General provisions

Article 1Covered by insurance, the insurance contract, insurance policy, single endorsement and other special agreement. Relating to the insurance contract, shall be made in written form.

Article secondThis clause is divided into four parts, the basic insurance for the general terms, additional risk and interpretation. Additional risks can not be independent insurance, the insurer in accordance with the insurance don't respectively assume insurance responsibility. Additional clauses terms and basic insurance is differ, with additional clauses shall prevail, deficiencies, to the basic clause. Unless otherwise stipulated in the insurance contract, provisions and definitions of general terms shall be applicable to any part of the insurance terms.

Article thirdThe insurance of motor vehicles referred to is in the people's Republic of China (excluding Hong Kong, Macao, and Taiwan regions) driven or drawn by power device, on the road for use by staff or for wheeled or tracked vehicle for the delivery of goods and special engineering operations, but does not include motorcycles and tractors.

Article fourthThe insurance contract is not valued insurance contract.

Article fifthThis policy applies only to non operating vehicle.

The first part of the basic insurance

The basic risks including commercial third party liability insurance, the vehicle damage insurance, whole vehicle pilfer, car personnel liability insurance is a total of four independent insurance, the insured can select the part of insurance, can also choose to insure all risks.

The first chapter commercial third party liability insurance

Insurance liability

Article 1In the period of insurance, the insured or the valid driver's accident insurance in use vehicle process, direct damage causes the third suffers from a personal injury and property, in accordance with the law shall bear the liability for the economy of the insured, the insurer for more than a motor vehicle traffic accident liability compulsory insurance (hereinafter referred to as the intersection strong insurance) above the limit part of the partial compensation, responsible for compensation in accordance with the provisions of the insurance contract.

Exemption from liability

Article secondThe accident caused by the following reasons, the insurer shall not be liable for:

(a) the earthquake and its secondary disasters;

(two) the war, the military conflict, terrorism, riots, seizure, confiscation, seizure, requisition by government;

(three) nuclear reaction, nuclear pollution, nuclear radiation;

(four) the victim and the insured person or the driver of the malicious collusion;

(five) the insured, the driver or the victim intentionally causing the accident.

Article thirdWhen accident occurs, the insurance vehicle in any of the following circumstances, the insurer shall not be liable for compensation:

(a) unless otherwise agreed, by the traffic control department of the public security organ without insurance accident occurs when a valid driving license, license plate, or temporary plate or temporary mobile card;

(two) no motor vehicle safety and technical inspection or testing within the period of inspection did not pass;

(three) insurance vehicle in a contest, inspection, repair, maintenance, custody, requisition, confiscation, the whole car was theft, robbery, snatch during;

(four) traction other uninsured vehicles or traction is the type of vehicle;

(five) transferred to another vehicle insurance, the insured, the transferee fails to perform the contract of insurance the second part "General Provisions" the provisions of article fifteenth of the obligation of notification, for the transfer of vehicle insurance risk leads to increased significantly and the occurrence of the insured event.

Article fourthWhen accident occurs, the driver in any of the following circumstances, the insurer shall not be liable for compensation:

(a) not lawfully obtained a motor vehicle driving license, the inconsistent provisions did not check the driving license, driving and driving license;

(two) the driver in the driving license is lost, damaged, expired or been detained in accordance with the law, detained or score reached 12 points, still driving a motor vehicle;

(three) learning driving without a coach with the vehicle guidance;

(four) the motor vehicle driver training period containing explosives, inflammable or explosive chemicals, toxic or radioactive and other dangerous goods, or driving motor vehicles towing trailers;

(five) drinking or taking state control of psychotropic drugs or narcotics;

(six) without the consent of the insured or allowed to drive;

(seven) engaged in criminal activities by the insured vehicle;

(eight) after the accident, the insured person or the driver fails to take measures in case of vehicle driving insurance or abandoned insurance car fled the scene of the accident, or vandalism, falsifies the scene, destroy evidence;

(nine) according to the traffic management departments of public security organs or the relevant provisions of laws and regulations do not allow the other driver under the driving of vehicle insurance.

Article fifthThe losses and costs, the insurer shall not be liable for:

(a) the insured person or the driver and their family members, and all the casualties or property in the custody of the loss;

(two) the car personnel casualties or property loss of the car;

(three) the insured vehicle accidents resulting in third closed down, suspended, power, water, gas stop, stop, communication or network outages, data loss, voltage loss and other indirect losses;

(four) any losses and costs of vehicle cargo, leakage, corrosion;

(five) caused by pollution losses and expenses;

(six) third party property due to market price changes due to the depreciation, repairs after the value loss;

(seven) parking fees, custodial fees, buckle and all kinds of fine fare;

(eight) any mental damage insurance accident compensation;

(nine) according to the insurance franchise calculation of the insured shall bear part of the.

Article SixthShould be made compulsory insurance compensation for loss and expense, the insurer shall not be liable for.

Vehicle insurance uninsured or cross strong insurance contract has expired, within the cross strong insurance liability limit losses and costs, the insurer shall not be liable for.

Article seventhThe other is not within the scope of insurance liability losses and costs, the insurer shall not be liable for.

Limit of indemnity

Article eighthThe provisions of each accident compensation limit is divided into the following eight files, by the insured and the insurer of the signing of the insurance contract negotiation, and specified in the insurance policy: 50000 yuan, 100000 yuan, 150000 yuan, 200000 yuan, 300000 yuan, 500000 yuan, 1000000 yuan and 1000000 yuan, and the highest do not exceed 50000000 element.

Treatment of claim

Article ninthThe insured claims, shall provide to the insurer:

(a) insurance policy;

(two) were valid identity insurance and the third party insurance certificate, vehicle driving license, driving license;

(three) issued by the traffic control department of the public security organs issued by the traffic accident responsibility confirmation or institutions such as courts of the relevant legal documents and other evidence;

(four) third party property loss degree certificate or to prove the disabled degree and the list of losses and expenses documents;

(five) the insured according to the provisions of relevant laws and regulations to choose negotiation way of handling traffic accident shall be provided in accordance with the "situation, the traffic accident traffic accident management procedures" provisions of the agreement;

(six) the other to confirm the property of insurance accident, reason, loss and other material relevant to.

Article tenthWhen insurance accident occurs, the insured has no insurable interest in the insured vehicle, shall not claim for compensation to the insurer.

Article eleventhInsurance on the insured to third party damage, in accordance with the law or the agreement in the contract, directly to the third party compensation insurance.

The insured caused harm to the third party liability insurance, is to be determined by third, according to the request of the insured, the insurer shall directly to the third party compensation insurance. The insured fails to request, third have the right to request compensation should be compensation insurance payments directly from the insurer.

The insured caused harm to the third party, the insured to the third party without compensation, the insurer shall not paid indemnities to the insured.

Article twelfthVehicle road traffic accident insurance, the insurer according to the proportion of liability accident drivers have corresponding negative in the traffic accident liability.

The insured or the insured vehicle driver selection based on the negotiation or not to determine the proportion of the accident by the traffic control department of the public security organ to deal with the accident of the relevant laws and regulations, determine the proportion of accidents in accordance with the following provisions:

The insurance side of the vehicle to take full responsibility of the accident, the proportion of responsibility for the accident is not more than 100%;

The insurance side of the vehicle to bear the main responsibility for the accident, the proportion of responsibility for the accident is not more than 70%;

The negative equivalent accident liability insurance accident vehicle, ratio of not more than 50%;

Negative secondary liability insurance in the vehicle, the proportion of responsibility for the accident is not more than 30%;

The vehicle without accident liability insurance, the insurer shall not be liable for.

Article thirteenthAccording to the proportion of liability accident drivers have negative in the accident, this insurance shall carry out the correspondingThe accident responsibility franchise:

In the traffic accident, the insurance vehicle drivers take full responsibility of the accident liability, franchise 20%; primary responsibility, the responsibility of the accident franchise 15%; bear equal responsibility, liability exemption rate 10%; negative secondary responsibility, liability exemption rate 5%.

Article fourteenthWhen insurance accident happens, in violation of laws and regulations relating to motor vehicles loaded with provisions, the implementation of 10%Deductible franchise.

Article fifteenthWhen insurance accident happens, the insurance of vehicle real driving area beyond the scope of insurance, 10% increase in the absolute 免赔率.

Article sixteenthThe insured may specify the driver or not specified in people driving the insured, and to implement the corresponding rate.

Designated driver, the insured shall truthfully inform the designated driver related information, including name, gender, age, driving, quasi driving type, first get a driver's license, identity card or other valid certificate number etc..

The designated insurance vehicle drivers, by non designated driving insurance vehicle insurance accident occurs, the specified driver or the insured person to provide information is not true, for a 10% increase in the absolute 免赔率.

Article seventeenthAfter insurance accident happens, the insurer in accordance with the provisions of the scope of compensation, the relevant national laws and regulations and standards as well as the contract of insurance, and the health administrative department of the State Council formulate accident personnel trauma clinical guidelines and national basic medical insurance, the amount of compensation for personal injury in the limit of liability insurance policy stated in the.

Article eighteenthBecause of the insurance accident caused third loss of property, should try to repair. Repair of the insured person shall be jointly with the insurer inspection, repair or project consultation, and replacement costs. Otherwise, the insurer has the right to re approved, by insurant causes loss could not be determined, the insurer shall not bear the liability of compensation.

Article nineteenthWithout the written consent of the insurer, the insured to promise or pay the amount of compensation, the insurer has the right to re approved. Does not belong to the scope of compensation to the insurer or the insurer should exceed the indemnity, the insurer is not liable for compensation.

Article twentiethThis insurance in accordance with the following methods to calculate the amount of compensation:

(a) when the insured shall compensate the amount above the compensation limit:

Indemnity = compensation limit * (1 accident responsibility franchise) * (1 - deductible franchise)

(two) the amount of compensation for the insured when is equal to or lower than the compensation limit:

Claims for compensation amount x = (1 accident liability of franchise) * (1 - deductible franchise)

The insured shall be the amount of compensation for the economic compensation liability to third party personal injury or property damage should assume by insurant lawfully pay above more than part of the insurance of each item, multiplied by the accident liability ratio.

