【正文】 the insurable interest of the Insured is lost。 take all necessary measures to avoid aggravation of the loss ordamage and minimize it to the least extent。 6. loss of or damage to insured property directly or indirectly causedor expenses incurred by nuclear fission, nuclear fusion, nuclear weapon,nuclear material, nuclear radiation and radioactive contamination。 10. crashing aircraft and parts or articles falling from aircraft andother flying objects。 4. hurricane, typhoon and tornado。 5. puter system records or its making and copying costs. Under no circumstances shall the following articles relevant theretobe covered hereunder: 1. guns, ammunition or explosives。 七、特別條款 下列特別條款適用于本保險單的各個部分，若其與本保險單的其他規(guī)定相沖突，則以下列特別條款為準。被保險人應提供一切便利及本公司要求的用以評估有關風險的詳情和資料。 （二）保單無效 如果被保險人或其代表漏報、錯報、虛報或隱瞞有關本保險的實質性內容，則本保險單無效。 （三）保險項目發(fā)生損失后，如本公司按全部損失賠付，其殘值應在賠款中扣除，本公司有權不接受被保險人對受損財產(chǎn)的委付。 下列物品一律不得作為保險財產(chǎn)： （一）槍支彈藥、爆炸物品； （二）現(xiàn)鈔、有價證券、票據(jù)、文件、檔案、帳冊、圖紙； （三）動物、植物、農作物； （四）便攜式通訊裝置、電腦設備、照相攝像器材及其他貴重物品； （五）用于公共交通的車輛。 三、除外責任 本公司對下列各項不負責賠償： （一）被保險人及其代表的故意行為或重大過失引起的任何損失和費用； （二）地震、海嘯引起的損失和費用； （三）貶值、喪失市場或使用價值等其他后果損失； （四）戰(zhàn)爭、類似戰(zhàn)爭行為、敵對行為、武裝沖突、恐怖活動、謀反、政變、罷工、暴動、民眾騷亂引起的損失和費用； （五）政府命令或任何公共當局的沒收、征用、銷毀或毀壞； （六）核裂變、核聚變、核武器、核材料、核幅射以及放射性污染引起的任何損失和費用； （七）大氣、土地、水污染及其他各種污染引起的任何損失和費用，但不包括由于本保險單第二條責任范圍列明的風險造成的污染引起的損失； （八）本保險單明細表或有關條款中規(guī)定的應由被保險人自行負擔的免賠額； （九）其他不屬于本保險單第二條責任范圍列明的風險引起的損失。 （六）本公司賠償損失后，由本公司出具批單將保險金額從損失發(fā)生之日起相應減少，并且不退還保險金額減少部分的保險費。 （四）保單注銷 被保險人可隨時書面申請注銷本保險單，本公司亦可提前十五天通知被保險人注銷本保險單。 （八）權益轉讓 若本保險單項下負責的損失涉及其他責任方時，不論本公司是否已賠償被保險人，被保險人應立即采取一切必要的措施行使或保留向該責任方索賠的權利。 自＿＿＿年＿＿月＿＿日零時起，至＿＿＿年＿＿月＿＿日二十四時止。 4. mobile phones, portable puters, removable photograph apparatusor other precious articles。 6. hailstorm。 2. loss of or damage to the insured property caused and expensesincurred by earthquake or tsunami。 9. loss or damage arising from any other perils not listed in ArticleII of this Policy. IV. TREATMENT OF CLAIM 1. The Company shall at its option, indemnify the Insured in respectof loss or damage falling within the Scope of Cover of the Policy byeither: paying the amount of the actual value of the property lost ordamaged or。 the risk of loss or damage is increased. After termination of the Policy, the premium shall be refunded to theInsured calculated on pro rata daily basis for the period from the date oftermination to the date of expiry. 4. Policy Cancellation This Policy may be canceled at any time at the request of the Insuredin writing or at the option of the Company by giving a fifteen (15) daysprior notice to the Insured. In the former case the Company shall retain apremium calculated on short term rate basis for the time the Policy hasbeen in force while in the latter case such premium shall be calculated onpro rata daily basis. 5. Forfeit of Benefit If the claim is in any respect fraudulent, or if any fraudulent meansor devices are used by the Insured or his representative to obtain anybenefit under this Policy or if any loss or damage is occasioned by theintentional act or in the connivance of the Insured or his representative,then in any of these cases, all the rights and benefits of the Insuredunder this Policy shall be forfeited, and all consequent losses arisingtherefrom including the amount of claim paid by the Company shall beindemnified by the Insured. 6. Reasonable Inspection The representative of the Company shall at any suitable time bee