in the event of a material breach of the contract by the other party.6.2 The seller may cancel the policy in the event of non-payment of premiums or if the buyer provides false or misleading information.6.3 In the event of cancellation by the seller, the buyer shall be entitled to a pro-rata refund of the premium, if applicable.7. ConfidentialityBoth parties agree to keep all information related to this contract and the insurance policy confidential and not to disclose it to any third party without the prior written consent of the other party, except as required by law.8. Governing Law and Jurisdiction8.1 This contract shall be governed by and construed in accordance with the laws of [Jurisdiction].8.2 Any disputes arising out of or in connection with this contract shall be subject to the exclusive jurisdiction of the courts of [Jurisdiction].9. Entire AgreementThis contract constitutes the entire agreement between the parties and supersedes all prior negotiations, understandings, and agreements, whether written or oral.10. AmendmentsAny amendments or modifications to this contract shall be in writing and signed by both parties.IN WITNESS WHEREOF, the parties have executed this Sales Contract as of the date first above written.Seller/Insurance Provider:______________________[Provider's Signature]______________________[Provider's Name and Title]Buyer/Policyholder:______________________[Buyer's Signature]______________________[Buyer's Name]请注意，以上合同仅为示例，您可能需要根据具体的保险产品和交易情况进行修改和调整。

承保风险（风险条款）1 本保险承保保险标的损失或损害的一切风险，但不包括下列第4、5、6和7条规定的除外责任（共同海损条款）2 本保险承保根据运输合同、准据法和惯例理算或确定的共同海损和救助费用，其产生是为了避免任何原因造成的损失或与避免任何原因造成的损失有关，但此种原因不是本保险第4，5，6，7条或其他条文除外的危险（“双方有责碰撞”条款）3 本保险扩展赔偿被保险人诸如下文可补偿的损失方面根据运输合同中的“双方有责碰撞”条款的比例责任部分。

在船东根据此条款提出索赔的情况下，被保险人同意通知保险人，保险人有权自负费用为被保险人对此种索赔提出答辩。

除外责任（普通除外条款）4 本保险决不承保；4.1 可归咎于被保险人的蓄意恶性的损失、损害或费用4.2 保险标的的通常渗漏、通常重量或体积损失、或通常磨损4.3 保险标的的包装或准备不足或不当引起的损失、损害或费用（在本款意义上，“包装”应视为包括集装箱或托盘内的积载，但仅适用于此种积载是在本保险责任开始前进行或是由被保险人或其雇员进行之时）4.4 保险标的固有缺陷或性质引起的损失、损害或费用4.5 迟延直接造成的损失、损害或费用，即使该延迟是由承保风险引起的（但根据上述第2条支付的费用除外）4.6 因船舶的所有人、经理人、承租人或经营人的破产或经济困境产生的损失、损害或费用4.7 因使用原子或核裂变和/或聚变或其类似反应或放射性力量或物质所制造的战争武器产生的损失、损害或费用。

（不适航和不适运除外条款）5 5.1 本保险决不承保损失、损害或费用，如其起因于5.1.1 船舶或驳船不适航5.1.2 船舶、驳船、运输工具、集装箱或托盘对保险标的的安全运输不适合，而且在保险标的装于其上时，被保险人或其雇员对此种不适航或不适运有私谋5.2 保险人放弃载运保险标的到目的港的船舶不得违反默示适航或适运保证，除非被保险人或其雇员对此种不适航或不适运有私谋。

（战争除外条款）6 本保险决不承保损失、损害或费用，如其起因于6.1 战争、内战、革命、造反、判乱或由此引起的内乱或交战方之间的敌对行为6.2 捕获、扣押、扣留、拘禁或羁押（海盗除外），和此种行为引起的后果或进行此种行为的企图6.3 被遗弃的水雷、鱼雷、炸弹或其他被遗弃的战争武器。

探寻中国保险法制改进的路径作者：任自力来源：《北方法学》2012年第05期2012年3月24—25日，由中国保险法学研究会主办、海南大学法学院承办的中国保险法学研究会2012年年会在海南省海口市召开，来自国内保险法学界与实务界的100余名专家学者出席了会议。

本次会议的中心议题是“中国保险市场发展与保险法制完善”，与会代表围绕既定议题进行了深入研讨。

一、保险法司法解释的制定2012年3月22日，最高人民法院向社会发布了《关于适用 中华人民共和国保险法 若干问题的解释（二）》和《关于审理道路交通事故损害赔偿案件适用法律若干问题的解释》征求意见稿。

最高人民法院民二庭庭长宋晓明和应用法学研究所副所长曹守晔分别就两稿发表了自己的见解。

宋晓明指出，保险法司法解释二制定中面临着若干难题，主要包括：第一，对保险法本质特征的理解不够清晰。

第二，保险法的技术性难以把握。

保险经营中的风险控制和赔偿计算等方面都需要以一定技术性术语为基础，保险法的许多规定就是从技术角度对经营活动提出的要求，保险立法和审判实践中如何把握这些技术问题非常重要。

第三，如何协调保险法与合同法间制度设计的关系。

如保险法下合同解除权规定与合同法下合同撤销权规定在实践中的适用与冲突问题。

第四，如何界定保险利益，以及如何协调保护投保人（或被保险人）利益与平等保护市场主体二者的关系等。

曹守晔指出，道路交通事故损害赔偿司法解释（征求意见稿）围绕《道路交通安全法》（简称《道交法》）第76条，对道路交通事故损害赔偿案件的审理作了系统规定，涉及立案受理、证据认定、人身伤亡与财产损失认定、赔偿范围等方面，尤其是对《道交法》规定不够明确、现实中存在较大争议的问题进行了厘清，侧重保护投保人利益。

二、投保人（被保险人）、保险人义务规则的完善在投保人（被保险人）义务规则的完善方面，清华大学法学院傅廷中教授认为，投保人告知义务的履行应采用理性保险人而非理性投保人标准，投保人告知的内容应包括其确定知悉和在商业习惯中推定知悉的、对保险人决定承保或确定保险费率有决定性影响的事项，并应包括“事实性陈述”和“意见性陈述”两个方面。