Article twenty-firstBecause of the insurance accident caused third loss of property, the residual part after the loss, the insurer and the insured negotiation process. If the discount to the insured, its value is determined by both parties through negotiation, and deduction in the indemnity.

Article twenty-secondThe use of the connection of the main vehicle and trailer as a whole. When insurance accident happens, the liability for compensation liability for damages caused by the main trailer as caused by vehicle. The insured amount of compensation and negative to the trailer liability and liability shall be limited to the main vehicle, the main vehicle limit of indemnity.

The main vehicle, trailer in different insurance companies, insurance according to the insurance of the commercial third party liability insurance indemnity pro rata claim.

Article twenty-thirdWhen insurance accident happens, if the insured losses in the same security of other insurance under can also obtain the compensation, the insurer shall each accident compensation limit of the contract of insurance and other insurance contract and the contract for each accident compensation limit of the ratio of the sum of the liabilities of compensation.

The amount of compensation to the insurer shall be liable for the other, the insurer is not liable to pay and pay the.

Article twenty-fourthThe insurer and the insured amount of compensation and compensation is determined in consultation after the trial, the victim and the same accident claim for compensation to the insured, the insurer shall not be liable for.

Article twenty-fifthThe insured to obtain the compensation, the insurance contract shall continue to be valid, expired until the period of insurance.

Article twenty-sixthThe insurer accepts the report, field mapping, nuclear damage pricing, participate in litigation, to provide suggestions for insurance and related documents issued and the requirements of behavior, does not constitute the insurance liability for commitment.

The second chapter vehicle damage insurance

Insurance liability

Article 1In the period of insurance, the insured or the valid driver in the use of vehicle insurance process, due to the following reasons caused the loss of vehicle insurance, the insured in accordance with the provisions of the insurance contract for compensation:

(a) collision, overturning;

(two) the fire, explosion;

(three) the external objects collapse or fall, insurance vehicle parallel fall;

(four) the lightning, storm, flood, storm, tornado, tsunami, subsidence, ice trapped, cliff collapse, debris flow, landslide, avalanche, hail;

(five) the ferry carrying insurance vehicle suffered this article (four) of the natural disasters (limited to caregivers driver ship).

Article secondOccurrence of provisions of Article 1 of this clause of insurance after the accident, the insured to reduce the loss of vehicle insurance payment of necessary, reasonable labor charges, insurance in accordance with the provisions of this contract shall be responsible for the compensation, the maximum amount of compensation shall be limited to the insured amount.

Exemption from liability

Article thirdThe causes of loss, the insurer shall not be liable for:

(a) the earthquake and its secondary disasters;

(two) the war, the military conflict, terrorism, riots, seizure, confiscation, seizure, requisition by government;

(three) nuclear reaction, nuclear pollution, nuclear radiation;

(four) impact, corrosion of the car's cargo;

(five) and unknown causes of spontaneous combustion;

(six) artificial direct supply, high temperature baking;

(seven) in violation of the provisions of relevant laws and regulations of motor vehicle loading;

(eight) the insured person or the driver deliberately causing the occurrence of the accident behavior.

Article fourthWhen accident occurs, the insurance vehicle in any of the following circumstances, the insurer shall not be liable for compensation

(a) unless otherwise agreed, by the traffic control department of the public security organ without insurance accident occurs when a valid driving license, license plate, or temporary plate or temporary mobile card;

(two) no motor vehicle safety and technical inspection or testing within the period of inspection did not pass;

(three) insurance vehicle in a contest, inspection, repair, maintenance, custody, requisition, confiscation of period;

(four) transferred to another vehicle insurance, the insured, the transferee fails to perform the contract of insurance the second part "General Provisions" the provisions of article fifteenth of the obligation of notification, for the transfer of vehicle insurance risk leads to increased significantly and the occurrence of the insured event.

Article fifthWhen accident occurs, the driver in any of the following circumstances, the insurer shall not be liable for compensation:

(a) not lawfully obtained a motor vehicle driving license, the inconsistent provisions did not check the driving license, driving and driving license;

(two) the driver in the driving license is lost, damaged, expired or been detained in accordance with the law, detained or score reached 12 points, still driving a motor vehicle;

(three) learning driving without a coach with the vehicle guidance;

(four) the motor vehicle driver training period containing explosives, inflammable or explosive chemicals, toxic or radioactive and other dangerous goods, or driving motor vehicles towing trailers;

(five) drinking or taking state control of psychotropic drugs or narcotics;

(six) without the consent of the insured or allowed to drive;

(seven) engaged in criminal activities by the insured vehicle;

(eight) after the accident, the insured person or the driver fails to take measures in case of vehicle driving insurance or abandoned insurance car fled the scene of the accident, or vandalism, falsifies the scene, destroy evidence;

(nine) according to the traffic management departments of public security organs or the relevant provisions of laws and regulations do not allow the other driver under the driving of vehicle insurance.

Article SixthThe losses and costs, the insurer shall not be liable for:

(a) the insurance vehicle wear and tear, rot, electrical machinery fault;

(two) mirror damage alone, lamp damage alone, glass (not including the skylight glass) alone and broken, a separate body paint scratch the surface, the wheel (including tire and wheel hub) damage alone;

(three) insurance vehicles because of flooded or by wading traffic resulting in engine damage;

(four) insurance car whole car theft, robbery, snatch, as well as in the whole car theft, robbery, snatch theft, robbery or during the robbery attempt, damage or loss of car parts, accessory equipment;

(five) suffered the loss of insurance coverage, without the necessary repair continue to use, so that the losses are part of the expansion;

(six) the new car factory outside the vehicle when the original configuration equipment loss;

(seven) the market price changes caused by reducing the value of depreciation, repair the loss caused by;

(eight) the insured suffered by insurance vehicle cannot use the losses and expenses;

(nine) because of the loss or expense caused by pollution;

(ten) parking fees, custodial fees, buckle and all kinds of fine fare;

(eleven) the loss of vehicle insurance must be strong insurance to pay part of the compensation;

(twelve) insurance deductibles and according to insurance franchise calculation of the insured shall bear part of the loss.

Article seventhThe other is not within the scope of insurance liability losses and costs, the insurer shall not be liable for.

Insurance amount

Article eighthInsurance amount insurance vehicles can be determined in the following manner:

(a) according to the insurance and insurance the same type of new vehicle purchase price;

(two) according to the insurance and insurance the same type of new vehicle purchase price minus depreciation part;

(three) the insured and the insurer to determine the negotiation.

But the insured amount shall not exceed the insured vehicle new car purchase price of similar, more than part of the void.

Treatment of claim

Article ninthThe insured to the insurer for the loss, shall provide to the insurer:

(a) insurance policy;

(two) were valid identity proof of insurance underwriters, the vehicle driving license, driving license;

(three) issued by the traffic control department of the public security organs issued by the traffic accident responsibility confirmation or institutions such as courts of the relevant legal documents and other evidence, evidence obtained through cross strong insurance indemnity;

(four) the insured according to the provisions of relevant laws and regulations to choose negotiation way of handling traffic accident shall be provided in accordance with the "situation, the traffic accident traffic accident management procedures" provisions of the agreement;

(five) shall be responsible for compensation by third but did not find the third, in a road accident, shall provide certificate and issued by the traffic control department of the public security organ; in other places of the accident, shall provide a certificate issued by the local public security organs;

(six) the other to confirm the property of insurance accident, reason, loss and other material relevant to.

Article tenthWhen insurance accident occurs, the insured has no insurable interest in the insured vehicle, shall not claim for compensation to the insurer.

Article eleventhVehicle road traffic accident insurance, the insurer according to the proportion of liability accident drivers have corresponding negative in the traffic accident liability.

The insured or the insured vehicle driver selection based on the negotiation or not to determine the proportion of the accident by the traffic control department of the public security organ to deal with the accident of the relevant laws and regulations, determine the proportion of accidents in accordance with the following provisions:

The insurance side of the vehicle to take full responsibility of the accident, the proportion of responsibility for the accident is not more than 100%;

The insurance side of the vehicle to bear the main responsibility for the accident, the proportion of responsibility for the accident is not more than 70%;

The negative equivalent accident liability insurance accident vehicle, ratio of not more than 50%;

Negative secondary liability insurance in the vehicle, the proportion of responsibility for the accident is not more than 30%.

Article twelfthAccording to the proportion of liability accident drivers have negative in the traffic accident, the vehicle damage and expenses: the accident responsibility corresponding franchise:

In the traffic accident, the insurance vehicle drivers take full responsibility of the accident liability, franchise is 15%; the primary responsibility, the responsibility of the accident franchise for 10%; bear equal responsibility, the responsibility of the accident franchise was 8%; negative secondary responsibility, the responsibility of the accident franchise is 5%; the responsibility of the accident Dan Fangzhao accident free the odds of 15%.

Article thirteenthWhen insurance accident happens, shall be composed of third persons responsible for compensation and did not find the third, 30% tax deductible franchise.

Article fourteenthWhen insurance accident happens, the insurance vehicle in violation of the relevant provisions of laws and regulations of motor vehicle loading, but illegal loading causes not insurance accident, 10% increase in the absolute 免赔率.

Article fifteenthWhen insurance accident happens, the insurance of vehicle real driving area beyond the scope of insurance, 10% increase in the absolute 免赔率.

Article sixteenthThe insured may specify the driver or not specified in people driving the insured, and to implement the corresponding rate.

Designated driver, the insured shall truthfully inform the designated driver related information, including name, gender, age, driving, quasi driving type, first get a driver's license, identity card or other valid certificate number etc..

The designated insurance vehicle drivers, by non designated driving insurance vehicle insurance accident occurs, the specified driver or the insured person to provide information is not true, for a 10% increase in the absolute 免赔率.

Article seventeenthThe increase in the base of each accident insurance accident liability franchise and deductible franchise is deductible, deductible in the insurance contract as specified in the. The insurance contract may stipulate deductible to zero.

