It is agreed and understood that subject to the Insured having paid the agreed extra premium, the Third Party Liability cover of the Policy shall apply to the insured parties named in the Schedule as if a separate policy had been issued to cach party, provided that the Insurers shall not indemnify the Insured under this Endorsement in respect of liability for:

1. Loss of or damage to items insured or insurable under the Policy, even if not recoverable due to an excess or any limit;

2. Fatal or non-fatal injury or illness of employees or workmen who are or could have been insured under Employers' Liability insurance.

The Insurers' total liability in respect of the insured parties shall not however exceed in the aggregate for any one accident or series of accidents arising out of one event the limit of indemnity stated in the Schedule.

This Clause is subject otherwise to the terms, conditions and exclusions of this Policy.

【參考譯文】

交叉責(zé)任擴(kuò)展條款

茲經(jīng)雙方同意，鑒于被保險(xiǎn)人已繳付了附加的保險(xiǎn)費(fèi)，本保險(xiǎn)單第三者責(zé)任項(xiàng)下的保障范圍將適用于本保險(xiǎn)單明細(xì)表列明的所有被保險(xiǎn)人，就如同每一被保險(xiǎn)人均持有一份獨(dú)立的保險(xiǎn)單，但本公司對(duì)被保險(xiǎn)人不承擔(dān)以下賠償責(zé)任：

(一)已在或可在本保險(xiǎn)單投保的財(cái)產(chǎn)損失，包括因免賠額，或賠償限額規(guī)定不予賠償?shù)膿p失;

(二)已在雇主責(zé)任保險(xiǎn)項(xiàng)下投保的被保險(xiǎn)人的雇員的疾病或人身傷亡。

本公司對(duì)所有被保險(xiǎn)人由一次事故或同一事由引起的數(shù)次事故承擔(dān)的全部責(zé)任不得超過保險(xiǎn)單明細(xì)表中列明的每次事故賠償限額。

本保險(xiǎn)單所載其他條件不變。

【知識(shí)小貼士】

附加保險(xiǎn)費(fèi)(Extra Premium)

根據(jù)保險(xiǎn)條件在基本保險(xiǎn)費(fèi)率上增加的額外保險(xiǎn)費(fèi)率叫做附加保險(xiǎn)費(fèi)。對(duì)于那些有特別危險(xiǎn)的保險(xiǎn)必須征收附加保險(xiǎn)費(fèi)。例如:延長(zhǎng)保險(xiǎn)合同規(guī)定的保險(xiǎn)時(shí)間,擴(kuò)大保險(xiǎn)條件的內(nèi)容，保險(xiǎn)的危險(xiǎn)性發(fā)生變更，這些時(shí)候都需對(duì)附加保險(xiǎn)費(fèi)進(jìn)行調(diào)整。

責(zé)任編輯：admin