第一条 本条例依据《中华人民共和国经济合同法》的有关规定制定。
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.
第二条 本条例所指的财产保险，包括财产保险、农业保险、责任保险、保证保险、信用保险等以财产或利益为保险标准的各种保险。
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.
本条例中的保险事故，是指发生保险合同责任范围内的事故。
The event mentioned in the present Regulations refers to and event coming within the scope of cover under the contract of insurance.
第三条 财产保险的投保方（在保险单或保险凭证中称被保险人），应当是被保险财产的所有人或者经营管理人或者是对保险标的有保险利益的人。
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.
投保方向保险 方申清订立保险合同，负责交纳保险费的义务。
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.
第四条 保险合同当事人根据《中华人民共和国经济合同法》第五十条规定，向合同管理机关申请调解或仲裁，应从其知道或应当知道保险事故发生之日起一年内提出。
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.
第五条 投保方提出投保要求，填具投保单，经与保险方商定交付保险费办法，并经保险方签章承保后，保险合同即告成立，保险方并应根据保险合同及时向投保方出具保险单或者保险凭证。
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.
第六条 投保方可以与保险方订立预约保险合同。
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.
保险方应当根据保险合同向投保方出具预约保险单，以资证明。
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.
预约保险合同应当订明预约的保险责任范围、保险财产范围、每一保险或一地点的最高保险金额、保险费结算办法等。
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.
在预约保险合同有效期内，投保方应当将预约保险合同范围内的每一笔保险，按规定及时向保险方书面申报；保险方对投保方每一笔书面申报，均应当视作预约 保险合同的一部分， 按保险合同承担保险责任。
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.
保险方有权查对申报内容，如有遗漏，投保方必须补报。
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.
投保方有权要求保险方对申报的每一笔保险，出具单独的保险单。
The Insured may ask the Insurer to issue a separate policy for any one risk declared.
第七条 在订立保险合同时，保险方应当将办理保险的有关事项告知投保方；投保方应当按照保险方的要求，将保险方在决定其是否接受承保或者据以确定保险费率所需了解的有关主要危险情况告知保险方。
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.
保险合同成立后，如果发现投保方对本条上款所述的主要危险情况不申报或者有隐瞒或者作错误的申报，保险方有权解除保险合同或者不负赔偿责任。
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.
第八条 由于投保方的故意而发生保险事故，造成保险财产损失的，保险方不承担赔偿责任。
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.
第九条 在保险合同有效期内，投保方和保险方可以协议变更保险合同的内容。
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.
对于变更保险合同的任何协议，保险方均应当在原保险单、保险凭证上批注或者附贴批单，以资证明。
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.
第十条 保险合同一经成立，保险方不得在保险有效期内终止合同。
Article 10.
Once a contract of insurance is concluded, the Insurer shall not terminate it during its currency.
如果按法律或者保险合同的协议，保险方提前终止保险合同时，则应将按日计算的未到期的保险费，退还投保方。
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.
投保方要求终止合同时， 保险方有权按照国家保险管理机关规定的短期费率表的规定，收取自保险生效日起至终止合同日为止的保险费，退还投保方原己交付的保险费。
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.
但货物运输和运输工具的航程保险，保险责任一经开始，除非保险合同另有规定，投保方不能要求终止合同，也不能要求退还保险费。
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.
第十一条 除货物运输保险的保险单或者保险凭证可由投保方背书转让，毋须征得保险方同意外，其他保险标准的过户、转让或者出售，事先应当书面通知保险方，经保险方同意并将保险单或者保险凭证批改后方为有效， 否则从保险标准的过户、 转让或者出售时起，保险责任即行终止。
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 投保方的义务
CHAPTER III OBLIGATIONS OF THE INSURED