Article eighteenthThe accident occurred insurance insured caused damage to the vehicle, should try to repair. Repair of the insured person shall be jointly with the insurer inspection, repair or project consultation, and replacement costs. Otherwise, the insurer has the right to re approved, by insurant causes loss could not be determined, the insurer shall not bear the liability of compensation.

Article nineteenthAccording to the loss of vehicle insurance, insurance compensation in accordance with the following provisions:

(a) total loss

Vehicle insurance occurred in all the losses, if the insured amount is higher than the actual value at the time of danger, calculated according to the actual value of compensation claim at the time of the. That is:

The actual value at the time of the accident insurance claims = vehicle accident rate x x x (1 - accident liability franchise) * (1 - absolute 免赔率) - deductible

Vehicle insurance occurred in all the losses, if the insured amount is equal to or lower than the actual value was calculated out, according to the amount of insurance compensation. That is:

Indemnity insurance amount x = liability ratio of X (1 - accident liability franchise) * (1 - absolute 免赔率) - deductible

(two) part of the loss

1 insurance amount insurance vehicle according to the insurance at the new car purchase price fixing, regardless of insurance amount is lower than the loss at the time of the new car to purchase price, partial loss compensation in accordance with the actual cost of repair. That is:

Indemnity = actual repair costs * accident liability ratio of X (1 - accident liability franchise) * (1 - absolute 免赔率) - deductible

2 insurance amount insurance vehicle is lower than the insured car purchase price, partial loss according to insurance amount and the insured car purchase price ratio calculation of compensation. That is:

Indemnity = actual repair costs * (the amount of insurance / new car to purchase price) × accident liability ratio of X (1 - accident liability franchise) * (1 - absolute 免赔率) - deductible

(three) the rescue expenses shall be calculated separately in the insurance vehicle amount of damages, the maximum not exceeding the insured amount.

The rescue of the property, a property not insured to the insurance contract, should be the actual value proportion according to the actual value of the vehicle at the time of the accident insurance of property allocation and labor expenses.

1 insurance amount insurance vehicle according to the insurance at the new car purchase price fixing, rescue cost formula:

Indemnity = actual expenses: * (actual value of vehicle insurance claim / rescue property total value) × accident liability ratio of X (1 - accident liability franchise) * (1 - absolute 免赔率) - deductible;

2 insurance amount insurance vehicle is lower than the insured car purchase price, cost of salvage by the insurance amount and new car to purchase price calculated the proportion of compensation, calculation formula is:

Indemnity = actual expenses: * (actual value of vehicle insurance claim / rescue property total value) * (the amount of insurance / new car to purchase price) × accident liability ratio of X (1 - accident liability franchise) * (1 - absolute 免赔率) - deductible.

Article twentiethInsurance for vehicles in use process and other motor vehicle collision insurance vehicle damage, should be by other motor vehicle compulsory insurance compensation, the insurer shall be deducted before, according to the proportion of liability accident insurance vehicle drivers are negative in the accident, responsible for compensation in accordance with the provisions of this contract.

Article twenty-firstThe residual part of the insurance vehicle insurance accident occurs after suffering the loss, the insurer and the insured negotiation process. If the discount to the insured, its value is determined by both parties through negotiation, and deduction in the indemnity.

Article twenty-secondThe following cases, the insurer to pay the indemnity, the automatic termination of this contract, the insurer does not return the vehicle damage insurance and additional insurance premium:

(a) the insured vehicle occurred in all the losses in the vehicle damage insurance responsibility;

(two) an indemnity insurer according to the vehicle damage insurance liability and the deductible amount and (not including treatment costs) is greater than or equal to the amount of insurance.

Article twenty-thirdWhen insurance accident happens, the insurance vehicle insurance, the insurer in accordance with the sum of insurance the insurance contract and the contract of insurance amount insurance amount proportional liability.

The amount of compensation to the insurer shall be liable for the other, the insurer is not liable to pay and pay the.

Article twenty-fourthThe insurance accident caused by damage to the vehicle third party insurance, the insurer to the insured compensation from the date, the amount of compensation scope subrogation insured indemnity against the third party rights, however, the insured shall provide necessary documents and relevant information of the known to the insurer.

The insured person has from the responsible party to obtain compensation, the insurer pays the insurance money, deduct the amount of compensation the insured has been made from the relevant responsible party.

After insurance accident happens, before the insured does not compensation insurance, the insured waives the right of indemnity to the responsible party, the insurer is not liable for damages; if the insured after compensation insurance, the Insured agrees to give up on the responsible party of compensation request right without insurance, the invalid; due to the insured intentionally or through gross negligence causes the insurer is unable to exercise the right of indemnity by subrogation, the insurer may be deducted or request the return of the corresponding insurance gold.

Article twenty-fifthThe occurrence of an insured accident can be chosen by the parties to the negotiation processing according to the provisions of the relevant laws and regulations, the insured shall notify the insurer, the insurer committed themselves to the insured or the payment of the amount has the right to re approved, and have the right to refuse compensation which could not be verified part.

Article twenty-sixthThe insurer accepts the report, field mapping, nuclear damage pricing, participate in litigation, to provide suggestions for insurance and related documents issued and the requirements of behavior, does not constitute the insurance liability for commitment.

The third chapter the whole vehicle pilfer

Insurance liability

Article 1In the insurance period, due to the following reasons caused the loss of vehicle insurance or reasonable expenses incurred, the insurer in accordance with the provisions of the insurance contract shall be responsible for the damages in the amount of insurance:

(a) the insured vehicle car theft, robbery, snatch, the public security departments at or above the county level investigation, did not find out the whereabouts of two months from the date of full after the case;

(two) in the whole car insurance car theft, robbery, robbery damage or cause the car parts, ancillary equipment lost the reasonable expenses needed to repair;

(three) in the whole car insurance vehicle robbery, snatch the process, by the reasonable expenses needed to repair damage.

Exemption from liability

Article secondThe causes of loss, the insurer shall not be liable for:

(a) the war, the military conflict, terrorism, violence;

(two) the loss caused by natural disaster insurance vehicle;

(three) by the intentional act insurers and members of their families or the driver or illegal behavior;

(four) the driver drinking or taking state control of psychotropic drugs or narcotics;

(five) insurance vehicle is fraud, seizure, fines, seizure or expropriation;

(six) for civil, economic disputes cause insurance of vehicle theft, robbery, snatch;

(seven) the lessee or tenant license insurance vehicle drivers and vehicle insurance at the same time missing.

Article thirdInsurance vehicle car theft, robbery, snatch, in any of the following circumstances, the insurer shall not be liable for compensation:

(a) unless otherwise agreed, by the traffic control department of the public security organ without insurance accident occurs when a valid driving license, license plate;

(two) the insured claims, failed to provide the motor vehicle stop procedures or loss at or above the county level public security criminal investigation department issued by the car registration certificate;

(three) insurance vehicle in a contest, inspection, repair, maintenance, custody, requisition, confiscation of period;

(four) transferred to another vehicle insurance, the insured, the transferee fails to perform the contract of insurance the second part "General Provisions" the provisions of article fifteenth of the obligation of notification, for the transfer of vehicle insurance risk leads to increased significantly and the occurrence of the insured event.

Article fourthThe losses, the insurer shall not be liable for:

(a) non car theft, robbery, snatch, only the car parts or ancillary equipment theft, robbery, damage;

(two) the new car factory outside the vehicle when the original configuration equipment loss;

(three) insurance car whole car was robbery, snatch, theft during caused personal injury or property damage to the car;

(four) suffered the loss of insurance coverage, without the necessary repair continue to use, so that the losses are part of the expansion;

(five) the market price changes caused by reducing the value of depreciation, repair the loss caused by.

Article fifthThe other is not within the scope of insurance liability losses and costs, the insurer shall not be liable for.

Insurance amount

Article SixthThe insured amount by the insurer and the insured consultation in the actual value determined in the vehicle insurance.

When the actual value is higher than the purchase a car insurance car invoice, purchase a car invoice amount to determine insurance amount.

Treatment of claim

Article seventhThe insured the claim to the insurer, shall provide the following materials:

(a) insurance policy;

(two) were valid identity insurance proof; the insured and the owners do not agree, should provide proven insurer and owner relations;

(three) the driving license, motor vehicle registration certificate, motor vehicle driving permit, purchase a car vehicle origin certificate invoices, proof of vehicle purchase tax payment or tax exemption certificate, the car keys;

(four) a receipt of the report, cases unsolved and vehicle not found proof, stop that road maintenance fees;

(five) the management of vehicles have been under criminal investigation department provided, recorded in the computer registration system, and stop for the insurance vehicle registration certificate;

(six) the other to confirm the property of insurance accident, reason, loss and other material relevant to.

Article eighthWhen insurance accident occurs, the insured has no insurable interest in the insured vehicle, shall not claim for compensation to the insurer.

Article ninthInsurance vehicle article 1 of this Clause (a) the provisions of insurance accident, the insurance compensation 20% tax deductible franchise.

Article tenthInsurance vehicle car theft, robbery, snatch, the insured can not provide the motor vehicle registration certificate, motor vehicle driving permit, purchase a car vehicle origin certificate invoices, proof of vehicle purchase tax payment or tax exemption certificate, each missing a, another 0.5% increase in the absolute 免赔率; insurance car whole car was stolen, full set key, wife of the missing, the other 5% increase in the absolute 免赔率.

Article eleventhWhen insurance accident happens, the insurance of vehicle real driving area beyond the scope of insurance, 10% increase in the absolute 免赔率.

Article twelfthThe insured may specify the driver or not specified in people driving the insured, and to implement the corresponding rate.

Designated driver, the insured shall truthfully inform the designated driver related information, including name, gender, age, driving, quasi driving type, first get a driver's license, identity card or other valid certificate number etc..

The designated insurance vehicle drivers, by non designated driving insurance vehicle insurance accident occurs, the specified driver or the insured person to provide information is not true, for a 5% increase in the absolute 免赔率.

