The third part Additional risks

Broken glass separate clauses

Article 1  The 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 second  Insurance 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 third  Exemption 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 1  The 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 second  Insurance 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 third  Exemption 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 fourth  Treatment 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 1  The 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 second  Insurance liability

In the insurance period, insurance vehicles in use process, because the vehicle electrical appliances, circuit, circuit, fuel supply system, air supply systemThe goods themselvesHappenThe problem of operating motor vehicles, frictionTo catch fireCause 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 expenditures necessary and reasonable expenses:, the insurer is responsible for compensation.

Article third  Exemption 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,Oil,Fuel supply system, gas supply systemLoss;

(three) cargo loss;

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

Article fourth  Insurance amount

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

Article fifth  Treatment 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 1  The 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 second  Insurance 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 third  Exemption 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 fourth  Limit of indemnity

Limit of indemnity to the insured and the insuranceOn the amount of compensation insurance policyholders when multiplied by the number of days agreed compensation agreement shall prevail, but the insurance contract of the maximum compensation for 90 days.

Article fifth  Treatment 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 1  The 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 second  Insurance 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 third  Exemption 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 fourth  Limit 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 fifth  Treatment 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) when the accident the insurance deductible for a day of compensationAmount of money.

 

New equipment loss clause

Article 1  The 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 second  Insurance 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, the insurerOn the basis of proportional liability accident insurance vehicle drivers are negative in the accident,Insurance amount set forth in the insurance policy of the projectResponsible for compensation.

Article third  Insurance amount

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

Article fourth  Treatment 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 is absolutely franchise agreementRate.

Article fifth  Other 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 1  The 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 second  Insurance 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, the insurerAccording to the insurance vehicle drivers are negative in the accidentAccidentLiability ratio,Responsible for compensation in the limit of liability insurance stated in.

Article third  Exemption 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 insured vehicleThe intentional act, the driver brakes in emergency.

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

Article fourth  Limit of indemnity

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

Article fifth  Treatment 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 carCargo liability insurance compensation in accordance with the provisions of the amount in accident responsibility deductible franchise: 20% responsible, deductible 15% primary responsibility, equal responsibility for the negative 10% franchise, franchise 5% negative secondary responsibility. The accident responsibility unilaterally accident franchise for 20%. According to the businessThree party liability insurance contract applicable deductible franchise.

 

Vehicle cargo liability insurance clauses

Article 1  The 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 second  Insurance 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 third  Exemption 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 lossLoss.

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

Article fourth  Limit of indemnity

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

Article fifth  Treatment of claim

This insurance eachTime for a 20% absolute 免赔率.

 

Additional oil pollution liability insurance clauses

Article 1  The scope of insurance

This insurance isThe commercial third party liability insuranceAdditional risk,Has the vehicle insured commercial third party liability insurance can be insured the additional risks.

Article second  Insurance liability

In the period of insurance, the insured or the valid driving accidents in the use of vehicle insurance process, because of pollution loss and clean-up costs of vehicle insurance or other motor vehicle itself contained oil or oil leakage caused by road, economic liability for compensation according to law by the Insured undertakes, the insurerAfter deducting the cross strong insurance shall compensate part,In accordance with the provisions of the insurance contract for compensation.

Article third  Exemption from liability

(a) the road outside the loss;

(two) due to pollution caused by fine and any indirect loss;

(three) should be made compulsory insurance compensation for the losses and expenses.

Article fourth  Limit of indemnity

Each time the accident compensation limit by the insured and the insurer according to 50000 yuan, 100000 yuan, 200000 yuan, 300000 yuan, 500000 yuan level determined in consultation.

Article fifth  Treatment of claim

(a) after insurance accident happens, according to the court, arbitration institution in accordance with the judgment or ruling, ruling or mediation, or the parties agreed in writing the accident and the consent of the insurer, economic liability assumed by the insured, the insurer compensation stipulated in the insurance policy the additional insurance indemnity.

(two) the insured claims should be provided, issued by the public security organ of the traffic management department, the traffic administrative department that records the scene of the accident, accident and other and confirm the property of insurance accident, reason, loss and other material relevant to.

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

 

The traffic accident compensation for spiritual damages clause

Article 1  The 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 second  Insurance 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 third  Exemption from liability

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

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 the other is not within the scope of insurance liabilityAnd expenses.

Two.Should be strong insurance to pay the amount of compensation, the insurer shall not be liable for.

Article fourth  Limit 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 fifth  Treatment 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 1  The 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 second  Insurance 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 third  Exemption 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 fourth  Insurance amount

This warrantyInsurance amount insurance is divided into 5000 yuan, 10000 yuan, 15000 yuan and 20000 yuan in four grades, the insurer and the insured in the insuranceWhen negotiation.

