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中華人民共和國財產(chǎn)保險合同條例
Regulations of the PRC on Contracts of Property Insurance
第一條 本條例依據(jù)《中華人民共和國經(jīng)濟合同法》的有關(guān)規(guī)定制定。
Article 1. The Regulations of the People's Republic of China on Contracts of Property Insurance are drawn up in accordance with relevant provisions of the Economic Contract Law of the People's Republic of China.
第二條 本條例所指的財產(chǎn)保險，包括財產(chǎn)保險、農(nóng)業(yè)保險、責任保險、保證保險、信用保險等以財產(chǎn)或利益為保險標準的各種保險。
Article 2. The property insurance referred to in the present Regulations includes various kinds of insurance on either property or interest as the subject matter of insurance, such as property insurance, agricultural insurance, liability insurance, surety bond, credit insurance etc.
本條例中的保險事故，是指發(fā)生保險合同責任范圍內(nèi)的事故。
The event mentioned in the present Regulations refers to and event coming within the scope of cover under the contract of insurance.
第三條 財產(chǎn)保險的投保方（在保險單或保險憑證中稱被保險人），應當是被保險財產(chǎn)的所有人或者經(jīng)營管理人或者是對保險標的有保險利益的人。投保方向保險 方申清訂立保險合同，負責交納保險費的義務。
Article 3. An applicant for cover of property insurance (called the Insured in the policy or the certificate of insurance) shall be owner or the operating manager of the insured property or a person who has an insurable interest in the subject matter insured. In applying to the Insurer for the conclusion of a contract of insurance, the applicant shall be obligated to pay the insurance premium.
第四條 保險合同當事人根據(jù)《中華人民共和國經(jīng)濟合同法》第五十條規(guī)定，向合同管理機關(guān)申請調(diào)解或仲裁，應從其知道或應當知道保險事故發(fā)生之日起一年內(nèi)提出。
Article 4. The parties to the contract of insurance applying to the organ for control of contracts for reconciliation or arbitration in accordance with the provisions of Article 50 of the Economic Contract Law of the People's Republic of China shall make their submission within a period of one year from the date on which the incidence of an insured event is known or ought to be known by them.
第二章 保險合同的訂立、變更和轉(zhuǎn)讓
CHAPTER II CONCLUSION, ALTERATION AND ASSIGNMENT OF CONTRACT OF INSURANCE
第五條 投保方提出投保要求，填具投保單，經(jīng)與保險方商定交付保險費辦法，并經(jīng)保險方簽章承保后，保險合同即告成立，保險方并應根據(jù)保險合同及時向投保方出具保險單或者保險憑證。
Article 5. A contract of insurance shall be deemed to be concluded when the applicant puts forward his proposal for insurance by filling in an application and agrees with the Insurer on the method of payment of insurance premium and when the Insurer signifies acceptance of the said application form by affixing his seal thereto. The Insurer shall issue a policy or a certificate of insurance to the applicant in good time in accordance with the contract of insurance.
第六條 投保方可以與保險方訂立預約保險合同。保險方應當根據(jù)保險合同向投保方出具預約保險單，以資證明。
Article 6. An applicant may conclude an open cover with the Insurer, and the Insurer shall, in witness thereof issue an open policy to the applicant according to the contract of insurance.
預約保險合同應當訂明預約的保險責任范圍、保險財產(chǎn)范圍、每一保險或一地點的最高保險金額、保險費結(jié)算辦法等。
The open cover shall stipulate the scope of cover, the range of property insured, the maximum amount of insurance each risk or at each place and the method of settling premium, etc.
在預約保險合同有效期內(nèi)，投保方應當將預約保險合同范圍內(nèi)的每一筆保險，按規(guī)定及時向保險方書面申報；保險方對投保方每一筆書面申報，均應當視作預約 保險合同的一部分， 按保險合同承擔保險責任。
During the currency of the open cover, the insured shall declare to the Insurer in writing, in good time each and every risk falling within the scope of the open cover according to the stipulations. The Insurer shall treat each written declaration by the Insured as a part of the open cover and shall be liable therefor in accordance with the contract of insurance.
