財(cái)產(chǎn)保險(xiǎn)協(xié)議格式（涉外）【題注】【章名】一、保險(xiǎn)財(cái)產(chǎn)保險(xiǎn)財(cái)產(chǎn)指在本保險(xiǎn)單明細(xì)表中列明財(cái)產(chǎn)及費(fèi)用。經(jīng)被保險(xiǎn)人尤其申請(qǐng),并經(jīng)本企業(yè)書面同意,下列物品及費(fèi)用經(jīng)專業(yè)人員或公估部門判定并確定價(jià)值后,亦可作為保險(xiǎn)財(cái)產(chǎn):（一）金銀、珠寶、鉆石、玉器;（二）古玩、古幣、古書、古畫;（三）藝術(shù)作品、郵票;（四）建筑物上廣告、天線、霓虹燈、太陽能裝置等;（五）計(jì)算機(jī)資料及其制作、復(fù)制費(fèi)用。下列物品一律不得作為保險(xiǎn)財(cái)產(chǎn):（一）槍支彈藥、爆炸物品;（二）現(xiàn)鈔、有價(jià)證券、票據(jù)、文件、檔案、帳冊(cè)、圖紙;（三）動(dòng)物、植物、農(nóng)作物;（四）便攜式通訊裝置、電腦設(shè)備、攝影攝像器材及其她珍貴物品;（五）用于公共交通車輛?！菊旅慷?、責(zé)任范圍在本保險(xiǎn)期限內(nèi),若本保險(xiǎn)單明細(xì)表中列明保險(xiǎn)財(cái)產(chǎn)因以下列明風(fēng)險(xiǎn)造成直接物質(zhì)損壞或滅失（以下簡稱“損失”）,本企業(yè)同意根據(jù)本保險(xiǎn)單要求負(fù)責(zé)賠償。（一）火災(zāi);（二）爆炸,但不包含鍋爐爆炸;（三）雷電;（四）颶風(fēng)、臺(tái)風(fēng)、龍卷風(fēng);（五）風(fēng)暴、暴雨、洪水但不包含正常水位改變、海水倒灌及水庫、運(yùn)河、堤壩在正常水位線以下排水和滲漏,亦不包含因?yàn)轱L(fēng)暴、暴雨或洪水造成存放在露天或使用蘆席、蓬布、茅草、油毛氈、塑料膜或尼龍等作罩棚或覆蓋保險(xiǎn)財(cái)產(chǎn)損失;（六）冰雹;（七）地崩、山崩、雪崩;（八）火山爆發(fā);（九）地面下陷下沉,但不包含因?yàn)榇驑?、地下作業(yè)及挖掘作業(yè)引發(fā)地面下陷下沉;（十）飛機(jī)墜毀、飛機(jī)部件或飛行物體墜落;（十一）水箱、水管爆裂,但不包含因?yàn)殇P蝕引發(fā)水箱、水管爆裂?！菊旅咳?、除外責(zé)任本企業(yè)對(duì)下列各項(xiàng)不負(fù)責(zé)賠償:（一）被保險(xiǎn)人及其代表有意行為或重大過失引發(fā)任何損失和費(fèi)用;（二）地震、海嘯引發(fā)損失和費(fèi)用;（三）貶值、喪失市場或使用價(jià)值等其她后果損失;（四）戰(zhàn)爭、類似戰(zhàn)爭行為、敵對(duì)行為、武裝沖突、恐怖活動(dòng)、謀反、政變、罷工、暴亂、民眾騷亂引發(fā)損失和費(fèi)用;（五）政府命令或任何公共當(dāng)局沒收、征用、銷毀或毀壞;（六）核裂變、核聚變、核武器、核材料、核幅射以及放射性污染引發(fā)任何損失和費(fèi)用;（七）大氣、土地、水污染及其她多種污染引發(fā)任何損失和費(fèi)用,但不包含由于本保險(xiǎn)單第二條責(zé)任范圍列明風(fēng)險(xiǎn)造成污染引發(fā)損失;（八）本保險(xiǎn)單明細(xì)表或相關(guān)條款中要求應(yīng)由被保險(xiǎn)人自行負(fù)擔(dān)免賠額;（九）其她不屬于本保險(xiǎn)單第二條責(zé)任范圍列明風(fēng)險(xiǎn)引發(fā)損失?！菊旅克?、賠償處理（一）假如發(fā)生本保險(xiǎn)責(zé)任范圍內(nèi)損失,本企業(yè)選擇下列方法賠償:１．按受損財(cái)產(chǎn)價(jià)值賠償;２．賠付受損財(cái)產(chǎn)基礎(chǔ)恢復(fù)原狀修理、修復(fù)費(fèi)用;３．修理、恢復(fù)受損財(cái)產(chǎn),使之達(dá)成與同類財(cái)產(chǎn)基礎(chǔ)一致情況。（二）受損財(cái)產(chǎn)賠償按損失當(dāng)初市價(jià)計(jì)算。市價(jià)低于保險(xiǎn)金額時(shí),賠償按市價(jià)計(jì)算;市價(jià)高于保險(xiǎn)金額時(shí),賠償按保險(xiǎn)金額與市價(jià)百分比計(jì)算。如本保險(xiǎn)所載項(xiàng)目不止一項(xiàng)時(shí),賠款按本要求逐項(xiàng)計(jì)算。（三）保險(xiǎn)項(xiàng)目發(fā)生損失后,如本企業(yè)按全部損失賠付,其殘值應(yīng)在賠款中扣除,本企業(yè)有權(quán)不接收被保險(xiǎn)人對(duì)受損財(cái)產(chǎn)委付。（四）任何屬于成對(duì)或成套項(xiàng)目,若發(fā)生損失,本企業(yè)賠償責(zé)任不超出該受損項(xiàng)目在所屬整對(duì)或整套項(xiàng)目保險(xiǎn)金額中所占百分比。