华泰财产保险股份有限公司InstituteTimeClauses-HullsTotalLossGeneralAverageAnd34thsCollision Liability
华泰财产保险D&O --英文--非报备
HUATAI INSURANCE COMPANY OF CHINA, LIMITED DIRECTORS & OFFICERS LIABILITY INSURANCE POLICYWORDINGIn consideration of the payment of the Premium and in reliance upon all statements made and information furnished to Huatai Insurance Company of China, Limited (“Huatai”), including statements made in the proposal and materials accompanying it, and subject to all terms, conditions, exclusions and limitations of this Policy, Huatai agrees with the Insured(s) and with the Company as follows:1. Insuring AgreementHuatai shall pay on behalf of the Insured(s) all Loss which they are legally obligated to pay, and/or shall pay on behalf of the Company all Loss which the Company is legally required or permitted to pay the Insured(s) as advancements or indemnity under applicable company indemnity laws, rules, regulations or agreements, for any Claim against the Insured(s) for a Wrongful Act, provided the Claim is first made against the Insured(s) during the Policy Period.2. Definitions(a)“Administrative Authority” mean s any national, provincial, local government, orgovernmental or administrative body, agency or commission.(b)“Claim” means any notice received by, the Company, or by the Insured(s) alleged tohave committed a Wrongful Act, of the intention of a person or entity to hold theInsured(s) responsible for the results of any Wrongful Act, including any demandreceived by the Insured(s) for money or services naming the Insured(s) asdefendant(s), or the institution of legal, arbitration or administrative proceedingsagainst the Insured(s).(c)“Company” means the Company shown in Item 2 of the Schedule and anySubsidiary.(d)“Deductible” means the amount shown in Item 5 of the Schedule.(e)“Defence Costs” means reasonable legal fees, costs and expenses incurred by or onbehalf of the Insured(s) with the prior written consent of Huatai (but shall notinclude wages, salaries or other remuneration of the Insured(s) or of anyemployee of the Company) which are necessary to defend or appeal a Claimcovered by this Policy.(f)“Discovery Period” means the period of 12 months referred to in Clause 3(f) whichshall run from the date this Policy expires.(g)“Employment Practice Liability” means, with respect to any past, present orprospective employee of the Company, any actual or alleged:(1)employment-related sexual or other unlawful harassment;(2)termination of employment which is against the law;(3)employment-related unlawful discrimination;(4)employment related denial of justice;(5)false or misleading advertising or representation involving terms orconditions of employment with the Company;(6)employment-related defamation;(7)failure to employ, promote or grant tenure;(8)unfair deprivation of career opportunity;(9)unfair discipline or evaluation of employment performance;(10)failure to provide or adhere to adequate employment policies orprocedures;(11)violation of any laws or regulations governing employment practices;(12)breach of employment contract;(13)employment-related invasion of privacy.(h)“Insured(s)” means all natural persons who were, now are or shall be director s,supervisors, officers, company secretaries or employees (but only where such employees are acting in a managerial capacity) of the Company.The term Insured(s) shall also include:(1)the lawful spouses of all directors, supervisors, officers, companysecretaries or employees (but only where such employees are acting in amanagerial capacity) of the Company;(2)the estates, heirs or legal representatives of deceased persons who weredirectors, supervisors, officers , company secretaries or employees (butonly where such employees are acting in a managerial capacity) of theCompany at the time of the Wrongful Act upon which the Claim is based;(3)the legal representatives of directors, supervisors, officers, companysecretaries or employees (but only where such employees are acting in amanagerial capacity) of the Company in the event of incompetency,insolvency or bankruptcy;The term Insured(s) shall not include:(1) a receiveror or a liquidator;(2)an official manager;(3)an external auditor;(4) a trustee or administrator of any occupational pension scheme oremployment benefit programmes.or any employee(s) of such person(s).(i)“Investigation” means any investigation, inquiry, public examination, commissionor prosecution, criminal or otherwise;(j)“Loss” means any da mages, judgments, settlements and Defence Costs. Loss shall not include fines or penalties imposed by law, punitive or exemplary damages, taxes, any amount for which the Insured(s) is not legally liable or any matter deemed uninsurable under the law. Damages, judgments, settlements and Defence Costs incurred with respect to more than one Claim against the Insured(s), but resulting from a single Wrongful Act shall constitute a single Loss.(k)“Non-Profit Organisation” means any corporation, institution, associ ation, trust, fund or foundation established for any social, community, charitable or industry purpose to provide services or benefits to its members and not for the purpose of making profits.(l)“Outside Directorship” means the position held by the Insured(s) in an Outside Organisation with the knowledge and consent and at the request of the Company.(m)“Outside Organisation” means any company or organisation, other than the Company, in which an Outside Directorship is held.(n)“Policy” means:(1)the Insuring Agreement, the Definitions, the Extensions, the Exclusions,the Conditions and all other terms contained herein;(2)the Proposal and any attachments thereto;(3)any Endorsement attaching to and forming part of this Policy either atcommencement of the Policy Period or during the Policy Period.(o)“Policy Period” means the period of time shown in Item 3 of the Schedule of this Policy.