保險方有權(quán)查對申報內(nèi)容，如有遺漏，投保方必須補報。
The Insurer shall be entitled to verify the contents of the declarations, and in cases of any omission, the Insured shall rectify it by filing the omitted declaration or declarations.
投保方有權(quán)要求保險方對申報的每一筆保險，出具單獨的保險單。
The Insured may ask the Insurer to issue a separate policy for any one risk declared.
第七條 在訂立保險合同時，保險方應當將辦理保險的有關(guān)事項告知投保方；投保方應當按照保險方的要求，將保險方在決定其是否接受承�；蛘邠�(jù)以確定保險費率所需了解的有關(guān)主要危險情況告知保險方。
Article 7. At the time a contract of insurance is concluded, the Insurer shall advise the Insured of all matters related to the way of effecting insurance, and the Insured shall, as required by the Insurer, disclose all material circumstances which the Insurer requires to know in deciding whether or not to accept the risk or the premium to be charged.
保險合同成立后，如果發(fā)現(xiàn)投保方對本條上款所述的主要危險情況不申報或者有隱瞞或者作錯誤的申報，保險方有權(quán)解除保險合同或者不負賠償責任。
Should, after the conclusion of the contract of insurance, there be any non-disclosure, concealment or misrepresentation by the Insured of the material circumstances mentioned in the preceeding paragraph the Insurer shall be entitled to rescind the contract of insurance or disclaim liability.
第八條 由于投保方的故意而發(fā)生保險事故，造成保險財產(chǎn)損失的，保險方不承擔賠償責任。
Article 8. The Insurer shall not be liable for any loss of or damage to the insured property in consequence of an insured event caused by any intentional act of the Insured.
第九條 在保險合同有效期內(nèi)，投保方和保險方可以協(xié)議變更保險合同的內(nèi)容。對于變更保險合同的任何協(xié)議，保險方均應當在原保險單、保險憑證上批注或者附貼批單，以資證明。
Article 9. The contents of a contract of insurance may be altered by agreement between the Insured and the Insurer during the currency thereof. Any agreement on the alteration of the contract of insurance shall be certified to by the Insurer by endorsing the policy or the certificate of insurance or by affixing an endorsement thereto.
第十條 保險合同一經(jīng)成立，保險方不得在保險有效期內(nèi)終止合同。
Article 10. Once a contract of insurance is concluded, the Insurer shall not terminate it during its currency.
如果按法律或者保險合同的協(xié)議，保險方提前終止保險合同時，則應將按日計算的未到期的保險費，退還投保方。
In case the contract of insurance is terminated by the Insurer prior to its expiry pursuant to law or to the agreement of the contract of insurance, the premium to be calculated pro rata daily for the unexpired period shall be refunded to the Insured.
投保方要求終止合同時， 保險方有權(quán)按照國家保險管理機關(guān)規(guī)定的短期費率表的規(guī)定，收取自保險生效日起至終止合同日為止的保險費，退還投保方原己交付的保險費。
When the contract is terminated at the request of the Insured, the Insurer shall be entitled to charge the premium calculated on the basis of the short period rating schedule set by the State Insurance Supervisory Authority for the time the contract has been in force, and refund to the Insured the premium paid by him.
但貨物運輸和運輸工具的航程保險，保險責任一經(jīng)開始，除非保險合同另有規(guī)定，投保方不能要求終止合同，也不能要求退還保險費。
In no case can the insured ask for termination of cargo transportation insurance and insurance on conveyances for voyages once they commence and for refund of premium, unless otherwise stipulated in the contract of insurance.