A New English-Chinese Dictionary Of Insurance最新实用英汉保险词典目录词典正文附录一世界部分保险机构附录二各国或地区货币名称附录三时差表中文索引词典正文A aaccidental death benefit 意外死亡赔偿A rate A费率A&I = accident and indemnity事故与赔偿A&S = accident and sickness insurance意外伤害和疾病保险A.R.; A/R = all risks 1.综合险2. 全险AABD = aid to the aged, blind, and disabled对老年人、盲人和残疾人的救济AAI = accredited adviser in insurance许可保险顾问AAM = Associate in Automation Man- agement自动化管理准会员AAR = against all risks一切险,全险Abandoned merchandize无主货物abandonee受委托的承险人(在海运保险中受保险人委托处理海损财物的保险人) abandonment委付abandonment clause委付条款abandonment cost (水险中的)委付费用abandonment of claim放弃索赔abandonment of right放弃权利abandonment policy取消损失保险保单abatement减免abnormal risk特殊风险above normal loss超常损失abridged life table简易生命表abridgement of damage减少损害赔偿金absolute完全或最终的无条件的裁决absolute assignment绝对委托absolute beneficiary绝对受益人absolute ceiling franchise绝对免赔限度absolute cover绝对保险额absolute deductible franchise rate绝对免赔率absolute liability绝对赔偿责任absolute ownership绝对所有权absolute privilege绝对特权absolute term 1. 绝对期限2.绝对条款absolute total loss绝对损失, 绝对全损abstract摘要卡abuse of process程序滥用abutting coverage 1. 连续保障2.邻期保险单AC = accident意外事故ACA = Associate of Conference of Ac- tuaries in PublicPractice美国赔偿协会准会员ACAS = Associate of Casualty Actuar- ial Society意外精算学会准会员accelerated benefits提前给付(寿险保单附加条款)accelerated endowment加速满期accelerated option加速满期选择权accelerated paid-up or endowment缩短缴费期限或加速满期acceleration clause加速条款acceleration life insurance 1.加速寿险2. 寿险提前给付accelerative endowment加速型两全寿险accept承诺accept a claim接受索赔accept a commission接受委托acceptance承诺accepted reinsurance分入接受再保险accepted value承诺价值accepting office分入公司accession 1. 取得2. 增加accession clause附加条款accessory contract附加合同accessory document附属单据accessory expenses附加费用accessory risk附加险accident意外事故accident and health insurance意外伤害和健康保险accident and indemnity事故与赔偿accident and sickness insurance意外伤害和疾病保险accident beyond control无法控制的意外事故accident control or prevention意外事故控制或防避accident costs事故费用accident damage意外损坏accident data recorder事故资料记录器accident death benefit人寿保险的意外死亡双重赔偿条款accident death insurance意外死亡保险accident frequency意外事故发生率accident frequency rate意外事故发生率accident in handling装卸意外事故accident in shipping装运意外事故accident in stock存仓意外事故accident in transit途中意外事故accident in warehouse仓储意外事故accident insurance意外保险accident policy意外险保单accident prevention事故预防accident rate意外事故率accident report意外报告, 事故报告accident report form意外事故报告单accident severity意外事故强度accident severity rate意外事故强度率accident year事故年accident year experience事故年记录accident year statistics年度意外事故统计资料accidental average意外海损accidental bodily injury意外身体伤害accidental cause意外原因accidental cost意外费用accidental damage意外损失accidental death意外死亡accidental death and dismemberment意外死亡和残疾accidental death and dismemberment benefit意外死亡和断肢结付accidental death and dismemberment insurance意外伤亡和残疾保险accidental death and dismemberment rider意外死亡和断肢附加条款accidental death benefit意外死亡保险金accidental death benefit rideraccidental death benefit rider意外死亡给付附加条款accidental death clause意外死亡保险条款accidental death insurance意外死亡保险accidental dismemberment意外残废accidental force不可抗拒力accidental loss意外损失accidental means突发原因accidental means (death by)意外原因死亡accidental means death benefits意外原因死亡保险accidental way damage途中意外损坏accidents liability insurance意外事故责任保险accidents receivable insurance应收款项保险accommodation融通accommodation line融通业务accommodation party票据融通人accord and satisfaction调解account账务account analysis账务分析account and risk账务和风险account current会计月报告account payable应付账款account receivable应收账款account selling账目销售accountant liability insurance会计师责任保险accountant professional liability in- surance会计师职业责任保险accounting会计accounts receivable bond应收账款担保书accounts receivable insurance应收账款保险accounts receivable policy应收账款保险单accredited adviser in insurance许可保险顾问, 资格保险顾问accrual basis of accounting权责发生会计制accrual of benefits (pension plans)累积保险金(养老金计划) accrued benefit应计给付额accrued benefit cost method应计给付额退休金成本法accrued depreciation应计折旧accumulated dividends累积红利accumulation累积增额给付accumulation at interest dividend option红利累积选择权accumulation benefit累积给付accumulation clause累积给付条款accumulation period累积期间accumulation policy累积给付保单acid and chemical damage policy化学侵蚀保险ACII英国特许保险学会准会员acknowledgement of insurance dec- laration投保声明的回执acquisition agent缔结保险合同代理人acquisition cost 1.展业费2. 新合同成本ACRS加速费用恢复系统act of carriage of goods by sea海上货运条款act of God不可抗力active life reserve生存者责任准备金active trust积极信托actively employed身体合格雇员, 在职雇员activities of daily living日常活动能力actual cash value实际现金价值actual cash value policy实际现金价值保险actual dividends实得红利actual loss rate实际损失率actual present value实际现值actual total loss实际全损actuarial保险统计, 精算actuarial assumption精算假设actuarial basis保险统计计算标准actuarial consultant精算顾问actuarial cost精算成本actuarial cost method精算成本法actuarial evaluation精算估值actuarial experience gains or losses精算损益actuarial liability精算负债actuarial method保险统计法actuarial present value精算现值actuarial rate精算费率actuarial report精算报告actuarial return精算收益率actuarial revaluation gains or losses精算重估损益actuarial science保险统计计算科学actuarial valuation精算评估actuarially reduced annuity精算减额年金actuarially sound安全精算actuary 1.精算师2. 保险统计员actuary enrolled注册精算师ad damnum索赔金额ad valorem duty从价课税AD&D = accidental death and dis- membermentrider意外死亡和断肢附加条款ADB = accidental death benefit意外死亡保险金addendum附约addendum clause条件条款additional call追加保险费additional death benefit附加死亡给付additional expense insurance追加费用保险additional expense-strike罢工险额外费用保险additional expense-war risk战争险附加费用additional extended coverage追加保险additional insurance附加保险additional insured附加被保险人additional liabilities for accidental injury to passenger旅客意外伤害保险额外责任additional optional policy附加的可选择保单additional premium 1.附加保费2. 追加保险费additional provisions追加条款additional reserve for guaranteed re- newable policies续保保单的追加准备金additional term insurance dividend option附加定期保险的红利选择权adequate consideration充分对价adhesion contract附合式合同adhesion insurance contract合意保险合同adjustable life insurance可调整年金保险adjustable premium可调整保费adjusted earnings调整后收益aggregate products liabilityadjusted gross estate调整后总遗产adjusted net gain from operations调整后的经营净收益adjusted net worth调整后净值adjusted premium method调整保费法adjusted taxable gifts调整后应纳税的捐赠adjuster 1. 