(p)“Premium” means the premium shown in Item 6 of the Schedule and any additional premium shown in any Endorsement attaching to and forming part of this Policy. (q)“Subsidiary” means any company, including any company held directly or indirectly through one or more Subsidiaries, in which, at the inception of the Policy Period:(1)the Company:(a)controls the composition of the Board of Directors; or(b)controls the voting power at any general meeting; or(c)holds more than 50% of the issued share capital; and(2)the accounts are consolidated with the accounts of the Company inaccordance with professionally accepted Accounting Standards for theconsolidation of accounts applicable in the country in which this Policywas issued.(r)“Wrongful Act” means any actual or alleged act, error, omission, breach of duty, misstatement or misleading statement by the Insured(s) while acting in theircapacity as Insured(s) of the Company or of any Outside Organisation to whichthe Outside Directorship Extension applies.3. ExtensionsThe following Extensions, which are automatically included in this Policy, are subject to all of the terms, conditions, exclusions and. limitations of this Policy. These Extensions do not increase the Limit of Liability unless Huatai otherwise agrees in writing.(a)Advancement of Defence CostsHuatai shall pay Defence Costs on behalf of the Insured(s) on an ongoing basisprior to the final payment or settlement of any Claim PROVIDED THAT:(1)such Defence Costs are incurred with the prior written consent of Huatai;(2)such advance payments by Huatai shall be repaid to Huatai in the eventthat the Insured(s) shall not be entitled to payment of any Loss or receiptof any benefit under this Policy.(b)Investigations, Inquiries, Prosecutions (Criminal Or Otherwise)Huatai shall pay on behalf of the Insured(s) on an ongoing basis prior to the finalpayment or settlement of any Claim all reasonable legal fees, costs and expensesincurred in being legally represented at any Investigation PROVIDED THAT:(1)the Investigation involves an allegation that the Insured(s) committed aWrongful Act;(2)the allegation is first made against the Insured(s) during the Policy Period;(3)such legal fees, costs and expenses are incurred with the prior writtenconsent of Huatai;(4)this Extension does not cover any fines or penalties imposed by law;(5)this Extension does not cover wages, salaries or other remuneration of theInsured(s) or of any employee of the Company;(6)such advance payments by Huatai shall be repaid to Huatai in the eventthat the Insured(s) shall not be entitled to payment of any Loss or receiptof any benefit under this Policy.(c)Acquisition Creation Sale or Dissolution of SubsidiariesIf during the Policy Period the Company acquires or creates a Subsidiary that:(1)increases the Company’s total assets by no greater than 10% based on theCompany’s latest annual report; and(2)is domiciled outside of the United States of America or Canada,then the Insured(s) of such Subsidiary shall be automatically covered by this Policy for Claims for Wrongful Acts committed or alleged to have been committed on or after the effective date of such acquisition or creation, and no notice needs to be given to Huatai relating to the acquisition or creation of such Subsidiary and no additional premium shall be paid relating to this extended cover.If during the Policy Period the Company acquires or creates a Subsidiary that either increases the Company’s assets by more than 10%, or is domiciled in the United States of America or Canada, and written notice of such acquisition or creation is given to Huatai as soon as practicable, and the Company agrees to pay any additional premium required and agrees to any amendments to the Policy required by Huatai relating to such Subsidiary, then the Insured(s) of such Subsidiary shall be covered by this Policy for Claims for Wrongful Acts committed or alleged to have been committed on or after the effective date of such acquisition or creation.If during the Policy Period the Company acquires or creates a Subsidiary, and if the Insured(s) require cover for Claims for Wrongful Acts committed or alleged to have been committed prior to the effective date of such acquisition or creation, Huatai may at its discretion, and subject to the payment of an appropriate additional premium, agree to provide such cover after presentation and consideration of a complete proposal and all necessary information.If the Company effects a sale or dissolution of a Subsidiary, cover under this Policy shall apply to any person who was an Insured(s) of that Subsidiary prior to the sale or dissolution PROVIDED THA T cover shall only apply for or in respect of Claims for Wrongful Acts committed or alleged to have been committed prior to the effective date of sale or dissolution.(d)Continuous CoverNotwithstanding Exclusions 4(b), (c) and (d), and in the absence of fraudulent non-disclosure, this Policy extends to cover the Insured(s) for any Claim, and for any Wrongful Act which may give rise to a Claim, which should or could have been notified to Huatai under any other preceding directors and officers liabilityinsurance policy issued by Huatai and which is notified during the Policy Period, PROVIDED THAT:(1)Huatai has been the insurer pursuant to any other preceding directors andofficers liability insurance policy continuously between the date whensuch notification should have been given and the date when notificationwas in fact given;(2)the terms, conditions and limits of this Policy shall not apply to thisExtension, which shall be subject to the terms, conditions and limits of thepreceding Huatai directors and officers liability insurance policy whichapplied at the date on which such notification should have been given. (e)Outside DirectorshipsFor the period during which the Outside Directorship is held this Policy covers:(1)Outside Directorships in any Outside Organisation listed in the Schedule ofOutside Directorships attached to this Policy; and(2)Outside Directorships in Non-Profit Organisations.Cover for any other Outside Directorships is subject to:(3)receipt of the most recent annual reports and audited financial statementsfor each Outside Organisation proposed;(4)receipt of details of any Directors and Officers Liability