Article thirteenthInsurance vehicle article 1 of this Clause (a) the provisions of insurance accident, the insured in accordance with the following provisions for compensation:

(a) the actual value of insurance amount insurance vehicle than be or get out of danger:

The actual value at the time of the accident insurance claims = vehicle * (1 - deductible franchise)

(two) the actual value of the insured amount insured vehicle is equal to or lower than at the time of the accident:

Indemnity insurance amount x = (1 - deductible franchise)

Article fourteenthInsurance vehicle article 1 of this Clause (two), (three) the provisions of the insurance accident need repair, the insurer according to the actual cost of repair in the insurance compensation. Repair of the insured person shall be jointly with the insurer inspection insurance vehicle damage, repair or project consultation, and replacement costs. Otherwise, the insurer has the right to re approved, by insurant causes loss could not be determined, the insurer shall not bear the liability of compensation.

Article fifteenthInsurance car whole car was stolen, robbed, robbed, the insured to obtain compensation, should be signed with the rights of transfer.

Article sixteenthWhen insurance accident happens, the insurance vehicle insurance, the insurer in accordance with the sum of the contract amount of insurance and the insurance contract the insured amount of the liability ratio.

The amount of compensation to the insurer shall be liable for the other, the insurer is not liable to pay and pay the.

Article seventeenthThe insurer accepts the report, field mapping, nuclear damage pricing, participate in litigation, to provide suggestions for insurance and related documents issued and the requirements of behavior, does not constitute the insurance liability for commitment.

Article eighteenthInsurance vehicle car theft, robbery, robbery back:

(a) if the insurer has not paid the insurance compensation corresponding to the insured, the insurance vehicle insurance all, people do not have to comply with the terms and conditions shall be liable for compensation first;

(two) if the insured has paid the insurance indemnity accordingly, insurance vehicle can be insured, but the insured shall return the insurance indemnity accordingly; if the insured person is not willing to accept insurance vehicle insurance, vehicle ownership of the insurer, the insured shall assist in handling the relevant formalities for registration.

Article nineteenthThe following cases, the insurer to pay the indemnity, the automatic termination of this contract, the insurer is not refund the whole vehicle pilfer and additional insurance premium:

(a) total loss insurance daochengjian vehicles insurance responsibility in the whole car;

(two) the insurer according to the whole car pilfer an indemnity and insurance liability and the deductible amount and (not including treatment costs) is greater than or equal to the amount of insurance.

The fourth chapter passenger liability insurance

Insurance liability

Article 1In the insurance period, the legal driving the insured and permitted accidents in the use of insurance in the insurance vehicle vehicle, personnel on the car suffered casualties, according to the law by the economic liability to indemnify the insured, the insurer in accordance with the provisions of the insurance contract for compensation.

Exemption from liability

Article secondThe accident caused by the following reasons, the insurer shall not be liable for:

(a) the earthquake and its secondary disasters;

(two) the war, the military conflict, terrorism, riots, seizure, confiscation, seizure, requisition by government;

(three) nuclear reaction, nuclear pollution, nuclear radiation;

(four) the victim and the insured person or the driver of the malicious collusion.

Article thirdWhen accident occurs, the insurance vehicle in any of the following circumstances, the insurer shall not be liable for compensation:

(a) unless otherwise agreed, by the traffic control department of the public security organ without insurance accident occurs when a valid driving license, license plate, or temporary plate or temporary mobile card;

(two) no motor vehicle safety and technical inspection or testing within the period of inspection did not pass;

(three) insurance vehicle in a contest, inspection, repair, maintenance, custody, requisition, confiscation, the whole car was theft, robbery, snatch during;

(four) traction other uninsured vehicles or traction is the type of vehicle;

(five) transferred to another vehicle insurance, the insured, the transferee fails to perform the contract of insurance the second part "General Provisions" the provisions of article fifteenth of the obligation of notification, for the transfer of vehicle insurance risk leads to increased significantly and the occurrence of the insured event.

Article fourthWhen accident occurs, the driver in any of the following circumstances, the insurer shall not be liable for compensation:

(a) not lawfully obtained a motor vehicle driving license, the inconsistent provisions did not check the driving license, driving and driving license;

(two) the driver in the driving license is lost, damaged, expired or been detained in accordance with the law, detained or score reached 12 points, still driving a motor vehicle;

(three) learning driving without a coach with the vehicle guidance;

(four) the motor vehicle driver training period containing explosives, inflammable or explosive chemicals, toxic or radioactive and other dangerous goods, or driving motor vehicles towing trailers;

(five) drinking or taking state control of psychotropic drugs or narcotics;

(six) without the consent of the insured or allowed to drive;

(seven) engaged in criminal activities by the insured vehicle;

(eight) after the accident, the insured person or the driver fails to take measures in case of vehicle driving insurance or abandoned insurance car fled the scene of the accident, or vandalism, falsifies the scene, destroy evidence;

(nine) according to the traffic management departments of public security organs or the relevant provisions of laws and regulations do not allow the other driver under the driving of vehicle insurance.

Article fifthThe losses, the insurer shall not be liable for:

(a) because of regulations on causing casualties;

(two) is caused by the intentional act of the insured or the driver casualties;

(three) is caused by the intentional act the other car insurance and driving the staff own casualties;

(four) the board staff due to illness, childbirth, self mutilation, fighting, Dutch act, criminal behavior caused by their own casualties;

(five) the personnel on the car in the car when the person casualties;

(six) insurance vehicle plundered during the robbery, causing casualties;

(seven) any mental damage insurance accident compensation;

(eight) should be made compulsory insurance compensation for the losses and expenses;

(nine) according to the insurance franchise calculation of the insured shall bear part of the.

Article SixthThe other is not within the scope of insurance liability losses and costs, the insurer shall not be liable for.

Limit of indemnity

Article seventhThis insurance according to different seats, divided into the driver's seat and the passenger seat. The passenger seat according to the ratified number of passenger vehicle insurance (except to determine the driver's seat). The driver and passenger seat a maximum compensation limit the maximum compensation limit per seat by the insurer and the insured when the insurance is determined in consultation.

Treatment of claim

Article eighthThe insured claims, shall provide to the insurer:

(a) insurance policy;

(two) were valid identity the insurer and the personnel on the car, insurance proof of vehicle driving license, driving license;

(three) issued by the traffic control department of the public security organs issued by the traffic accident responsibility confirmation or institutions such as courts of the relevant legal documents and other evidence;

(four) the personnel on the car body disability certificate and related expenses documents;

(five) the other to confirm the property of insurance accident, reason, loss and other material relevant to.

Article ninthWhen insurance accident occurs, the insured has no insurable interest in the insured vehicle, shall not claim for compensation to the insurer.

Article tenthVehicle road traffic accident insurance, the insurer according to the proportion of liability accident drivers have corresponding negative in the traffic accident liability.

The traffic control department of the public security organ to deal with the accident did not determine the proportion of accidents, determine the proportion of accidents in accordance with the following provisions:

The insurance side of the vehicle to take full responsibility of the accident, the proportion of responsibility for the accident is not more than 100%;

The insurance side of the vehicle to bear the main responsibility for the accident, the proportion of responsibility for the accident is not more than 70%;

The negative equivalent accident liability insurance accident vehicle, ratio of not more than 50%;

Negative secondary liability insurance in the vehicle, the proportion of responsibility for the accident is not more than 30%;

The vehicle without accident liability insurance, the insurer shall not be liable for.

Article eleventhAccording to the proportion of liability accident drivers have negative in the traffic accident, this insurance shall be responsible for the accident corresponding: franchise deductible 15% negative total liability, deductible 10% primary responsibility, equal responsibility for the negative 8% franchise, franchise 5% negative secondary responsibility. The accident responsibility unilaterally accident franchise for 15%.

Article twelfthWhen insurance accident happens, the insurance of vehicle real driving area beyond the scope of insurance, the implementation of 10% absolute 免赔率.

Article thirteenthThe insured may specify the driver or not specified in people driving the insured, and to implement the corresponding rate.

Designated driver, the insured shall truthfully inform the designated driver related information, including name, gender, age, driving, quasi driving type, first get a driver's license, identity card or other valid certificate number etc..

The designated insurance vehicle drivers, by non designated driving insurance vehicle insurance accident occurs, the specified driver or the insured person to provide information is not true, for a 10% increase in the absolute 免赔率.

Article fourteenthBecause of the insurance accident caused the car personnel casualty, without the written consent of the insurer, the insured to promise or pay the amount of compensation, the insurer has the right to re approved. Does not belong to the scope of compensation to the insurer or the insurer should exceed the indemnity, the insurer is not liable for compensation.

Article fifteenthAfter insurance accident happens, the insurer in accordance with the provisions of the scope of compensation, the relevant national laws and regulations and standards as well as the insurance contract, and calculate the amount of compensation according to the health administrative department of the State Council shall organize the formulation of traffic accident personnel trauma clinical guidelines and national basic medical insurance standard. The amount of compensation does not exceed the specified driver in the driver's seat of policy, the maximum compensation limit, the amount of compensation for each passenger shall not exceed the policy stated maximum compensation limit per passenger seat, the maximum compensation shall be limited to the insured seat number.

Article sixteenthOccurrence of car personnel casualties, the insurance according to the following method to calculate the amount of compensation the personnel on the car:

(a) when the amount of compensation to the insured according to the proportion of accidents should be higher than the compensation limit:

A limit of indemnity claims = x (1 - accident liability franchise) * (1 - deductible franchise)

(two) when the amount of compensation to the insured according to the proportion of accidents should be equal to or lower than the compensation limit:

Claims for compensation amount x = (1 accident liability of franchise) * (1 - deductible franchise)

Article seventeenthInsurance vehicle and other motor vehicles in use process caused by collision of the vehicle on the personnel casualty, should be by other motor vehicle compulsory insurance compensation, the insurer shall be deducted before, according to the proportion of liability accident insurance vehicle drivers are negative in the accident, responsible for compensation in accordance with the provisions of this contract.

