Motor vehicle comprehensive insurance clause

Motor vehicles of the insurance contract refers to the car, car, car battery, special machinery and vehicles, special vehicles. This insurance is classified into the basic insurance and additional insurance, the additional risk must be insured against. The insurer shall not assume insurance responsibility for insurance respectively. This insurance as commercial insurance.

The first part of the basic insurance
The basic insurance for the vehicle damage insurance and third party liability insurance.

Insurance liability

The first vehicle damage insurance
(a) the insured or allow qualified driver in the use of vehicle insurance process, due to the following list the causes the loss of all or part of the loss of vehicle insurance, the insurer is responsible for compensation:
1 collision, overturning;
2 fire, explosion;
3 external objects collapse, falling objects, insurance and air vehicle parallel fall;
4 by the insurance of the goods carried by the vehicle, personnel on the car accident impact;
5 lightning, storm, heavy rain, floods, tornadoes, hail;
6 insurance vehicle suffered heavy rains, floods in the flood and exhaust water flooded due to negligence and start or improper operation resulting in engine damage.
(two) insurance accident, the insured person or his representative to take reasonable costs of rescue, protection measures for vehicle insurance expenditure, the insurer is responsible for compensation. But the maximum amount of compensation for the expenses shall be limited to the insured amount.

Second the third party liability insurance
The insured or the allowed qualified driver in the use process of vehicle insurance, accident, direct damage causes the third suffers from a personal injury or property, the amount of compensation shall be assumed by the insured, the insurer in accordance with the relevant state laws and regulations and the provisions of the insurance contract compensation. But because the accident aftermath, the insurer shall not bear.

Exemption from liability

The loss of third of vehicle insurance, the insurer shall not be liable for:
(a) the natural wear and tear, rot, fault, damage to tires alone, broken glass alone, man-made scratch;
(two) other natural disasters except the lightning, storm, heavy rain, floods, tornadoes, hail;
(three) artificial direct supply, high temperature baking;
(four) suffered the loss of insurance coverage, without the necessary repair continue to use, so that the losses are part of the expansion;
(five) or of unknown causes of spontaneous combustion fire;
Spontaneous combustion, namely insurance car because the car electric appliances, circuit, fuel supply system, air their problems on fire.
(six) the ferry carrying insurance vehicle suffered natural disasters or accidents, resulting in loss of vehicle insurance;
(seven) the slide park during the loss caused by;
(eight) the new equipment loss.

Article fourth the following insurance vehicle caused personal injury and property damage, if the insured shall bear the liability for compensation in the law, the Insurers shall not be liable for:
(a) the insured or allows the driver all or escrow property;
(two) the private, individual contracting vehicle insured or allows the driver and their family members, and they all or the escrow property;
(three) all personnel and property insurance on the vehicle.

Article fifth the following conditions, regardless of any reason caused the loss of vehicle insurance and third party liability insurance economy, per capita is not responsible for compensation:
(a) the war, strikes, riots, military conflict, seizure, confiscation, expropriation;
(two) without the insured to allow drivers use of vehicle insurance;
(three) by the intentional act the insurer or allows the driver;
(four) competition, test, repair, maintenance in place during business repair;
(five) the goods carried by the vehicle drop, leakage;
(six) the insured vehicle towing vehicle (including Trailer) or other towing, two of which at least one without insurance third party liability insurance;
(seven) the driver of psychotropic drugs, alcohol or narcotic taking control of the state, suffering from diseases hinder safe driving, or is too tired to continue driving;
(eight) the driver in any of the following circumstances:
1 the driver without driving license, driving the vehicle and driving license driving type does not match or not according to the prescribed examination or examination unqualified;
2 use the coach learn driving technology without coaching staff with guidance or not according to the provisions of the route, time driving;
3. motor vehicle driving motor bus, passenger vehicles, semi-trailer towing vehicle and the task is being performed police cars, fire trucks, ambulances, engineering rescue vehicles and carrying explosives, inflammable or explosive chemicals, toxic or radioactive and other dangerous goods in the internship period, driving motor vehicles towing trailers;
4 without a valid operating permit issued by the state or the navicert use various professional machinery vehicles, special vehicles, taxi;
5 the army or police forces driving license driving vehicle; a local driving license driving forces or armed police vehicle;
The provisions of the 6 public security traffic management departments of the other belongs to driving without a valid certificate of.
(nine) the escape vehicle accident insurance;
(ten) fails to pay the insurance premiums of insurance contract;
(eleven) unless otherwise agreed in writing to the insurance contract, insurance accident insurance vehicle not issued by the traffic control department of the public security vehicle license and license plate, or not according to the provisions of the inspection or inspection unqualified;
(twelve) the insured vehicle as an instrument of crime.