Insurance Policyheld by or on behalf of the Outside Organisation or its directors,supervisors, officers, company secretaries and employees;(5)receipt of any other information which Huatai may require;(6)acceptance by Huatai in writing of each Outside Directorship.If during the Policy Period the Insured(s) ceases to hold an Outside Directorship the cover provided by this Policy for such Outside Directorship shall continue, PROVIDED THAT the Claim for Loss arises from a Wrongful Act which occurred prior to the Outside Directorship ceasing.The cover provided by this Policy for Outside Directorships does not extend to cover:(7)any Outside Organisation in which the Outside Directorship is held or anyother director, supervisor, officer, company secretaries and employee ofsuch Outside Organisation;(8)any claim made against the Insured(s) the Outside Organisation or any ofits directors, supervisors, officers, company secretaries and employees;(9)Loss with respect to which insurance cover is available pursuant to anyunderlying policy listed in the Schedule of Outside Directorships attachedto this Policy.(f)Discovery PeriodIf Huatai refuses to renew this Policy, the Company and/or the Insured(s) mayupon payment of an additional 50% of the full annual premium extend the coverunder this Policy for a period of 12 Months which shall run from the date thisPolicy expires, for any Claim first made against the Insured(s) during theDiscovery Period and notified in writing to Huatai during the Discovery Period,but only in respect of Wrongful Acts committed or alleged to have beencommitted before the date of expiration of the Policy Period.The right of the Company and/or the Insured(s) to exercise the Discovery Periodmust be by notice to Huatai in writing within 30 days of expiration of the PolicyPeriod and the Company shall elect equally to exercise its right (if any) to thisextension of cover under any directors and officers insurance policy issued inrespect of the same Policy Period.The right to exercise the Discovery Period does not apply in the event ofcancellation of this Policy. Huatai’s offer of renewal terms, conditions, limits ofliability or premium different from those of the expiring policy shall not constitutea refusal to renew.4. ExclusionsHuatai shall not be liable to make any payment for Loss in connection with any Claim made against the Insured(s) or any payment in connection with any Investigation involving an allegation made against the Insured(s), in either case based on, arising from or attributable to:(a)(1) fraudulent, dishonest or criminal acts of the Insured(s) if such acts arefound by any Court or Administrative Authority to be fraudulent,dishonest or criminal;(2) any personal profit or advantage gained in fact by the Insured(s) to whic hsuch Insured(s) was not legally entitled.(b)any litigation or other proceedings begun before the prior and pending litigationdate shown in Item 7 of this Policy or alleging the same or essentially the samefacts alleged in prior or pending litigation.(c)any fact, circumstance, act, omission. or claim of which notice has been given underany policy existing or expired before or on the inception date of this Policy.(d)any fact, circumstance, act or omission which may give rise to a claim and of whichthe Company or the Insured(s) are aware prior to the inception of this Policy.(e)any Claim brought by or on behalf of the Insured(s) or the Company other than anyClaim:(1)arising from an Employment Practice Liability;(2)instigated by a shareholder or group of shareholders of the Company in thename of the Company without the participation, solicitation or assistanceof any Insured(s) or the Company;(3)instigated by a receiver or a liquidator without the participation, solicitation,or assistance of the Insured(s) or the Company;(4)for contribution or indemnity, if the Claim for contribution or indemnitydirectly results from a Claim which is covered under this Policy.(f)any Claim brought against any person acting in the capacity:(1)as trustee or administrator of a superannuation scheme; or(2)as external auditor.(g)(1) any injury, damage, expense, cost, loss, liability or legal obligation in anyway related to pollution however caused including shareholder orderivative Claims arising from or attributable to such pollution. Pollutionincludes the actual, alleged or potential presence in or introduction into theenvironment of any substance, if such substance has, or is alleged to have,the effect of making the environment impure, harmful or dangerous.Environment includes any air, land, structure or the air therein,watercourse or water, including groundwater; or(2) the hazardous properties of nuclear or radioactive material.(h)any Claim for:(1)bodily injury, sickness, disease, death or emotional distress of any person,provided however that any Claim for emotional distress shall not beexcluded with respect to any actual or alleged Employment PracticeLiability; or(2) damage to or destruction of any tangible property including loss of use ofsuch property.5. Conditions(a)AllocationsIf a Claim against the Insured(s) includes causes of action against uninsureddefendants, allegations of uninsured damages, uninsured acts or other uninsuredmatters, Huatai, the Company and the Insured(s) agree to use their best efforts toagree upon a fair and proper allocation of defence costs, settlements and damagesbetween Huatai, the Company and the Insured(s).(b)AssignmentThis Policy and any rights hereunder may not be assigned without the written consent of Huatai.