特约条款是指当事人在保险合同基本条款之外自由约定的条款，是保险人用来控制保险危险和变更基本条款内容的重要手段。

The special clause refer to parties' free and appointed clause outside the basic clause of contract of insurance, Its purpose lies in controlling danger and basic clause content of the change.

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在伦敦大火警示人们注意打盹的面包师傅与木结构房屋这一致命组合的危险之前，火灾保险从未受到多少重视。

Fire insurance was not given much thought until the Great Fire of London alerted people to the danger of combining dozy bakers and wooden houses.

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保险公司正处于危险的边缘。

Insurance firms teeter on the brink.

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