（五）發(fā)生損失后,被保險(xiǎn)人為降低損失而采取必需方法所產(chǎn)生合理費(fèi)用,本企業(yè)可給予賠償,但本項(xiàng)費(fèi)用以保險(xiǎn)財(cái)產(chǎn)保險(xiǎn)金額為限。（六）本企業(yè)賠償損失后,由本企業(yè)出具批單將保險(xiǎn)金額從損失發(fā)生之日起對(duì)應(yīng)降低,而且不退還保險(xiǎn)金額降低部分保險(xiǎn)費(fèi)。如被保險(xiǎn)人要求恢復(fù)至原保險(xiǎn)金額,應(yīng)按約定保險(xiǎn)費(fèi)率加繳恢復(fù)部分從損失發(fā)生之日起至保險(xiǎn)期限終止之日止按日百分比計(jì)算保險(xiǎn)費(fèi)。（七）被保險(xiǎn)人索賠期限,從損失發(fā)生之日起,不得超出兩年?！菊旅课濉⒈槐ｋU(xiǎn)人義務(wù)被保險(xiǎn)人及其代表應(yīng)嚴(yán)格推行下列義務(wù):（一）投保時(shí),被保險(xiǎn)人及其代表應(yīng)對(duì)投保申請(qǐng)書中列明事項(xiàng)以及本企業(yè)提出其她事項(xiàng)作真實(shí)、詳盡說明或描述;（二）被保險(xiǎn)人及其代表應(yīng)依據(jù)本保險(xiǎn)單明細(xì)表和批單中要求按期繳付保險(xiǎn)費(fèi);（三）在保險(xiǎn)期限內(nèi),被保險(xiǎn)人應(yīng)采取一切合理預(yù)防方法,包含認(rèn)真考慮并付諸實(shí)施本企業(yè)代表提出合理防損提議,由此產(chǎn)生一切費(fèi)用,均由被保險(xiǎn)人負(fù)擔(dān);（四）在發(fā)生引發(fā)或可能引發(fā)本保險(xiǎn)單項(xiàng)下索賠損失時(shí),被保險(xiǎn)人及其代表應(yīng):１．立刻通知本企業(yè),并在七天或經(jīng)本企業(yè)書面同意延長久限內(nèi)以書面提供事故發(fā)生經(jīng)過,原因和損失程度;２．采取一切必需方法預(yù)防損失深入擴(kuò)大并將損失降低到最低程度;３．在本企業(yè)代表或檢驗(yàn)師進(jìn)行勘查之前,保留事故現(xiàn)場及相關(guān)實(shí)物證據(jù);４．依據(jù)本企業(yè)要求提供作為索賠依據(jù)全部證實(shí)文件、資料和單據(jù)?！菊旅苛?、總則（一）保單效力被保險(xiǎn)人嚴(yán)格地遵守和推行本保險(xiǎn)單各項(xiàng)要求,是本企業(yè)在本保險(xiǎn)單項(xiàng)下負(fù)擔(dān)賠償責(zé)任先決條件。（二）保單無效假如被保險(xiǎn)人或其代表漏報(bào)、錯(cuò)報(bào)、虛報(bào)或隱瞞相關(guān)本保險(xiǎn)實(shí)質(zhì)性內(nèi)容,則本保險(xiǎn)單無效。（三）保單終止除非經(jīng)本企業(yè)書面同意,本保險(xiǎn)單將在下列情況下自動(dòng)終止:１．被保險(xiǎn)人喪失保險(xiǎn)利益;２．承保風(fēng)險(xiǎn)擴(kuò)大。本保險(xiǎn)單終止后,本企業(yè)將按日百分比退還被保險(xiǎn)人本保險(xiǎn)單項(xiàng)下未到期部分保險(xiǎn)費(fèi)。（四）保單注銷被保險(xiǎn)人可隨時(shí)書面申請(qǐng)注銷本保險(xiǎn)單,本企業(yè)亦可提前十五天通知被保險(xiǎn)人注銷本保險(xiǎn)單。對(duì)本保險(xiǎn)單已生效期間保險(xiǎn)費(fèi),前者本企業(yè)按短期費(fèi)率計(jì)收,后者按日百分比計(jì)收。（五）權(quán)益喪失假如任何索賠含有虛假成份,或被保險(xiǎn)人或其代表在索賠時(shí)采取欺詐手段企圖在本保險(xiǎn)單項(xiàng)下獲取利益,或任何損失是由被保險(xiǎn)人或其代表有意行為或縱容所致,被保險(xiǎn)人將喪失其在本保險(xiǎn)單項(xiàng)下全部權(quán)益。對(duì)由此產(chǎn)生包含本企業(yè)已支付賠償在內(nèi)一切損失,應(yīng)由被保險(xiǎn)人負(fù)責(zé)賠償。（六）合理查驗(yàn)本企業(yè)代表有權(quán)在任何合適時(shí)候?qū)ΡｋU(xiǎn)財(cái)產(chǎn)風(fēng)險(xiǎn)情況進(jìn)行現(xiàn)場查驗(yàn)。被保險(xiǎn)人應(yīng)提供一切便利及本企業(yè)要求用以評(píng)定相關(guān)風(fēng)險(xiǎn)詳情和資料。但上述查驗(yàn)并不組成本企業(yè)對(duì)被保險(xiǎn)人任何承諾。（七）反復(fù)保險(xiǎn)本保險(xiǎn)單負(fù)責(zé)賠償損失、費(fèi)用或責(zé)任時(shí),若另有其她保障相同保險(xiǎn)存在,不管是否由被保險(xiǎn)人或她人以其名義投保,也不管該保險(xiǎn)賠償是否,本企業(yè)僅負(fù)責(zé)按百分比分?jǐn)傎r償責(zé)任。