仲裁人2. (保险公司的)理算员adjustment理算adjustment bureau仲裁机构adjustment coefficient调节系数adjustment expenses理算费用adjustment income调整性收入adjustment of transport loss运输损失的理算adjustment period调整期间adjustment premium经调整的保险费ADL = activities of daily living日常活动能力adminicular evidence辅助证据administer claim解决索赔案件administration bond行政担保administration expenses遗产管理费用administrator遗嘱管理人administrator (pension plan)退休金计划管理人administrator’s deed管理人证书admiralty海事admiralty bond航海保证金admiralty court海事法庭admiralty liability海事责任admitted assets认可资产admitted insurer准允营业的保险人admitted liability 1.公认责任2. 强制责任adult day care成年人全天监护advance discounting for mortality (退休金)预先死亡扣除advance discounting for severance (退休金)提前离职扣除advanced funded pension policy提前筹资的退休年金保险advanced funding提前筹资advanced life and health insurance高级人寿及健康保险advanced life underwriter高级寿险承保人advanced life underwriting高级寿险承保adverse claimants逆向索赔人adverse selection逆选择adverse witness反证人advertisers liability insurance广告商责任保险advice of fate出险事故通知书advisory insurance organizations保险咨询机构AEC附加扩展保险责任AEE附加加速费用aerial insurance空运保险aero insurance 1.飞行保险2.航空保险AFDC = aid families with dependent children未成年儿童家庭救济affidavit of claim请求给付申请书affirmative warranty保证书after-acquired property已获得的抵押资产against all risks一切险, 全险age保险年龄age 100生命表的寿命界限age at issue投保年龄(保单生效时的年龄)age last birthday前次生日年龄法age limits年龄限制age nearest birthday最近生日年龄投保age of majority合法年龄age setback年龄倒退法age-adjusted mortality rate按照年龄调整的死亡率agency 1.代理2. 代理店3.营业处agency agreement or contract代理人协议或合同agency billing代理公司通告agency by ratification经批准的代理机构agency commission clause代理佣金条款agency contract代理契约agency department代理部agency director代理处经理agency experience代理业绩记录agency inspector代理监察agency office代理处agency plant代理系统agency relationship代理关系agency superintendent代理处监督官agency system代理制度agent代理人agent authority代理权限agent commission代理佣金agent qualification laws代理人资格法agent’s authority代理人权限agent’s authority of power代理权限agent’s balance代理人平衡表agent’s certificate代理人报告书agent’s commission代理佣金agent’s letter of record代理人记录文件agent’s license代理人执照agent’s note代理人票据agent’s power代理人权限agent-policy-writing保单签发代理人age-specific death rate特定年龄死亡率age-specific mortality rate特定年龄计算的死亡率aggravated risk劣质业务aggregate amount累计保险金额aggregate annual deductible年免赔金额aggregate claim process累计索赔过程aggregate claims累计索赔aggregate excess contract超额赔款合同aggregate excess of loss cover累积超额赔款再保险aggregate excess of loss reinsurance累积超额赔款再保险, 累积停止损失再保险aggregate indemnities补偿总额aggregate indemnity赔偿总额aggregate limit累积限额, 总限额aggregate limit clause累积限额条款aggregate limit of indemnity累积赔偿限额aggregate method总和法aggregate mortality table综合死亡表aggregate operations liability综合营运责任aggregate products liability 1. 产品责任累积限额2.产品综合责任险aggregate projected benefit cost methodaggregate projected benefit cost method预计给付成本总和法aggregate protective liability总保障责任aggregate reserve总准备金aggregate stop loss reinsurance累积停止损失再保险,累积超额赔款再保险agreed amount clause协议价值条款, 定额条款agreed amount endorsement协议金额批单agreed insured value协定保险价值, 约定保险价值agreed return协议退款agreed value 1.协定保额2. 议定价值agreed value clause议定价值条款agreed value policy议定价值保单agreement协议agreement on reinsurance分保合同agricultural equipment floater农业设备保险单agricultural equipment insurance农业设备保险agricultural insurance农业保险agricultural machinery insurance policy农业机械保险agricultural mutual aid insurance money农业互助保险金agriculture crop insurance农作物保险AIAF = Associate in Insurance Ac-counting andFinance保险会计和财务准会员AIC = Associate in Claims理赔准会员aid families with dependent children未成年儿童家庭救济aid to the aged, blind and disabled对老年人、盲人和残疾人的救济AIM = Associate in Management管理准会员AIME = average indexed monthly earnings指数化月平均收入air bill all risks航空保险全单(货物空运时出具的保险单)air bill of loading航空提单air cargo insurance空运货物保险air cargo liability insurance空运货物责任保险air carriage (FPA)空运货物保险单独海损不赔条款air carriage (WA)空运货物保险单独海损赔偿条款air insurance空运保险air passengers policy旅客航空险air risks航空风险air transport insurance空运保险air transportation all risks航空运输一切险air transportation cargo insurance空运货物保险air transportation cargo war risks航空运输货物战争险air transportation insurance空运保险air transportation risks航空运输险aircraft all risks飞机全险aircraft hull insurance飞机机身保险aircraft liability insurance飞机责任保险aircraft passenger insurance飞机乘客保险aircraft passenger liability insurance飞机乘客责任保险aircraft product liability insurance飞机产品责任保险airplane insurance飞机保险airport liability coverage机场责任保险alarm valve报警阀ALCM = Associate in Loss Control Management损失控制管理准会员alcoholic beverage control laws含酒精饮料控制法alcoholic beverage liability insurance酒精饮料责任保险aleatory射幸性(事件发生的不确定性)aleatory contract射幸合同alien company外来公司alienate转让alienation转让alienation clause转让条款all lines综合业务all lines agency综合保险代理机构all lines insurance综合险保险all marine and war risks一切海运及战争险all risk insurance 1. 一切险保险, 全损险保险2. 综合险保险all risks 1. 综合险2. 全险all risks clause 1. 综合险条款2. 全险条款all risks contract 1.综合险条款2. 全险条款all risks cover 1. 全险保单2.综合险保单all risks for shipment of frozen prod- ucts冷藏货物运输一切险all risks policy一切险保险单all risks whatsoever不论原因的一切险all usual risk一切通常险allegation断言allied lines附加保险all-in insurance全损保险All-Inclusive Trust Deed全括性信托契据all-loss insurance保全险allocated benefits划定给付allocated expenses可分配费用allocated funding instruments个人积存方式allocation分配allocation formula分配方式allocation of plan assets计划资产的分配allocation of plan assets on termination终止时计划资产的分配allowed asset认可资产alpha risk甲级风险alphabet broker字母经济人alphabet house字母公司ALR = actual loss rate实际损失率alteration bond变更保险alterations变更alternate beneficiary备选受益人alternate policy保险副单alternate valuation date备选估价日alternative minimum cost method选择最低成本法alternative minimum tax选择性最低税alternative optional policy替换选择性保险单alternative probability可更替概率always open持续有效amalgamation合并ambiguity含糊Associate in Premium Auditingambulatory可变更的AME = average monthly earnings平均月收入amendment修订American agency system美国代理人制度American Experience Table of Mor- tality美国经验生命表American Men’s Mortality Table美国男性生命表AMMINET = Automated Mortgage Market Information Network自动化抵押市场信息网(全美范围的电子报价系统) amortization分期偿付amortization fund分摊资金, 分期还款基金amortization quota分摊额, 分期偿还比例amortization schedule分期偿付表amortized value摊提价值amount at risk风险保额amount ceded (再保险)分出(保)额amount covered保障金额amount for which loss settled理赔金额amount insured保险金额amount of cession分保额amount of coverage保险金额amount of insurance保险金额amount of insurance in carried实保金额amount of insurance in force有效保险金额amount of insurance required应保金额amount of insurance to value保险金额与保险价值之比amount of loss保险金amount of reinsurance再保险金额amount required最低应保额amount retroceded转分保金额amount secured被保险金额amount