| 1. | A comparative study of policyholder ' s duty of notice of loss
保险事故发生后投保方通知义务比较研究 |
| 2. | The insured may ask the insurer to issue a separate policy for any one risk declared
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。 |
| 3. | If the insured fails to do so , the insurer shall not be held liable for any loss arising from an insured event resulting therefrom
投保方如不履行此项义务，由此引起保险事故造成的损失，保险方不负赔偿责任。 |
| 4. | If the policy holder conceals the actual circumstances of the insured property , the insurer shall have the right to rescind the contract or shall not be liable for making indemnity
投保方如隐瞒被保险财产的真实情况，保险方有权解除合同或不负赔偿责任。 |
| 5. | The insurer may conduct safety inspections of the insured property , and , if it discovers unsafe aspects , it shall promptly notify the policy holder to eliminate them
保险方可以对被保险财产的安全情况进行检查，如发生不安全因素，应及时通知投保方加以消除。 |
| 6. | 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
保险方如果终止合同，对终止合同前投保方欠交的保险费及利息，仍有权要求投保方如数交足。 |
| 7. | 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
保险方在赔偿保险财产的损失时，应当将损余物资的价值和投保方从第三者取得的赔偿，在保险赔偿金额中扣除。 |
| 8. | 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
第十三条投保方应当遵守国家有关部门制订的关于消防、安全、生产操作和劳动保护等有关规定，维护劳动者和保险财产的安全。 |
| 9. | 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
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。 |
| 10. | 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
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。 |