（八）權(quán)益轉(zhuǎn)讓若本保險(xiǎn)單項(xiàng)下負(fù)責(zé)損失包含其她責(zé)任方時(shí),不管本企業(yè)是否已賠償被保險(xiǎn)人,被保險(xiǎn)人應(yīng)立刻采取一切必需方法行使或保留向該責(zé)任方索賠權(quán)利。在本企業(yè)支付賠償后,被保險(xiǎn)人應(yīng)將向該責(zé)任方追償權(quán)利轉(zhuǎn)讓給本企業(yè),移交一切必需單證,并幫助本企業(yè)向責(zé)任方追償。（九）爭議處理被保險(xiǎn)人與本企業(yè)之間一切相關(guān)本保險(xiǎn)爭議應(yīng)經(jīng)過友好協(xié)商處理。假如協(xié)商不成,可申請(qǐng)仲裁或向法院提出訴訟。除事先另有協(xié)議外,仲裁或訴訟應(yīng)在被告方所在地進(jìn)行?！菊旅科?、尤其條款下列尤其條款適適用于本保險(xiǎn)單各個(gè)部分,若其與本保險(xiǎn)單其她要求相沖突,則以下列尤其條款為準(zhǔn)?！菊旅控?cái)產(chǎn)保險(xiǎn)單保險(xiǎn)單號(hào)碼:鑒于本保險(xiǎn)單明細(xì)表中列明被保險(xiǎn)人向＿＿＿＿＿＿保險(xiǎn)企業(yè)（以下簡稱“本企業(yè)”）提交書面投保申請(qǐng)和相關(guān)資料（該投保申請(qǐng)及資料被視作本保險(xiǎn)單有效組成部分）,并向本企業(yè)繳付了本保險(xiǎn)單明細(xì)表中列明保險(xiǎn)費(fèi),本企業(yè)同意按本保險(xiǎn)單要求負(fù)責(zé)賠償在本保險(xiǎn)單明細(xì)表中列明保險(xiǎn)期限內(nèi)被保險(xiǎn)人保險(xiǎn)財(cái)產(chǎn)遭受損壞或滅失,特立本保險(xiǎn)單為憑。＿＿＿＿＿＿保險(xiǎn)企業(yè)＿＿＿＿＿＿授權(quán)簽字簽發(fā)日期:＿＿年＿＿月＿＿日簽發(fā)地點(diǎn):明細(xì)表保險(xiǎn)單號(hào)碼:一、被保險(xiǎn)人名稱和地址:二、保險(xiǎn)財(cái)產(chǎn)地址:三、營業(yè)性質(zhì):四、保險(xiǎn)項(xiàng)目及保險(xiǎn)金額項(xiàng)目保險(xiǎn)金額（一）保險(xiǎn)財(cái)產(chǎn)１．建筑物（包含裝修）:２．機(jī)器設(shè)備:３．裝置、家俱及辦公設(shè)施或用具:４．倉儲(chǔ)物品:５．其她:（二）附加費(fèi)用１．清除殘骸費(fèi)用:２．滅火費(fèi)用:３．專業(yè)費(fèi)用:４．其她費(fèi)用:總保險(xiǎn)金額:五、每次事故免賠額:六、保險(xiǎn)期限:共＿＿＿個(gè)月。自＿＿＿年＿＿月＿＿日零時(shí)起,至＿＿＿年＿＿月＿＿日二十四時(shí)止。七、保險(xiǎn)費(fèi)率:總保險(xiǎn)費(fèi):八、付費(fèi)日期:九、司法管轄本保險(xiǎn)單受中國司法管轄十、尤其條款財(cái)產(chǎn)險(xiǎn)保單明細(xì)表＿＿＿＿＿＿保險(xiǎn)企業(yè)

【名稱】PROPERTYINSURANCECLAUSES【題注】【章名】WholeDoc.【章名】I.THEPROPERTYINSUREDThepropertyinsuredshallrefertoallpropertiesandexpensesspe-cifiedintheScheduleofthisPolicy.UnlessspecificallyagreeduponinwritingbetweentheInsuredandtheCompanyandappraisedandvalue-establishedbyprofessionalsorassessors,thefollowingarticlesandtheexpensesrelevanttheretoshallnotbecoveredunderthisPolicy:1.gold,silver,pearls,diamonds,preciousstonesandjades;2.antiques,articlesofvirtue,ancientcoins,ancientbooksandancientpaintings;3.worksofartorpostagestamps;4.advertisements,aerials,neon,piecesofsolarenergyapparatusetc.onbuildings;5.computersystemrecordsoritsmakingandcopyingcosts.Undernocircumstancesshallthefollowingarticlesrelevanttheretobecoveredhereunder:1.guns,ammunitionorexplosives;2.banknotes,securities,bills,documents,files,accountbooksordrawings;3.animals,plantsandagriculturalcrops;4.mobilephones,portablecomputers,removablephotographapparatusorotherpreciousarticles;5.vehicleslicensedforgeneraltransportuse.