Article sixth the following losses and costs, the insurer shall not be liable for:
(a) the insured vehicle accident, the insured or the third closed down, suspended, power, water, gas stop, stop, interruption of communications and other indirect losses;
(two) any mental damage caused by the insurance accident compensation;
(three) any compensation or damages caused by pollution;
(four) insurance car whole car was stolen, robbed, robbed, One's whereabouts is a mystery., and during this time the damage or loss of car parts, auxiliary equipment, as well as the third casualties or property losses;
(five) the other does not belong to the scope of insurance liability losses and expenses;
(six) does not belong to the medical insurance costs within the scope of.
The insured amount, the compensation limit, period of insurance and the insurance premium

The insured amount of seventh vehicle damage insurance according to the two part total loss and partial loss, in accordance with the following provisions to determine:
(a) total loss or a constructive total loss: consult to determine the actual value insurance vehicle;
(two) part of the loss from the following ways: select one:
1 according to the insurance vehicle new car to purchase price;
2. in the new car to purchase price within the agreed, but the insurance amount shall not be less than the new car to purchase price of 20%. Determining the amount of insurance by the way, if the accident occurred insurance, insured by the insurance amount and the proportion of new car purchase price to pay.

Eighth the third party liability insurance accident every time a maximum compensation limit by the insured in the following grades in choosing:
(a) the maximum compensation limit per accident is divided into seven grades: 50000 yuan, 100000 yuan, 200000 yuan, 500000 yuan, 1000000 yuan, 5000000 yuan, 10000000 yuan;
(two) The Trailer Insurance and the main engine 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;
(three) each accident nutritional costs, compensation fee of cosmetic, rehabilitation fees of three and the cost is highest do not exceed the specified in the insurance contract when the accident the maximum compensation limit of 10%.

Article ninth in the period of validity of the insurance contract, the insured is required to change the contents of the contract, shall apply to the insurer in writing to apply for correction.

The tenth period of insurance and the insurance premium
(a) the insurance period is one year. Except as otherwise provided by law, the insurance period is less than one year by the land premium rate.
(two) the contract of insurance, to the specific charges refund insurance contract insurance of motor vehicle insurance regulations "comprehensive" shall prevail.
(three) the insurance premium per policy set the lowest limit. Each policy is the minimum premium for 50 yuan, premium of less than 50 yuan, according to 50 dollars; the entry into force of the contract after the surrender, the premium paid less than 50 yuan, according to 50 dollars.
In this paragraph refers to the insured the premium paid to the insurer for the surrender, the insurer has the responsibility to should have actually received the insurance premium. Insurance paid to an agent fee is included in the premium paid in.
(four) the insurance contract, the insurer in accordance with the daily rate for insurance contract has the responsibility period insurance premium of outstanding liabilities, return period insurance premium.
(five) an insurance insurance insurance accident caused by the termination of the contract, the insurer is not out to other insurance premium rates charged by insurance contract has the responsibility period insurance premium of outstanding liabilities, return period insurance premium.

Treatment of claim

Article eleventh the insured claims, shall provide the original insurance policy, certificate of the accident, accident, accident mediation book, judgment, list of losses, medical expenses and other related expenses list documents to prove accident cause, nature, loss of data to the insurer.

Article twelfth insurance according to the insurance vehicle driver in the accident responsibility proportion, the corresponding liability.

Article thirteenth insurance vehicle insurance accidents due to damaged or the third party property damage, should be repaired as the principle, try to repair. Repair of the insured person shall be jointly with the insurer inspection, determine the project, and the cost of repair, otherwise, the insurer has the right to re approved or rejected the compensation.