Article eighteenthWhen insurance accident happens, if the insured losses in the same security of other insurance under can also obtain the compensation, the insured in accordance with the sum of the compensation limit the insurance contract for a limit of compensation and other insurance contract and the contract of the proportion of the liabilities of compensation.

The amount of compensation to the insurer shall be liable for the other, the insurer is not liable to pay and pay the.

Article nineteenthThe insurer and the insured amount of compensation and compensation is determined in consultation after the trial, the victim and the same accident claim for compensation to the insured, the insurer shall not be liable for.

Article twentiethThe insured to obtain the compensation, the insurance contract shall continue to be valid, expired until the period of insurance.

Article twenty-firstThe insurer accepts the report, field mapping, nuclear damage pricing, participate in litigation, to provide suggestions for insurance and related documents issued and the requirements of behavior, does not constitute the insurance liability for commitment.

The second part is the general terms

During the period of insurance

Article 1Unless otherwise agreed, during the period of this contract for a period of one year of insurance.

Article secondThe insurance period is less than one year of land premium calculated on pro rata daily basis.

The insurer obligation

Article thirdThe insurer's underwriting, shall apply to the insured that liability insurance, liability insurance, compensation from processing, period of insurance, insurance and payment, the insurer and the insured obligations.

Article fourthThe insurer shall timely accept by accident report of the insurer, and the survey as soon as possible.

In 48 hours the insurer after receiving the report, because the insurer is not timely investigation and reason not to accept the advice, causing the loss of property could not be determined, damage, loss, accident certificate photos list and repair invoices as compensation adjustment according to provide the insured property.

Article fifthInsurance receipt of the insured's claim, shall timely make approved.

(a) the insurer shall, according to the nature of the accident loss situation, timely to be provided for the insurer claims; claim that audit material evidence and materials related to the incomplete, it shall timely notify the insured one-time additional relevant proofs and materials.

(two) the insured to provide the necessary documents, the insurer shall promptly review, and verification results inform the insured; complex, should make the verification within thirty days, unless otherwise stipulated in the contract.

(three) belonging to the insurance liability, the insurer shall in a compensation agreement with the insured person within 10 days after the payment, the compensation period insurance contract has an agreement, the insurer shall fulfill the obligations agreed compensation insurance.

(four) does not belong to the insurance liability, the insurer shall be approved within three days from the date of the insured denied compensation issued notices is made, and explain the reasons.

(five) the insurer within sixty days from receiving compensation insurance claims and related evidence, the date information, determine the amount of compensation insurance can not, should be determined by the evidence and data amount to pay compensation to the insurer; insurance amount is finalized, should pay the corresponding the difference.

Article SixthThe insurer of understanding in handling insurance business of the insured, the insured business and property and personal privacy, confidentiality obligations.

The insured, the insured obligations

Article seventhThe applicant, shall truthfully fill in the application form, disclosure of important matters to the insurer, and provide insurance vehicle certificate, motor vehicle registration certificate copy, such as the designated driver, should also provide the designated driver's license copy of driver. The insured intentionally conceals facts, does not perform the duty of disclosure, the insurer has the right to terminate the contract according to the legal provisions do not bear the responsibility for compensation.

Article eighthIn addition to the insurance contract, the insured shall pay the insurance premium when the insurance contract is established once. Occurrence of insurance Jiaoqing before the insurance accident, the insurer shall not assume insurance responsibility.

Article ninthIn the insurance period, insurance vehicle from modifying, adding, to change the use of lead to significant risk increase, it shall timely notify the insurer, the insurer may increase the insurance premium or to terminate the contract. If the insured fails to fulfill the obligation of notification, due to significant risk increase of vehicle insurance accident insurance, the insurer shall not be liable for.

Article tenthThe insured and the driver shall do the insurance vehicle maintenance, maintenance work, and in accordance with the provisions of the test; the insurance vehicle loading must comply with the relevant provisions of the motor vehicle loading of the laws and regulations, so as to maintain the driving safety state; the insured and the driver should according to the underwriter is proposed to eliminate unsafe factors and risks suggestions, promptly take appropriate corrective measures. The insured fails to fulfill its should do the insurance vehicle safety responsibility, the insurer has the right to demand for increase in the insurance premium or to terminate the insurance contract.

Article eleventhThe occurrence of the insured event, the insured shall timely take reasonable, necessary rescue and protection measures, to avoid or minimize the loss, and timely in the insurance after the accident (48 hours) to notify the insurer. Intentionally or through gross negligence is not timely notice, the property of insurance accident, reason, the extent of the loss is difficult to be determined, the insurer to determine the part, not to undertake the compensation responsibility, but the insurer through other channels have to know or should know in time except insurance accident.

Article twelfthThe insured for claims, should be submitted to prove that the cause of the accident, nature, responsibility and loss of written materials to the insurer. The insured claims shall not conceal the fact, forged documents, manufacturing Jiaan fraud. The insured fails to provide the relevant materials, leading to the insurer is unable to verify the authenticity of the materials and records of the content, the insurer of unable to verify the part without compensation.

Article thirteenthOccurrence and insurance related arbitration or litigation, the insured shall notify the insurer in writing promptly. If the insured fails to notify the insurer to the insurer cannot timely defense caused by the loss, the insurer shall not be liable for.

Other matters

Article fourteenthThe insured shall not be suspended because of vehicle insurance, into the factory repair or missing and application fee reduction or to extend the period of insurance.

Article fifteenthIn the insurance period, insurance vehicle transfer to others, the insured or the assignee shall timely notify the insurer in writing and to revise procedures.

Because the insurance vehicle insurance risk transfer lead vehicle significantly increased, the insurer within thirty days from receiving notice of the provisions of the preceding paragraph, can increase the insurance premium or to terminate the contract.

Article sixteenthBefore the commencement of the insurance liability, the applicant requests the termination of the contract, the insurer to return the insurance premium, and deduct the fee in accordance with the relevant provisions of the "insurance law" of the people's Republic of China, the fee for the insurance premium of three percent.

Article seventeenthAfter the commencement of the insurance liability, the applicant requests the termination of the contract, or the insurer in accordance with the relevant provisions of the "insurance law" of the people's Republic of China of cancelling the contract, the insurer in accordance with the daily rate of income from the commencement of the insurance liability to the date of termination of the contract the date of the period of insurance, the rest returned to the insured.

Article eighteenthThe insurant demands the termination of the insurance contract, the contract shall receive the insured insurance application, lift. The insurer to terminate the insurance contract, the applicant will be notified 15 days in advance notice to terminate the insurance contract, the applicant 15 days after delivery, the contract shall automatically terminate.

Dispute settlement

Article nineteenthDue to the performance of the insurance contract disputes, settled by the parties through consultation. If no agreement is reached through consultation, to submit to arbitration agency of insurance stated. The insurance policy does not specify an arbitration body or a dispute after the failed to reach an arbitration agreement, to a people's court according to law.

The third part additional risks

Broken glass separate clauses

Article 1The scope of insurance

This insurance is the additional risk loss of vehicle insurance, the vehicle has insured the vehicle damage insurance can be insured the additional risks.

Article secondInsurance liability

In the insurance period, insurance vehicles in use process, the car windscreen or glass window alone and broken, the insured according to the actual loss compensation.

The insured on the basis of consultation and the insurer, the will to import or domestic glass choose insured, the insurer shall bear the corresponding liability according to their choice of insurance.

Article thirdExemption from liability

The loss of vehicle insurance, the insurer shall not be liable for:

(a) lamps, car mirror glass broken;

(two) crushing installation, repair of vehicles caused by the process of glass.

Body scratch damage insurance clause

Article 1The scope of insurance

This insurance is the additional risk loss of vehicle insurance, the vehicle has insured the vehicle damage insurance can be insured the additional risks.

Article secondInsurance liability

In the insurance period, insurance vehicle body surface without obvious traces of paint separate collision scratch, the insurer according to the provisions of this contract according to the actual loss compensation.

Article thirdExemption from liability

The loss of vehicle insurance, the insurer shall not be liable for:

(a) by the intentional act the insurer or the driver caused the loss of vehicle insurance;

(two) and others because of the insured person or the driver and members of their families and civil, economic disputes caused the loss of vehicle insurance;

(three) the natural aging of the body surface, damage;

(four) the other does not belong to the scope of insurance liability losses and expenses.

Article fourthTreatment of claim

(a) the insurance compensation are carried out every 15% absolute 免赔率;

(two) in the insurance period, insurance compensation amount accumulative total compensation limit, this additional insurance termination.

Spontaneous loss clause

Article 1The scope of insurance

This insurance is the additional risk loss of vehicle insurance, the vehicle has insured the vehicle damage insurance can be insured the additional risks.

Article secondInsurance liability

In the insurance period, insurance vehicles in use process, because the vehicle electrical appliances, circuit, circuit, fuel supply system, air supply system, air their problems, vehicle running friction fire caused the fire, caused the loss of vehicle insurance, and the insured in the event of the insurance accident, in order to reduce the loss of vehicle insurance expenditure necessary and reasonable expenses:, the insurer is responsible for compensation.

Article thirdExemption from liability

The losses, the insurer shall not be liable for:

(a) the insured vehicle insurance in use process, because of violation of the rules of safe operation of the vehicle artificial direct supply, high temperature baking losses;

(two) for spontaneous combustion caused only electrical appliances, circuit, circuit, fuel supply system, air supply system losses;

(three) cargo loss;

(four) by the intentional act the insurer or illegal behavior caused the loss of vehicle insurance.

Article fourthInsurance amount

The amount of insurance the insurance by the applicant and the insurer consultation in the actual value insurance vehicle to determine.

Article fifthTreatment of claim

(a) in the insurance amount insurance stated in calculation of compensation, according to the actual loss of vehicle insurance;

(two) the insurance compensation are carried out every 20% absolute 免赔率.

The vehicle to stop loss insurance clause

Article 1The scope of insurance

This insurance is the additional risk loss of vehicle insurance, the vehicle has insured the vehicle damage insurance can be insured the additional risks.