Article fifth  Treatment of claim

(A) this insurance 20% tax deductible franchise.

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

 

Wade driving loss clause

Article 1  The 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 second  Insurance liability

In the insurance period, insurance vehicles because of flooded or by wading traffic cause engine damage, repair costs indemnified engine in the limit of compensation insurance stated in.

 

With the car luggage loss clause

Article 1  The 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 second  Insurance liability

In the insurance period, insurance vehicles in use process, loss of a vehicle insurance accident, causing the carDirect damage to the luggageLimit of liability insurance, the insurance specified in the project,According to the insurance vehicle drivers are negative in the accidentAccidentThe duty ratios, bear corresponding responsibility for compensation.

Article third  Exemption 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 fourth  Limit 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 fifth  Treatment 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.Insurance for vehicles in use process and other motor vehicle collision carDirect damage to the luggageOn the other, shall be made by the 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) 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 1  The 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 second  Insurance 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 third  Limit 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 fourth  Treatment 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.

 

Vehicle replacement special clause A

Article 1  The scope of insurance

This insurance is the additional risk loss of vehicle insurance, insured the vehicle damage insurance, commercial third party liability insurance and the basic insurance irrespective of percentage additional risks and insurance period duration from the first registration of the vehicle for 3 yearsThe special risks can be insured.

Article second  Causing the insured vehicle damage due to loss of vehicle insurance accident, the repair costs to achieve the corresponding proportion of insurance accident occurs when the same type of new car to purchase price, the insured may, in accordance with the provisions of this clause apply to insurance vehicle replacement for the sameThe new car models.

The applicant can choose to apply the following three proportion, in the insurance policy are listed, and the implementation of the corresponding rate:

(a) 50%;

Two 60%.

Three 70%.

Article third  On the basis of the provisions of clause second apply to replace the same model car, the insured will all repair expenses shall be borne by the third parts delivered to the Convention authorized dealers, and assist the insurer for vehicle ownership of the relevant alteration formalities, the insurer is responsible for agreed by the authorized dealers to provide the insured the same type of car.

The quality of the new car, the insurer is not liable for any. On the change of ownership of any debt, registration before the occurrence of the involved in insurance obligations, vehicle load, the insurer shall not bear.

If for any reason the insurance vehicle ownership cannot be changed for the insurer, the insurer shall be responsible for the loss of vehicle insurance compensation.

Article fourth  The insurer is responsible for replacement car value shall be limited to the insured amount insurance vehicle, such as a new car purchase price is higher than the amount of insurance, the difference shall be borne by the insured.

Article fifth  Specified by the policy deductible, the deductible shall be borne by the insured.

Article Sixth  The insured in accordance with the provisions of this clause replacement after the car, the insurance contract shall be terminated. During the accident happened to insurance check of the period of insurance, the insurer shall not refund.

 

Vehicle replacement special clause B

 

Article 1  The scope of insurance

This insurance is the additional risk loss of vehicle insurance, insured the vehicle damage insurance, commercial sectionThree party liability insurance and basic insurance irrespective of percentage additional risks and insurance period of less than 3 years from the time of initial registration of the vehicle can be insured against this specialInsurance.

Article second  Causing the insured vehicle damage due to loss of vehicle insurance accident, the repair costs to achieve the corresponding proportion of insurance accident occurs when the same type of new car to purchase price, the insured may, in accordance with the provisions of this clause apply to insurance vehicle replacement for the sameThe new car models.

The applicant can choose to apply the following three proportion, in the insurance policy are listed, and the implementation of the corresponding rate:

(a) 50%;

Two 60%.

Three 70%.

Article third  On the basis of the provisions of clause second apply to replace the same model car, in the insured vehicle ownership to assist the insurer for the relevant alteration formalities, the insurer is responsible for the agreed upon by the authorized dealers to provide the same type of new car to the insured.

The quality of the new car, the insurer is not liable for any. On the change of ownership of any debt, registration before the occurrence of the involved in insurance obligations, vehicle load, the insurer shall not bear.

If for any reason the insurance vehicle ownership cannot be changed for the insurer, the insurer shall be responsible for the loss of vehicle insurance compensation.

Article fourth  The insurer is responsible for replacement car value shall be limited to the insured amount insurance vehicle, such as a new car purchase price is higher than the amount of insurance, the difference shall be borne by the insured.

Article fifth  Specified by the policy deductible, the deductible shall be borne by the insured.

Article Sixth  The vehicle damage insuranceShall be composed of third persons responsible for the compensation, the insurer from according to the special insurance replacement car, subrogation insured indemnity against the third party rights, the insured shall provide necessary documents and relevant information in its knowledge to the insurer.