(c)Claims, Circumstances or Investigations - NotificationsThe Company and the Insured(s) shall give written notice to Huatai as soon as practicable of(1)any Claim first made during the Policy Period;(2)any facts or circumstances of which they shall first become aware duringthe Policy Period which may give rise to a Claim;(3)any notice first received during the Policy Period of any Investigation(s),but in no event later than 45 days after this Policy expires, or, in the case of Claims first made, facts and circumstances of which the Company and/or the Insured(s) shall first become aware and notice(s) of any Investigation(s) first received during the Discovery Period, if applicable, no later than 45 days after the Discovery Period expires. Notice and all information regarding a Claim, a circumstance that may result in a Claim or an Investigation shall be sent in writing to Huatai at [insert address] or by facsimile to [insert facsimile number].The Company and the Insured(s) shall give Huatai such information and cooperation as it may reasonably require to enable Huatai to investigate and determine both its liability under this Policy and the extent of the Insured(s’) actual or potential liability for any Claim or arising from any facts or circumstances which may give rise to a Claim.If during the Policy Period or Discovery Period, if applicable, the Insured(s) shall become aware of an actual or alleged Wrongful Act which may subsequently give rise to a Claim and during such period gives immediate notice to Huatai of such Wrongful Act, any Claim later made against the Insured(s) arising out of that Wrongful Act shall, for the purposes of this Policy, be treated as a Claim made during the Policy Period or Discovery Period, if applicable, in which such notice was first given. Notice of such Wrongful Act must contain a specific description of the actual or alleged Wrongful Act, state by whom it was committed or alleged to have been committed, and describe the material facts or circumstances which may give rise to a Claim.(d)Claims - Defence & SettlementNeither the Company nor the Insured(s) shall admit liability for or settle any Claim or incur Defence Costs without Huatai’s prior written consent, which consent shall not be unreasonably withheld.Huatai shall at all times have the right but not the duty to associa te in the investigation, defence or settlement of any Claim to which this Policy may apply.Huatai shall at all times have the right but not the duty to assume conduct in thename of the Insured(s) of the defence or settlement of any Claim or any claim for contribution or indemnity against any person or entity with respect to which the Insured(s) may have rights.Huatai and the Insured(s) shall not be required to contest any Claim unless a lawyer (to be mutually agreed upon by Huatai and the Insured(s)) shall advise that the Claim should be contested. The lawyer shall take into consideration the economics of the Claim, the damages and costs which are likely to be recovered by the plaintiff, the Defence Costs which will be incurred in contesting the Claim and the prospects of the Insured(s) successfully defending the Claim. The costs of obtaining such opinion from the lawyer shall be paid by Huatai as part of the Defence Costs. Should the lawyer advise that in all the circumstances the Claim should not be contested but should be settled Huatai and the Insured(s) shall not object to or oppose settlement of the Claim within the limits advised by the lawyer as being reasonable.(e)ConfidentialityThe Company or the Insured(s) may disclose that it has paid or agreed to pay a premium in respect of a contract insuring the Insured(s) against a liability.The Company or the Insured(s) shall not, without Huatai’s prior written consent, otherwise disclose the existence of or the terms of this Policy, including but not limited to the identity of Huatai, the limit of liability and the premium, unless required to do so by law.(f)DeductibleThe Company shall pay the Deductible for all Loss resulting from each Claim.Huatai shall have no obligation to pay Loss until the Insured(s) o r the Company have incurred Loss in the amount of the Deductible if applicable, except that, if the Company is unable to pay the amount of the Deductible due to insolvency then, subject to all other terms and conditions of this Policy, Huatai shall pay suc h Loss.If two or more Claims are made against any Insured(s) arising out of a single Wrongful Act, or out of a series of related Wrongful Acts, the Claims shall be treated as a single Claim for the purpose of applying the Deductible. This single Claim will be treated as if it was first made during the Policy Period at the earlier of:(1)when the earliest Claim was first made, or(2)when the earliest circumstance giving rise to a Claim was notified.The Deductible shall apply to all Loss for which advancement or indemnification by the Company is required or permissible under company indemnification laws, rules, regulations or agreements regardless of whether or not the Company actually advances or indemnifies the Insured(s) for such Loss.The amount of any Deductible payable will be calculated after deduction of any tax credit that is or may be available to the Company for payment of the Deductible.(g)Limit of LiabilityThe amount shown in Item 4 of the Schedule is Huatai’s maximum aggregate liability for all Loss including Defence Costs, arising from all Claims first made against the Insured(s) during the Policy Period and the Discovery Period if applicable.Two or more Claims arising out of a single Wrongful Act or a series of related Wrongful Acts shall be treated as a single Claim. All such Claims shall be treated as if first made during the Policy Period or Discovery Period at the earlier of:(1)when the earliest Claim was first made, or(2)when the earliest circumstance giving rise to a Claim was notified.(h)Loss MitigationThe Company and the Insured(s) shall, at their own cost, use due diligence and do and concur in doing all things reasonably practicable to avoid, or diminish any Loss under this Policy.(i)Non-Executive DirectorsIn the event that Huatai is entitled to avoid this Policy from inception, or from the time of any variation in cover, due to non-disclosure or misrepresentation by the Insured(s), Huatai shall maintain cover for non-executive directors who are Insured(s) under this Policy until the expiry date of the Policy Period. Provided that such non-executive directors are able to establish to the satisfaction of Huatai that they are innocent and free from all such fraudulent conduct, non disclosure, misrepresentation or intent to deceive. Any return of premium or amendment to the terms of this Policy shall be at the discretion of Huatai.