Article secondInsurance liability

In the insurance period, insurance vehicles in use process, due to the vehicle damage insurance listed in Article 1 of the insurance accident, cause body damage, the insurance vehicle into the factory repair, caused the vehicle to stop loss insurance, insurance according to the stipulations of the contract of insurance indemnity responsibility compensation at.

Article thirdExemption from liability

The insurer shall not be liable for stop loss:

(a) the vehicle was confiscated, seizure, attachment loss during;

(two) for vehicle repair quality requirements, cause rework loss during;

(three) other additional risks under the insurance accident loss to stop vehicles.

Article fourthLimit of indemnity

On the amount of compensation limit of indemnity to the insured and the insurance premium when the contract compensation days multiplied by agreement shall prevail, but the insurance contract of the maximum compensation for 90 days.

Article fifthTreatment of claim

(a) in the insurance period, accumulated compensation days, days cumulative compensation is limited to the maximum compensation days of insurance;

(two) part of the loss, in the repair time as agreed by both parties, according to insurance, compensation amount multiplied by the repair and handle the delivery procedures date to repair and deal with the actual number of days the car handling date of calculation of compensation;

(three) the total loss, calculation of compensation according to the highest number of insurance compensation;

(four) the accident insurance every time the absolute deductible for the amount of compensation for a day.

Vehicle charges clause

Article 1The scope of insurance

This insurance is the additional risk loss of vehicle insurance, the vehicle has insured the vehicle damage insurance can be insured the additional risks.

Article secondInsurance liability

In the insurance period, insurance vehicles in use process, due to the vehicle damage insurance listed in Article 1 of the insurance accident, cause body damage, the insurance vehicle into the garage, the insured need to rent the vehicle expense, insurance according to the stipulations of the contract of insurance in the compensation limit for compensation.

Article thirdExemption from liability

The insurer shall not be liable for stop loss:

(a) the vehicle was confiscated, seized, seized during the vehicle expense;

(two) for vehicle repair quality requirements, cause rework during the vehicle expense;

(three) other additional risks under the insurance accident need rental costs.

Article fourthLimit of indemnity

On the amount of compensation limit of indemnity to the insured and the insurance premium when the contract compensation days multiplied by agreement shall prevail, but the insurance contract of the maximum compensation for 30 days.

Article fifthTreatment of claim

(a) the insured to the insurer for the loss, shall provide to the insurer:

1 insurance policy;

2 is a valid identity certificate, insurance insured vehicle driving license, driving license;

Issued by the traffic control department of the public security organs issued 3 traffic accident responsibility confirmation or institutions such as courts of the relevant legal documents and other evidence;

4 the insured according to the provisions of relevant laws and regulations to choose negotiation way of handling traffic accident shall be provided in accordance with the "situation, the traffic accident traffic accident management procedures" provisions of the agreement;

5 is the bill insurance rented vehicle.

(two) in the insurance period, accumulated compensation days, days cumulative compensation is limited to the maximum compensation days of insurance;

(three) part of the loss, in the repair time as agreed by both parties, according to insurance, compensation amount multiplied by the repair and handle the delivery procedures date to repair and deal with the actual number of days the car handling date of calculation of compensation;

(four) the total loss, calculation of compensation according to the highest number of insurance compensation;

(five) the accident insurance every time the absolute deductible for the amount of compensation for a day.

New equipment loss clause

Article 1The scope of insurance

This insurance is the additional risk loss of vehicle insurance, the vehicle has insured the vehicle damage insurance can be insured the additional risks.

Article secondInsurance liability

In the insurance period, insurance vehicles in use process, loss of a vehicle insurance first listed insurance accident, causing direct damage to the car new equipment, proportional liability accident insurance according to the insurance vehicle drivers are negative in the accident, the amount of insurance in the insurance of the project contained within the scope of compensation.

Article thirdInsurance amount

The amount of insurance in the insured to add new equipment and equipment purchase price.

Article fourthTreatment of claim

(a) the insured vehicle in use process and other motor vehicle collision insurance vehicle damage, should be by other motor vehicle compulsory insurance compensation, the insurer shall be deducted before, according to the proportion of liability accident insurance vehicle drivers are negative in the accident, responsible for compensation in accordance with the provisions of this contract.

(two) according to the proportion of accident liability insurance vehicle drivers are negative in the traffic accident, the new device to increase the risk of loss compensation in accordance with the provisions of the amount in accident responsibility deductible franchise: 15% responsible, deductible 10% primary responsibility, equal responsibility for the negative 8% franchise, franchise 5% negative secondary responsibility. The accident responsibility unilaterally accident franchise for 15%. According to the main risk agreement applicable deductible franchise.

Article fifthOther matters

New equipment of the insurance refers to insurance, is refers to the vehicle factory outside the equipment, the insured for additional installation of equipment and facilities. For this insurance, shall specify the car new equipment schedule and price.

Cargo liability insurance clauses

Article 1The scope of insurance

This insurance are additional risks the commercial third party liability insurance, has the vehicle insured commercial third party liability insurance can be insured the additional risks.

Article secondInsurance liability

In the insurance period, insurance vehicle accidents in the use process, the insurance vehicle cargo from damage, in accordance with the law shall bear the liability for the economy of the insured liability accident insurance, the proportion of according to insurance vehicle drivers are negative in the accident, responsible for compensation in the limit of liability insurance stated in.

Article thirdExemption from liability

(a) because of the following reasons caused the loss, the insurer shall not be liable for:

1 of the goods and looting, natural wastage, defects, shortage, death, decay, deterioration;

2 illegal carrying or because of poor packing, loading, cover fastening, improper;

Cargo private goods or illegal 3 personnel on the car carrying the;

4 because the brake intentional act, the driver of a vehicle emergency insurance.

(two) the other is not within the scope of insurance liability losses and costs, the insurer shall not be liable for.

Article fourthLimit of indemnity

The insurance of the maximum compensation limit by the insurer and the insured when the insurance is determined in consultation.

Article fifthTreatment of claim

(a) the cargo occurred within the scope of insurance liability insurance losses, according to fob price in compensation within the limit for compensation;

(two) the insured vehicle collision with other vehicles in use process, the insurance vehicle cargo from damage, should be by other motor vehicle compulsory insurance compensation, the insurer shall be deducted before, according to the proportion of liability accident insurance vehicle drivers are negative in the accident, responsible for compensation in accordance with the provisions of this contract.

(three) according to the proportion of accident liability insurance vehicle drivers are negative in the accident, the car cargo liability insurance compensation in accordance with the provisions of the amount in accident responsibility deductible franchise: 20% responsible, deductible 15% primary responsibility, equal responsibility deductible 10% negative, 5% franchise negative secondary responsibility. The accident responsibility unilaterally accident franchise for 20%. And according to the commercial third party liability insurance contract applicable deductible franchise.

Vehicle cargo liability insurance clauses

Article 1The scope of insurance

This insurance are additional risks the commercial third party liability insurance, has the vehicle insured commercial third party liability insurance can be insured the additional risks.

Article secondInsurance liability

In the insurance period, insurance vehicles in use process, direct damage to the cargo from the car drop causes the third suffers from a personal injury or property, in accordance with the law shall bear the liability for the economy of the insured, insurer after deducting the compulsory insurance should be compensation, according to calculation of damages in compensation limits specified by the policy within the provisions of the contract.

Article thirdExemption from liability

(a) the following losses, the insurer shall not be liable for:

1 the insured person or the driver and their family members, human casualties, property loss;

Gas, contained 2 driver deliberately act or car liquid leakage caused by the loss of;

3 loading and unloading of goods caused by the loss of.

(two) should be made compulsory insurance compensation for loss and expense, the insurer shall not be liable for.

Article fourthLimit of indemnity

The insurance compensation limit when the accident by the insurer and the insured when the insurance is determined in consultation.

Article fifthTreatment of claim

The insurance compensation are carried out every 20% absolute 免赔率.

The traffic accident compensation for spiritual damages clause

Article 1The scope of insurance

This insurance are additional risks the commercial third party liability insurance and the vehicle officers liability insurance, insured commercial third party liability insurance or the side of the vehicle to vehicle liability insurance can be insured the additional risks.

Article secondInsurance liability

In the insurance period, insurance vehicles in use process, because of a traffic accident, resulting in third disability, death or pregnant women, abortion, claim compensation for mental damages the aggrieved party hereby put forward, the spirit damage in accordance with the court shall be borne by the insurer's liability insurance, after deducting the cross strong insurance shall compensate part then, according to the terms of this contract for compensation in compensation within the limit.

In the insurance period, insurance vehicle accidents in the use process, the personnel on the car's disability, death or accidental abortion of pregnant women, claim compensation for mental damages the aggrieved party hereby put forward, the spirit damage in accordance with the court shall be borne by the insurer's liability, the insurer according to the terms of this contract for compensation in damages within the quota.

Article thirdExemption from liability

(a) in the case of compensation for spiritual damage, assume by insurant, the insurer shall not be liable for:

1 driver no fault in the traffic accident;

2 insurance vehicle without collision accidents, only by the panic caused casualties, third or the car behavior caused by improper disability, death or accidental abortion of pregnant women;

Mental distress of the 3 court mediation book to determine by the insured person undertake compensation;

4 other does not belong to the scope of insurance liability losses and expenses.

(two) shall be made by the strong insurance to pay the amount of compensation, the insurer shall not be liable for.

Article fourthLimit of indemnity

The insurance of accident every time a maximum compensation limit by the insurers and the insured when the insurance is determined in consultation.

Article fifthTreatment of claim

(a) the provisions of compensation for spiritual damages according to the people's court shall be responsible for the traffic accident responsibility person's decision and the insurance contract, the insurer shall include in the calculation of compensation insurance the insurance indemnity;

(two) base separately insured commercial third party liability insurance on insurance additional risks, responsible for compensation insurance only on third of the mental damage; foundation alone against the car personnel liability insurance is the insurance additional risks, the insurer is only responsible for the personnel on the car the spirit damage; at the same time based insurance business third party liability insurance and liability of the personnel on the car insurance on additional risk, responsible for compensation for mental damage to the third party and the personnel on the car insurer.

