保险人为维护保险标的的安全，经被保险人同意，可以采取安全预防措施。

The insurer may, with the consent of the insured, take safety preventive measures to protect the subject matter of the insurance.

　　 第三十六条　在合同有效期内，保险标的危险程度增加的，被保险人按照合同约定应当及时通知保险人，保险人有权要求增加保险费或者解除合同。

Article 36 If the extent of risk to the subject matter of the insurance increases during the period of the contract, then the insured shall, in accordance with the contract, promptly notify the insurer and the insurer shall have the right to increase the premium or terminate the contract.

　　 被保险人未履行前款规定的通知义务的，因保险标的危险程度增加而发生的保险事故，保险人不承担赔偿责任。

If the insured fails to fulfill the obligation of notice stipulated in the preceding paragraph, the insurer shall bear no obligation for indemnity of the insured event which occurs due to the increased risk to the subject matter of the insurance.

　　 第三十七条　有下列情形之一的，除合同另有约定外，保险人应当降低保险费，并按日计算退还相应的保险费：

Article 37 Unless otherwise specified in the contract, the insurer shall reduce the premium and return the corresponding premium paid pro rata to the number of days, if either:

　　 （一）据以确定保险费率的有关情况发生变化，保险标的危险程度明显减少；

a change occurs in the circumstances on which the insurance rate was calculated, so that the risk to the subject matter of the insurance is noticeably reduced; or

　　 （二）保险标的的保险价值明显减少。

a material reduction occurred in the insured value of the subject matter of the insurance.

　　 第三十八条　保险责任开始前，投保人要求解除合同的，应当向保险人支付手续费，保险人应当退还保险费。保险责任开始后，投保人要求解除合同的，保险人可以收取自保险责任开始之日起至合同解除之日止期间的保险费，剩余部分退还投保人。

Article 38 In the event that an applicant requests the termination of the contract prior to the commencement of the insurance liability, the applicant shall pay handling charges to the insurer and the insurer shall return the premiums paid. In the event that an applicant requests the termination of the contract subsequent to the commencement of the insurance liability, the insurer may retain the premiums for the period from the commencement of the insurance liability to the date of the termination of the contract, and shall return the balance of the premiums to the applicant.

　　 第三十九条　保险标的的保险价值，可以由投保人和保险人约定并在合同中载明，也可以按照保险事故发生时保险标的的实际价值确定。

Article 39 The insured value of the subject matter of the insurance may be agreed by the applicant and the insurer, and specified in the contract; or it may be assessed based on the actual value of the subject matter of the insurance at the time of the occurrence of the insured event.

　　 保险金额不得超过保险价值；超过保险价值的，超过的部分无效。

The sum insured shall not exceed the insured value of the subject matter of the insurance, and any portion exceeding the insured value of the subject matter of the insurance is null and void as a matter of law.

　　 保险金额低于保险价值的，除合同另有约定外，保险人按照保险金额与保险价值的比例承担赔偿责任。

Unless otherwise specified in the contract, in the event that the sum insured is less than the insured value, the insurer shall undertake the obligation for indemnity pro rata of the sum insured to the insured value.

　　 第四十条　重复保险的投保人应当将重复保险的有关情况通知各保险人。

Article 40 In the event of double insurance, the applicant shall notify all the insurers concerned of relevant information with respect to such double insurance.

　　 重复保险的保险金额总和超过保险价值的，各保险人的赔偿金额的总和不得超过保险价值。除合同另有约定外，各保险人按照其保险金额与保险金额总和的比例承担赔偿责任。

If the total amount of the sum insured by double insurance exceeds the insured value, the total amount of indemnity paid by all insurers concerned shall not exceed the insured value. Unless specified otherwise in the contract, the insurers concerned shall undertake their obligation for indemnity based on the proportions their respective amounts of the sum insured bear to the total amount of the sum insured.

　　 重复保险是指投保人对同一保险标的、同一保险利益、同一保险事故分别向二个以上保险人订立保险合同的保险。

A double insurance refers to insurance under which an applicant enters into insurance contracts with two or more insurers on the same subject matter of the insurance, the same insurable interests and the same insured event.

　　 第四十一条　保险事故发生时，被保险人有责任尽力采取必要的措施，防止或者减少损失。

Article 41 Following the occurrence of an insured event, the insured is obligated to take all necessary measures to prevent or mitigate loss or damage.

　　 保险事故发生后，被保险人为防止或者减少保险标的的损失所支付的必要的、合理的费用，由保险人承担；保险人所承担的数额在保险标的损失赔偿金额以外另行计算，最高不超过保险金额的数额。

The insurer shall bear the expenses necessarily and reasonably incurred by the insured in taking measures to prevent or mitigate further loss or damage of the subject matter of the insurance after the occurrence of the insured event; the amount of such expenses borne by an insurer shall be calculated separately from the indemnity for the loss of the subject matter of the insurance and it shall not exceed the sum insured.

　　 第四十二条　保险标的发生部分损失的，在保险人赔偿后三十日内，投保人可以终止合同；除合同约定不得终止合同的以外，保险人也可以终止合同。保险人终止合同的，应当提前十五日通知投保人，并将保险标的未受损失部分的保险费，扣除自保险责任开始之日起至终止合同之日止期间的应收部分后，退还投保人。

Article 42 If the subject matter of the insurance sustains partial loss, the applicant may terminate the contract within thirty (30) days after the loss is indemnified by the insurer. Unless specified otherwise in the insurance contract, the insurer may also terminate the contract. In the event that the insurer terminates the contract, the insurer shall notify the applicant fifteen (15) days in advance of such termination and return to the applicant the premium received for the portion of the subject matter of the insurance which is not lost or damaged after deducting the earned premium for the subject matter of the insurance which is not lost or damaged from the date of the commencement of the insurance liability to the date of the termination of the contract.

　　 第四十三条　保险事故发生后，保险人已支付了全部保险金额，并且保险金额相等于保险价值的

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