(j)Other InsuranceUnless otherwise required by PRC laws, this Policy shall apply only as excess over any other valid and collectible insurance. However, if a Loss is not covered by the other insurance but would be covered under this Policy, this is hereby agreed that this Policy would drop down and serve as the primary policy.(k)Governing LawThis Policy shall be governed by and interpreted in accordance with the laws of the Peopl e’s Republic of China.The parties to this Policy shall choose one of the following methods to resolve any dispute in connection with this Policy:(1)Any dispute arising out of the performance of or in connection with thisPolicy shall be resolved through consultations in good faith. If thedispute cannot be resolved through such consultations, the dispute shall:(a)Where the party(ies) other than Huatai is a PRC citizen or entity, besubmitted to the China International Economic and Trade ArbitrationCommission in Beijing for arbitration in accordance with theFinancial Disputes Arbitration Rules administered by CIETAC at thetime of the arbitration; and(b)Where the party(ies) other than Huatai is not a PRC citizen or entity,be submitted to the Hong Kong International Arbitration Centre (the“HKIAC”) for arbitration in accordance with the UNCITRALArbitration Rules administered by the HKIAC at the time of thearbitration, or be submitted to the China International Economic andTrade Arbitration Commission in Beijing for arbitration inaccordance with the Financial Disputes Arbitration Rulesadministered by CIETAC at the time of the arbitration; or(2)Any dispute arising out of the performance of or in connection with thisPolicy shall be resolved through consultations in good faith. If thedispute cannot be resolved through such consultations, the dispute shall besubmitted to the PRC courts for litigation in accordance with relevant lawsand regulations.(l)Representation and SeverabilityHuatai has relied upon the statements made in the proposal, the supplementary proposal(s) if any, and materials accompanying them in granting cover under this Policy. All such statements and materials form the basis of the contract of insurance.The proposal(s) shall be construed as separate proposal(s) by each of the Insured(s) and, with respect to statements made and particulars provided in the proposal(s), no such statements or particulars, and no information possessed by the Insured(s), shall be imputed to any other Insured(s) to determine whether cover is available for any Claim against such other Insured(s).(m)SubrogationIn the event Huatai makes any payment under this Policy, Huatai shall be subrogated to all rights of recovery of all Insured(s), and the Insured(s) shall fully cooperate with Huatai in securing such rights, including but not limited to the execution of any documents necessary to enable Huatai to effectively bring suit in the name of the Company or the Insured(s).(n)Takeovers and MergersIf during the Policy Period the Company merges with or consolidates into another。
华泰财产保险有限公司简介
华泰财产保险有限公司简介
华泰财产保险有限公司（以下简称“华泰财险”）是华泰保险集团股份有限公司全资设立的子公司。
2011年7月，经中国保监会批准注册成立，注册资本金30亿元人民币，注册地为上海。
公司成立后承接了华泰保险集团财产险及责任险业务与机构网络，目前在全国百余
座城市设有180多家分支机构，经营范围涵盖财产损失险、责任险、水险、意外伤害险、健康险、能源险、艺术品险、取消险等保险业务。
长期以来，华泰财险坚持走“集约化管理、专业化经营、差异化竞争、质量效益型发展”道路，持续加强产品与渠道创新，优化运营环节，提升客户体验，历经18年的发展和探索，已成为业界一家拥有一流承保能力及承保经验、领先产品研发与渠道创新能力、全面风险管控能力、高效理赔服务体系与服务水平、业绩连年实现稳健成长、品牌形象与社会声誉良好的保险公司。
着眼未来，华泰财险将继续以集团为依托，“推转型、稳效益、促发展”，追求“专注、专业、效能”，培育差异化竞争优势，全面深化改革寻求突破，推动公司脱颖而出；确立细分市场领导者地位，努力实现“专业化、国际化、高品质”金融保险服务企业的战略目标。
华泰财产保险股份有限公司协会解约通知、保险自动终止及战争、核风险除外条款
华泰财产保险有限公司协会解约通知、保险自动终止及战争、核风险除外条款本条款为首要条款，本保险中任何与本条款不一致的约定，应以本条款为准。
1.解约被保险人或被保险人可提前7日通知解除承保战争等风险的保险（保险人发出或收到解除通知之日零时起7日后解除生效）。
但保险人同意当保险人与被保险人在解除通知到期之日前就新的保险费率与条款保证达成协议的，保险重新生效。
2.保险自动解除无论是否发出解约通知，当面临战争等风险时，本保险自动解除。
2.1当下列国家间爆发战争时（无论宣战与否）：英国、美国、法国、俄罗斯、中国2.2本保险项下的任何船舶为所有权或使用权而被征用。
3.五大国战争与核风险除外责任本保险不承保下列风险：3.1下列事项导致的损失、损害、责任或费用：3.1.1战争爆发，无论是否宣战或在下列国家间爆发：英国、美国、法国、俄罗斯、中国3.1.2 无论为所有权或使用权的征用3.2 直接或间接由下列事项导致的损失、损害、责任或费用：3.2.1任何核燃料、核废料或核燃料燃烧所生的电离辐射或辐射污染3.2.2任何核设施、反应器或其他核子装置或其核组件的辐射、毒素、爆炸或其他危害或污染物质3.2.3任何使用原子或/和裂变、聚变或其他类似反应或辐射力或辐射物质之武器或设备。
INSTITUTE NOTICE OF CANCELLATION,AUTOMATIC TERMINATION OF COVER AND WAR AND NUCLEAR EXCLUSIONS CLAUSE –HULLSThis clause shall be paramount and shall override anything contained in this insurance inconsistent therewith1 CancellationCover hereunder in respect of the risks of war, etc. may be cancelled by either the Underwriters or the Assured giving 7 days notice (such cancellation becoming effective on the expiry of 7 days from midnight of the day on which notice of cancellation is issued by or to the Underwriters). The Underwriters agree however to reinstate cover subject to agreement between the Underwriters and the Assured prior to the expiry of such notice of cancellation as to new rate of premium and/or conditions and/warranties.2 Automatic Termination of CoverWhether or not such notice of cancellation has been given cover hereunder in respect of the risks of war, etc, shall TERMINA TE AUTOMA TICALL Y2.1 upon the outbreak of war (whether there be a declaration of war or not) between any of the following:United Kingdom, United States of America, France, the Russian Federation, the People’s Republic of China;2.2 in respect of any vessel, in connection with which cover is granted hereunder, in the event of such vessel being requisitioned either for title or use.3 Five Powers War and Nuclear ExclusionsThis insurance excludes3.1 loss damage liability or expense arising from3.1.1 the outbreak of war, whether there be a declaration of war or not between any of the following:United Kingdom, United States of America, France, the Russian Federation, the People’s Republic of China;3.1.2 requisition either for title or use3.2 loss damage liability or expense directly or indirectly caused by or arising from3.2.1 ionising radiations from or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel3.2.2 the radioactive, toxic, explosive or other hazardous or contaminating properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof3.2.3 any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.。