【章名】II.SCOPEOFCOVERTheCompanyshallindemnifytheInsuredinrespectofthephysicallossofordamagetotheinsuredpropertystatedintheScheduleduringtheperiodofinsurancedirectlyarisingfromthefollowingperils:1.fire;2.explosion;butnotincludingexplosionofaboilerorotherpressurereliefdevices;3.lightning;4.hurricane,typhoonandtornado;5.storm,tempestandflood;butnotincludinglossordamagecausedbychangeinnormalwaterlevelorinundationfromseawaterorwaterescapeorleakagefromthenormalconfinesofanynaturalwatercourse,lakeorreservoir,canalordamaswellaslossofordamagetotheinsuredpropertycausedbystorm,tempestorfloodwhilebeingstoredintheopenorcoveredbyorunderashedthatchedwithreeds,tarpaulins,straw,asphaltfelt,plasticornylonsheet;6.hailstorm;7.landslide,rockslide,avalanche;8.volcanicexplosion;9.subsidenceofground;butnotincludinglossordamageresultingfrompiledriving,groundworkorexcavation;10.crashingaircraftandpartsorarticlesfallingfromaircraftandotherflyingobjects;11.burstingofwatertankorpipe;butnotincludingburstingofwatertankorpipeduetorust.【章名】III.EXCLUSIONSThisCompanyshallnotbeliablefor:1.lossofordamagetotheinsuredpropertyorexpensescausedbyintentionalactorgrossnegligenceoftheInsuredorhisrepresentative;2.lossofordamagetotheinsuredpropertycausedandexpensesincurredbyearthquakeortsunami;3.depreciation,lossofmarket,lossofuseandotherconsequentiallossesofanydescription;4.lossofordamagetotheinsuredpropertyorexpensesincurredarisingfromwar,warlikeoperation,hostilities,armedconflicts,terrorism,conspiracyinsurrection,coupd'etat,strike,riot,andcivilcommotion;5.confiscation,requisition,destructionordamagebyanyactionororderofanygovernmentdejureordefactoorbyanypublicauthorities;6.lossofordamagetoinsuredpropertydirectlyorindirectlycausedorexpensesincurredbynuclearfission,nuclearfusion,nuclearweapon,nuclearmaterial,nuclearradiationandradioactivecontamination;7.lossordamagecausedandexpensesincurredbypollutionofanykindordescriptionwhatsoeversuchasatmosphere,landandwaterpollutionsbutthisdoesnotincludelossordamagecausedbypollutionarisingfromPERILSspecifiedinArticleIIthePolicy;8.thedeductiblesstatedintheScheduletobebornebytheInsured;9.lossordamagearisingfromanyotherperilsnotlistedinArticleIIofthisPolicy.