Article fourteenth the vehicle damage insurance compensation according to the following provisions:
(a) total loss or a constructive total loss
Calculation of compensation in the amount of insurance, formula: = (indemnity insurance amount - residual) × accident liability ratio of X (1- franchise).
The insurer according to the total loss or constructive total loss compensation insurance liability, as the vehicle damage insurance termination.
(two) part of the loss
The new car purchase price to determine insurance amount of vehicles, calculation of compensation according to the actual cost of repairs, formula: loss = (actual repair costs - residual) × accident liability ratio of X (1- franchise)
The insured amount is lower than the new car to purchase price of the vehicle, according to the insurance amount and the proportion of new car to purchase price calculation of compensation, calculation formula is: loss = (actual repair costs a residual) * (the amount of insurance / new car to purchase price) × accident liability ratio of X (1- franchise)
Partial loss of vehicle insurance a compensation amount and the deductible amount equals the amount of insurance, the insurance liability after the loss of vehicle insurance termination.
(three) rescue fees
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 insured property of the total property allocation and labor expenses.
The new car to purchase price determining the amount of insurance compensation according to the calculation of vehicle, necessary, reasonable and actual cost of salvage, formula: = (total value reparations rescue property actual expenses: * insurance actual value of vehicle /) × accident liability ratio of X (1- franchise)
The insured amount is lower than the new car to purchase price of the vehicle, according to the insurance amount and the proportion of new car to purchase price calculation of compensation, calculation formula is: loss = (total value of property insurance amount. * / actual cost of salvage) * (the amount of insurance / new car to purchase price) × accident liability ratio of X (1- franchise)
(four) the insured vehicle, third suffer the residual part after the loss, should discount and treatment methods of residual part of the insured and consensus.

Article fifteenth insurance vehicle third party liability insurance accident, according to "The Chinese peopleThe people's Republic of China Road Traffic Safety Law "and" the Supreme People's court "interpretation of several issues concerning the application of law in the trial of personal injury compensation case law interpretation (2003) (No. 20) regulations of the scope of compensation, and the items and standards of the insurance contract, the compensation policy stated limits approved by the amount of compensation. For the insured to promise or pay the amount of compensation, the insurer has the right to re approved or rejected the compensation.

Sixteenth of the third party liability accident compensation, any increase in compensation for victims of the third of the cost, the insurer is not responsible for, but the insurance liability remains effective, until the expiration of the insurance.

Seventeenth according to the insurance vehicle driver's responsibility in the accident, the vehicle damage insurance and third party liability insurance compensation in accordance with the provisions of the amount in the deductible franchise: responsible for the deductible ratio of 20% 100%, 15% franchise liability rate between 51-99%, responsible for the deductible ratio of 10% to 50% 5%, deductible liability ratio between 1-49%.
Unilateral accident deductible franchise is 20%.
Deductible without carrying out the fifth section of the first article basic risks listed in natural disasters caused by the accident.
Insurance accident specified in the sixth paragraph of Article 1 of the basic insurance deductible franchise is 20%.
Vehicle insurance insured risks, more than three times the insurance accident insurance in a year, the insurer will from fourth accidents, each additional insurance accident, adding 5% franchise based on the provisions of the franchise, but in an insurance year, the deductible rate increase 15%.

Article eighteenth liability insurance vehicle insurance occurred within the third party should be responsible for compensation for the losses, the insurer to the insured indemnity insurance gold date, the amount of compensation scope of subrogation insured to the third party the right to compensation. If the insured person already from third party making indemnity, the insurer pays the insurance money, deduct from the amount of indemnity insured third party has made.
After insurance accident happens, before the insured does not compensation insurance, the insured waives the right of indemnity against the third party, the insurer is not liable for damages; if the insured after compensation, the Insured agrees to give up on the third party claims rights without the insurer, the act is invalid; due to the insured due to the fault of the insured cannot fully exercise the right of indemnity, the insurer may deduct the amount of indemnity.
When the insurer exercises the right of subrogation to the third party claim, the insured shall provide necessary documents and relevant information of the known to the insurer, and the insurer's request for assistance to the third party claim.

Article nineteenth insurance vehicle vehicle damage insurance liability insurance included in the scope of the losses, shall be borne by the third party is responsible for compensation, but the insured cannot prove that the accident happened and can not find the third party, the insurer shall make compensation for the losses, but the implementation of 30% in compliance with the provisions of compensation within the deductible franchise.
The insurer obligation

Article twentieth conclude when insurance contract, explain the contract terms to the insurant, clear about the "exemption" and "content of the insured, the insured obligations" clause.

Article twenty-first after the establishment of insurance contract, the insured shall promptly to issue an insurance policy, insurance certificate, and shall specify the content of the contract agreed by the parties in the insurance; insurant pay insurance premium, the premium invoice.