After insurance accident happens, before the insured does not compensation insurance, the insured waives the right to compensation against the third party, the insurer shall not bear the liability of compensation. The insurer according to the special insurance replacement car, the Insured agrees to waive the right to compensation against the third party without the insurer, the act is invalid. 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 seventh  The insured in accordance with the provisions of this clause replacement after the car, the insurance contract shall be terminated. During the accident happened to insurance check of the period of insurance, the insurer shall not refund.

 

A special clause

Article 1  The scope of insurance

This insurance is the additional risk loss of vehicle insurance, has the insured vehicle damage insurance and the insurance period of 3 years from the time of initial registration, 10 the following non operating passenger cars can insure the special risks.

Article second  Insurance liability

Due to the vehicle damage insurance accident insurance, damage caused by vehicle and in need of repair, the damaged parts repair costs reached the replacement costs 30%, the insurer according to insurance contract to be repaired parts for replacement.

Article third  Treatment of claim

Vehicle insurance losses, damaged parts according to the minimum resolvable parts replacement, is replacing the insurer reserves all.

Paint damage body do not change parts processing.

 

Fasten the safety belt compensation special clauses

Article 1  The scope of insurance

This insurance isPassenger liability insuranceAdditional risk,Has the vehicle insurance liability of the personnel on the car can be special risks insurance.

Article second  Insurance liability

In the period of insurance, liability insurance liability within the scope of things happening on the car insurance carTherefore, the personnel on the car if the insured vehicle 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 liability evaluation for the level of disability of the insured person, according to the contract agreed standards to increase the limit of indemnity.

 

Specify the specialized factory warranties

Article 1  The 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 second  The 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.

 

Special vehicle special clause

Article 1  The scope of insurance

Insured loss of vehicle insurance and commercial third party liability insurance vehicle, can insurance clause.

Article second  This insurance special agreement, for the losses, the insurer shall not be liable for:

(a) excavator during use, resulting in underground wire, cable, pipeline and other equipment loss and other losses caused by this;

(two) for the carriage of dump truck did not fall the traffic caused by loss of vehicle insurance and the carriage and the external objects created by the collision of the three party liability;

(three) other special vehicles (such as cranes, bulldozers, excavators, dump truck, cement mixer, concrete pump truck, etc.):

1 by subsidence caused by tilting of the vehicle, vehicle loss caused by overturning insurance and three party liability;

2 crane in the loading process, the boom (including ropes) crane fault (including ropes) their own losses;

3 construction workers in violation of operation rules, resulting in loss of vehicle insurance and the mechanical arm or body touch the high-voltage wire caused by three party liability;

4 in the operation of vehicle insurance process due to mechanical failure or serious violation of operating rules of insurance loss caused by vehicle.

Article third  The insurance for the standard clause, no additional charge.

 

Many accidents deductible clause

Article 1  The scope of insurance

This insurance isThe vehicle damage insuranceAdditional risk,The vehicle has been insured against loss of vehicle insurance is insurance special risks.

Article second  The choice of suitableWith many accidents 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 third  SelectedChoose the suitable accidents 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 1  Insurance 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 second  Exemption from liability

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

(ABecause of the 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 thirdThe deductible amount increased;

(five) insurance car whole car theft, robbery, snatch, because the insured if notProvideThe motor vehicle registration certificate, motor vehicle driving permit, purchase a car vehicle origin certificate invoices, proof of vehicle purchase tax payment or tax exemption certificateThe deductible amount increased; insurance car whole car was stolen, because of lack of full set original keysThe deductible amount increased;

(SixAccording to many accidents) shall be deductible clause absolute 免赔率 calculation shall be borne by the insured the deductible amount.

 

Additional risk irrespective of percentage clause

Article 1  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.

Article second  Exemption from liability

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

(ABecause of the 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;

(FiveAccording to many accidents) shall be deductible clause absolute 免赔率 calculation shall be borne by the insured the deductible amount.

 

The fourth part Interpretation

[] 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.

[] 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.

[non operating enterprises, organs vehicle] refers to the use of motor vehicles at the party and government organs, social organizations, enterprises and institutions engaged in business or in the production and operation activities not directly or indirectly from the freight or hire.

[] 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]To fully assume by insurant insurance mark loss amount stipulated in the policy.

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

[table] the depreciation rate

The depreciation rate table

Vehicle type	The monthly depreciation rate
9 (including 9) the following non operating passenger cars (including cars, including off-road type)	6 ‰
Rental cars and more than 6 tons cargo car, special vehicle for mining operations	12 ‰
Other types of vehicles	9 ‰

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

Motor vehicle insurance rate scheme (2009Version)

 

The tariff scheme by motor vehicle insurance rate, the insurance premium rate of motor vehicle use of two parts.

A, motor vehicle insurance rate table

(a) motor vehicle tariff includes the benchmark rate and the tariff coefficient table two.