subject标的金额AMT = alternative minimum tax选择性最低税AMW = average monthly wage月平均工资analysis分析analysis of property and casualty policy财产和意外保险分析analytic schedule分析表analytic system分析系统analytic system for the measurement of relative firehazard相关火灾风险衡量分析系统anamnesis既往病历anchor policy“锚”标志保单ancillary benefits辅助保险单angle of the V “V”角animal health insurance动物健康保险animal life insurance动物生命保险anniversary date签单周年日annual actuarial cost年精算费用annual aggregate limit年度总限额annual exclusion年除外责任annual expected dollar loss年预期损失额annual financial statement年度财务报表annual insurance policy一年期保险单annual insurance premium年度保险费annual mortgagor statement抵押人年度报表annual payment annuity年支付年金annual pension cost年养老金成本annual policy一年期保险单annual premium年度保险费annual premium annuity年缴保险费年金annual premium deferred annuity延期年缴保险费年金annual rate年费率annual renewable agreement年续保协议annual renewable term每年可续保保险annual report年度报告annual report summary年度报告摘要annual return年报告annual statement年度报表annual supplemental cost年附加成本annual transit insurance年度货物运输保险annualization年度化annualized年度化annually renewable term每年可续保条款annuitant年金领取人annuity 1. 年金2. 年金合同annuity age change变化年金年龄annuity analysis年金分析annuity assurance年金人寿保险annuity certain确定年金annuity consideration年金对价annuity contract年金保险合同annuity due首期年金annuity for life终身年金annuity forms年金形式annuity insurance年金保险annuity method 年金法annuity mortality table年金生命表annuity of life终身年金annuity period年金给付期间annuity purchase rate年金购买率annuity rate年金率annuity retirement退休年金annuity risk年金风险annuity table年金表Annuity Table for 1949 1949年年金表annuity tables年金生命表annuity units年金基数annuity with minimum period最短期限年金, 保证期限年金annul撤销, 宣告无效answer答辩antecedent先时的, 在前面的, 在……之先antedate提前日期anti-cancellation laws反注销法anticipated mortality死亡率预测anti-coercion laws反强制法anti-compact laws反协定法anti-discriminatory laws反差别法anti-rebate law(s)反保费回扣法anti-selection逆选择anti-trust laws反垄断法AP = additional premium 1. 附加保费2. 追加保险费AP = annual premium年度保险费APA = Associate in Premium Auditing保险费审计准会apartment package policy员apartment package policy公寓一揽子保险单apartment policy公寓保险单APBM累积计划给付方法APIP附加个人伤害保障APL自动垫缴保费app. = application申请, 投保apparent agency表面代理apparent authority表面代理权appeal bond上诉保证书appellant上诉人appellate court上诉法院Appleton Rule阿普莱顿规则applicant投保人applicant for insurance投保人application 1. 申请, 投保2.投保单application agent投保代理人application for insurance投保申请书application for marine insurance水险投保书application for open policy预约保险单申请书application form投保书appointment委托appointment of trustees for terminated plan指定终止计划受托人appointment papers委托文件apportionable annuity比例年金apportionment比例分配apportionment clause比例分配条款appraisal估价appraisal clause估价条款appraisal inventory估价财产清单appraisal of damage 1. 损失评估2. 损失赔偿评定appraisal surplus估价盈余appraisements估价appraiser估价人appreciation增值approach接近方法appropriated surplus特别公积金approval承保approved合格的approved roof合格屋顶appurtenant structures附属建筑物APS = attending physician’s statement主治医生报告arbitration clause仲裁条款arbitrator仲裁人architects and engineers professional liability insurance建筑师、工程师职业责任保险architects inspection certificate建筑师检验证书architectural specifications建筑计划书area of origin起源地ARM = Associate in Risk Management 风险管理准会员arm’s length transaction正常商业交易armored car and messenger insurance武装车辆及专送保险Armstrong investigation阿姆斯特朗调查ARP = Associate in Research and Planning调查和规划准会员arranged total loss协议全损arrears保费延滞arrears and advances滞缴与预缴arrest拘留arrest bond拘留保险arrived damaged value目的地毁损价值arrived sound value目的地完好价值arson纵火arson clause火险保单中关于自行纵火不予赔偿的条款arsonist纵火犯ART = annually renewable term每年可续保条款art glass policy美术玻璃保险单as expiry原样续保as interest may appear视可保利益出现而定as original同原保险as per original照原保险单率ascertainment of indemnity确定赔偿assailing thieves攻击性盗贼assce = assurance保险assessable insurance可估价保险assessable mutual可估价相互公司assessable premium insurance company 估价保费相互保险公司assessed value估定价值assessment追征金assessment clause保费追缴条款assessment company赋课型公司assessment insurance赋课型保险, 摊派保险assessment insurer赋课型保险人assessment of damage goods破损货物的估价assessment of loss损失的估价assessment of the amount of redemp- tion估算偿还额assessment of value估价assessment period保费追缴期assessment plan摊派保险assessment rolls摊派税款清册assessment society赋课型友爱社assessor财产估价人asset and liability matching资产负债配比asset and liability risk 资产负债风险asset share method资产份额法asset share values资产份额价值asset sufficiency or insufficiency资产充分或不充分asset valuation资产评估assets资产assets and valuation资产与评估assets insurance资产保险assets share资产份额assign转让assigned claims转让赔款assigned claims plan转让赔款计划assigned risk分派风险, 强制接受的业务assigned risk plan分派风险计划assignee受让人assignment转让assignment clause (life insurance)寿险转让条款assignment of benefits保险金转让assignment of life policy人寿保险的转让automobile insurance plansassignment of policy保险单转让assignor转让人assigns受让人assisted living facilities辅助生活设施associate captive协会自保associate degree in risk management风险管理助理Associate in Automation Management自动化管理准会员Associate in Claims理赔准会员Associate in Insurance Accounting and Finance保险会计和财务准会员Associate in Loss Control Management损失控制管理准会员Associate in Management管理准会员Associate in Premium Auditing保险费审计准会员Associate in Research and Planning调查和规划准会员Associate in Risk Management风险管理准会员Associate in Underwriting准承保会员Associate of Casualty Actuarial Society意外精算学会准会员Associate of Conference of Actuaries in Public Practice美国赔偿协会准会员association captive联合专属保险人association group协会集团association group plans协会集团计划association insurance协会团体保险assume接受, 承担assumed interest rate (人寿保险)预定利率assumed liability policy承担责任保险assumed loss ratio预定损失率assumed mortality rate (人寿保险)预计死亡率assumed reinsurance承继再保险assuming company分入公司assumption承担assumption agreement承担协议assumption certificate承担证明书assumption endorsement承担背书assumption fee承担费assumption of mortgage承担抵押assumption of risk风险承担assumption reinsurance承担再保险assumptions假设assurance保险assurance law保险法assurance on aviation航空保险assurance on death死亡保险assured被保险人assurer保险人at occupation职业事故atomic energy commission原子能佣金atomic energy reinsurance原子能再保险attach起保attachment 1. 附保2. 