Article twenty-second in the period of validity of the insurance contract, the relevant contents changes after consultation contract of insurance of the insured and the insurer, the insurer shall be attached to endorsements attached to the original insurance policy.

Article twenty-third in the period of validity of the insurance contract, in addition to legal provisions the insured shall not terminate the contract of insurance cases, an applicant requests the termination of the insurance contract, the insurer shall timely apply for refund procedures. The insurer refused or delayed treatment, the insured shall have the right to request the insurer from the insured to surrender the date of the application for refund premiums; if the insurance vehicle insurance accident occurs during the delay on the surrender, the insurer shall be liable for compensation.

Article twenty-fourth in the period of validity of the insurance contract, the insurer to terminate the insurance contract, the insured shall be notified fifteen days in advance.

Article twenty-fifth the insurer shall, in accordance with the contract agreed time begin to undertake the insurance liability. In the period of validity of the insurance contract, after insurance accident happens, the insurer shall, according to the agreement of the contract of insurance payment of compensation or repair out of vehicle. Insurance receipt of the insured's claim for compensation and all necessary documents, shall timely verification; belonging to the insurance liability, and be in ten days after the insurer agreed compensation agreement or in a period agreed by both parties, to fulfill the obligation of reparation. The insurer without justifiable reasons not specified or agreed upon payment of indemnity in time or did not complete the accident vehicle repair according to the agreed time limit, the payment limit late fees according to the insured claims payable amount according to the people's Bank savings interest rates Chinese released.
Insurance receipt of the insured's claim, does not belong to the insurance liability, shall issue a "Notice of refusal to the insured".

Twenty-sixth other obligations "insurance law" the people's Republic of China and other state laws, regulations.
The insured, the insured obligations

Article twenty-seventh conclude when insurance contract, the applicant shall truthfully inform the insured vehicle to the insurer, the insured and the insured person, the insurance vehicle driver, if the insured a false statement or declaration
1 sufficient to affect the insurer to decide whether the insured, the insurer has the right to refuse to take the insurance term since the start of the insurance liability and may terminate the insurance contract;
2. has affected the insurance premium and the insured person decided to get the corresponding discount rate, as has been the insurance accident occurs, the insurer will be insured premium and the premium payable calculated the proportion of claims, and shall have the right to inform the date error rates return to the preferential level before such as self discovery; without the occurrence of accident insurance, the insurer has the right to start from the date when the insured liability will be restored to the level before the discount rate.

Twenty-eighth non written consent of the insurer, the insured shall pay the premium in insurance contract once signed, or whether an insurance contract is signed, the insurers do not assume insurance responsibility; agreed to in writing by the insured pay the premium of the insured person, should with agreed payment time and amount, if the insured fails pay the insurance premium by the insurance contract and insurance accident occurred, the insurer shall premium and premium calculated the proportion of claims.

Twenty-ninth maintenance, maintenance of the insured and the operator shall do a good job of vehicle insurance, and in accordance with the provisions of the test; the insurance vehicle loading must comply with the relevant provisions of motor vehicle loading of the relevant state laws, regulations, and keep it safe driving technology.
The insured and insurer driver should be based on proposals to eliminate unsafe factors and risks, timely take corresponding measures.

Article thirtieth in the period of validity of the insurance contract, the insurance vehicle resell, transfer, gift for others, change in the use or increase in the risk exposure, the insured shall notify the insurer in writing in advance and apply for correction.

Article thirty-first the insured shall not be illegal resale, transfer of vehicle insurance shall not engage in illegal and criminal activities; use of vehicle insurance.

Article thirty-second insurance vehicle insurance after the accident, the insured shall take reasonable protective measures, rescue, and immediately to the accident to the public security traffic management department and the insurer. For the less times case due to accident responsibility is unable to recognize or loss could not be determined, the insurer is unable to determine the loss and the loss of part of the enlarged, the insurer has the right to refuse compensation.
The insured shall in the traffic control department of the public security of the accident closed within 10 days from the date of the insurer to the provisions of article eleventh or the insurer can prove that all the necessary documents reason, nature, responsibility and loss of accident.

Article thirty-third the insured claims shall not conceal the fact, forged documents, manufacturing Jiaan fraud.

Article thirty-fourth the insured fails to perform the terms of article twenty-ninth to Article thirty-first, stipulates the obligation of the thirty-third, the insurer has the right to refuse to pay or from the date of written notice to terminate the insurance contract; paid, the insurer has the right to recover the prepaid insurance indemnity.