【章名】IV.TREATMENTOFCLAIM1.TheCompanyshallatitsoption,indemnifytheInsuredinrespectoflossordamagefallingwithintheScopeofCoverofthePolicybyeither:1.1payingtheamountoftheactualvalueofthepropertylostordamagedor;1.2payingthenecessarycostofrepairingorrestoringthedamagedpropertytoitsnearestconditionimmediatelyprecedingthedamageor;1.3repairingorrestoringthedamagedpropertytoaconditionneartootherpropertyoflikekindandquality.2.IndemnityunderthisPolicyshallbebaseduponthesoundmarketvalueofthepropertyprevailingatthetimeofloss.Ifthesoundmarketvalueofthedamagedpropertyislowerthanthesuminsuredofsuchproperty,theclaimshallbesettledonitsmarketvalue;Ifthesoundmarketvalueofthepropertyisinexcessofthesuminsured,theCompanyshallonlybeliableforsuchproportionoftheclaimasthesuminsuredofthedamagedpropertybearstoitssoundmarketvalue.IftheinsuredpropertyenumeratedintheScheduleismorethanoneitem,theprovisionofthisclauseshallapplytoeachthereof.3.Ifaclaimforlossofordamagetotheinsureditemissettledonatotallossbasis,thesalvagevalueofsuchitemshallbedeductedfromtheindemnitypayablebytheCompany.TheCompanymay,atitsoption,declinetheabandonmentofanydamagedpropertybytheInsured.4.Intheeventoflossofordamagetoanyequipmentiteminsuredformingpartofapairorset,theCompanyshallnotbeliableinrespectofeachofsuchitemlostordamagedformorethanitsproportionatepartofthesuminsuredonthecompletepairorset.5.Intheeventofanylossoccurrence,theCompanyshallalsopaytheInsuredfortheexpensesreasonablyincurredfortakingnecessarymeasurestominimizelossordamagetotheleastextent,butinnocaseshallsuchexpensesreferredheretoexceedthesuminsuredoftheinsuredproperty.6.Uponsettlementofaclaim,anendorsementshallbeissuedbytheCompanytoreducethesuminsuredcorrespondingtothepropertylostordamagedbytheamountsosettledfromthedateofloss,andnopremiumshallberefundedfortheamountsoreduced.IfreinstatementofthesuminsuredisrequiredbytheInsureduponsettlementoftheclaim,anadditionalpremiumforthereinstatedamountshallbechargedatanagreedrate,andbecalculatedonproratadailybasisfromthedateoflosstotheexpiryoftheinsurance.7.Thetimeofvalidityofaclaimunderthisinsuranceshallnotexceedaperiodoftwoyearcountingfromthedateofloss.