扣押attachment date责任开始日attachment of risk保险责任开始attained age达到年龄attained age conversion达到年龄转换attending physician’s report护理医生报告attending physician’s statement主治医生报告attestation clause证明条款attorney代理人, 律师attorney in fact委任代理人attorney-at-law律师auction拍卖auctioneer’s bond拍卖人保证audit审计audit bureau审计局audited premium审定保险费auditor审计员authority to terminate plan终止计划权authorization核准authorized company授权公司authorized insurer授权保险人auto tax汽车税Automated Mortgage Market Information Network自动化抵押市场信息网(全美范围的电子报价系统)automatic builders risk form自动船舶建造险保单automatic cost-of-living increase生活费自动增加automatic cover自动承保automatic coverage自动保障automatic increase in insurance en- dorsement保险批单的自动增加automatic non-proportional reinsurance自动非比例再保险automatic paid-up自动缴清automatic premium loan provision自动垫缴保费条款automatic proportional reinsurance自动比例再保险automatic reinstatement自动续保automatic reinstatement clause 1.保险金额自动恢复条款2. 自动续保条款automatic reinsurance自动再保险automatic reinsurance treaty自动再保险合同automatic restoration自动恢复automatic sprinkler自动喷淋灭火系统automatic sprinkler clause自动喷淋设备条款automatic termination clause自动终止条款automatic termination of cover clause自动销保条款automatic treaty自动再保险合同automobile assigned risk insurance plan汽车分派风险保险计划automobile assurance汽车保险automobile collision汽车碰撞automobile comprehensive汽车综合险automobile death and disability coverage汽车死亡和残疾保险automobile death indemnity coverage汽车死亡补偿保险automobile fleet汽车队automobile insurance汽车保险automobile insurance (comprehensive)汽车(综合)保险automobile insurance (drive other cars) (驾驶其他汽车的)汽车保险automobile insurance (hired cars) (租用)汽车保险automobile insurance (non-owner liability) (非所有权责任)汽车保险automobile insurance plans汽车保险计划automobile liabilityautomobile liability汽车责任automobile liability excess policy汽车责任超额保险automobile liability insurance汽车责任保险automobile liability insurance certifi- cate汽车责任保险证明书automobile liability policy汽车责任保险单automobile medical payment insur- ance汽车医疗给付保险automobile physical damage insurance汽车车身保险automobile reinsurance facility汽车再保险计划automobile shared market汽车共有市场automobile theft汽车盗窃automobile, boat and aircraft insur- ance汽车、船舶和飞机保险auxiliary fund辅助基金avail (of contract) (合同上的)利益avenues of fire spread火灾蔓延途径average海损average adjuster海损理算员, 海损理算师average adjustment海损理算average agent海损代理人average agreement财损协议书average blanket rate一揽子平均费率average bond共同海损承付保证书average claim size平均索赔额average clause 1. 海损条款2.水渍险条款average distribution clause平均分配条款average earnings clause平均收入条款B.D.I. = both days inclusive含生效日及到期日B/L = bill of lading提单b’lading = bill of lading提单back-date倒填日期back-end loaded期末费用backload撤离费bad debts policy坏账保险单bad odor恶味险bad risk风险大的保险baggage insurance行李保险bail保释金bailee (财物的)受托人bailee clause受托人条款bailee’s customers insurance受托人顾客保险bailees insurance受托人保险bailees liability insurance受托人责任保险bailer委托人, 寄托人bailment (财物的)委托人bailor寄托人bailor’s property insurance寄托人财产保险balance余额balance sheet资产负债表balance sheet reserves (退休金)平衡表准备金balance sheet reserves plan (退休金)平衡表准备金计划balanced security平衡保障balancing charge差额税balancing charge insurance差额税保险average indexed monthly earnings指数化月平均收入average loss clause平均损失条款average monthly earnings平均月收入average monthly wage月平均工资average net cost平均纯费用average pay plan平均工资基准型退休金计划average policy 1. 填补保险单2. 海损保险单average premium平均保费average rate平均费率average risk平均风险average semi-private rate平均半私人费率average statement海损理算书average weekly benefits平均周给付average weekly wage平均周工资aviation accident insurance航空意外事故保险aviation clause航空条款aviation exclusion航空险除外责任aviation hazard航空风险aviation hull insurance航空机体保险aviation insurance航空保险aviation passenger accident insurance航空乘客意外事故保险aviation personal accident insurance航空人身意外事故保险aviation trip life insurance航空航程人身保险avoidance防避avoidance policy保单无效award仲裁赔偿B bbank burglary and robbery insurance银行失窃及抢劫保险bank check plan银行支票计划bank loan insurance银行贷款保险bank loan plan银行贷款计划bank trusted retirement plan银行信托退休计划bankers blanket bond银行综合保证保险Banking Act of 1933 (美)1933年银行法bankrupt破产bankruptcy宣告破产BAP = business automobile policy商业汽车保单barge retention驳船险扣存保险费barratry不法行为, 故意损害行为base pay基本工资base premium基线保险费base rate基本费率baseline data基线数据basic auto policy基本汽车保险单basic benefits (basic hospital plan)基本住院福利计划basic insurance基本险basic limit基本限额basic limits of liability基本责任限额Basic Medical Insurance Plan基本医疗保险计划basic premium基本保费basic rate基础费率basic specification基本项目表basic split-dollar plan基本保费分摊计划branch office systembasic time frame基期basis for claim索赔依据basis rate基本费率batch clause整批条款Bayes’Theorem贝叶斯定理Bayesian approach 贝叶斯方法bearer policy持有人保险单beauty parlor public liability insurance美容院公共责任保险before-tax earnings税前所得beneficial interest受益权beneficiary受益人beneficiary change变更受益人beneficiary clause受益人条款beneficiary of trust信托受益人benefit 1.保险赔偿费2. 给付3. 利益, 津贴benefit for child of retired worker退休工人子女给付benefit for disabled child of deceased, disabled, or retiredworker已故、残废或退休工人的残疾子女年金给付benefit for disabled widow or widower-age 50~62 50~62岁残疾鳏寡年金给付benefit formula给付方式benefit of business life and health in- surance企业主管人员保险benefit of insurance保险利益benefit of insurance clause保险利益条款benefit of salvage保险利益条款benefit package福利范围benefit payable应付养恤金benefit period给付期限benefit planning保险给付计划benefit policy定额保单benefits department理赔部, 给付部bequest遗赠BERI = Business Environment Risk Index企业环境风险指数betterment insurance改良保险bid bond投标押金, 投标保证金bilateral contract双边合同, 双边契约bill of lading提单billed claims保户医疗账单binder 1.暂保单2. 暂时契约3. 承保协议binding authority限制权限binding clause限制条款binding receipt承保收据binding slip暂保单binomial distribution二项分布biometric functions生命函数birth rate出生率blackout period福利脱接期blank rate总括保险费率blanket accident medical expense总括意外医疗费用blanket bond总括保证保险blanket contract一揽子合同blanket coverage总括保险blanket crime endorsement总括犯罪保单blanket crime policy总括犯罪保单blanket fidelity bond总括忠诚保证保险blanket form一揽子保险blanket honesty bond总括诚实保险blanket insurance总括保险blanket limit总限额blanket medical expense insurance总括医疗费用保险blanket policy统保单, 总括保险单blanket position bond一揽子职业保险blanket rate总括保险费率blanket retrocession总括转分保blind treaty全权委任合约blinder暂保单block insurance (多批相同货)统保block limit地段限额block policy统保单, 综合保单Blue Cross, Blue Shield subscriber蓝十字、蓝盾计划加入者blue list蓝表Blue Plan蓝十字保险计划board insurer委员会保险人bobtail liability insurance短尾巴责任保险bodily injury人身伤害bodily injury insurance人身伤害保险bodily injury liability insurance人身伤害责任保险boiler and machinery insurance锅炉及机器保险boiler insurance锅炉保险bond 1. 保证2. 保证会bond insurance 1.保证保险2. 债券保险bonding company 1.保证公司2. 担保公司bonding insurance保税保险bonds保证保险bonus certificate保险公司给予保险人的红利证明书bonus funding额外所得基金bonus loading附加保险费book debts insurance应收账款保险book of business保户总账册book value账面价值book value per common share普通股每股账面价值BOP = business owners policy企业所有人保险bordereau业务报表borderline risk临界危险borrowing authority of pension benefit guaranty。