No claim bonus

Article thirty-fifth of vehicle insurance risks are covered, in the insurance year or no claim insurance annual continuous inside, the renewal can enjoy no claims bonus, rates and regulations award criteria and method to cast when approved by the insurance regulator shall prevail.
The annual insurance insurance claims don't occur, the renewal the insurance don't not enjoy no claims bonus. No renewal insurance do not enjoy no claims bonus.
No claim bonus for the year corresponding insurance premium payable based; if the renewal of insurance and the last year is not exactly the same, the same part is calculated on the basis of insurance.
Other matters

Article thirty-sixth of insurance between the parties with respect to the insurance disputes can be resolved through consultation. If no agreement is reached through consultation, may apply for arbitration or bring a lawsuit to the court. Arbitration or litigation shall be in accordance with the people's Republic of China (excluding Hong Kong, Macao, and Taiwan) the existing laws and regulations and in the people's Republic of China (excluding Hong Kong, Macao, and Taiwan) territory.

Definition thirty-seventh a contract term
(a): refers to the insurer enters into an insurance contract with the insured, and bear the compensation insurance liability insurance company, the insurance contract refers to the China Pacific Property Insurance Co.
(two) the insured: refers to insurance contracts with insurance, and insurance rights and obligations in accordance with the contract of insurance, the insurance contract is to be insured single person.
(three) the insured: refers to the property insurance contract insurance, claim insurance, the insurance contract is to be insured.
(four) the insured vehicle: refers to the object of insurance contract, the insurance contract refers to the China Pacific Property Insurance Co "motor vehicle insurance policy" as the vehicle.
(five) insurance during use of the vehicle: refers to the whole process of vehicle insurance as a tool to be used.
(six): refers to the destructive power of natural disasters to human irresistible powerful natural phenomenon.
(seven) the accident: refers to sudden unpredictable and the insured cannot control and cause material damage or casualties.
(eight) the rescue measures: refers to the time when the insurance accident occurs, to reduce and avoid rescue behavior performed the loss of vehicle insurance.
(nine) protection measures: refers to the insurance after the accident, to prevent the loss of vehicle insurance to expand and increase the implementation behavior.
(ten) the reasonable cost: refers to the protection, rescue behavior costs are direct, necessary, and in accordance with the relevant state policies and regulations.
Third (eleven): refers to the addition to the insurer and the insured, accident insurance vehicle causes the personnel or property insurance vehicles under the damages the aggrieved party.
(twelve) the escape vehicle accident insurance refers to insurance: vehicle accident, to escape legal sanction, the driver of vehicle insurance flee the scene of action; but in order to avoid personal injury, the driver abandoned the car and fled the scene and in four hours after the accident report within the initiative, not on the list.
(thirteen) a 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.
(fourteen): refers to the actual value of the vehicles of the same type vehicle insurance market new car to purchase price minus the vehicle depreciation amount after the price, rate of depreciation according to the relevant provisions of the state, depreciation according to each year after year, part of a year, excluding depreciation.
(fifteen) the change of use: refers to the period of validity of the insurance contract, the insurance vehicle to change the use of nature or modified variant.
(sixteen) increased risk: refers to the conclusion of the contract of insurance because of unforeseen or does not estimate the risk degree may increase, directly affect the insurer to decide whether or not additional insurance premiums or acceptance in the underwriting.
(seventeen): refers to the total loss of vehicle insurance insurance overall vehicle damage insurance, or seriously damaged vehicles lose value to repair.
(eighteen) the insured vehicle constructive total loss: when the actual repair expense insurance vehicle reaches or exceeds the actual value of the 80% vehicle insurance, with the consent of the insurer and the insured negotiation, as a constructive total loss of vehicle insurance, the insurer shall all loss of vehicle insurance compensation.
(nineteen) part of the loss of vehicle insurance refers to insurance: damage to the vehicle, does not meet the "partial loss total loss" or "constructive" degree.
(twenty) the new equipment: refers to the insurance vehicle factory original equipment, the insured installing additional equipment.
(twenty-one) the unilateral accident: refers to not involve damage to third parties for the accident, but does not include natural disasters caused by the accident.