(three) the insurance compensation are carried out every 20% absolute 免赔率.

The whole car robbery additional Golf theft insurance clause

Article 1The scope of insurance

This insurance are additional risks whole vehicle pilfer, has covered the whole vehicle pilfer 10 seat the following non operation of passenger can purchase this additional risks.

Article secondInsurance liability

In the period of insurance, the insured deposit insurance vehicle Golf and the insured vehicle also suffer from theft and robbery, snatch, and vehicle theft recovered after the ball is lost, the insurer shall bear the responsibility for compensation.

Article thirdExemption from liability

Placed in the vehicle insurance in golf the losses, the insurer shall not be liable for:

(a) non full car robbery, only the car Golf alone is theft and robbery, snatch;

(two) Golf partial loss;

(three) the other does not belong to the scope of vehicles stolen rescue responsibility causes the ball with loss.

Article fourthInsurance amount

The amount of insurance the insurance is divided into 5000 yuan, 10000 yuan, 15000 yuan and 20000 yuan in four grades, the insurer and the insured in the insurance consultation.

Article fifthTreatment of claim

(a) this insurance shall be 20% of the deductible franchise.

(two) the insured in the insurance period for a time limit, and the whole vehicle pilfer also claims.

With the car luggage loss clause

Article 1The scope of insurance

This insurance is the additional risk loss of vehicle insurance, the vehicle has insured the vehicle damage insurance can be insured the additional risks.

Article secondInsurance liability

In the insurance period, insurance vehicles in use process, loss of a vehicle insurance accident, causing direct damage to baggage carried by a vehicle, limit compensation insurer stipulated in the insurance policy of the project, according to the insurance vehicle driver in the accident the negative accident responsibility proportion, bear corresponding responsibility for compensation the.

Article thirdExemption from liability

(a) the following property losses, the insurer shall not be liable for:

1 gold and silver jewelry, diamonds, and products, jade, crystal products, jewelry, coins, antiques, calligraphy and painting, stamps, art, rare metals, precious possessions;

The 2 currencies, securities, bills, documents, books, books, charts, information technology, computer information, guns and ammunition and cannot identify the value of the goods;

3 telephone, television, audio-visual equipment and products, computer and software;

Contraband goods, flammable, explosive and 4 state expressly and other dangerous goods;

5 animal, plant;

6 for the goods or samples of commercial and trade purposes.

(two) luggage items lost, theft, robbery, snatch, and lost, theft, robbery, snatch the damage, the company shall not be liable for compensation.

(three) luggage loss must be strong insurance to pay the amount of compensation, the insurer shall not be liable for.

Article fourthLimit of indemnity

This additional insurance indemnity by the insurer and the insured when the insurance through consultation, and shall be stated in the insurance policy.

Article fifthTreatment of claim

(a) the insured to the insurer for claims, losses in the value of the goods should provide proof of relevant credentials and debris and other and confirm the property of insurance accident, reason, loss and other material relevant to;

(two) the insured vehicle in use process and other motor vehicle collision directly damaged luggage carried by the car, to be made by other motor vehicle compulsory insurance compensation, the insurer shall be deducted before, according to the proportion of liability accident insurance vehicle drivers are negative in the accident, responsible for compensation in accordance with the the provisions of this contract.

(three) in the insurance period, payment amount accumulative total insurance policy as the additional insurance indemnity limit, this additional insurance termination.

Insurance accident attached fee loss clause

Article 1The scope of insurance

This insurance are additional risks commercial third party liability insurance and loss of vehicle insurance, vehicle insurance has been the commercial third party liability insurance, the vehicle damage insurance can be insured the additional risks.

Article secondInsurance liability

In the insurance period, insurance vehicle loss of driving ability when the insurance accident insurance policy issued by the place of the vehicle damage insurance within the scope of insurance liability insurance after, in the limit of compensation pursuant to this clause of the insured and the actual extra accommodation, traffic fee compensation.

The special clause "loss of driving ability refers to the insured vehicle is damaged due to loss of vehicle insurance accident insurance, without traction, lifting cannot move the situation.

Article thirdLimit of indemnity

In the period of insurance, the sum of the amount of compensation insurance on the basis of the provisions of the preceding paragraph shall bear no more than aggregate limit of indemnity insurance - Ming; the amount of compensation for each insured shall not exceed each accident compensation insurance that limit state.

Article fourthTreatment of claim

The insured the claim to the insurer shall provide the original bill corresponding, bill shall specify the matters (including: time, place, name) should occur insurance accident loss of time, location and vehicle match.

Fasten the safety belt compensation special clauses

Article 1The scope of insurance

This insurance is additional insurance liability of the personnel on the car, have the vehicle insurance liability of the personnel on the car can be special risks insurance.

Article secondInsurance liability

In the insurance period, insurance vehicle passenger liability insurance liability within the scope of the insured vehicle accident, personnel on the car if the accident safety belt, the personnel on the car's death or according to the "injured in road traffic accident assessment" (the national standard of the people's Republic of China (GB18667-2002)) economic compensation responsibility assessment for the level of disability, the insurer according to the contract agreed standards to increase the limit of indemnity.

Specify the specialized factory warranties

Article 1The scope of insurance

This insurance is the additional risk loss of vehicle insurance, the vehicle has insured the vehicle damage insurance can be insured the additional risks.

Article secondThe applicant did not choose this clause in insurance, loss of a vehicle insurance after the accident, because the insurance vehicle insurance accident damage, the repair shall be in accordance with the provisions of the main clause, by consulting the insurer and the insured to determine mode and the cost of the repairs.

The insured the clause in insurance, and increase the payment of the special provisions of the insurance fee, loss of a vehicle insurance after the accident, the insured may choose has the insurance vehicle specialized qualified repair factory repair.

Many accidents deductible clause

Article 1The scope of insurance

This insurance is the additional risk loss of vehicle insurance, the vehicle has been insured loss of vehicle insurance is insurance special risks.

Article secondChoose to apply the multiple accident deductible clause, insurance vehicle insurance accident occurred three times and above in the insurance period (except for natural disasters caused by the accident, the responsibility in the accident) based on absolute franchise, franchise from third insurance accident begin each increase of 5%, but not more than 25% of the cumulative increase.

Article thirdChoose to apply the multiple accident deductible clause, give preferential treatment to the vehicle damage insurance premium, preferential amount for the application of this clause is not selected when the vehicle damage insurance should pay the premium of 2%.

The basic insurance irrespective of percentage clause

Article 1Insurance liability

The special agreement, after insurance accident happens, according to the commercial third party liability insurance, the vehicle damage insurance or liability of the personnel on the car accident liability odds choice the insured, or in accordance with the whole vehicle pilfer absolute 免赔率 calculation, shall be made by the deductible amount insured themselves to bear part of the responsible for compensation, insurance.

Basic coverage of all types of irrespective of percentage contractual liability exists independently of each other, the applicant can choose are insured, and apply different rates.

Article secondExemption from liability

The following amount, the insurer shall not be liable for:

(a) by loading in violation of laws and regulations relating to motor vehicles and increase the deductible amount;

(two) for insurance of vehicle real driving area beyond the scope of the agreement and to increase the insurance deductible amount;

(three) for the Insured named drivers but when insurance accident happens to non designated driving of vehicle insurance and increase the deductible amount, because the specified driver information is not true and increase the deductible amount supplied;

(four) shall be responsible for compensation by third but couldn't find the third and increase the deductible amount;

(five) insurance car whole car theft, robbery, snatch, because the insured if they can not provide the motor vehicle registration certificate, motor vehicle driving permit, purchase a car vehicle origin certificate invoices, proof of vehicle purchase tax payment or tax exemption certificate and increase the deductible amount; insurance car whole car was stolen, because of lack of full set original keys with the increase of the deductible amount;

(six) based on the multiple accident shall be deductible clause absolute 免赔率 calculation shall be borne by the insured the deductible amount.

Additional risk irrespective of percentage clause

The first insurance liability

The special agreement, after insurance accident happens, responsible for the accident in accordance with additional risks insured insurance franchise and deductible franchise calculation, shall be deductible amount shall be borne by the insured, the insurer is responsible for compensation.

Additional risks the insurance irrespective of percentage special responsibility as a whole, the insured can not be selected respectively for.

Second exemption from liability

The following amount, the insurer shall not be liable for:

(a) by loading in violation of laws and regulations relating to motor vehicles and increase the deductible amount;

(two) for insurance of vehicle real driving area beyond the scope of the agreement and to increase the insurance deductible amount;

(three) for the Insured named drivers but when insurance accident happens to non designated driving of vehicle insurance and increase the deductible amount, because the specified driver information is not true and increase the deductible amount supplied;

(four) shall be responsible for compensation by third but couldn't find the third and increase the deductible amount;

(five) based on the multiple accident shall be deductible clause absolute 免赔率 calculation shall be borne by the insured the deductible amount.

The fourth part definition

[] telephone marketing refers to the phone as the main means of communication, with the aid of the network, short message, fax, mail, delivery and other auxiliary means, the insurance company dedicated telephone marketing number, name and the customer directly to the insurance company, and the use of automated information management technology and specialized operation platform, complete insurance product promotion, consulting, the quotation, confirm the main marketing process conditions etc..

[] is not valued insurance contract in which the parties in conclude when insurance contract is not pre determine the insured value of the objects of insurance, but the insurance accident happens in accordance with the actual value of the insurance subject determine the insurance value of an insurance contract.

[vehicle] in a motor vehicle insurance stated in insurance contract, including parts of original automobile manufacturers fixing device in the car and in the price, but not including the equipment and facilities factory after installing additional or modified.

[non operating vehicle] that the family or individual ownership, and the use of non operating vehicles, but does not include motorcycles and tractors.

[] or the insured vehicle collision occurred between the provisions of the goods loading and outside solid objects, the impact of the crash.

[] insurance overturning vehicles due to natural disasters or accidents, the insurance vehicle overturned, the touchdown, loss of normal and driving ability, driving not recovered by rescue not.

