保险合同条款.docx

密GLOBALALLIANCEMunichReCAR&DSUPolicyFormsegros-insurancePolicyWording保险合同条款ClientName:ANHUIFOREIGNECONOMICCONSTRUCTIONSOCIEDADEnipessoal,limitada客户名称PolicyNO：CARS115644保单号：WhereastheInsurednamedintheScheduleheretohasmadetothe(hereinaftercalledthe"Insurers")awrittenproposalbycompletingaquestionnairewhichtogetherwithanyotherstatementsmadeinwritingbytheInsuredforthepurposeofthisPolicyisdeemedtobeincorporatedherein,而被保险人的名字在附表所提出的(以下称之为"保险公司")是一份书面提案，通过填写价调杳问卷并与掂保聆CJ本俘舲为日的的仟苴他陈沐4±同作+砧合并而W右在Rl理容挑中念幺的岫但睑人已向下简称"保睑公言11的书面的建2而充成TABl卷井LJ书面戒才由岫保龄为叶.曲笛的仔B苴他港包热虱为星的纲在本即在汶个而第鉴千纳保龄人日向保睑公司知付的保睑智蝗至Ili=I理和邮胞的保聆讦不适用情形、条款和条件载或须先保险人将赔偿被保险人的方式及程度下文另有规定NowthisPolicyofinsurancewitnessesthatsubjecttotheInsuredhavingpaidtotheInsurersthepremiummentionedintheScheduleandsubjecttotheterms,exclusions,provisionsandconditionscontainedhereinorendorsedhereontheInsurerswillindemnifytheInsuredinthemannerandtotheextenthereinafterprovided.Generalexclusions一般TheInsurerswillnotindemnifytheInsuredinrespectofloss,damageorliabilitydirectlyorindirActlvCalgadhvnrriincnutnfnraravatAdhv但龄公司将不负责赔偿被保险人损失、损坏或直接或间接引起的法律责任或引起或加剧a) war,invasion,actofforeignenemy,hostilities(whetherwarbedeclaredornot),civilwar,rebellion,revolution,insurrection,mutiny,hot,strike,lockout,civilcommotion,militaryorusurpedpower,agroupofmaliciouspersonsorpersonsactingonbehalfoforinconnectionwithanypoliticalorganization,nspiracy,confiscation,commandeering,requisitionordestructionordamagebyorderofanygovernmentdejureordefactoorbyanypublicauthority;b) nuclearreaction,nuclearradiationorradioactivecontamination:c) wilfulactorwilfulnegligenceoftheInsuredorofhisrepresentatives;d) cessationofworkwhethertotalorpartial.Inanyaction,suitorotherproceedingwheretheInsurersallegethatbyreasonoftheprovisionsofExclusiona)aboveanyloss,destruction,damageorliabilityisnotcoveredbythisinsurancetheburdenofprovingthatsuchloss,destruction,damageorliabilityiscoveredshallbeupontheInsured.PeriOdofverTheliabilityoftheinsurersshallcommence,notwithstandinganydatetothecontraryspecifiedintheSchedule,directlyuponcommencementofworkoraftertheunloadingoftheitemsenteredintheScheduleatthesite.TheInsurers*liabilityexpiresforpartsoftheinsuredcontractworkstakenoverorputintoservice.一般除外责任现在这个保险人被保险人已支付的保险费计划的条款，提到排除，规定和条件并在此或批注的保险公司将赔偿被保险人的方式，以下提供的程度。保险公司将不负责赔偿的损失、损害或责任直接或间接导致或加重了战争、入侵、外敌行为、敌对行为(无论是否宣战)、内战、叛乱、革命、起义、兵变、热，罢工，停工，暴乱、军事政变或篡夺宝我们一群人恶意的人或代表或任何政治组织、阴谋、没收、征用的连接，通过征用或毁坏或损坏，任何公共权力的政府的任何法律上或事实上或；核反应，核辐射或放射性污染：故意行为或疏忽被保险人或其代表；停止工作，不论是全部或部分。在任何诉讼，诉讼或其他程序，保险公司声称，通过对排斥的原因)以上规定的任何损失、破坏、损害或责任不属于本保险证明该损失、破坏、损害或责任的证明责任，应在被保险人身上。覆盖期保险人的责任，不论是否有违反附表中指明的日期，均须在工作开始后，或在卸货后的工作开始时，均须在该项规定中的任何日期开始现场日程。保险合同中的部分被保险合同的责任终止或投入使用。