The second part additional risks
The additional risks include the following risks don't:
(a) the insured loss of vehicle insurance, can insure the following additional risks:
1, the whole vehicle pilfer
2, breakage of glass
3, spontaneous combustion risk of loss
4, new equipment loss insurance
(two) based on the above insurance third party liability insurance can cover the following additional risks:
1, vehicle liability insurance
2, no fault liability insurance
3, the vehicle cargo liability insurance
(three) the special clause:
1, based on the insured loss of vehicle insurance, the following terms can be special:
(1) the optional deductible clause
(2) the mileage variable clause
2, at the same time insurance against loss of vehicle and third party liability insurance, the following terms and conditions shall be invited:
(1) the basic insurance, non deductible clause
(2) additional insurance, non deductible clause
3, as long as insurance against loss of vehicle and third party liability insurance, the following terms can be special:
(1) designated driving regional special clause
(2) the policy specified additional clauses, clause as part of the insurance contract. Additional clauses, clause and clause is differ, with additional clauses, clause shall prevail, additional clauses, clause deficiencies, to the basic clause.

Whole vehicle pilfer
In addition to the insurance contract provides otherwise, the formal license issued by the vehicle management department to purchase this insurance motor vehicles must have the provisions of the state.

The first insurance liability
(a) of vehicle insurance (including insurance Trailer) full vehicle theft, robbery, robbery, the police criminal investigation department at or above the county level for confirmation, not accounted for over three months;
(two) insurance car whole car was robbed, robbed by reasonable costs of vehicle insurance need to repair in the course of the accident;
(three) the insured vehicle theft, robbery, robbery after the damage or the car parts, ancillary equipment lost need to fix a reasonable expenses.

Second exemption from liability
(a) non full car robbery, only the car parts or ancillary equipment was stolen, robbed, robbed;
(two) the insured vehicle is attempted theft caused the loss of vehicle insurance;
(three) by other fraud or partial loss caused by the whole car;
(four) the whole car was stolen, robbed, robbed, insurance vehicle accident caused third casualties or property losses;
(five) insurance of vehicle and driver also missing;
(six) the insured fails to provide evidence, the vehicle has to stop the procedures and the motor vehicle registration certificate issued by the police criminal investigation department at or above the county level or theft and robbery cases (limited to the insurer after October 1, 2001 for going into the households registered vehicles).

Article third the amount of insurance
The sum insured by the insured and the insurer 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.

Article fourth the insured obligations
(a) the insured knew or should have become aware of the insurance of vehicle theft, robbery or robbed, should be within twenty-four hours (excluding force majeure factors) to report to the local public security department, and notify the insurer, and the insurer was declared in designated newspapers;
(two) the insured the claim to the insurer, to provide insurance, motor vehicle driving permit, the original invoice, purchase a car vehicle purchase tax certificate, issued by the original car keys, and out of the police criminal investigation department at or above the county level, theft and robbery cases prove, vehicles have to stop procedures, motor vehicle registration certificate (only after October 1, 2001 for household registration vehicle).
(three) by the provisions of the insurance does not fulfill the basic clauses twenty-ninth, thirtieth, thirty-first, thirty-third and the first paragraph of this article, paragraph second of the obligations, the insurer has the right to refuse to pay; have compensation, insurance indemnity insurers have the right to recover the paid.

Article fifth compensation processing
(a) the whole car loss
This insurance shall be 20% of the deductible franchise. But the insurance of vehicle theft, the insured fails to provide the motor vehicle license, the original invoice, purchase a car vehicle purchase tax certificate in each claim, lack of a franchise, increase 0.5%; the lack of the original car keys (any one) increased 3% franchise.
(two) part of the loss
Occurrence of Article 1 of this Clause (two), (three) the provisions of compensation calculated according to the actual loss, repair costs, the amount of insurance but not exceeding the maximum whole vehicle pilfer.
(three) the insurer to confirm the claim documents complete, effective, by the insured to sign with the rights of transfer payment, settlement.

Sixth other matters
The insurer compensation, such as theft insurance vehicle grab back, the vehicle should be returned to the insured, and recover the corresponding reparations. If the insured is not willing to take back the original car, the insurer in the actual amount of compensation to obtain insurance vehicle equity.

Broken glass separate clauses

The first insurance liability
The insured motor vehicle insurance in the use process, the car is broken glass alone, the insured according to the actual loss compensation.
The insured on the basis of consultation and the insurer, voluntary according to import windshields or domestic windscreen choose insured, the insurer shall bear the corresponding liability according to their choice of insurance.

