财产一切险条款(E).docVIP

PROPERTY ALL RISKS INSURANCE POLICY AND CLAUSES ? ? 中文 I.THE PROPERTY INSURED ? The property insured shall refer to all properties and expenses specified in the Schedule of this Policy. ? Unless specifically agreed upon in writing between the Insured and the Company and appraised and value-established by professionals or assessors, the following articles and the expenses relevant thereto shall not be covered under this Policy: ? 1. gold, silver, pearls, diamonds, precious stones and jades; ? 2. antiques, articles of virtue, ancient coins, ancient books and ancient paintings; ? 3. works of art or postage stamps; ? 4. advertisements, aerials, neon, pieces of solar energy apparatus etc. on buildings; ? 5. computer system records or its making and copying costs; Under no circumstances shall the following articles relevant thereto be covered hereunder: 1. guns, ammunition or explosives; ? 2. banknotes, securities, bills, documents, files, account books or drawings; ? 3. animals, plants and agricultural crops; ? 4. mobile phones, portable computers, removable photograph apparatus or other precious articles; ? 5. vehicles licensed for general transport use. ? II.SCOPE OF COVER ? The Company shall indemnify the Insured in respect of the physical loss of or damage to the insured property stated in the Schedule, during the period of insurance arising from any NATURAL HAZARDS or ACCIDENT other than those specifically excluded, in the manner and to the extent hereinafter provide. ? DEFINITIONS ? The words “NATURAL HAZARDS” shall for the purpose of this Policy, mean thunder-and-lightning, hurricane, typhoon, tornado, storm, tempest, flood, inundation, frost, hailstorm, landslide, rockslide, avalanche, volcanic explosion, subsidence of ground and any other phenomena of nature with strong destructive power and beyond human control. The Word “ACCIDENT” shall for the purpose of this policy, mean any unforeseen, uncontrollable and sudden event which leads to material damage, includin