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

    第十二条  投保方应当按照约定的期限，交付保险费，如不按期交付保险费，保险方可以分别情况要求其交付保险费及利息或者终止保险合同。

Article 12. The Insured shall pay the insurance premium within the specified time. If he fails to do so, the Insurer may, depending on specific circumstances either require the Insured to pay the premium due with interest or terminate the contract of insurance.

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。

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.

    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。

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.

    保险方可以对被保险财产的安全情况进行检查，如发现不安全因素，应及时向投保方提出消除不安全因素的合理建议，投保方应及时采取措施消除。否则，由此引起保险事故造成的损失，由投保方自己负责，保险方不负赔偿责任。

The Insurer shall be entitled to make inspections as to the security condition of the insured property, and shall, in case of any potential unsafe factors being discovered, make reasonable recommendation to the Insured in good time for the removal thereof and the Insured shall take measures to eliminate them without delay, failing which he shall be liable for any less arising from an insured event caused thereby, and the Insurer shall exenterate himself from liability.

    第十四条  保险标的如果变更用途或者增加危险程度，投保方应当及时通知保险 方，在需要增加保险费时，应当按规定补交保险费。

Article 14. In case of any change in the use of the insured property or increase in the risk exposure, the INsured shall immediately notify the Insurer in writing and shall pay an additional premium according to stipulations when so required.

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。

If the Insured fails to do so, the Insurer shall not be held liable for any loss arising from an insured event resulting therefrom.

    第十五条  在发生保险事故后，投保方有责任采取一切必要措施，避免扩大损失，并将事故发生的情况及时通知保险方。

ARticle 15. Upon the incidence of an insured event, the Insured shall take all necessary measures to prevent aggravation of the loss and shall notify the Insurer immediately of full details of the event.

如果投保方没有采取措施， 保险方对由此而扩大的损失，有权拒绝赔偿。

If the Insured fails to take such measures, the Insurer shall be entitled to repudiate liability for any loss so aggravated.

    第四章  保险方的赔偿责任

CHAPTER IV THE LIABILITY OF THE INSURANCE OR COMPENSATION

    第十六条  保险方对发生保险事故所造成的保险标的的损失或者引起的责任，应当按照保险合同规定履行赔偿责任。

Article 16. The Insurer shall, in accordance with the stipulations of the contract of insurance perform the obligation of compensating for loss of or damage to the subject matter insured or for liability caused by or arising from an insured event.

    除另有协议者外，保险方的赔偿责任是对投保方在发生事故当时实际遭受的损失负责赔偿，但最高以保险标的的保险金额为限。

Unless otherwise agreed, the liability of the Insurer for compensation is for loss or damage actually suffered by the Insurer at the time of an insured event subject to a maximum not exceeding the insured amount of the subject-matter insured.

如有分项保险金额的，最高以各该分项保险标的保险金额为限。

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