(金融保险)华泰财产保险股份有限公司概况
华泰财产保险股份有限公司二〇〇三年概况一、公司概况华泰财产保险股份有限公司是中国第一家全国性股份制财产保险公司，1996年8月29日在北京开业，注册资本金13.33亿元人民币。
公司60余家发起股东多为实力强、规模大、效益好的大型企业和企业集团，覆盖了石油、电力、冶金、电子、化工、航空、建筑、轻工、船舶等24个行业，股东总资产超过1万亿人民币。
华泰保险公司财务基础雄厚，偿付能力充足，专业技术和风险防范意识领先，为国内外数十万客户提供了值得信赖的保险服务。
华泰是国内首家外资参股的财产保险公司，美国ACE保险集团作为公司重要股东和战略合作伙伴，为公司提供了多方面的支持和协助，使华泰的管理技术和经营水准向国际化标准靠拢。
华泰保险公司在全国26个城市设有分支机构，形成了面向全国的经营布局。
二、发展战略公司根据“专业化经营，质量效益型发展”的战略方针，努力调整险种结构，改善业务质量，拓展目标市场，培育目标客户。
面对日益激烈的市场竞争环境，坚持科学的发展观，依靠创新把公司做大做强。
公司通过外资参股，进一步优化了股权结构，引进了先进的管理理念和技术、资金、人才等战略资源，在承保选择、风险管控、量化管理以及快速实施等方面，开始形成新的竞争优势，并且将在产品、销售渠道、服务和管理等方面加强创新，进一步提高公司管理水平和竞争能力。
按照专业化分工、个人负责制和扁平化管理的原则，华泰逐步建立并完善了新的保险业务管理架构。
公司加强了对分支机构的管控力度，在核保、理赔、财务、人事、信息技术等方面实行垂直化管理。
在一些增长潜力大的业务领域，公司还将通过建立事业部的方式，整合业务资源，协调步伐，加快发展速度。
在巩固和发展现有财产保险和投资业务的基础上，公司积极筹备成立寿险公司和保险资产管理公司，朝着建立金融保险集团的方向发展。
三、经营业绩华泰保险公司自成立以来，保险业务稳健经营，健康发展；投资业务经营业绩突出，在业内居领先地位；公司保持着稳定的盈利和分红水平，为股东提供满意的投资回报。
2011 年10月起担任华泰人寿保险股份有限公司临时负责人。
高级管理人员简历及其履职情况谭硕伦（Saloon Tham）：男，马来西亚国籍。
1989年毕业于加拿大滑铁卢（沃特卢）大学数学系，先后获得学士、硕士学位。
谭硕伦先生是美国精算师学会会员、加拿大精算师学会会员、美国精算学会会员、美国注册承保师和中国精算师协会会员。
2004年6月，参与华泰人寿保险股份有限公司的筹备，任筹备工作小组组长。
2005年3月-2009年12月任华泰人寿总经理。
2010年12月起担任华泰人寿保险股份有限公司董事。
2011年10月起担任华泰人寿保险股份有限公司临时负责人。
杨万林：男，中共党员，中共中央党校本科毕业，现任华泰人寿保险股份有限公司资深副总经理。
1997至2004年先后在太平洋保险公司任培训主任、银行业务分部经理、中国人寿北京分公司任个人业务处副处长、培训部副处长（主持工作）。
2004年8月加入华泰人寿保险股份有限公司，先后担任公司助理副总经理、副总经理。
凌宇律：男，上海电力学院专科毕业、美国普莱斯顿和上海交大联办MBA课程工商管理硕士。
2000年至2009年先后在恒康天安人寿保险有限公司任业务副总经理、中意人寿保险北京分公司任营销副总裁、中意人寿保险公司任副总裁、首席个险执行官、美国友邦保险有限公司任中国区副总裁、副首席业务执行官。
2009年10月加入华泰人寿保险股份有限公司，任公司资深副总经理。
段胜武：男，中共党员，北京大学历史学学士、中国人民大学法学硕士。
1996年参与筹组华泰财产保险股份有限公司，担任公司投资部总经理，1999年担任公司总经理助理，先后兼任公司办公室总经理、人力资源部总经理、研究发展部总经理。
2005年起任华泰人寿保险股份有限公司副总经理，同时任公司董事会秘书、合规负责人。
苏德刚：男，甘肃工业大学工学学士、吉林工业大学硕士研究生毕业，副教授。
1999年至2007年先后在恒康天安人寿保险公司任助理副总经理、瑞泰人寿保险有限公司任副总经理兼运营总监、招商信诺人寿保险有限公司任运营总监。
华泰财产保险股份有限公司International Navigating Conditions
华泰财产保险有限公司国际航行条款1、航行限制除非保险人按下列第三条内容另行同意，否则船舶不可在任何时候（或在以下特别注明的日期内）驶入、航行于或停留在下述区域内：区域一：北极圈北纬70度以北巴仑支海区域二：北方海域若船舶不驶入、航行于或停留在北纬72度30分以北/东经35度以东，可以挂靠科拉湾摩尔曼斯克或挪威的任何港口或地点：白海楚可其海（西伯利亚东北部）区域三：波罗的海12月10日至5月25日之间，波的尼亚湾（芬兰和瑞典之间）北纬63度50分的Umea和北纬63度06分的Vasa一线以北；小于等于90000载重吨的船舶，12月15日至5月15日之间，芬兰湾东经28度45分以东；大于90000载重吨的船舶，任何时间均不得驶入、航运于或停留在芬兰湾东经28度45分以东；1月8日至5月5日之间，波的尼亚湾、芬兰湾及临近水域北纬59度24分以北，挂靠斯德哥尔莫（瑞典首都）、塔林（爱沙尼亚首都）或赫尔辛基（芬兰首都）除外；12月28日至5月5日里加湾及临近水域东经22度以东，北纬59度以南。
区域四：格陵兰岛格陵兰岛领海区域五：北美（东部）西经50度至100度之间，北纬52度10分以北；12月21日至4月30日之间，圣劳伦斯湾、圣劳伦斯河及其支流（Les Escoumins 以东），贝尔岛海峡（贝尔岛以西），卡伯特海峡（雷角及诺斯角一线以西）及Canso 海峡（Canso堤道以北）；12月1日至4月30日之间，圣劳伦斯河及其支流（Les Escoumins以西）；圣劳伦斯水道；大湖区。
区域六：北美（西部）西经100度至170度之间，北纬54度30分以北；夏洛特皇后群岛或阿留申群岛的任何港口或地区。
区域七：南部海域南纬50度以南，以下三点用罗盘确定的三角区域除外：南纬50度西经50度；南纬57度西经67度30分；南纬50度西经160度。
区域八：凯尔盖朗/克罗泽（印度洋南端）凯尔盖朗群岛、克罗泽群岛领海区域九：东亚a、11月1日至6月1日，鄂霍次克海北纬55度以北，东经140度以东；b、11月1日至6月1日，鄂霍次克海北纬53度以北，东经140度以东；c、12月1日至5月1日，东亚水域北纬46度以北，千岛群岛以西，堪察加半岛以西。
华泰财产保险股份有限公司Institute Time Clauses-Hulls Disbursements And Increased Value
华泰财产保险有限公司协会船舶营运费用和增值定期保险条款一、航行1、保险船舶在任何时候按本保险的各项规定承保，允许在有或没有引航员的情况下开航或航行、试航、和协助、拖带遇难船舶，但保证保险船舶不得被他船拖带，除非是习惯性的或需要协助拖至第一安全港口或地点，也不得根据被保险人、船东、船舶管理人和/或租船人事先安排的合同从事拖带或救助服务，但本款不排除与装卸有关的习惯拖带。
2、保险船舶用于在海上将货物从本船装卸到另一条船或从另一条船装卸到本船的商业行为（不包括另一在港内的船或近岸的小船），由于此种装卸作业，包括两船驶近、并排停靠和驶离，造成保险船舶的损失或损害以及对他船的责任，本保险不负责赔偿，除非船舶在从事这种作业前，已事先通知了保险人，并且双方同意了修改的承保条件和增加保险费。
3、如果保险船舶的开航（不论有无载货）旨在（a）拆船或（b）为拆船而出售，那么对保险船舶在如此开航后发生的任何损失或损害，保险人不负责赔偿，除非已事先通知了保险人，并已同意了修改承保条件、保险价值和保险人要求的保险费。
二、延续本保险期满时，如果保险船舶尚在海上，或在避难中，或在避难港，或在中途港，那么只要事先通知保险人，并按月比例支付超期保险费后，本保险继续负责承保至抵达其目的港为止。
三、违反保证当任何有关货物、航线、船位、拖带、救助服务或开航日期的保证被违反时，若被保险人接到消息后迅速通知保险人，并同意修改承保条款和加付所需的保险费，则保险仍然有效。
四、终止本保险的任何条款，不论是手写的、打印的还是印刷的，若与本条相抵触时，均以本条为准。
除非保险人有书面同意相反的规定外，本保险在下列情况下自动终止：1、保险船舶的船级社变更，或者其船级变更、暂停、中止、撤回或期限届满时，但如果船舶尚在海上航行，该自动终止可延迟至船舶抵达下一个港口时。
然而，如果此种船级变更、暂停、中止或撤回是由本保险第6条承保的损失或损害造成的，或者是由根据现行协会船舶战争险和罢工险定期承保条款承保的损失或损害引起的，此种自动终止仅于船舶未经船级社事先同意在下一港口开航时才发生效力。
华泰保险简介
华泰保险简介中国第一家全国性股份制财产保险公司成立于1996年8月29日,总部设于北京,公司注册资本金13.83亿元人民币拥有50多家股东,遍布24个行业,均为实力强、规模大的大型企业和集团偿付能力充足率始终保持在监管部门规定的5倍以上到2009年,公司在全国近60个城市设有分支机构，形成面向全国的经营布局第一家外资参股的中国保险公司华泰为ACE（美国安达保险集团）全球客户的在华机构服务华泰可使用ACE（美国安达保险集团）全球140多个国家的服务网络和各类资源一、公司简介华泰财产保险股份有限公司是中国第一家全国性股份制财产保险公司，1996年8月29日在北京正式开业，公司注册资本金13.83亿元人民币。
公司开展财产损失、责任、意外伤害、健康四大类保险业务，涵盖国计民生诸多领域。
至2009年，公司在全国近60个城市设有分支机构，形成面向全国的经营布局。
二、股东华泰保险有50多家股东，多为实力强、规模大、效益好的大型企业和企业集团，覆盖金融、石油、电力、冶金、煤炭、化工、航空、造船、航运、机械等30个行业。
2002年5月，世界著名保险集团─—美国ACE集团参股并成为华泰最大股东，为华泰带来了先进的经营理念和全球性业务支持网络。
三、集团架构2005年，以华泰财产保险股份有限公司为投资主体的华泰资产管理公司和华泰人寿保险公司开业，标志着华泰在向集团化发展的道路上迈出了坚实的步伐。
经过几年来的发展，华泰资产管理公司和华泰人寿都已成为业内具有较强竞争力的优秀企业。
华泰保险(财产险&意外险)华泰人寿华泰资产管理四、ACE—华泰保险战略合作伙伴●成立于1985年，可追溯至1792年●总部在百慕大●拥有16000多名员工●总资产超过730亿美金●标准普尔和A.M. Best均给予A+评级●全球理赔服务网络五、经营业绩华泰保险自1996年成立以来，公司累计实现原保险保费收入146.17亿元，年均保费增长率达27.23%；累计实现投资收益39.98亿元，年均收益率达12.41%；累计实现净利润34.72亿元。
股东 华泰财产保险有限公司
华泰财产保险有限公司
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华泰财产保险股份有限公司华泰财产保险股份有限公司华...
被保险人因遭受意外伤害事故，并自事故发生之日起一百八十日内造成所附“三度烧烫 伤与给付比例表”所列残疾程度之一者，保险人按表中所列给付比例乘以保险单中列明的保 险金额给付烧烫伤保险金。如治疗仍未结束的，按事故发生之日起第一百八十日的身体情况 进行伤残鉴定，并据此给付烧烫伤保险金。
雹灾、冰凌、泥石流、崖崩、突发性滑坡、地面突然下陷等自然灾害； 5) 第三者不服从旅游区或被保险人的管理规定； 6) 被保险人的旅游服务质量未达到事先双方合同或约定规定的标准； 7) 既不提供全陪或领队，也不提供地精神损害赔偿。 10) 旅游者洗牙、洁齿、验光、心理治疗、装配假牙、假眼、假肢或者助听器等； 11) 第三者患先天性疾病（包括先天性畸形）、遗传性疾病、性传播疾病、法定传染病
华泰财产保险股份有限公司 境内旅行人身意外伤害保险条款批单
兹经双方理解并同意，华泰财产保险股份有限公司《境内旅行人身意外伤害保险》条款及附 加条款依本批单的规定作以下扩展：
一、 磨房“安途”团体保障计划中领队的概念包括领队、协作、向导、指导、教练等指 定身份人员。
二、 磨房“安途”团体保障计划在境内旅行期间，扩展以下风险运动：潜水、滑雪、滑 水、热气球、蹦极、冲浪、风筝冲浪、攀岩、速降、自行车、徒步、野外穿越、野外定 向、登山（仅限海拔高度 5000 米以下）、溯溪、骑马、皮划艇、帆船、野战、拓展训练 活动，均在保险范畴之内。
1. 保险责任：因意外事故造成第三者人身损害，应由被保险人（指领队）承担的经济赔偿 责任，包括事先经保险人书面同意而支付的诉讼费用以及其他实际支出的费用，保险人 在相应的保险金额限额内负赔偿责任。其中意外医药费用最高赔偿为保险金额的 20%， 疾病医药费用（含中暑及高原反应）最高赔偿为保险金额的 1%。
CL290 Time Hulls Disbursements and Increased Value 011083-协会定期船舶营运费用和增值保险条款
