Clause

Project

Safety

The people's Insurance

Taibao

Explain

The commercial three party insurance

Exemption from liability

The victim and the insured or allows the driver to malicious collusion

No

The third and the insured or other damage caused by malicious collusion behavior

The intentional act of the victim's loss

The insured person or the driver or allowVictimDeliberately causing accidents

Caused by the insured or the driver deliberately behavior loss

The third, the insured or the allowed the driver's intentional act

In the competition, insurance vehicle detection, repair, maintenance, custody, requisition, confiscation, the whole car was theft, robbery, snatch during

Competition, test,The coachIn the business of repair, maintenance, repair, maintenance period place

In the competition, test,The exhibitionDuring the period, repair, maintenance in place of business,RefitPeriod.By lifting, transport period;

People's insurance does not pay the coach period; Taibao in exhibition, modification, lifting, transportation, during the stop without compensation

The insured motor vehicle theft, robbery, snatch period caused third casualties or property losses

The whole car was stolen, robbed, robbed, One's whereabouts is a mystery. period;

During the stopDuring the period, was seized, confiscated, seized, the government expropriated

A transfer of ownership, not to the company to revise procedures

The insured motor vehicle transfer to others, not to the insurer to revise procedures

To change the use of natureOr ownership transfer, not to the insurer to revise procedures

To change the use of nature, peace, people's Insurance in the insured obligations embodied in

Learning driving without a coach with the vehicle guidance

No

No

The coach vehicle guidance to liability insurance

The insured or permits driving people and their families, and all the casualties or property in the custody of the loss

The insured and the family members of the person casualties, all or the escrow property loss

The insured person or the driver, the lessee allow all, use, management, transportation or the escrow property loss

The third do not include insurance Taibao; third do not include family members

People and their family members to drive the car insurance for motor vehicle personal injury, all or escrow property loss

The car's personal injury or property damage to the car

The insurance of motor vehicles the vehicle other personnel casualties or property losses

Property of the car loss

No definition

The third definition: because the insured motor vehicle accidents suffered casualties or property losses, but does not include the insured motor vehicle the personnel on the car, the insured, the insured and theThe insurer.

The third definition: refers to the insurance of motor vehicle accident victims, but does not include the insurance of motor vehicles the personnel on the car, the insured.

Any losses and expenses, vehicle cargo drop, leakage caused by corrosion

No

No

Safety car air drop additional risks

Parking fees, custodial fees, buckle and all kinds of fine fare

No

No

Christmas Special

According to the insurance franchise calculation of the insured shall bear part of the

No

No

Christmas Special

No

Arbitration or litigation expenses and other related expenses

Legal fees, legal fees, arbitration fees, fines, penalties or punitive damages, and without the prior written consent of insurance inspection fees, appraisal fees, assessment fees

The people's insurance, CPIC has legal fees clause

No

No

The replacement of engine, body, chassis in any two or two or more, not in accordance with the relevant state provisions for change in registration and to the insurer to revise procedures

Taibao unique

No

No

Special machinery wheeled vehicles, articulated bus, full trailer and other designed maximum speed is less than seventy kilometers into the highway vehicle

Taibao unique

No

No

The insured the claim to the insurer, not according to the provisions of article fifteenth, paragraph (two) proof submitted should be submitted to the accident

Taibao unique

No

No

By lifting, lifting property loss;

With the corresponding provisions of special vehicles in terms of PICC

Motor vehicle insurance in the course of the tipping bucket suddenly rises, not put down the bucket, dump system (including parts);

During the operation because of the loss of property, mobile or weakening of support caused by vibration and casualties

Treatment of claim

The designated insurance vehicle drivers, by non designated driving insurance vehicle insurance accident, orThe specified driver insured provide information that is not trueWhen compensation increased 10%, the absolute 免赔率.

The specified drive people buy insurance, accident insurance for non designated driver using the insured motor vehicle, increase the franchise 10%.

The specified drive people buy insurance, but the insurance accident insurance, motor vehicle driver's designated driver is not specified in the insurance contract, 10% increase in the absolute 免赔率.

Peace have designated driver information is not true and set deduct deductible insurance Taibao, no

Because of the insurance accident caused third property loss, the loss of theThe residual partBy the company, the insured and the negotiation process. If the discount to the insured, its value is determined by both parties through negotiation, and deduction in the indemnity.

No

No

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

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

No

The vehicle damage insurance

Insurance liability

Fire, explosion

Fire, explosion (family car, non business car)

Fire, explosion

The people's insurance business car does not fire, explosion

No

No

Insured vehicle cargo, personnel on the car accident impact

Gestapo responsibility wide

Exemption from liability

The earthquake

The earthquake

The natural disaster is not listed in the liability insurance

Impact, corrosion of cargo by the car

The insured motor vehicle cargo fall, collapse, collision, leakage loss

No

Tai Baopei

In violation of the provisions of relevant laws and regulations of motor vehicle loading

Due to the violation of regulations on safe loading cause insurance accident (business car)

Motor vehicle in violation of relevant provisions of motor vehicle insurance "loading of the people's Republic of China Road Traffic Safety Law" and other laws and regulations

The only business car overload except

Mirror damage alone, lamp damage alone

No

No

The unique except for peace

The insured suffers because of vehicle insurance cannot use the losses and expenses

No

No

Christmas Special

Parking fees, custodial fees, buckle and all kinds of fine fare

No

No

Christmas Special

Insurance deductibles and according to insurance franchise calculation of the insured shall bear part of the loss

No

No

Christmas Special

No

No

The water tank or the engine single freezing

Taibao unique

No

No

Legal fees, legal fees, arbitration fees, fines, penalties or punitive damages,And without the prior written consent of insurance inspection fees, appraisal fees, assessment fees

Taibao unique

No

No

The insurance of motor vehicles no driver operated by sliding or remote start;

Taibao unique

No

No

The special vehicle operations vehicle lost focus

With the corresponding provisions of special vehicles in terms of PICC

Motor vehicle insurance fixed equipment, equipment because of its intrinsic mechanical or electrical failure caused by its loss;

Insurance of motor vehicle lift, lifting objects caused loss;

Treatment of claim

When insurance accident happens, the insurance vehicle in violation of the relevant provisions of laws and regulations of motor vehicle loading, butIllegal loading causes not insurance accident, increase10%Absolute 免赔率.

Security breach loading requirements, increase the franchise5%(business car)

No

Taibao has overload causes except, it causes the deductible; people's insurance business car non deductible, no other car

No

The insured according to the provisions of relevant laws and regulations to choose negotiation to deal with traffic accidents, can not prove that the cause of the accident, the franchise for the20%;

No

The unique

No

Multiple insurance accident insurance period (except for natural disasters caused by accident), franchise from third at the beginning of each increase5%. (business car)

No

People's insurance business car has many added free

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

No

No

The people's insurance, Pacific Insurance in the deductible clause of