第十一條 除貨物運輸保險的保險單或者保險憑證可由投保方背書轉(zhuǎn)讓，毋須征得保險方同意外，其他保險標準的過戶、轉(zhuǎn)讓或者出售，事先應當書面通知保險方，經(jīng)保險方同意并將保險單或者保險憑證批改后方為有效， 否則從保險標準的過戶、 轉(zhuǎn)讓或者出售時起，保險責任即行終止。
Article 11. With the exception of the cargo transportation policy or certificate of insurance which may be transferred by the Insured by endorsement without the necessity of obtaining the approval of the Insurer the insurance shall terminate at the time of the transfer, assignment or sale of the subject-matter insured unless prior written notice is given to the Insurer and his consent obtained, with the policy or the certificate of insurance duly endorsed.
第三章 投保方的義務
CHAPTER III OBLIGATIONS OF THE INSURED
第十二條 投保方應當按照約定的期限，交付保險費，如不按期交付保險費，保險方可以分別情況要求其交付保險費及利息或者終止保險合同。
Article 12. The Insured shall pay the insurance premium within the specified time. If he fails to do so, the Insurer may, depending on specific circumstances either require the Insured to pay the premium due with interest or terminate the contract of insurance.
保險方如果終止合同，對終止合同前投保方欠交的保險費及利息，仍有權(quán)要求投保方如數(shù)交足。
In case of termination of the contract, the Insurer shall remain entitled to require the Insured to pay the full amount of the premium in arrears and the interest due hereon before the contract is terminated.
第十三條 投保方應當遵守國家有關(guān)部門制訂的關(guān)于消防、安全、生產(chǎn)操作和勞動保護等有關(guān)規(guī)定，維護勞動者和保險財產(chǎn)的安全。
Article 13. The Insured shall safeguard the safety of workers and the insured property by observing the relevant rules and regulations on fire-fighting, safety, productive operation and labour protection.
保險方可以對被保險財產(chǎn)的安全情況進行檢查，如發(fā)現(xiàn)不安全因素，應及時向投保方提出消除不安全因素的合理建議，投保方應及時采取措施消除。否則，由此引起保險事故造成的損失，由投保方自己負責，保險方不負賠償責任。
The Insurer shall be entitled to make inspections as to the security condition of the insured property, and shall, in case of any potential unsafe factors being discovered, make reasonable recommendation to the Insured in good time for the removal thereof and the Insured shall take measures to eliminate them without delay, failing which he shall be liable for any less arising from an insured event caused thereby, and the Insurer shall exenterate himself from liability.
第十四條 保險標的如果變更用途或者增加危險程度，投保方應當及時通知保險 方，在需要增加保險費時，應當按規(guī)定補交保險費。
Article 14. In case of any change in the use of the insured property or increase in the risk exposure, the INsured shall immediately notify the Insurer in writing and shall pay an additional premium according to stipulations when so required.
投保方如不履行此項義務，由此引起保險事故造成的損失，保險方不負賠償責任。
If the Insured fails to do so, the Insurer shall not be held liable for any loss arising from an insured event resulting therefrom.
第十五條 在發(fā)生保險事故后，投保方有責任采取一切必要措施，避免擴大損失，并將事故發(fā)生的情況及時通知保險方。
ARticle 15. Upon the incidence of an insured event, the Insured shall take all necessary measures to prevent aggravation of the loss and shall notify the Insurer immediately of full details of the event.
如果投保方?jīng)]有采取措施， 保險方對由此而擴大的損失，有權(quán)拒絕賠償。
If the Insured fails to take such measures, the Insurer shall be entitled to repudiate liability for any loss so aggravated.
第四章 保險方的賠償責任
CHAPTER IV THE LIABILITY OF THE INSURANCE OR COMPENSATION
第十六條 保險方對發(fā)生保險事故所造成的保險標的的損失或者引起的責任，應當按照保險合同規(guī)定履行賠償責任。
Article 16. The Insurer shall, in accordance with the stipulations of the contract of insurance perform the obligation of compensating for loss of or damage to the subject matter insured or for liability caused by or arising from an insured event.
除另有協(xié)議者外，保險方的賠償責任是對投保方在發(fā)生事故當時實際遭受的損失負責賠償，但最高以保險標的的保險金額為限。
Unless otherwise agreed, the liability of the Insurer for compensation is for loss or damage actually suffered by the Insurer at the time of an insured event subject to a maximum not exceeding the insured amount of the subject-matter insured.