【章名】V.INSURED'SOBLIGATIONSThefollowingObligationsshallbestrictlyfulfilledbytheInsuredandhisrepresentative:1.TheInsuredandhisrepresentative,whenapplyingforinsuranceshallmaketrueanswersordescriptionstothequestionsintheProposalandQuestionnaireortoanyotherquestionsraisedbytheCompany.2.TheInsuredandhisrepresentativeshallpaytotheCompanyinduecoursetheagreedpremiuminthemannerasprovidedintheScheduleandEndorsements.3.Duringtheperiodofthisinsurance,theInsuredshallathisownexpensetakeallreasonableprecautions,includingpayingsufficientattentiontoandputtingintopracticethereasonablerecommendationsoftheCompany,prudentlyselectingtheworkmenandemployeesandcomplyingwithallstatutoryregulationsandsafetyoperationprocedures.4.IntheeventofanyoccurrencewhichgivesormightgiverisetoaclaimunderthisPolicy,theInsuredorhisrepresentativeshall:4.1notifytheCompanyimmediatelyandwithinseven(7)daysoranyfurtherperiodasmaybeagreedbytheCompanyinwriting,furnishawrittenreporttoindicatethecourse,probablereasonandextentoflossordamage;4.2takeallnecessarymeasurestoavoidaggravationofthelossordamageandminimizeittotheleastextent;4.3preservethespotaffectedanddefectivepartsbeforeaninspectioniscarriedoutbyarepresentativeorsurveyorfromtheCompany;4.4furnishallsuchinformationanddocumentaryevidenceastheCompanymayrequireforsupportingtheclaim.【章名】VI.GENERALCONDITIONS1.PolicyEffectThedueobservanceandfulfilmentofthetermsandconditionsofthisPolicyinsofarastheyrelatetoanythingtobedoneorcompliedwithbytheInsuredshallbeaconditionprecedenttoanyliabilityoftheCompanyunderthisPolicy.2.PolicyVoidanceThisPolicyshallbevoidableintheeventofmisrepresentation,misdescriptionornon-disclosuremadebytheInsuredorhisrepresentativeinanymaterialparticularinrespectofthisinsurance.3.PolicyTerminationUnlessitscontinuancebeadmittedbytheCompanyinwriting,thisPolicyshallbeautomaticallyterminatedif:3.1theinsurableinterestoftheInsuredislost;3.2theriskoflossordamageisincreased.AfterterminationofthePolicy,thepremiumshallberefundedtotheInsuredcalculatedonproratadailybasisfortheperiodfromthedateofterminationtothedateofexpiry.4.PolicyCancellationThisPolicymaybecanceledatanytimeattherequestoftheInsuredinwritingorattheoptionoftheCompanybygivingafifteen(15)dayspriornoticetotheInsured.IntheformercasetheCompanyshallretainapremiumcalculatedonshorttermratebasisforthetimethePolicyhasbeeninforcewhileinthelattercasesuchpremiumshallbecalculatedonproratadailybasis.5.ForfeitofBenefitIftheclaimisinanyrespectfraudulent,orifanyfraudulentmeansordevicesareusedbytheInsuredorhisrepresentativetoobtainanybenefitunderthisPolicyorifanylossordamageisoccasionedbytheintentionalactorintheconnivanceoftheInsuredorhisrepresentative,theninanyofthesecases,alltherightsandbenefitsoftheInsuredunderthisPolicyshallbeforfeited,andallconsequentlossesarisingtherefromincludingtheamountofclaimpaidbytheCompanyshallbeindemnifiedbytheInsured.6.ReasonableInspectionTherepresentativeoftheCompanyshallatanysuitabletimebeentitledtoattendthesiteandinspectorexaminetheriskexplosureofthepropertyinsured.Forthispurpose,theInsuredshallprovidefullassistanceandalldetailsandinformationrequiredbytheCompanyasmaybenecessaryfortheassessmentoftherisk.TheabovementionedinspectionorexaminationshallinnocircumstancesbeheldasanyadmissiontotheInsuredbytheCompany.7.DoubleInsuranceShouldanyloss,damage,expensesorliabilityrecoverableunderthePolicybealsocoveredbyanyotherinsurance,theCompanyshallonlybeliabletopayorcontributehisproportionoftheclaimirrespectiveastowhethertheotherinsuranceisarrangedbytheInsuredorothersonhisbehalf,orwhetheranyindemnificationisobtainableundersuchotherinsurance.8.SubrogationWhereathirdpartyshallbeheldresponsibleforthelossordamagecoveredunderthisPolicy,theInsuredshall,whetherbeingindemnifiedbytheCompanyornot,takeallnecessarymeasurestoenforceorreservetherightofrecoveryagainstsuchthirdparty,anduponbeingindemnifiedbytheCompany,subrogatetotheCompanyalltherightofrecovery,transferallnecessarydocumentstoandassisttheCompanyinpursuingrecoveryfromtheresponsibleparty.9.DisputeAlldisputesunderthisinsurancearisingbetweentheInsuredandtheCompanyshallbesettledthroughfriendlynegotiations.Wherethetwopartiesfailtoreachanagreementafternegotiations,suchdisputeshallbesubmittedtoarbitrationortocourtforlegalactions.Unlessotherwiseagreed,sucharbitrationorlegalactionshallbecarriedoutintheplacewherethedefendantisdomiciled.【章名】VII.SPECIALPROVISIONSThefollowingprovisionsshallbeappliedtoallpartsofthisPolicyandshalloverridetheothertermsandcondition