AtthelatesttheinsuranceshallexpireonthedatespecifiedintheSchedule.AnyextensionsoftheperiodofinsurancearesubjecttothepriorwrittenconsentoftheInsurers.Generalconditions1. ThedueobservanceandfulfilmentofthetermsofthisPolicyinsofarastheyrelatetoanythingtobedoneorcompliedwithbytheInsuredandthetruthofthestatementsandanswersinthequestionnaireandproposalmadebytheInsuredshallbeaconditionprecedenttoanyliabilityoftheInsurers.2. TheScheduleandtheSection(s)shallbedeemedtobeincorporatedinandformpartofthisPolicyandtheexpression"thisPolicy"whereverusedinthiscontractshallbereadasincludingtheScheduleandtheSection(s).AnywordorexpressiontowhichaspecificmeaninghasbeenattachedinanypartofthisPolicyoroftheScheduleoroftheSection(s)shallbearsuchmeaningwhereveritmayappear.3. TheInsuredshallathisownexpensetakeallreasonableprecautionsandcomplywithallreasonablerecommendationsoftheInsurerstopreventloss,damageorliabilityandcomplywithstatutoryrequirementsandmanufacturers'recommendations.4. a)RepresentativesoftheInsurersshallatanyreasonabletimehavetherighttoinspectandexaminetheriskandtheInsuredshallprovidetherepresentativesoftheInsurerswithalldetailsandinformationnecessaryfortheassessmentoftherisk.b)TheInsuredshallimmediatelynotifytheInsurersbytelegramandinwritingofanymaterialchangeintheriskandcauseathisownexpensesuchadditionalprecautionstobetakenascircumstancesmayrequire,andthescopeofcoverand/orpremiumshall,ifnecessary,beadjustedaccordingly.NomaterialalterationshallbemadeoradmittedbytheInsuredwherebytheriskisincreased,unlessthecontinuanceoftheinsuranceisnfirmedinwritingbytheinsurers.5.IntheeventofanyoccurrencewhichmightgiverisetoaclaimunderthisPolicy,theInsuredshalla) immediatelynotifytheInsurersbytelephoneortelegramaswellasinwriting,givinganindicationastothenatureandextentoflossordamage:b) takeallstepswithinhispowertominimizetheextentofthelossordamage;c) preservethepartsaffectedandmakethemavailableforinspectionbyarepresentativeorsurveyoroftheinsurers;d) furnishallsuchinformationanddocumentaryevidenceastheInsurersmayrequire;e)informthepoliceauthoritiesincaseoflossordamageduetotheftorburglary.m4Alalliance-SegurosTheInsurersshallnotinanycasebeliableforloss,damageorliabilityofwhichnonoticehasbeenreceivedbytheInsurerswithin14daysofitsoccurrence.UponnotificationbeinggiventotheInsurersunderthiscondition,theInsuredmaycarryouttherepairsorreplacementofanyminordamage;inallothercasesarepresentativeoftheInsurersshallhavetheopportunityofinspectingthetossordamagebeforeanyrepairsoralterationsareeffected.IfarepresentativeoftheInsurersdoesnotcarryouttheinspectionwithinaperiodoftimewhichcouldbeconsideredadequateunderthecircumstances,theInsuredisentitledtoproceedwiththerepairsorreplacement.TheliabilityoftheInsurersunderthisPolicyinrespectofanyitemsustainingdamageshallceaseifsaiditemisnotrepairedproperlywithoutdelay.6. TheInsuredshallattheexpenseoftheInsurersdoandconcurindoingandpermittobedoneallsuchactsandthingsasmaybenecessaryorrequiredbytheInsurersintheinterestofanyrightsorremedies,orofobtainingrelieforindemnityfromparties(otherthanthoseinsuredunderthisPolicy)towhichtheinsurersareorwouldbecomeentitledorwhichisorwouldbesubrogatedtothemupontheirpayingforormakinggoodanylossordamageunderthisPolicy,whethersuchactsandthingsareorbecomenecessaryorrequiredbeforeoraftertheInsured'sindemnificationbytheInsurers.7. IfanydifferencearisesastotheamounttobepaidunderthisPolicy(liabilitybeingotherwiseadmitted),suchdifferenceshallbereferredtothedecisionofanarbitratortobeappointedinwritingbythepartiesindifferenceor,iftheycannotagreeuponasinglearbitrator,tothedecisionoftwoarbitrators,onetobeappointedinwritingbyeachofthepartieswithinonecalendarmonthafterhavingbeenrequiredinwritingsotodobyeitheroftheparties,or,incasethearbitratorsdonotagree,ofanumpiretobeappointedinwritingbythearbitratorsbeforethelatterenteruponthereference.Theumpireshallsitwiththearbitratorsandpresideattheirmeetings.ThemakingofanawardshallbeaconditionprecedenttoanyrightofactionagainsttheInsurers.8. Ifaclaimisinanyrespectfraudulent,orifanyfalsedeclarationismadeorusedinsupportthereof,orifanyfraudulentmeansordevicesareusedbytheInsuredoranyoneactingonhisbehalftoobtainanybenefitunderthisPolicy,orifaclaimismadeandrejectedandnoactionorsuitiscommencedwithinthreemonthsaftersuchrejectionor,inthecaseofarbitrationtakingplaceasprovidedherein,withinthreemonthsafterthearbitratororarbitratorsorumpirehavemadetheiraward,allbenefitunderthisPolicyshallbeforfeited.9. IfatthetimeanyclaimarisesunderthePolicythereisanyotherinsurancecoveringthesameloss,damageorliability,theInsurersshallnotbeliabletopayorcontributemorethantheirrateableproportionofanyclaimforsuchloss,damageorliability.Section1-MaterialdamageTheInsurersherebyagreewiththeInsuredthatifatanytimeduringtheperiodofcovertheitemsoranypartthereofenteredintheScheduleshallsufferanyunforeseenandsuddenphysicallossordamagefromanycause,otherthanthosespecificallyexcluded,inamannernecessitatingrepairorreplacement,theInsurerswillindemnifytheInsuredinrespectofsuchlossordamageashereinafterprovidedbypaymentincash,replacementorrepair(attheirownoption)uptoanamountnotexceedinginrespectofeachoftheitemsspecifiedintheSchedulethesumsetoppositetheretoandnotexceedinginanyoneeventthelimitofindemnitywhereapplicableandnotexceedinginallthetotalsumexpressedintheScheduleasinsuredhereby.SpecialexclusionstoSection1TheInsurerswillalsoreimbursetheInsuredforthecostofclearanceofdebrisfollowinguponanyeventgivingrisetoaclaimunderthisPolicyprovidedaseparatesumthereforhasbeenenteredintheSchedule.TheInsurersshallnot,however,beliablefora) thedeductiblestatedintheScheduletobebornebytheInsuredinanyoneoccurrence;b) consequentiallossofanykindordescriptionwhatsoeverincludingpenalties,lossesduetodelay,lackofperformance,lossofcontract:c) lossordamageduetofaultydesign;d) thecostofreplacement,repairorrectificationofdefectivematerialand/orworkmanship,butthisexclusionshallbelimitedtotheitemsimmediatelyaffectedandshallnotbedeemedtoexcludelossofordamagetocorrectlyexecuteditemsresultingfromanaccidentduetosuchdefectivematerialand/orworkmanship：e) wearandtear,corrosion,oxidation,deteriorationduetolackofuseandnormalatmosphericconditions:f) lossordamagetoconstructionplant,equipmentandconstructionmachineryduetoelectricalormechanicalbreakdown,failure,breakageorderangement,freezingofcoolantorotherfluid,defectivelubricationorlackofoilorcoolant,butifasaconsequenceofsuchbreakdownorderangementanaccidentoccurscausingexternaldamage,suchconsequentialdamageshallbeindemnifiable:g) lossofordamagetovehicleslicensedforgeneralroaduseorwaterbornevesselsoraircraft:h) lossofordamagetofiles,drawings,accounts,bills,currency,stamps,deeds,evidencesofdebt,notes,securities,cheques;i) lossordamagediscoveredonlyatthetimeoftakinganinventory.(ILOBAILIANCE-segurosProvisionsapplyingMemo1-SumsinsuredtoSection1ItisarequirementofthisinsurancethatthesumsinsuredstatedintheScheduleshallnotbelessthanforitem1:thefullvalueofthecontractworksatthecompletionoftheconstruction,inclusiveofallmaterials,wages,freight,customsduties,dues,andmaterialsoritemssuppliedbythePrincipal：foritems2and3:thereplacementvalueofconstructionplant,equipmentandmachinery;whichshallmeanthecostofreplacementoftheinsureditemsbynewitemsofthesamekindandcapacity:andtheinsuredundertakestoincreaseordecreasetheamountsofinsuranceintheeventofanymaterialfluctuationinwagesorpricesprovidedalwaysthatsuchincreaseordecreaseshalltakeeffectonlyafterthesamehasbeenrecordedinthePolicybytheInsurers.If,intheeventoflossordamage,itisfoundthatthesumsinsuredarelessthantheamountsrequiredtobeinsured,thentheamountreverablebytheInsuredunderthisPolicyshallbereducedinsuchproportionasthesumsinsuredbeartotheamountsrequiredtobeinsured.Everyobjectandcostitemissubjecttothisconditionseparately.Memo2-BasisoflosssettlementIntheeventofanylossordamagethebasisofanysettlementunderthisPolicyshallbea)inthecaseofdamagewhichcanberepaired-thestofrepairsnecessarytorestoretheitemstotheirconditionimmediatelybeforetheoccurrenceofthedamagelesssalvage,orb)inthecaseofatotalloss-theactualvalueoftheitemsimmediatelybeforetheoccurrenceofthelosslesssalvage,however,onlytotheextentthestsclaimedhadtobebornebytheInsuredandtotheextenttheyareincludedinthesumsinsuredandprovidedalwaysthattheprovisionsandconditionshavebeencompliedwith.Theinsurerswillmakepaymentsonlyafterbeingsatisfiedbyproductionofthenecessarybillsanddocumentsthattherepairshavebeeneffectedorreplacementhastakenplace,asthecasemaybe.Alldamagewhichcanberepairedshallberepaired,butifthecostofrepairinganydamageequalsorexceedsthevalueoftheitemsimmediatelybeforetheoccurrenceofthedamage,thesettlementshallbemadeonthebasisprovidedforinb)above.ThecostofanyprovisionalrepairswillbebornebytheInsurersifsuchrepairsconstitutepartofthefinalrepairsanddonotincreasethetotalrepairexpenses.Thecostofanyalterations,additionsand/orimprovementsshallnotberecoverableunderthisPolicy.Memo3-ExtensionofverExtrachargesforovertime,nightwork,workonpublicholidays,expressfreightarecoveredbythisinsuranceonlyifpreviouslyandspeciallyagreeduponinwriting.Section2-ThirdpartyliabilityTheInsurerswillindemnifytheInsureduptobutnotexceedingtheamountsspecifiedintheScheduleagainstsuchsumswhichtheInsuredshallbecomelegallyliabletopayasdamagesconsequentupona)accidentalbodilyinjurytoorillnessofthirdparties(whetherfatalornot).b)accidentallossofordamagetopropertybelongingtothirdpartiesoccurringindirectnnectionwiththenstructionorerectionoftheitemsinsuredunderSection1andhappeningonorintheimmediatevicinityofthesiteduringtheperiodofcover.Inrespectofaclaimforcompensationtowhichtheindemnityprovidedhereinapplies,theInsurerswillinadditionindemnifytheInsuredagainsta) allcostsandexpensesoflitigationrecoveredbyanyclaimantfromtheInsured,andb) allcostsandexpensesincurredwiththewrittennsentoftheInsurers,providedalwaysthattheliabilityoftheInsurersunderthisSectionshallnotexceedthelimitsofindemnitystatedintheSchedule.SpecialexclusionstoSection2TheInsurerswillnotindemnifytheInsuredinrespectof1. thedeductiblestatedintheScheduletobebornebytheInsuredinanyoneoccurrence;2. theexpenditureincurredindoingorredoingormakinggoodorrepairingorreplacinganythingcoveredorcoverableunderSection1ofthisPolicy:3. damagetoanypropertyorlandorbuildingcausedbyvibrationorbytheremovalorweakeningofsupportorinjuryordamagetoanypersonorpropertyoccasionedbyorresultingfromanysuchdamage(unlessespeciallyagreeduponbyendorsement)：4. liabilityconsequentupona) bodilyinjurytoorillnessofemployeesorworkmenoftheContractors)orthePrincipals)oranyotherfirmnnectedwiththeprojectwhichorpartofwhichisinsuredunderSection1,ormembersoftheirfamilies:b) lossofordamagetopropertybelongingtoorheldincare,custodyorcontroloftheContractor(三)1thePrincipals)oranyotherfirmconnectedwiththeprojectwhichorpartofwhichisinsuredunderSection1,oranemployeeorworkmanofoneoftheaforesaid:c)anyaccidentcausedbyvehicleslicensedforgeneralroaduseorbywaterbornevesselsoraircraft:d)anyagreementbytheInsuredtopayanysumbywayofindemnityorotherwiseunlesssuchliabilitywouldhaveattachedalsointheabsenceofsuchagreement.SpecialconditionsapplyingtoSection21. Noadmission,offer,promise,paymentorindemnityshallbemadeorgivenbyoronbehalfoftheInsuredwithoutthewrittenconsentoftheInsurerswhoshallbeentitled,iftheysodesire,totakeoverandconductinthenameoftheInsuredthedefenceorsettlementofanyciaimortoprosecutefortheirownbenefitinthenameoftheInsuredanyclaimforindemnityordamagesorotherwiseandshallhavefulldiscretionintheconductofanyproceedingsorinthesettlementofanyclaimandtheInsuredshallgiveallsuchinformationandassistanceastheInsurersmayrequire.2. TheInsurersmaysofarasanyaccidentisconcernedpaytotheInsuredthelimitofindemnityforanyoneaccident(butdeductingtherefrominsuchcaseanysumorsumsalreadypaidascompensationinrespectthereof)oranylessersumforwhichtheclaimorclaimsarisingfromsuchaccidentcanbesettledandtheInsurersshallthereafterbeundernofurtherliabilityinrespectofsuchaccidentunderthisSection.Extensions1. Endorsement004-ExtenddmaintenancevrItisagreedandunderstoodthatotherwisesubjecttotheterms,exclusions,provisionsandconditionscontainedinthePolicyorendorsedthereonandsubjecttotheInsuredhavingpaidtheagreedextrapremium,thisinsuranceshallbeextendedforthemaintenanceperiodspecifiedher