(two) the benchmark rate table includes:

1 passenger cars, trucks benchmark rate table

2 special vehicle benchmark rate table

3 motorcycles and tractors benchmark rate table

(three) the rate coefficient table includes:

1 motor vehicle insurance rate coefficient table (person)

2 motor vehicle insurance rate coefficient table (enterprises, institutions)

Two, the insurance premium rate of motor vehicle use

(a) the nature of that vehicle use

1 business vehicles: engaged in social transportation and freight vehicles, including sales of passenger cars and truck.

2 non operating vehicles: refers to the party and government organs at all levels, public organizations, enterprises and institutions use vehicles or only for personal and family life of motor vehicles of all kinds.

For both the two kinds of nature of vehicles, high-grade rate billing.

(two) the vehicle type description

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"Following"Two words, is without its meaning. For example:"6 the following passenger cars", refers to not containing 6 passenger seat."Above"That contains its own meaning, for example:"10 tons truck"Refers to more than 10 tons of freight cars.

(three) the rate coefficient

1 underwriting quantity: according to the same insured, the insured in an insurance year, choose to use in our case the insured vehicle number, is divided into: underwriting vehicle number <5, 5≤The number of insured vehicle <20, 20≤Underwriting, underwriting vehicle number <50 number of vehicles≥50.

The coefficient for enterprises, organs vehicle.

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

The coefficient for non business individual vehicle.

3 driver age: according to the designated driver age insurance, is divided into: age <25 years old, 25 years old≤Age <30 years old, 30 years old≤Age <40 years old, 40 years old≤Age <60 years old, age≥At the age of 60.

The coefficient for non business individual vehicle.

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

The coefficient for non business individual vehicle.

5: according to the designated driver driver driver driving the insured, consists of: driving experience<1 years, 1 years≤Driving experience<3 years of driving experience≥3 years.

The coefficient for non business individual vehicle.

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

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

7 driving area: according to the insurance vehicle use coverage options, is divided into: within the territory of the province, China, fixed route, floor.

Floor: in the site, airport, factory, dock and other fixed range.

Fixed route does not apply to non business individual vehicles; floor will not apply to individual vehicle.

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

9 previous insurance claim records: according to the annual insurance vehicle insurance claim records the previous year, 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.

10 traffic illegal record: according to the insurance vehicle insurance annual traffic illegal record, is divided into: the insurance year without traffic illegal record, an insurance annual traffic illegal record.

11．The average annual mileage: according to the insured vehicle mileage average number, is divided into: mileage < 30000 km, 30000 km≤< 50000 km mileage, mileage≥50000 kilometers.

12．Many risks don't insured preferential: at the same time the insured vehicle damage insurance and commercial third party liability insurance, the single highest preferential 5%.

The 13 fleet management: according to team internal security management level, the actual vehicle use and risk situation, but not with the experience / expected loss ratio coefficient and use.

The coefficient for enterprises, organs vehicle.

14 experience / expected loss ratio: the use of insurance business experience compensation condition or expected payment status. The coefficient for underwriting the number of vehicles in more than fifty business, but cannot claim and previous insurance annual record coefficient and fleet management simultaneous coefficient.

The coefficient for enterprises, organs vehicle.

(four) the insurance fee calculation

(1) calculate the vehicle damage insurance premium:

In case of vehicle damage insurance, should be based on the nature of the use of, the nature, types of vehicles and vehicle age, choose the corresponding vehicle damage insurance benchmark premium rate table of corresponding grades, fixed premium and the benchmark rate, according to the following formula to calculate the vehicle damage insurance benchmark premium:

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

(2) calculate the commercial third party liability insurance

Vehicle insurance commercial third party liability insurance, should according to the vehicles belonging to the nature and types of vehicles, using properties, 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 insurance business the third party liability insurance shall pay 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 properties and types of vehicles using the vehicle for 50000 yuan, 100000 yuan, 150000 yuan, 200000 yuan, 300000 yuan, 500000 yuan, 1000000 yuan and 1000000 yuan of insurance premium.

(3) the whole vehicle pilfer premium calculation

Vehicle insurance the whole vehicle pilfer, should according to the vehicles belonging to the nature and types of vehicles, car use nature, choose corresponding 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

(4) calculation of 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 premium and total value of don't.

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, liability insurance, the additional vehicle cargo oil pollution liability insurance, accident insurance, compensation for spiritual damages the whole car robbery additional golf ball with theft.

The special insurance additional risks to meet the individual needs of different customers, special additional risks for specific customer types or type of business and the development of.

The insurance rate coefficients for the one-way motorcycle, tractor, but does not apply to each rate coefficient.

(five) 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 byDayCollection of insurance premiums (less than oneDayAccording to theDayCalculation.