如有分項保險金額的，最高以各該分項保險標的保險金額為限。
If there are separate items with separate insured amounts the insurer's maximum liability shall not exceed the insured amount of each item of the subject-matter insured.
保險方在賠償保險財產(chǎn)的損失時，應當將損余物資的價值和投保方從第三者取得的賠償，在保險賠償金額中扣除。
In compensating for loss of or damage to the insured property, the Insurer shall deduct from the amount of compensation the salvage value of such property and the amount recovered by the Insured from third parties.
第十七條 投保方為了避免或者減少保險責任范圍內(nèi)的損失而進行施救、保護、整理以及訴訟所支出的必要的合理費用，以及為了確定保險責任范圍內(nèi)的損失所支付的對受損標的檢驗、估價、出售的合理費用，按照保險合同的規(guī)定，由保險方負責償還，但最高以保險金額為限。
Article 17. The Insurer will according to the stipulations of the contract of insurance be liable for reasonable costs necessarily incurred by the Insured for salving, safeguarding, reconditioning or litigation to mitigate a loss within the scope of cover and for reasonable expenses incurred for inspecting, assesing or selling of the damaged subject-matter insured for the purpose of ascertaining the loss falling under the scope of cover, provided that such costs and expenses shall not exceed the sum insured.
第十八條 投保方要求保險方賠償時，應當提供損失清單和施救等費用清單以及必要的帳冊、單據(jù)和證明。
Article 18. The Insured shall when lodging a claim submit to the Insurer a statement of claim and statements for salvage charges, etc. as well as necessary accounts, vouchers and document．ry evidence.
保險方收到投保方要求賠償?shù)膯巫C后，根據(jù)保險合同的規(guī)定，核定應否賠償；在與投保方達成有關(guān)賠償金額的協(xié)議后，應在十天內(nèi)償付。
Upon receipt of the document． for such claim, the Insurer shall decide whether or not to admit liability, and where an agreement on the amount payable is reached with the Insured, shall effect payment within ten days from the date of such agreement.
保險方如果不及時償付，則應承擔違約責任，自確定賠償金額之日起十日后開始按中國人民銀行當時對企業(yè)短期貸款利率支付違約金。
In case of failure to pay within the prescribed time, the Insurer shall be liable for breach of the contract and subject to a penalty commencing from the eleventh day following the date on which the amount of indemnity is determined, according to the interest rate then prevailing for short term loans to enterprises as set by the People's Bank of China.
第十九條 保險標的發(fā)生保險責任范圍內(nèi)的損失，應當由第三者負責賠償?shù)�，投保方應當向第三者要求賠償。
Article 19. If the insured property sustains a loss within the scope of cover for which a third party shall be held liable, the Insured shall file a claim with such third party.
如果投保方向保險方提出賠償要求時， 保險方可以按照保險合同規(guī)定，先予賠償，但投保方必須將向第三者追償?shù)臋?quán)利轉(zhuǎn)讓給保險方，并協(xié)助保險方向第三者追償。
The Insurer may make compensation in advance according to the provisions of the contract if the Insured claims against him, in such case, however, the Insured shall subrogate to the Insurer the right of recovery against the third party and assist the latter in pursuing such recovery.
第五章 附 則
CHAPTER V SUPPLEMENTARY PROVISIONS
第二十條 公民個人同保險方簽訂的保險合同，參照本條例執(zhí)行。
Article 20. The Present Regulations shall apply to contracts of insurance concluded between the Insurer and individuals.
第二十一條 涉外財產(chǎn)保險合同參照本條例執(zhí)行。
Article 21. The Present Regulations shall apply to contract of insurance on property involving foreign elements.
第二十二條 海上保險合同，除法律另有規(guī)定外，適用本條例的規(guī)定。
Article 22. Unless otherwise stipulated by The Law, the present Regulations shall apply to contracts of marine insurance.
第二十三條 本條例自頒布之日起施行。
Article 23. The present Regulations comes into force on the day of promulgation.
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