Every warranty to which the PropertyInsured or any item thereof1is or may be made subject shall fromthe time the warranty attaches apply and continue to be in force during thewhole currency of this Policy,2and non-compliance with any suchwarranty shall be a bar to any claim in respect of such Property or item,3provided that whenever this Policy is renewed a claim in respect of Damageoccurring during the renewal
period shall not be barred by reason of awarranty not having been complied with at any time before commencement of suchperiod.4
The Company may at its option, repair orreplace the Property Damaged, or any part thereof, instead of paying the amountof the Damage, or may join with any other persons, companies or insurers in sodoing,6but the Company shall not be bound to repair exactly orcompletely, but only as circumstances permit and in reasonably sufficientmanner, and in no case shall the Company be bound to expend more in repair thanit would have cost to repair such Property as it was at the time of theoccurrence of such Damage, nor more than the Sum Insured thereon.
If in any casethe Company shall be unable to repair or replace the Property Insured becauseof any law or regulations in force affecting the alignment of streets, or theconstruction of buildings, or otherwise,7the Company shall, inevery such case, only be liable to pay such sums as would be required to repairor replace such Property if the same8could lawfully be repaired toits former condition.
[if !supportLists]1. [endif]保证条款
有关受保财产或其中任何物品，受保人须在附加的保证条款生效后及受保期内遵守每一保证条款，不遵守任何保证条款则不对有关的财产或物品提出索赔。但如果本保险单需要续保而在续保期间发生损毁时，则不能以受保人未在续保期间开始前遵守保证条款为理由而拒绝索赔。
恢复原状
本公司自己或连同其他人、其他公司或其他保险公司，可自由选择修理或更换全部或部分的损毁来代替赔款，但本公司不担保修理到丝毫无异，只会进行适当修复。无论在任何情况下本公司都无须支付超过财产损毁所需的修理费用，亦不可超过该财产的保额。
如果因为有关现行街道规划或房屋建筑的法律或规则或其他有关法律或规则，导致本公司不能修理或更换所保的财产，则本公司仅须给付法例许可下的修理或更换费用。
1. Extension of cover can be granted subject tothe discretion of the Company once a Period of Insurance has commenced;however, the insurance cover provided will be automatically extended for amaximum period of 10 days in the event that the Insured Person is unavoidablydelayed in the course of his scheduled itinerary as stipulated prior todeparture.
2. The insurance coverage commences on thedeparture of the Insured Person from his residence or office (whichever islater) directly to the international departure point and ceases on the InsuredPerson's return to his residence or office (whichever is earlier); PROVIDEDTHAT the insurance shall not in any event be deemed to have commenced more than12 hours prior to the departure time or ceased more than 12 hours after thereturn to the Place of Origin or arrival at the final destination. As forcoverage under the ''Cancellation Charges" section the insurance commenceson the date the Insurance Certificate is issued and ceases on the departuredate on the itinerary as stipulated before commencement of travel.
3. If any claim shall be fraudulent orintentionally exaggerated or if any false declaration or statement shall bemade then the policy shall be void and no claim shall be payable.
[if !supportLists]1. [endif]旅游保险
（a）保险生效之后，经承保人同意，受保期限可予延长。但是，若受保人在出发前已确定的形成出现无可避免的烟雾，则保险期限可自动延长最多十天。
（b）本保险单的保险范围于受保人自其居所或办公地点（以时间较后者为准）直接出发往离境地点起开始生效，并于其返回上述居所或办公地点（以较早者为准）时终止；任何情况下，本保险均不可遭遇预定启程时间前十二小时开始生效，亦不可迟于预定返回原居地或抵达最终目的地后十二小时终止。有关“旅程取消”项下所定的保险范围，于保险证明书发出当日开始生效，并于旅程开始前订定的行程启程当日终止。
（c）若任何索赔出现欺诈情形或蓄意夸大事实或有任何虚假声明或陈述，则保险单将作废除，而所有索赔均不会获得赔偿。