INSTITUTE TIME CLAUSES - HULLSDISBURSEMENTS AND INCREASED VALUE(Total Loss only, including Excess Liabilities)This insurance is subject to English law and practice1.NAVIGATION1.1The subject-matter insured is covered subject to the provisions of this insurance at all times andthe vessel has leave to sail or navigate with or without pilots, to go on trial trips and to assist andtow vessels or craft in distress, but it is warranted that the vessel shall not be towed, except as iscustomary or to the first safe port or place when in need of assistance, or undertake towage orsalvage services under a contract previously arranged by the Assured and/or Owners and/orManagers and/or Charterers. This Clause 1.1 shall not exclude customary towage in connectionwith loading and discharging.1.2In the event of the vessel being employed in trading operations which entail cargo loading ordischarging at sea from or into another vessel (not being a harbour or inshore craft) no claim shallbe recoverable under this insurance in respect of loss of or damage to the subject-matter insuredor for liability to any other vessel arising from such loading or discharging operations, includingwhilst approaching, lying alongside and leaving, unless previous notice that the vessel is to beemployed in such operations has been given to the Underwriters and any amended terms of coverand any additional premium required by them have been agreed.1.3In the event of the vessel sailing (with or without cargo) with an intention of being (a) broken up,or (b) sold for breaking up, no claim shall be recoverable under this insurance in respect of loss ordamage to the vessel occurring subsequent to such sailing unless previous notice has been given tothe Underwriters and any amendments to the terms of cover, amount insured and premiumrequired by them have been agreed.2.CONTINUATIONShould the vessel at the expiration of this insurance be at sea or in distress or at a port of refuge or of call, the subject-matter insured shall, provided previous notice be given to the Underwriters, be held covered at a pro rata monthly premium to her port of destination.3.BREACH OF WARRANTYHeld covered in case of any breach of warranty as to cargo, locality, trade, towage, salvage services or date of sailing, provided notice be given to the Underwriters immediately after receipt of advices and anyamended terms of cover and any additional premium required by them be agreed.4.TERMINATIONThis Clause 4 shall prevail notwithstanding any provision whether written typed or printed in this insurance inconsistent therewith.Unless the Underwriters agree to the contrary in writing, this insurance shall terminate automatically at the time of4.1change of the Classification Society of the vessel, or change, suspension, discontinuance, withdrawalor expiry of her Class therein, provided that if the vessel is at sea such automatic termination shall bedeferred until arrival at her next port. However where such change, suspension, discontinuance orwithdrawal of her Class has resulted from loss or damage which would be covered by an insurance ofthe vessel subject to current Institute Time Clauses Hulls or。
华泰财险条款：高新技术关键研发设备物质损失险条款
华泰财产保险股份有限公司高新技术关键研发设备物质损失险条款总则第一条 本保险合同由保险条款、投保单、保险单或其他保险凭证以及批单组成。
凡涉及本保险合同的约定，均应采用书面形式。
第一条被保险人范围第二条 本保险的被保险人是指经过国家主管部门认定的从事高新技术研发、生产的企业或机构。
第二条保险标的范围第三条 保险标的是本保险合同中载明的下列安装验收完毕并投入使用的关键研发机器设备及配套设施，包括各类机器、工厂设备、机械第三条装置及附属设备等：（一）属于被保险人所有或与他人共有而由被保险人负责的机器设备；（二）由被保险人经营、管理或替他人保管的机器设备；（三）其他与被保险人具有法律上承认的有经济利害关系的机器设备。
保险责任保险责任第四条 在保险期限内，在保险合同列明的保险标的坐落地址范围内，由于下列原因造成保险标的的直接物质损失，保险人按照本保险合第四条同的规定负责赔偿：（一）火灾、爆炸；（二）雷击、暴雨、洪水、台风、暴风、龙卷风、雪灾、雹灾、冰凌、泥石流、崖崩、突发性滑坡、地面突然塌陷；（三）飞行物体及其他空中运行物体坠落。
第五条第五条 在保险期限内，在保险合同列明的保险标的坐落地址范围内，由于下列原因引起突然的、不可预料的意外事故造成保险标的的直接物质损失，保险人按照本保险合同的约定负责赔偿：(一) 设计、制造或安装错误、铸造和原材料缺陷；(二) 工人、技术人员操作错误、缺乏经验、技术不善、疏忽、过失行为；(三) 离心力引起的断裂；(四) 超电压、碰线、电弧、漏电、短路、大气放电、感应电及其他电气原因。
第六条 保险标的的下列直接物质损失，保险人按本保险合同的约定负责赔偿：第六条（一）被保险人拥有财产所有权的自用的供电、供水、供气设备因第三条所列原因遭受损坏，引起停电、停水、停气以致造成保险标的的直接物质损失；（二）在发生保险事故时，为抢救保险标的或防止灾害蔓延，采取必要的、合理的措施而造成保险标的的直接物质损失。
华泰财险条款：境外留学人身意外伤害保险条款
投保人、被保险人义务
第十五条 除另有约定外，投保人应当在保险合同成立时交清保险费。
第十六条 订立保险合同，保险人就保险标的或者被保险人的有关情况提出询问的，投保人应当如实告知。 投保人故意或者因重大过失未履行前款规定的义务，足以影响保险人决定是否同意承保或者提高保险费率的，保险人有权解除本 合同。 前款规定的合同解除权，自保险人知道有解除事由之日起，超过三十日不行使而消灭。自合同成立之日起超过二年的，保险人不得解除合 同；发生保险事故的，保险人应当承担给付保险金责任。 投保人故意不履行如实告知义务的，保险人对于合同解除前发生的保险事故，不承担给付保险金责任，并不退还保险费。 投保人因重大过失未履行如实告知义务，对保险事故的发生有严重影响的，保险人对于合同解除前发生的保险事故，不承担给付 保险金责任，但应当退还保险费。 保险人在合同订立时已经知道投保人未如实告知的情况的，保险人不得解除合同；发生保险事故的，保险人应当承担给付保险金责任。
4、 安排住院许可 若被保险人病情严重至需要入院治疗，救援机构可协助办理入院手续，但不负担因之产生的任何费用。
5、 住院期间及其后的健康状况的监控 在符合有关保密和相关授权义务的条件下，救援机构负责在被保险人住院期间及返回中国境内前对被保险人的健康状况进行监控。 （二）旅行服务 1、 接种及签证相关信息 提供关于各国的签证、疫苗接种要求的信息。
(十三) 被保险人从事跳伞、滑翔、探险活动（见第10条释义）、武术比赛（见第11条释义）、摔跤比赛、特技（见第12条释 义）表演、赛马、马术表演、赛车、拳击等高风险运动或活动；
华泰财产保险股份有限公司
华泰财产保险股份有限公司境外旅行人身意外伤害保险附加医疗运送和送返保险条款第一条附加保险条款订立本附加保险条款（以下简称“本附加条款”）须附加于保险人境外旅行人身意外伤害保险合同（以下简称“主合同”）。
第二条保险责任在本附加条款保险责任有效期间，被保险人持有有效证件在境外旅行期间在主合同保险单或保险凭证中列明的旅游线路内，遭受意外事故导致严重受伤或罹患突发性重病时，经保险人委托的救援机构或其授权代表（以下简称“救援机构”）确认被保险人需要以下救援服务时，向被保险人提供以下救援服务，并由保险人在本附加条款相应的保险金额限额及范围内承担费用：（一）紧急医疗运送1、将被保险人运送到距保险事故发生地最近且具备适当医疗护理条件的所在地医院；2、救援机构授权医生认为保险事故发生地医院的医疗条件不能保证被保险人得到及时充分的医疗救助时，被保险人将被转运到其他医疗条件合适的所在地医院或者邻近国家的医院。
该次医疗运送责任终止。
3、在运送过程中，因病情需要，救援机构将派遣医护人员护送被保险人。
4、对被保险人的紧急医疗运送手段，以在保险事故发生地能够提供的最合适的手段为限。
若以空运为转运方式，一般使用正常航班。
若救援机构授权医生认为必要并经保险人认可，可以包机或者使用医疗救护专用机运送被保险人。
（二）紧急医疗送返1、救援机构授权医生认为被保险人的伤势或病情已稳定，救援机构将安排被保险人乘坐正常航班返回中华人民共和国境内（以下简称“中国境内”）。
如救援机构授权医生认为必要，可以在转运被保险人回中国境内过程中提供医疗护送。
2、救援机构授权医生认为被保险人伤势或病情允许，救援机构将根据被保险人的指定安排其回中国境内的国际机场。
若未指定或者不能指定有关地点，被保险人将被送至离其中国境内日常居住地最近的国际机场。
如救援机构授权医生认为被保险人在抵达中国境内时需入院治疗，被保险人将被送到上述国际机场所在地被保险人指定的任意一家医院。
船舶安全管理体系实施情况违反ISM规则构成船舶不适航
船舶安全管理体系实施情况违反ISM规则构成船舶不适航作者：杨婵来源：《航海》2024年第01期〖提要〗被保险船舶的实际管理情况与安全管理体系不符，违反了ISM规则，在船舶安全管理体系实施方面构成船舶不适航。
当此种不适航与船舶全损具有直接的因果关系时，保险人依法不负赔偿责任。
〖案情〗原告：世嘉有限公司（GLOBAL EMINENCE LIMITED）（以下简称世嘉公司）被告一：中国大地财产保险股份有限公司（以下简称大地财保）被告二：中国大地财产保险股份有限公司航运保险运营中心（以下简称大地财保航保中心）2017年2月1日10：00左右（当地时间），“SAGAN”轮空载状态自中国台湾地区高雄港出发驶往韩国昂山（Onsan）港，随船携带一组4个活塞环备件。
开航后约31 h即2月2日17：00开始，至2月6日8：50期间，主机扫气箱至少7次起火，此后主机彻底无法启动、船舶失去动力开始漂航。
船长于2月5日询问世嘉公司指示，世嘉公司要求继续航程。
“SAGAN”轮在2月6日8：31向世嘉公司报告“主机无法启动”，同日11：46报告主机的6组气缸中仅有1组气缸的活塞环状况良好。
世嘉公司在2月8日下午联系韩国拖船，当日21：51时得知5 000 hp的拖船因4 m高的涌浪被迫返港，预计2月11日上午天气好转才能出航。
2月9日23：42，“SAGAN”轮向世嘉公司报告“SAGAN”轮正在向日本岛屿漂航，要求迅速派遣拖船，并告知如果拖船有延迟，船舶可能搁浅。
2月10日，世嘉公司联系了日本的5 000 hp拖船，同日18：02得知该拖船预计到2月13日出发对“SAGAN”轮执行拖航。
最终，漂航约5天的“SAGAN”轮于当地时间2月11日6：00（北京时间为5：00）左右在日本诹访之濑岛西南岸搁浅。
6：35，日本海上保安厅收到“SAGAN”轮发出的求救信号。
17：54，世嘉公司向大地财保航保中心报告出险。
2017年2月11日，世嘉公司与日本救助株式会社（THE NIPPON SALVAGE CO.，LTD，以下簡称日本救助）签订服务性质为“清除燃油”的《国际残骸移除及海事服务契约（按日计酬）2010》【WRECKHIRE 2010 INTERNATIONAL WRECK REMOVAL AND MARINESERVICES AGREEMENT（DAILY HIRE）】。