[object] insurance vehicle outside collapsed objects outside the collapse or fall down.

[fall] running parallel to the insurance vehicle accidents in a moving vehicle, flight after falling, caused the loss of vehicle. Non vehicle flight, only because of bump caused the loss of vehicle insurance, liability is not falling.

[] refers to the spontaneous combustion of vehicle insurance for the vehicle electrical appliances, circuit, circuit, fuel supply system, air supply system, air their own problems, such as motor vehicle running friction fire caused by fire.

[in] during the repair repair places an insurance vehicle into the garage (station, shop) and completing the delivery procedures, to the maintenance, repair and the end for end car formalities check time.

[Fire] caused by the insurance of the vehicle itself in time or space fire, burning out of control (i.e., heat, light, fire violent oxidation reaction) caused by disasters.

[] secondary disasters caused by the earthquake engineering structure, facilities and the natural environment caused by the destruction of fire, explosion, plague, toxic and harmful substances pollution, tsunami, flood, debris flow, landslides and other disasters.

[storm] wind speed at 28.5 M / S (equivalent to 11 levels of gales) over the wind. The wind speed in the meteorological department released data shall prevail.

[storm] per hour rainfall reached 16 mm, or continuous 12 hour rainfall of 30 mm or more, or 24 hours of continuous rainfall reached 50 mm and above.

[] of the earth's crust subsidence occurred because of natural variability, systolic suddenly collapse and the formation, river, heavy rain, a hole, cave underground, so that the ground suddenly caved.

The new car purchase price [] refers to the insurance contract is signed purchase and vehicle insurance (including the same type of new vehicle purchase tax) price, without the same types of new car market selling price, determined by the insurer and the insured by negotiation.

[] refers to the actual value of the vehicles of the same type in the market of new car purchase price minus the vehicle use the term depreciation amount after the price. The depreciation rate according to the terms stipulated depreciation rate schedule attached to determine.

[all] refers to the loss insurance overall vehicle damage, repair costs and labor expenses or insurance vehicle and reaches or exceeds the actual value at the time of the accident, the insurer can be constructive total loss.

[] unilateral accident is not involved with the third party damage accident, but does not include natural disasters caused by the accident.

[the whole car theft, robbery, snatch] refers to the insurance vehicle was occurred during the theft, robbery, looting behavior when the car was found up to date.

[] refers to the personnel on the car accident instantly, in the insurance vehicle within the staff, including staff are on and off.

[case] for indemnity signed both parties of insurance contract or relationship after confirming that is regarded as the compensation case.

[] direct damage insurance vehicle accidents, direct cause actual damage accident scene existing assets.

[cost] refers to rescue insurance accident, the insured to prevent or reduce the losses and take necessary and reasonable measures which expenditures.

[accident liability franchise] in the scope of insurance liability insurance, according to the driver of a vehicle in the accident responsibility to determine the ratio, the insurer shall not compensate for the loss and the total loss.

[absolute 免赔率] in the scope of insurance liability insurance, according to the provisions of the vehicle driving persons in the accident outside the determined ratio, the insurer shall not compensate for the loss and the total loss.

[deductible] refers to assume by insurant insurance mark loss amount stipulated in the policy.

[family] lineal relatives and other relatives living with him.

[table] the depreciation rate

Vehicle type	The monthly depreciation rate
9 (including 9) the following non operating passenger cars (including cars, including off-road type)	6 ‰
Other types of vehicles	9 ‰

Note: the highest depreciation amount does not exceed insurance vehicle new car to purchase price of 80%

The telephone marketing special motor vehicle insurance rate scheme (2009 Edition)

The Tariff Scheme for Chinese Ping An Property Insurance Limited by Share Ltd use a nationwide telephone marketing special motor vehicle insurance (2009 Edition), by telephone marketing, telephone marketing special special tariff rates using two parts.

A special rate table, telephone marketing

The telephone marketing special tariff by the benchmark rate and the tariff coefficient table of two parts.

The telephone marketing special rate applies only to non business personal car.

Two, the telephone marketing special rates for use

(a) vehicles

With the "motor vehicle traffic accident liability compulsory insurance rates in the table definition vehicle class".

Van according to the corresponding bus or truck in the higher rate of premiums.

Vehicle type in "the following" two words, means that does not contain its own meaning. For example: "6 the following passenger car", is refers to does not contain 6 passenger seat. "Above" refers to contain its own meaning, for example: "10 above passenger car" refers to the bus more than 10 seats.

(two) the rate coefficient:

1 designated driver: according to the insured vehicle is designated driver, is divided into: designated driver, driver is not specified.

2 driver age: according to the designated driver age insurance, is divided into: is divided into: age <25 years old, 25 ≤ age <30 years old, 30 ≤ age <40 years old, 40 ≤ age <60 years old, 60 years of age or older.

3 driver gender: according to the specified driver's gender policy, is divided into: male, female.

4: according to the designated driver driver driver driving the insured, is divided into: age ≤ 1 years, 1 years of age ≤ 3 years driving experience ", >3.

When more than specified driver, the driver age, gender, age product high shall prevail.

5 driving area: according to the insurance vehicle use coverage options used. Is divided into: China territory, the province.

6 of the average annual mileage: according to the insured vehicle average mileage of choose to use, consists of mileage 30000 km, 30000 km of < < < 50000 km mileage, mileage more than 50000 kilometers.

7 years of insurance in motor vehicle insurance: according to the previous record, is divided into: the first year insurance, renewal.

8 traffic illegal record: according to the insurance vehicle insurance annual traffic illegal record rate adjustment, is divided into: the insurance year no traffic violations, and an annual traffic illegal insurance.

9 previous insurance claim records: according to the annual insurance vehicle insurance claim records the previous year rate adjustment, is divided into seven levels:

Grade one to grade seven respectively: three consecutive years and above without loss record, two consecutive years without compensation records, no claim record last year last year, two and the following compensation or insurance, the first year over year three claims, claims, four times last year occurred five times or more.

More than 10 other insurance insurance discount coefficient: according to the provisions of the insured vehicle damage insurance and commercial third party liability insurance, the single highest preferential 5%.

11 the vehicle damage insurance deductibles: the insured in insurance, divided into four grades: 300 (yuan), 500 (yuan), 1000 (yuan), 2000 (yuan).

12 models: according to choose to use the insurance vehicle brand models.

The old, old models: the factory for more than 10 years of automobile;

Special models: the same type of home ownership is less than 500 vehicles; repair difficult vehicles; accessories expensive, channel shortage of vehicles; all 500000 imported cars; the factory for more than 5 years and manufacturers have closed vehicle; additional equipment more than 1000000 vehicles; prices beyond the refit vehicle 50% compared to the original car price (including production and non production, appearance and performance modifications); non specified by the manufacturer sold to the mainland China models.

New models: time to market is not more than 1 years of imported models; time to market is not more than 6 months of domestic automobile.

(three) the insurance fee calculation

The calculation of 1 vehicle damage insurance premium:

The insured vehicle damage insurance, should according to the vehicle type, select the appropriate vehicle damage insurance benchmark premium rate table of corresponding grades, fixed premium and the benchmark rate, calculating the vehicle damage insurance benchmark premium according to the following formula:

The vehicle damage insurance benchmark premium = fixed premium + vehicle damage insurance amount x benchmark rates

Application of coefficient of vehicle damage insurance benchmark premium multiplied by the rate coefficient table, namely the case of vehicle damage insurance shall pay the premium, the formula is as follows:

The vehicle damage insurance premium = benchmark premium * C1 * C2 *...... Cn

The calculation of 2 commercial third party liability insurance

Vehicle insurance commercial third party liability insurance, should according to the vehicle type, select the appropriate commercial third party liability insurance benchmark premium rate table corresponding to grade, determine the commercial third party liability insurance benchmark premium rate, multiplied by the corresponding coefficient table suitable coefficient, namely the vehicle insured commercial third party liability insurance should pay the bill the premium, the calculation formula is as follows:

The commercial third party liability insurance premium = benchmark premium * C1 * C2 *...... Cn

Benchmark premium commercial motor vehicle third party liability insurance refers to the commercial third party liability insurance accident every time a maximum compensation limit according to the corresponding vehicle type of the vehicle is 50000 yuan, 100000 yuan, 150000 yuan, 200000 yuan, 300000 yuan, 500000 yuan, 1000000 yuan and 1000000 yuan of insurance premium.

3 whole vehicle pilfer premium calculation

Vehicle insurance the whole vehicle pilfer, should according to the vehicle type selection of full vehicle pilfer benchmark premium rate table corresponding to grade, fixed premium and the benchmark rate, according to the following formula to calculate the whole vehicle pilfer benchmark premium:

Whole vehicle pilfer benchmark premium = fixed premium + whole vehicle pilfer insurance amount x benchmark rates

Whole vehicle pilfer premium = benchmark premium * C1 * C2 *...... Cn

The calculation of 4 other insurance premium

The vehicle cover other risks, should according to the risks insured don't, select grade corresponds to the rate table, calculate the risk other benchmark premium rate, multiplied by the corresponding coefficient table suitable coefficient, namely the vehicle cover risks other shall pay the premium, the calculation formula is as follows:

Other risks premium = benchmark premium * C1 * C2 *...... Cn

The insured vehicle shall pay the premium to the insurance don't premium total value, premium down warping to yuan.

The largest margin of preference under the provisions of the insurance don't use the preferential rate coefficient of total amplitude exceeds regulatory authorities, in accordance with the largest margin of preference regulatory compliance, but the vehicle damage insurance calculation of discount rate without deductibles coefficient.

Additional risk irrespective of percentage special apply to: body scratch damage insurance, autoignite loss insurance, increase equipment loss insurance, cargo liability insurance, cargo liability insurance, vehicle traffic accident compensation for spiritual damage insurance, the whole car robbery additional golf theft.

(four) short rate

1 of the premium rate of motor vehicle insurance scheme in rate table, all the insurance period is one year rate table, annual rate table.

2 the insured, the insurance period less than a year by short day rates or insurance premium (less than a day by day).