Second exemption from liability
(a) lamps, car mirror glass broken;
(two) the insured person or the driver's intentional act, installation, repair, maintenance and broken vehicles caused by the process of.

Spontaneous loss clause

The first insurance liability
The insured motor vehicle insurance in the use process, due to the failure of the vehicle and cargo, line, electrical supply system itself on fire, caused the loss of vehicle insurance, and the insured in the event of the insurance accident, in order to reduce the loss of vehicles are spending the necessary and reasonable expenses:, the insurer is responsible for compensation.

Second exemption from liability
Due to the following reasons of loss, the insurer shall not be liable for:
(a) due to violation of the rules of safe operation of the vehicle directly manual oil supply, high temperature baking losses;
(two) the spontaneous combustion caused only electrical appliances, circuit, fuel supply system loss;
(three) cargo loss of its.

Article third the amount of insurance
By the insured and the insurer in the actual value of vehicle insurance in consultation.

Article fourth compensation processing
(a) the amount of insurance the insurer stipulated in the insurance policy of the project, according to the actual loss of vehicle insurance compensation;
(two) the insurance compensation are carried out every 20% absolute 免赔率.

New equipment loss clause

The first insurance liability
The insured motor vehicle insurance in the use process, basic risks listed in Article 1 insurance accident, causing direct damage to the car of new equipment, the amount of insurance the insurer stipulated in the insurance policy of the project, calculated according to the actual damages.

Article second the amount of insurance
The insured amount by the new equipment to determine the actual value.

Article third compensation processing
Every time the insurance compensation are deductible franchise, franchise and the way and basic insurance seventeenth the same.

Fourth other matters
For this insurance, shall specify the car new equipment schedule and price.

Vehicle liability insurance clause

The first insurance liability
The insured or the allowed qualified driver in the use process of vehicle insurance, accident insurance, the cargo vehicle suffered direct damage or car personnel casualties, economic liability for compensation according to law shall be made by the insurer, and the insured reduce losses for the necessary and reasonable treatment, protection cost, limit compensation insurer stipulated in the insurance policy is responsible for compensation.

Second exemption from liability
Due to the following causes losses, the insurer shall not be liable for:
(a) the goods and looting, natural wastage, defects, shortage, death, decay, deterioration and lost, lost in a flying animal;
(two) the illegal carriage or because of poor packaging, fastening, loading, covering the loss of goods caused by improper;
(three) cargo personnel or violation of the personnel on the car carrying personal belongings, violate the rules and regulations on the;
(four) the goods from the car drop caused the loss of vehicle and cargo insurance;
(five) because of the disease, childbirth, self mutilation, fighting, Dutch act, criminal behavior caused human casualties, the loss of the goods;
(six) any harm to the insured or their family members in the car suffered;
(seven) the personnel on the car in the car when the person casualties.

Article third the limit of indemnity
The personnel on the car and the car carrying goods compensation limit on the maximum compensation limit per person by policyholders in insurance consultation and the insurer to determine. The number of seats to insurance vehicle number of passengers.

Article fourth compensation processing
(a) the car casualties according to "the Supreme People's court" interpretation of several issues concerning the application of law in the trial of personal injury compensation case [interpretation (2003) No. 20] provisions of the scope of compensation, items and standards as well as the stipulations of the contract of insurance compensation, but each of the maximum amount of compensation shall not exceed the specified by the policy of insurance the limit of indemnity, compensation shall be limited to the insured the highest number of seats. If at the time of the accident the car carrying more than the number of passengers, the insurer according to the proportion of the number of seats and the number of liability.
(two) the cargo occurred within the scope of insurance liability insurance losses, according to fob price in compensation within the limit for compensation.
(three) each compensation shall be subject to corresponding franchise, franchise and the way and basic insurance seventeenth the same.

Vehicle cargo liability insurance clauses

The first insurance liability
The insured or the allowed qualified driver in the use process of vehicle insurance, 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 be made by the economic liability assumed by the insured, the insurer of insurance stated in the insurance indemnity for damages.

Second exemption from liability
(a) be casualties, property loss insurance and their family members;
(two) in the course of loading cargo loss caused by;
(three) the goods caused by falling insurance vehicle and cargo itself loss;
(four) gas, contained in vehicle liquid leakage caused by the third party personal injury or property damage.

Article third the limit of indemnity
The maximum compensation limit per accident by the applicant and the insurer shall determine.