华泰财产保险有限公司四川省分公司、王黎机动车交通事故责任纠纷二审民事判决书
华泰财产保险有限公司四川省分公司、王黎机动车交通事故责任纠纷二审民事判决书【案由】民事侵权责任纠纷侵权责任纠纷机动车交通事故责任纠纷【审理法院】湖北省襄阳市中级人民法院（原湖北省襄樊市中级人民法院）【审理法院】湖北省襄阳市中级人民法院（原湖北省襄樊市中级人民法院）【审结日期】2020.01.14【案件字号】(2019)鄂06民终4365号【审理程序】二审【审理法官】王定强柴勇杜丹丹【审理法官】王定强柴勇杜丹丹【文书类型】判决书【当事人】华泰财产保险有限公司四川省分公司;王黎;某某【当事人】华泰财产保险有限公司四川省分公司王黎某某【当事人-个人】王黎某某【当事人-公司】华泰财产保险有限公司四川省分公司【代理律师/律所】双宇湖北卧龙律师事务所【代理律师/律所】双宇湖北卧龙律师事务所【代理律师】双宇【代理律所】湖北卧龙律师事务所【法院级别】中级人民法院【终审结果】二审维持原判二审改判【字号名称】民终字【原告】华泰财产保险有限公司四川省分公司【被告】王黎【本院观点】作为专门从事机动车交强险的保险人，在受害第三者依法请求对其承担该险种强制赔偿责任时，应当及时履行，使该受害人能够及时得到法定的赔偿之权利，促进社会和谐。
【权责关键词】合同过错无过错鉴定意见证明诉讼请求维持原判【指导案例标记】0【指导案例排序】0【本院查明】经二审审理查明，一审法院认定的事实属实，本院予以确认。
【本院认为】本院认为，作为专门从事机动车交强险的保险人，在受害第三者依法请求对其承担该险种强制赔偿责任时，应当及时履行，使该受害人能够及时得到法定的赔偿之权利，促进社会和谐。
本案中的华泰财保四川公司承保川Ｋ×××某某号轿车追尾致第三者王黎受伤负全责，王黎即依法享有向该机动车的保险人在交强险责任限额范围内对其承担赔偿之法定的权利，至于该保险人认为其他前车承担交强险无责的赔偿限额之理由，并不能阻止该保险人对本案中的受害人王黎的强制赔偿之义务，若该保险人认为其它车需承担交强险无责的赔偿限额，亦得对王黎赔偿后，自行行使追偿权，故其上诉请求之理由不能成立，本院不予支持。
中国保险监督管理委员会关于华泰财产保险股份有限公司修改章程的批复
中国保险监督管理委员会关于华泰财产保险股份有限
公司修改章程的批复
文章属性
•【制定机关】中国保险监督管理委员会(已撤销)
•【公布日期】2006.06.15
•【文号】保监发改[2006]620号
•【施行日期】2006.06.15
•【效力等级】部门规范性文件
•【时效性】现行有效
•【主题分类】保险
正文
中国保险监督管理委员会关于华泰财产保险股份有限公司修
改章程的批复
（保监发改〔2006〕620号）
华泰财产保险股份有限公司：
你公司《关于对公司章程进行相应修改的请示》（华保字〔2006〕66号）收悉。
经审核，现批复如下：
一、批准你公司对章程所附股东名册进行的修改，详见附件。
二、请你公司尽快按照《公司法》和《关于规范保险公司治理结构的指导意见（试行）》的要求，对章程进行相应修改，并报中国保监会批准。
请你公司按照有关规定办理变更事宜。
二○○六年六月十五日。
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华泰财产保险有限公司协会船舶全损、共同海损及四分之三碰撞责任条款一、航行1、保险船舶在任何时候按本保险的各项规定承保，允许在有或没有引航员的情况下开航或航行、试航、和协助、拖带遇难船舶，但保证保险船舶不得被他船拖带，除非是习惯性的或需要协助被拖至第一安全港口或地点，也不得根据被保险人、船东、船舶管理人和/或租船人事先安排的合同从事拖带或救助服务，但本款不排除与装卸有关的习惯拖带。
2、保险船舶用于在海上将货物从本船装卸到另一条船或从另一条船装卸到本船的商业行为（不包括另一船为在港口或近岸的小船），由于此种装卸作业，包括两船驶近、并排停靠和驶离，造成保险船舶的损失或损害以及对他船的责任，本保险不负责赔偿，除非船舶在从事这种作业前，已事先通知了保险人，并且双方同意了修改的承保条件和增加保险费。
3、如果保险船舶的开航（不论有无载货）旨在（a）拆船或（b）为拆船而出售，那么对保险船舶在如此开航后发生损失或损害的任何赔偿，应限于船舶发生损失或损坏时报废船舶的市场价值，除非已事先通知了保险人，并已同意了修改承保条件、保险价值和保险人要求的保险费。
本款不影响根据第8条或第11条的索赔。
二、延续本保险期满时，如果保险船舶尚在海上，或在避难中，或在避难港，或在中途港，那么只要事先通知保险人，并按月比例支付超期保险费后，本保险继续负责承保至抵达其目的港为止。
三、违反保证当任何有关货物、航线、船位、拖带、救助服务或开航日期的保证被违反时，若被保险人接到消息后迅速通知保险人，并同意修改承保条款和加付所需的保险费，则保险仍然有效。
四、终止本保险的任何条款，不论是手写的、打印的还是印刷的，若与本条相抵触时，均以本条为准。
除非保险人书面同意作相反的同意，本保险在下列情况下自动终止：1、保险船舶的船级社变更，或者其船级变更、暂停、中止、撤回或期限届满，但如果船舶尚在海上航行，该自动终止可延迟至船舶抵达下一个港口时。
然而，如果此种船级变更、暂停、中止或撤回是由本保险第6条承保的损失或损害造成的，或者是由根据现行协会船舶战争险和罢工险定期承保条款承保的损失或损害引起的，此种自动终止仅于船舶未经船级社事先同意在下一港口开航时才发生效力。
2、无论自愿与否，保险船舶变更船舶所有权或船旗、转让给新的管理人、光船出租或被征购、征用时，但如果船上载有货物并已从装货港开航，或在海上空载航行时，经要求，此种船舶自动终止应延迟，直至船舶继续其计划航行，载货船到达最后卸货港时为止，空载船舶到达目的港时为止。
但是，如果征购、征用没有事先与被保险人签订书面协议，那么不论船舶是在海上还是在港内，保险责任的终止将在船舶被征购或征用后15天开始生效。
保险费的净收入按日比例退回。
五、转让对本保险下的利益的转让，或以金钱支付的利益的转让，保险人概不承认，也不受这种转让的约束。
但如果被保险人在发生任何索赔或退还保险费之前就在这种转让通告书上注明了日期并签署，以及以后转让人在保险单上背书这种转让，则保险人给予赔偿。
六、危险1、本保险承保由于下列原因所造成的保险标的的灭失或损坏：（1）海上、江河、湖泊或其他可航水域的灾害；（2）火灾、爆炸；（3）来自保险船舶外的人员的暴力盗窃；（4）抛弃；（5）海盗；（6）核装置或核反应堆发生的故障或意外事故；（7）与航空器或类似装置及从其上坠落的物体，和与陆上传送设备、码头、港口设备或装置的触碰；（8）地震、火山爆发或闪电。
2、本保险承保由于下列原因所造成的保险标的的灭失或损坏：（1）装卸、移动货物或燃料过程中发生的意外事故；（2）锅炉破裂、尾轴断裂或机器、船体的任何潜在缺陷；（3）船长、高级船员、船员或引航员的疏忽；（4）被保险人以外的修船人员或承租人的疏忽行为；（5）船长、高级船员、船员的不法行为。
如果此种灭失或损坏并非由于被保险人、船东或管理人缺乏谨慎处理所致。
3、船长、高级船员、船员或引航员对保险船舶拥用股权的，不被视为本条（第6条）意义上的船东。
七、污染危险本保险承保由于任何政府当局依其权力为防止或减轻因本保险承保的风险直接引起的污染危险或其威胁而造成的船舶全损（实际或推定全损），如果政府当局的这种行动不是由于保险船舶的被保险人、船东或管理人或其中任何人在防止或减少此种污染或威胁方面缺乏谨慎处理所致。
船长、高级船员、船员或引航员对保险船舶拥有股权的，不被视为在本条（第7条）意义上的船东八、四分之三碰撞责任1、保险人同意赔偿被保险人对下列各项的损害赔偿的法律责任而支付给第三者的金额的四分之三：（1）任何其他船舶或船上财产的灭失或损坏；（2）任何其他船舶或其船上财产的延迟或丧失使用；（3）任何其他船舶或其船上财产的共同海损、救助报酬或根据合同的救助报酬，如果被保险人的此种支付是保险船舶与其他船舶碰撞的结果。
2、本条所规定的赔偿，是本保险其他条款和条件所规定的赔偿的增加部分，且必须遵照下列规定：（1）如果保险船舶与另一船舶碰撞，且双方互有过失，那么除非一方或两船的责任受到法律的限制，根据本条的赔偿应按交叉责任制的原则计算，如同各船东不得不相互赔付，像在确定由于碰撞应由被保险人未能支付或应支付给被保险人的余额或金额时那样，可能适当承认彼此的损害赔偿的比例部分；（2）在任何情况下，保险人根据本条第1款和第2款，对每次碰撞事故总责任，不得超过保险船舶保险价值的四分之三。
3、保险人还负责赔偿经其书面同意后，被保险人为抗辩责任或提起限制责任程序而产生的或可能不得不支付的法律费用的四分之三。
但是在任何情况下，本条不延伸到被保险人对下列各项应支付的费用或与此有关的费用：1、障碍物、残骸、货物或任何其他物体的清除或处置；2、任何不动产或个人财产或任何其他物件，但其他船舶或其上的财产除外；3、保险船舶上的货物或其他财物，或保险船舶的责任；4、人身伤亡或疾病；5、任何不动产或个人财产或任何其他物件（与保险船舶碰撞的其他船舶或其所载财产除外）的污染或沾污。
九、姐妹船如果保险船舶与全部或部分属于同一所有人所有，或与在同一机构管理下的另一船舶发生碰撞，或接受该船舶的救助服务，则被保险人所享有的权利，与另一艘完全属于第三者时被保险人按本保险所享有的权利相同；但在此种情况下，有关碰撞责任及救助费用数额的确定，应呈交给由保险人和被保险人双方同意的一个独任仲裁员进行仲裁。
十、索赔通知在发生意外事故所造成的灭失或损坏可能导致保险赔偿时，被保险人应在船舶检验之前通知保险人，如果船舶在国外，则应通知最近地区的劳合社代理人，以便保险人在认为需要时委派检验人代表保险人进行检验。
十一、共同海损和救助1、在扣减任何不足额保险后，本保险承保保险船舶按比例分摊的救助、救助费用和/或共同海损。
2、本保险不承保船舶的部分损失或损害，但依前第11.1条可求偿的共同海损损失或损害的部分除外。
3、若运输合同无特别约定，共同海损理算应依据航程终止地法律与实务；但若运输合同有规定时，理算应根据约克安特卫普规则。
4、当保险船舶空载航行且未出租，共同海损的理算应适用1974年的《约克-安特卫普规则》（第20条和第21条除外），该航程应自起运港或起运地至保险船舶抵达其后的除避难港口或地点或仅为加油的挂靠港口或地点外的第一个港口或地点为止。
若在上述任何一个中途港口或地点放弃原定航程时，该航程即视作在该处终止。
5、对于任何根据本条的索赔，如果损失不是为避免承保危险而发生的或不是与避免承保危险有关的，保险人概不负责。
十二、免赔额1、在每一次单独事故或事件中，承保危险造成的损失索赔，其累计金额（包括根据第8条、第11条和第13条项下的索赔）不超过______时，保险人不予赔偿，在超过上述金额的情况下，该金额须从赔偿总额中扣除。
本款对保险船舶的全损或推定全损赔偿不适用，也不适用于根据第13条与同一事故产生的此种全损或推定全损赔偿相关的赔偿。
2、除了从第三方所得到的赔偿所包含的利息因素外，对于就适用上述免赔额的保险索赔从第三方得到的赔偿，应全部给予保险人，但以未因从第三方得到的赔偿而减少的保险索赔的累计总额超过上述免赔的金额为限。
3、从第三方所得到的赔偿所包含的利息，应考虑保险人已付保险赔偿的金额赔偿的日期，在被保险人和保险人之间比例分享，尽管加上利息后，保险人可能获得超过其支付的保险赔偿的金额。
十三、被保险人的义务（施救费用）1、当发生损失或不幸时，被保险人及其雇佣人员和代理人有义务采取一切合理的措施，避免或减轻应由本保险负责赔偿的损失。
2、除以下规定和第12条的规定外，保险人将赔偿由被保险人、其雇佣人员及代理人由于采取此种措施而适当地、合理地、产生的费用。
共同海损、救助费用（除本条第5款中规定者外）和碰撞抗辩或诉讼费用，不能根据本条得到赔偿。
3、被保险人或保险人为施救、保护或恢复保险标的而采取的措施，不应视作放弃或接受委付、或者有损于任何一方的权益。
4、对根据本条的规定所发生的费用，本保险的赔偿责任，不超过此种费用占保险金额同本保险中约定的保险船舶的价值的比例部分，如果发生事故而引起费用时的船舶完好价值超过约定的保险价值，则不超过此种费用占保险金额同这一完好价值的比例部分。
如果保险人已经承认全损索赔，而本保险的保险财产获救时，上述规定不应适用，除非施救费用超过此种获救财产的价值，此时上述规定仅适用于超过获救价值的施救费用。
5、当根据本保险承认保险船舶的全损索赔，为拯救或企图拯救保险船舶和其他财产已合理产生的费用且无残值，或费用超过残值时，本保险应按比例负责赔偿该费用或超过残值的费用中按具体情况确定的为保险船舶合理产生的那部分费用；但是如果保险船舶按低于其引起此种费用的事故发生时的完好价值投保，根据本条可获得赔偿的数额，应按其不足额保险部分的比例进行赔偿。
6、根据本条（第13条）应赔偿的金额，应加在本保险所负责赔偿的其他损失上，但在任何情况下不得超过保险船舶的保险金额。
十四、以新换旧应付的赔偿不作以新换旧的扣减。
十五、代理佣金在任何情况下，本保险不负责赔偿被保险人为索取和提供资料和文件所花费的时间和劳务，以及被保险人委派或以其名义行事的管理人、代理人、管理或代理公司或诸如此类的公司为进行此种服务而收取的佣金或费用。
十六、推定全损1、在确定保险船舶是否构成推定全损时，船舶的保险价值应作为船舶修理后的价值，不应考虑保险船舶的受损或解体价值或残骸。
2、基于保险船舶的恢复和/或修理费用的推定全损索赔不应得到赔偿，除非此笔费用会超过保险价值。
在作此项决定时，应仅考虑与单一次事故或由于同一事故引起后续损害赔偿有关的费用。
十七、运费放弃发生全损或推定全损时，不论是否收到委付通知，保险人都不对运费提出请求。
十八、船舶营运费用保证1、允许下列各项附加保险：（1）营运费用、经理人的佣金、利润或船壳和机器的超值或增值；其金额不得超过船舶价值的25%；（2）以定期投保的运费、租金或预期运费：其金额不得超过船舶价值的25%扣除在上述本款（1）项内已投保的保险金额；（3）航次合同下的运费或租金：其金额不得超过本次及下次载货航程的毛运费或租金（经要求本保险可以包括一个预备航次和一个中间空载航次在内）再加上保险费。