有关财产保险合同范本(英文)5篇篇1Property Insurance ContractThis Property Insurance Contract is made and entered into by and between the Insured and the Insurer, on the terms and conditions stipulated below:INSURED:Name of the Insured: ______________________________Address: _________________________________________Contact Information: ______________________________INSURER:Name of the Insurer: ______________________________Address: _________________________________________Contact Information: ______________________________INSURED PROPERTY:The property to be insured is located at the following address: _____________________________and includes, but is not limited to, the following items: buildings, machinery, equipment, stock, goods, fixtures, furniture, and other assets listed in the Schedule of Insurance.COVERAGE:This insurance covers risks specified in this contract, including fire, explosion, earthquake, windstorm, hail, aircraft collision, and other natural disasters as per Schedule of Coverage. Exclusions to coverage are specified in Section X.PERIOD OF INSURANCE:The period of insurance begins on ________________ and ends on _________________.PREMIUMS:The premium for this insurance contract is ______________ and shall be paid in full prior to the effective date of the contract. Any outstanding premium will be subject to late payment charges and/or cancellation of the contract.DUTIES OF THE INSURED:The Insured shall:(a) pay all premiums due;(b) take reasonable care of the insured property;(c) comply with all terms and conditions of this contract;(d) notify the Insurer immediately of any changes in the insured property or circumstances that may affect the risk;(e) provide reasonable assistance in case of loss or damage.DUTIES OF THE INSURER:The Insurer shall:(a) pay claims in accordance with the terms of this contract;(b) provide coverage as specified in this contract;(c) promptly investigate claims upon receipt of notice from the Insured;(d) keep the Insured reasonably informed of the status of claims.INSURED'S WARRANTIES:The Insured hereby warrants that the statements made in this application for insurance are true and correct. The Insured shall notify the Insurer of any changes that may affect the riskcovered under this contract. Failure to do so may result in cancellation of coverage or denial of claims.EXCLUSIONS: (Section X)This insurance does not cover losses resulting from wars, nuclear accidents, terrorism, radioactive contamination, rust or deterioration unless otherwise specified in the Schedule of Coverage. Additionally, any loss or damage caused by the negligence or intentional act of the Insured is excluded from coverage.SETTLEMENT OF CLAIMS:In case of loss or damage, the Insured shall notify the Insurer immediately. The Insurer shall investigate and settle claims promptly upon receipt of necessary documents and information from the Insured. The settlement shall be made in accordance with the terms and conditions of this contract and any applicable laws.MISCELLANEOUS:This contract shall be governed by the laws of the State where it is executed. Any dispute arising out of or in connection with this contract shall be settled amicably through negotiation or mediation. If negotiation or mediation fails, the parties may seek resolution through arbitration or legal proceedings.Please note that this is a general template for a Property Insurance Contract and may need to be customized to meet specific requirements and circumstances. It is recommended to have legal professionals review and amend this contract before finalizing it.Both parties have read and understood this Property Insurance Contract and agree to its terms and conditions.Signature of Insured: _________________________Date: _________________________Signature of Insurer: _________________________Date: _________________________[此处可添加附件，包括但不限于保险条款、保单明细表等]篇2Property Insurance ContractThis Property Insurance Contract is entered into by and between the Insurance Company and the Insured, and is made in accordance with the relevant laws and regulations.I. Contracting Party1. Insurance Company: _________________ (Name of the Insurance Company)2. Insured: _________________ (Name of the Insured)II. Insurance PropertyThe property to be insured is located at _________________ (Address) and includes, but is not limited to, the following:__________________ (Description of the property to be insured).III. Insurance CoverageThe insurance covers losses or damages to the insured property caused by the following risks: (列举保险涵盖的风险，如火灾、暴风雨、盗窃等).IV. Not CoveredThis insurance does not cover losses or damages caused by the following events: (列举不涵盖的风险，如地震、核辐射等).V. Insurance PeriodThe insurance period begins on _________________ (Start Date) and ends on _________________ (End Date).VI. PremiumThe premium for this insurance is _________________ (Amount) payable by the Insured to the Insurance Company.VII. Claims SettlementIn case of any loss or damage to the insured property, the Insured shall immediately notify the Insurance Company and provide necessary documents and information to support the claim. The Insurance Company shall investigate and settle the claim in accordance with the terms and conditions of this contract.VIII. Termination of ContractThis contract may be terminated by either party giving a written notice to the other party before the end of the insurance period. The notice should be given at least _________________ (Number of Days) days before the end of the insurance period.Upon termination, the unused portion of the premium shall be refunded by the Insurance Company to the Insured.IX. Miscellaneous1. This contract is made in both English and Chinese, with equal validity. In case of any discrepancies between the two versions, the English version shall prevail.2. This contract is governed by the laws of _________________ (Country/Region). Any disputes arising out of or in connection with this contract shall be settled through friendly negotiation. If no settlement can be reached, either party may submit the dispute to _________________ (Court/Arbitration Institution) for resolution.3. Any amendments or modifications to this contract must be made in writing and agreed upon by both parties. Such amendments or modifications shall be an integral part of this contract.4. This contract shall come into force upon being signed and sealed by both parties. A copy of this contract shall be retained by each party for record.Insurance Company: __________________ (Signature)Date: _________________Insured: __________________ (Signature)Date: _________________篇3Property Insurance ContractThis Property Insurance Contract is made and entered into by and between the Insurance Company and the Insured, where the Insurance Company agrees to provide insurance coverage for the property of the Insured as specified in this Contract.Party of the First Part (Insurance Company)Party of the Second Part (Insured)Article 1: Contract ObjectThe subject matter of this Contract is the insurance of property located at the specified address owned or occupied by the Insured.Article 2: CoverageThe Insurance Company shall cover the following risks:1. Fire, explosion, lightning, earthquake, windstorm, hail, flood, burst of water tanks/pipes and other natural disasters.2. Riots, strikes, malicious damage, vehicle accidents (excluding those involving the Insured’s own vehicles unless specifically covered).3. Glass breakage due to external factors.4. Accidental damage to property while in transit by land, water or air.(Other specific coverages may be added as per the needs of the Insured and agreed upon by both parties.)Article 3: ExclusionsThe following are not covered by this insurance:1. Intentional damage or loss caused by the Insured or any member of their household.2. Deterioration, wear and tear, and other gradual processes.3. Loss or damage due to nuclear reactions, radioactive contamination, war, invasion, acts of foreign enemies, civil war, military operations, confiscation or requisition.(Other exclusions may be added based on standard practice and mutually agreed upon by both parties.)Article 4: Insurance PeriodThe insurance shall be valid from the Effective Date stated in this Contract until the Termination Date, unless otherwise terminated in accordance with the terms of this Contract.Article 5: PremiumThe Insured shall pay the premium specified in this Contract to the Insurance Company in full and on time.Article 6: ClaimsIn case of loss or damage to the insured property, the Insured shall immediately notify the Insurance Company in writing and furnish all necessary documents and information to support their claim. The claim shall be settled in accordance with the terms and conditions of this Contract.Article 7: Settlement of ClaimsThe Insurance Company shall, after verifying the claim and documents presented by the Insured, make payment in accordance with the terms of this Contract. Any disputes shall be resolved in accordance with the laws of the jurisdiction where this Contract is executed.Article 8: TerminationThis Contract may be terminated by either party giving a written notice to the other party at least [specify a period] prior to the intended date of termination. In case of default by the Insured in payment of premium or if the insured property is transferred without notifying the Insurance Company, this Contract shall be automatically terminated.Article 9: MiscellaneousAny amendments or modifications to this Contract shall be made in writing and signed by both parties. This Contract shall be governed by and interpreted in accordance with the laws of [specify jurisdiction]. Any disputes arising out of or in connection with this Contract shall be settled through friendly negotiations. If no settlement can be reached, either party may submit such disputes to [specify court/tribunal] for resolution.The parties have read and understood all the terms and conditions stated in this Contract and agree to be bound by them. This Contract is made in duplicate, with each party retaining a copy for their records.Signed and sealed by both parties on ________________ (Date).Insurance Company: _________________________ (Signature)Insured: _________________________ (Signature)篇4Property Insurance ContractThis Property Insurance Contract is made and entered into by and between the Insurance Company and the Insured, where the Insurance Company agrees to provide insurance coverage for the property of the Insured as specified in this Contract.Party of the First Part: Insurance CompanyParty of the Second Part: InsuredArticle 1: Contract PurposeThe purpose of this Contract is to provide insurance coverage for the property of the Insured, as specified in Article 3, in exchange for the premium paid by the Insured to the Insurance Company.Article 2: Coverage2.1 The Insurance Company shall cover the property specified in Article 3 against risks such as fire, theft, explosion, natural disasters, and other risks listed in the Contract.2.2 The coverage shall be subject to the terms, conditions, and limitations set out in this Contract.Article 3: Insured PropertyThe property to be insured shall include [specific property details], located at [address], with a total value of [amount] and detailed schedule attached to this Contract.Article 4: PremiumThe Insured shall pay the premium specified in the Contract Schedule in a timely manner.Article 5: Claims5.1 In case of any loss or damage to the insured property, the Insured shall immediately notify the Insurance Company in writing.5.2 The claim shall be supported by relevant documents and evidence.5.3 The Insurance Company shall investigate and settle the claim in accordance with the terms of this Contract.Article 6: ExclusionsThis insurance does not cover losses caused by wars, nuclear risks, deliberate acts of destruction, or other exclusions specified in this Contract.Article 7: TerminationThis Contract may be terminated by either Party giving a written notice to the other Party. The termination shall be effective upon the expiry of the notice period.Article 8: General Provisions8.1 Both Parties shall comply with the terms and conditions of this Contract.8.2 Any amendment to this Contract shall be made in writing and signed by both Parties.8.3 This Contract shall be governed by the laws of [specify jurisdiction].8.4 Any dispute arising out of or in connection with this Contract shall be settled through friendly negotiation. If no settlement can be reached, either Party may submit the dispute to [specify court/arbitration body] for resolution.Article 9: Miscellaneous9.1 This Contract shall be signed by both Parties and shall come into force on the date specified in the Contract Schedule.9.2 This Contract shall be deemed valid for the period specified in the Contract Schedule.9.3 Both Parties shall keep this Contract and its related documents confidential.In witness whereof, the Parties have signed this Contract on the dates specified below:Insurance Company: _________________ Date:_________________Insured: _________________ Date: _________________(This Contract is in English only for clarity and convenience; if there is any ambiguity or inconsistency between English and translated versions, the English version shall prevail.)注意：以上合同仅为模板，实际应用时需要根据具体情况进行修改和完善。

