Skip Navigation
 

簡介

承保除保單所載不保事項外因發生恐怖主義行為所致之損失負賠償責任。

保障內容

核准日期及文號

  • 93.06.29 環產(93)字第099號核備
  • 96.08.31依行政院金融監督管理委員會95.09.01金管保二字第09502522257號令修正
  • 96.08.24金管保三字第09602099350號
  • 96.09.10(96)邦保商企字第066號函備查
  • 98.11.23(98)美亞保精字第0001號函備查 
  • 102.03.04(102)美亞保精字第0030號
  • 105.09.01依金融監督管理委員會105.07.18金管保產字第10502524121號函修正

承保範圍

The buildings and contents declared to underwriters, which belong to the insured or for which the insured is legally responsible, are insured while at the named location(s) specified in the schedule against direct physical loss or physical damage, occurring during the period of insurance and caused by an act of terrorism, subject to the following terms, exclusions and conditions.

不保事項

本公司對於下列事故所致之賠償責任,不負賠償之責:
This insurance does not cover:
Loss, damage, cost or expense of whatsoever nature directly or indirectly occasioned by, happening through or in consequence of any of the following:

  1. Any act of terrorism involving the emission, discharge, dispersal, release or escape of any chemical or biological agent.
  2. Any threat or hoax of an act of terrorism.
  3. Any act of terrorism by electronic means including computer hacking or the introduction of any form of corrupting, harmful or otherwise unauthorised instructions or code.
  4. Pollution or contamination, however such pollution or contamination may have been caused.
  5. Vandalism and malicious mischief, strikes, labor unrest, riots or civil commotion.
  6. War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power.
  7. Confiscation, nationalization, requisition or destruction of or damage to property by or under the order of any government or public or local authority.
  8. Nuclear reaction, nuclear radiation or radioactive contamination, however such nuclear reaction, nuclear radiation or radioactive contamination may have been caused.

Loss of market, loss of income, or loss of use except to the extent such coverage is provided hereunder by Loss of Income Extension specifically included for coverage under this policy. 

Depreciation, reduction in functionality, increased cost of working, theft, looting, mysterious disappearance or unexplained loss or any other consequential loss. 

Any building or property contained therein, if such building has been unoccupied for more than thirty consecutive days. 

Aircraft, watercraft, locomotives or rolling stock or vehicles designed for road use. 

Transmission and distribution lines and their supporting structures outside of the named location. 

Any animal, plant or tree. 

Loss, damage, destruction, distortion, erasure, corruption or alteration of electronic data. 

Any claim where, but for the existence of this insurance, the insured would be entitled to be paid under any other policy, except for any excess beyond the amount which would have been covered under such other policy. 

銷售予金融消費者之保險商品預定附加費用率:9.1%-49.9%

短期費率表

本保險單之短期費率依總公司提供之短期費率表計算。由於本公司本保險之自留比率較低,主要仰賴總公司安排之再保險,因此短期費率表亦參照總公司提供之短期費率係數計算。

<>
  保險有效期間 應收全年保險費之百分比

一個月或以下者 25%

超過一個月以上至滿二個月者 35%

超過二個月以上至滿三個月者 45%

超過三個月以上至滿四個月者 55%

超過四個月以上至滿五個月者 65%

超過五個月以上至滿六個月者 70%

超過六個月以上至滿七個月者 75%

超過七個月以上至滿八個月者 80%

超過八個月以上至滿九個月者 85%

超過九個月以上至滿十個月者 90%

超過十一個月者 100%

保費退費係數表

If the insured cancels, that amount of the premium which has been earned by the insurer shall be computed in accordance with the customary short rate table and procedure, subject to a twenty five percent (25%) minimum earned amount; if the insurer cancels, the computation shall be on a pro-rata basis. Premium adjustment may be made as soon as practicable after cancellation becomes effective.

理賠申請文件及程序
 

條款