资产增加条款.docx

Capital Additions and New Location Clause (CU)The insurance afforded by this Policy hereby extends to cover:a) The Property and Stock at any new location acquired by the insured or of any newly acquired associated or subsidiary companies, or joint ventures.b) Alterations, additions, deletions or improvements to the Property Insured including Stock.For an amount not exceeding 10% of each item (subject to maximum of $40,000,000) it being understood that the Insured will advised the Insurers within 30 days of:i) Full details of new location or any newly acquired associated or subsidiary company or joint venture.ii) Full details of any alteration, addition or improvement to the Property Insured including Stock.and will pay the appropriate additional premium thereon.For any amount in excess of $40,000,000 it is understood that the Insured will immediately advise the Insurers and will pay the appropriate additional premium thereon.Capital Additions ClauseThe policy shall extend to include alterations, additions and improvements to the property insured (excluding stock in trade and/or merchandise) to an amount not exceeding 10% of the sum insured under that item. However, the insured shall advise the company of such alterations, additions and improvements as soon as practicable after such alterations, additions and improvements are made any pay the appropriate extra premium.Capital Additions Clause(CICL A21, HKCI F05, UIS CL.11)The insurance under this Policy extends to include additions and extensions to property insured, but not appreciation in value, made after the commencement of each annual Period of insurance for an amount not exceeding in any event the relative item, it being understood that the Insured will declared half-yearly the value of any such additions and extensions and will pay the appropriate additional premium required from inception of the additional cover.Amounts so declared shall be added to the sum insured by the relative item by endorsement whereupon the provisions of this clause shall be fully reinstated.NB: UIS replace in any event with ten per cent of the Sum Insured on similar property under in the first paragraph.HKCI insert item(s) covering building and contents other than stock in trade or merchandise of after The insurance under; replace “in any event the relative item” with “ten percent (10%) of the sum Insured on similar property, and replace half-yearly with quarterly, in the first paragraph.Capital Additions Clause(CICL S7, FT A.21)The insurance under (items) of this Policy extends to include alterations, additions and improvements to property specified in the schedule, but not appreciation in value in excess of the sum insured, made after the commencement of each annual Period of Insurance for an amount not exceeding in the aggregate ten per cent of the relative item or whichever is the less. It being understood that the Insured undertakes to advised the company each half year the value of any such alterations, additions and improvements and to pay the appropriate additional premium required from inception of the additional cover.Amounts so declared shall be added to the sum insured by the relative item by endorsement whereupon the provision of this clause shall be fully reinstated.NB: The monetary amount inserted may be less than ten per cent of the relative sum insured if so desired.Capital Additions Clause(GA)The insurance by Section A of this policy extends to include additions and extensions to property insured but not appreciation in value, made after the commencement of each annual period of insurance for an amount not exceeding ten percent of the sum insured on similar property or hk$100,000 whichever is the less under the relative item of , it being understood that the insured will declare quarterly the value of any such additions and extensions and will pay the appropriate additional premium required from inception of the additional cover.Amounts so declared shall be added to the sum insured by the relative item by endorsement whereupon the provisions of this clause shall be fully reinstated.Capital Additions Clause (GA)The insurance of this policy extends to include additions and extensions to property insured (excluding stock-in-trade), but not appreciation in value, made after the commencement of each annual period of insurance for an amount not exceeding 10% of the sum insured on similar property under the relative item (or hk$100,000 whichever is the less), it being understood that the insured will declare quarterly the value of any such additions and extensions and will pay the appropriate additional premium required from inception of the additional cover.Amounts so declared shall be added to the sum insured by the relative item by endorsement whereupon the provisions of this clause shall be fully reinstated.Capital Additions Clause (INA)The insurance by Section A of this policy extends to include additions and extensions to property insured but not appreciation in value, made after the commencement of each annual period of insurance for an amount not exceeding $10,000,000 on similar property, it being understood that the Insured will declare quarterly the value of any such additions and extensions and will pay the appropriate additional premium required from inception of the additional cover.Amounts so declared shall be added to the sum insured by the relative item by endorsement whereupon the provisions of this clause shall be fully reinstated.NB: The monetary amount inserted may be less than ten per cent of the relative sum insured if so desiredCapital Additions Clause(LGI F053)The insurance by this Policy extends to cover alterations, additions and improvements (but not appreciation in value in excess of the sums insured) to property specified in the Schedule attached hereto for an amount not exceeding in the aggregate ten percent of the Sum Insured. It being understood that the Insured undertakes to advised the Company each quarter of any such alterations, additions and improvements and to pay the appropriate additional premium thereon.Capital Additions Clause (PICC PAR13)It is agreed and understood that this Policy shall be extended to cover additions and extensions to property insured in the Peoples Republic of China, but not appreciationin value, made after the commencement of this Policy for an amount not exceeding (.)% of the sum insured on similar property under the relative item, it being understood that the Insured shall declared quarterly the value of any such additions and extension.资产增加条款 兹经双方同意，本保险扩展承保本保险生效后被保险人在中华人民共和国境内所增加的财产，但不包括财产的自动升值，增加资产的金额以不超过相关项下类似财产保额的（）为限。被保险人须每个季度申报增加资产的价值。本保险单所载其它条件不变。2. 接下来探讨一下这个条款的特点：第一、该条款基于“定期申报制度的条款”，虽然这个申报的时间点很模糊，每季度申报，究竟是在每季度初时申报该季度即将增加的资产，还是应该在每季度末的时候申报该季度已经增加的资产呢？不详，暂且放下第二、资产增加不等于财产的自动升值，也就是说必须有物质层面的实实在在的新资产增加，而不包括因为通货膨胀造成的价格虚增.第三、这个条款有限额，增加资产的金额以不超过相关项下类似财产保额的（）为限，这一点稍后详谈 （业界通常设定的限额是10%）第四、这个条款不需要加收保费。然后下来探讨一下它对是否保单是否足额的影响，继续以例子说话：；3. 先关注无法明确的进行物理区分的投保财产，如谷物、水泥等，假设一个公司按照上年末账面原值投保财产一切险，保险金额10万，资产增加条款限额10%，实际上一季度增加资产1万，二季度增加资产1万，6月底账面原值12万，且6月中旬发生一场大火致被保险财产全损：3.1 第一种情况，若每季度初应当预先申报即将增加的资产（这是一个事前申报的概念，说明保险公司认为新增加的资产可能影响风险状况，需要提前了解相关变动），那么有两种可能：3.1.1 被保险人忘记申报，那么被保险人违背了保单约定，保险公司认定保险金额为10万，而出险时总价值为12万，按照比例赔付10/12，即赔付10万结案3.1.2 被保险人每季度都申报，那么需要考虑该条款的限额10%，也就是说一季度增加的1万将会被认定为保险金额的一部分，而二季度增加的1万要看保险人是否同意扩展承保且收到了额外保费，若同意，则也属于保险金额的一部分，保险公司应赔偿12万结案，若不同意，则保险公司可以仅赔偿11万结案。3.2 第二种情况，若每季度末的时候申报该季度已经增加的资产，（这是一个事后申报的概念，说明保险公司认为新增加的同类资产对风险状况没有影响，只要事后备案就可以了），这