中美大都会人寿保险有限公司附加附加如意如意如意三保三保三保长长期意外伤害期意外伤害保险保险保险（（2008版）条款中美大都会中美大都会人寿人寿人寿（（2009）第182号文呈报中国保险监督管理委员会备案阅 读 指 南本阅读指南本阅读指南为帮助为帮助为帮助您理解您理解您理解本本条款条款而设而设而设，，对保险合同内容的解释以条款为准您拥有的重要权利您有权解除保险合同您有权在签收保险合同后10天内解除合同，并获取全额退还的保险费..........第十三条 您指定的受益人可以享受保险合同项下的保障利益.............................第三条您应当特别注意的事项在特定情况下，我们不承担保险责任，并作了显著标识，请您注意第三、四、九、十三、十五条 解除合同会给您造成一定的损失，请您慎重抉择.............................第十三条 您应当按时支付保险费.....................................................第八条 我们对一些重要术语进行了解释，并作了显著标识，请您注意.................第十六条目录第一条 附加保险合同的构成 (1)第二条 承保范围 (1)第三条 保险责任 (1)第四条 责任免除 (3)第五条 保险合同成立与生效 (3)第六条保险期间 (3)第七条 基本保险金额 (4)第八条 保险费的支付 (4)第九条 宽限期 (4)第十条 受益人 (4)第十一条 保险金申请 (5)第十二条 诉讼时效 (6)第十三条 您解除合同的手续及风险 (6)第十四条合同终止 (6)第十五条 职业、工种或环境变更 (6)第十六条 释义 (7)中美大都会人寿保险有限公司附加附加如意如意如意三保三保三保长长期意外伤害意外伤害保险保险保险（（2008版）条款第一条第一条 附加附加保险保险保险合同的构成合同的构成合同的构成《中美大都会人寿保险有限公司附加如意三保长期意外伤害保险（2008版）》合同（以下简称“本附加合同”），依《中美大都会人寿保险有限公司如意三保定期两全保险（2008版）》合同（以下简称“主合同”）投保人的申请，经我们同意而订立。