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

Optional deductible clause
Only in the insurance against loss of vehicle based on the above special terms. When the vehicle damage insurance terminates, the insurance liability and termination.
Contributing to this clause policyholders in insurance and the insurer shall determine a deductible: press any other clause of insurance contract insurance should take the compensation amount calculation is less than the deductible, the insurer shall not bear the responsibility for compensation; higher than the deductible, the insured person after deducting the deductible, compensate for the higher part. Choose this warranty, indemnity formula: = insurance claims are calculated according to the vehicle damage compensation - selected deductible.
Against the terms of the insurant may according to the selected deductible different enjoy corresponding preferential rates.
The insured after insurance accident happens, we should further expand the timely rescue and avoid loss, if the insured fails to reasonable rescue obligations so that the losses are increased, the insurer has the right to part of the loss of the loss or to expand to a refusal.
This provision does not apply to the breakage of glass, whole vehicle pilfer and vehicle to stop loss insurance.
Contributing to this clause, deductible shall not change the main clause.

Mileage variable clause
Only in the insurance against loss of vehicle based on the above special terms. When the vehicle damage insurance terminates, the insurance liability and termination.
Contributing to the terms of the insured, the insured and insurance consultation: when depreciation according to the mileage of state calculation rate is lower than the annualized rate, determine insurance amount insurance vehicle total loss rate according to the mileage of computing depreciation. According to the mileage of the depreciation rate is calculated as follows: the highest rate of depreciation = the insured has mileage accumulated number / national accumulated mileage.
Contributing to this clause, deductible shall not change the main clause.

The basic insurance, non deductible clause
Only in the insured vehicle damage insurance and three party liability insurance foundation is special the clause. When either the vehicle damage insurance and third party liability insurance in the insurance liability is terminated, the insurance liability and termination.
Special motor vehicle the terms of occurrence accident compensation insurance, the amount of compensation in accordance with the accountability deductible the amount specified in the basic insurance provisions for calculation, the insurer is responsible for compensation.

Following the deductible amount, the insurer shall not be liable for:
Deductible amount 1 of the additional risks under the provisions of the;
Due to the insured claims failed to provide the necessary documents and increase the deductible amount 2 provisions in insurance contract;
The insured, the insured person fails to perform or not completely fulfill their obligations and increase the deductible amount 3 provisions in insurance contract;
Because the insurance vehicle insurance in a year and more than four times the claim and increase the deductible amount 4 provisions in insurance contract.

Additional insurance, non deductible clause
Only in the insured vehicle damage insurance and three party liability insurance foundation is special the clause. When either the vehicle damage insurance and third party liability insurance in the insurance liability is terminated, the insurance liability and termination.

Special insurance vehicle the terms of occurrence accident compensation insurance, the calculation in accordance with the provisions on its cover additional insurance indemnity amount within the deductible amount, the insurer is responsible for compensation.
But following the deductible amount, the insurer shall not be liable for:
Deductible amount 1 basic risks under the;
Due to the insured claims failed to provide the necessary documents and increase the deductible amount 2 provisions in insurance contract;
The insured, the insured person fails to perform or not completely fulfill their obligations and increase the deductible amount 3 provisions in insurance contract;
Because the insurance vehicle insurance in a year and more than four times the claim and increase the deductible amount 4 provisions in insurance contract.

The specified drive regional special clause
As long as insurance against loss of vehicle and third party liability insurance can be special clauses. When the vehicle damage insurance and third party liability insurance is terminated, the insurance liability and termination.
Contributing to the vehicle insurance clauses, the insured in the insurance and the insurer agreed travel region in the following range, as the contract of insurance coverage, insurance only when the insurance vehicle to agreed regional insurance accident compensation, driving out the agreed area, regardless of any accident, insurance per capita is not liable for compensation.

1 exit: refers to the insured vehicle beyondThe Chinese peopleThe people's Republic of China (excluding Hong Kong, Macao, and Taiwan) within the territory of china;
2: the territory of vehicle insurance only in the people's Republic of China (excluding Hong Kong, Macao, and Taiwan) domestic travel;
3: refers to the insured vehicle only at the province, autonomous region, municipality directly under the central government agreed in the contract;
4. designated area: refers to the insured vehicle is not in the road, city street and Hutong (Lane), as well as public squares, public parking place for vehicles, pedestrians travel, only in the site, airport, factory, dock fixed range.
The insurer executes the specified range according to different insured different rates.

Contributing to this clause, deductible shall not change the main clause