INSTITUTE CARGO CLAUSES (C)RISKS COVERED1. This insurance covers, except as provided in Clauses 4, 5, 6 and 7 below,Risks Clause1.1 loss 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 contact of vessel craft or conveyance with any externalobject other than water1.1.5 discharge of cargo at a port of distress,1.2 loss or damage to the subject-matter insured caused by1.2.1 general average sacrifice1.2.2 jettison.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. General Average Clause3.This insurance is extended to indemnify the Assured against such proportion of liability under the contract of affreightment "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 claim. "Both to Blame Collision" ClauseEXCLUSIONS4. In no case shall this insurance coverGeneralExclusionsClause4.1 loss damage or expense attributable to wilful misconduct of the Assured4.2 ordinary leakage, ordinary loss in weight or volume, or ordinary wear and tearof the subject-matter insured4.3 loss damage or expense caused by insufficiency or unsuitability of packing orpreparation 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 onlywhen such stowage is carried out prior to attachment of this insurance or by theAssured or their servants)4.4 loss damage or expense caused by inherent vice or nature of the subject-matterinsured4.5 loss damage or expense proximately caused by delay, even though the delay becaused 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 theowners managers charterers or operators of the vessel4.7 deliberate damage to or deliberate destruction of the subject-matter insured orany 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 employingatomic or nuclear fission and/or fusion or other like reaction or radioactive forceor matter.5. 5.1 In no case shall this insurance cover loss damage or expense arising fromUnseaworthinessand Unfitness unseaworthiness of vessel or craft,Exclusion Clause unfitness of vessel craft conveyance container or liftvan for the safe carriageof the subject-matter insured,where the Assured or their servants are privy to such unseaworthiness orunfitness, at the time the subject-matter insured is loaded therein.5.2 The Underwriters waive any breach of the implied warranties of seaworthinessof the ship and fitness of the ship to carry the subject-matter insured todestination, unless the Assured or their servants are privy to suchunseaworthiness or unfitness.6. In no case shall this insurance cover loss damage or expense caused byWar ExclusionClause6.1 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, and the consequences thereof orany attempt thereat6.3 derelict mines torpedoes bombs or other derelict weapons of war.7.In no case shall this insurance cover loss damage or expenseStrikesExclusion7.1 caused by strikers, locked-out workmen, or persons taking part in labourdisturbances, riots or civil commotionsClause7.2 resulting from strikes, lock-outs, labour disturbances, riots or civil commotions7.3 caused by any terrorist or any person acting from a political motive.DURATION8. 8.1 This insurance attaches from the time the goods leave the warehouse orplaceof storage at the place named herein for the commencement of the transit,continues during the ordinary course of transit and terminates eitherTransit Clause8.1.1 on delivery to the Consignees' or other final warehouse or place ofstorage at the destination named herein,8.1.2 on delivery to any other warehouse or place of storage, whether prior toor at the destination named herein, which the Assured elect to useeither8.1.2.1 for storage other than in the ordinary course of transit or8.1.2.2 for allocation or distribution,or8.1.3 on the expiry of 60 days after completion of discharge overside of thegoods hereby insured from the oversea vessel at the final port ofdischarge,whichever shall first occur.8.2 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 adestination other than that to which they are insured hereunder, this insurance,whilst remaining subject to termination as provided for above, shall not extendbeyond the commencement of transit to such other destination.8.3 This insurance shall remain in force (subject to termination as provided forabove and to the provisions of Clause 9 below) during delay beyond the controlof the Assured, any deviation, forced discharge, reshipment or transhipment andduring any variation of the adventure arising from the exercise of a libertygranted to shipowners 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 Termination of Contract oftransit is otherwise terminated before delivery of the goods as provided for in Clause 8above, then this insurance shall also terminate unless prompt notice is given to theUnderwriters and continuation of cover is requested when the insurance shall remain inforce, subject to an additional premium if required by the Underwriters, eitherCarriage Clause9.1 until the goods are sold and delivered at such port or place, or, unless otherwisespecially agreed, until the expiry of 60 days after arrival of the goods herebyinsured at such port or place, whichever shall first occur,or9.2 if the goods are forwarded within the said period of 60 days (or any agreedextension 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.Change of V oyage ClauseCLAIMS11. 11.1 In order to recover under this insurance the Assured must have aninsurable interest in the subject-matter insured at the time of the loss. Insurable Interest Clause11.2 Subject to 11. 1 above, the Assured shall be entitled to recover forinsured loss occurring during the period covered by this insurance,notwithstanding that the loss occurred before the contract of insurancewas concluded, unless the Assured were aware of the loss and theUnderwriters 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-matter to the destination to which it is insured hereunder. Forwarding Charges ClauseThis Clause 12, which does not apply to general average or salvage charges, shall be subject to the exclusions contained in Clauses 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. Constructive Total Loss Clause14.14.1 If any Increased Value insurance is effected by the Assured on thecargo insured herein the agreed value of the cargo shall be deemed tobe increased to the total amount insured under this insurance and allIncreased Value insurances covering the loss, and liability under thisinsurance shall be in such proportion as the sum insured herein bears tosuch total amount insured.In the event of claim the Assured shall provide the Underwriterswith evidence of the amounts insured under all other insurances. Increased Value Clause14.2 Where the insurance is on Increased Value the following clauseshall apply:The agreed value of the cargo shall be deemed to be equal to the totalamount insured under the primary insurance and all Increased Valueinsurances covering the loss and effected on the cargo by the Assured,and liability under this insurance shall be in such proportion as the suminsured herein bears to such total amount insured.In the event of claim the Assured shall provide the Underwriters withevidence of the amounts insured under all other insurances.BENEFIT OF INSURANCE15. This insurance shall not inure to the benefit of the carrier or other bailee.Not to InureClause MINIMISING LOSSES16. It is the duty of the Assured and their servants and agents in respect of loss recoverable hereunder Duty of Assured Clause16.1 to take such measures as may be reasonable for the purpose of averting orminimising such loss,and16.2 to ensure that all rights against carriers, bailees or other third parties areproperly preserved and exercisedand the Underwriters will, in addition to any loss recoverable hereunder,reimburse the Assured for any charges properly and reasonably incurred inpursuance 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 oracceptance of abandonment or otherwise prejudice the rights of either party.Waiver ClauseAVOIDANCE OF DELAY18. It is a condition of this insurance that the Assured shall act with reasonable despatch in all circumstances within their control. Reasonable Despatch ClauseLAW AND PRACTICE19. This insurance is subject to English law and practice.English Law andPractice Clause NOTE:- It is necessary for the Assured when they become aware of an event 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.1/1/82CL254参考译文协会货物保险C 条款承保风险（风险条款）1 本保险承保下列第4、5、6和7条规定者外的：1.1 保险标的的损失或损害，若可合理规因于：1.1.1 火灾或爆炸1.1.2 船舶或驳船搁浅、擦浅、沉没或倾覆1.1.3 陆上运输工具翻倒或出轨1.1.4 船舶、驳船或运输工具与水以外的外部物体发生碰撞或接触1.1.5 在避难港卸货。