Peoples Insurance Company of China family car insurance clause

Number: A0106Z14000P040922---1000
General provisions
Covered by insurance, the insurance contract, single, single batch and special agreement. Relating to the insurance contract, shall be made in written form.
Second the insurance contract in the family car is refers to the people's Republic of China (excluding Hong Kong, Macao, Taiwan) family or personal travel at all, and uses for the passenger seat approved non profit making transport in 9 the following.
Third this insurance contract is not valued insurance contract. The insurer shall bear the insurance do not assume insurance responsibility, additional risks not alone accept insurance.
Insurance liability
During the fourth insurance, the insured or the allowed drivers in the use of insurance vehicle process, due to the following reasons caused the loss of vehicle insurance, the insurer is responsible for compensation in accordance with the provisions of the insurance contract:
(a) collision, overturned, fall;
(two) the fire, explosion, combustion;
(three) external object falling, falling;
(four) the storm, tornado;
(five) the lightning, hail, rainstorm, flood, tsunami;
(six) subsidence, ice trapped, cliff collapse, avalanche, debris flow, landslide;
(seven) the ferry carrying insurance vehicle suffered natural disasters (limited to the driver with the ship's case).
The fifth time when the insurance accident occurs, the insured to prevent or reduce the loss of vehicle insurance payment necessary, reasonable labor expenses, shall be borne by the insurance, the maximum amount not exceeding the insured amount. responsibility
Article sixth the following conditions, regardless of any reason for loss of vehicle insurance, insurance per capita is not responsible for compensation;
(a) earthquake;
(two) the war, the military conflict, terrorism, violence, detention, seizure, confiscation, expropriation;
(three) competition, test, repair, maintenance in the business place of repair, maintenance period;
(four) to engage in illegal activities by the insured vehicle;
(five) the driver drinking, smoking or injecting drugs, drug anesthesia is used vehicle insurance;
(six) after the accident, the insured or the allowed drivers in failing to take measures in the case of driving a vehicle or abandoned vehicles fleeing the scene of the accident, or vandalism, falsifies the scene, destruction;
(seven) the driver in any of the following circumstances;
1, no driver's license or driving license expired;
Motor vehicle and driving license, driving out the 2 quasi driving type does not match;
3, the provisions did not the name of a driver's license, and temporarily, detain, revocation, cancellation of driver's license to drive a motor vehicle during.
4, in accordance with the relevant provisions of laws and regulations or traffic management departments are not allowed to drive a motor vehicle driving under other circumstances.
(eight) non insured allows drivers to use of vehicle insurance;
(nine) unless otherwise agreed, insurance accident insurance vehicle without the traffic management department issued vehicle license plates, or not according to the provisions of the inspection or inspection unqualified.
The losses and costs seventh of vehicle insurance, the insurer shall not be liable for:
(a) the natural wear and tear, rot, corrosion, fault;
(two) broken glass alone, individual wheel damage;
(three) no obvious collision traces body scratch;
(four) artificial direct supply, high temperature baking losses;
(five) the spontaneous combustion caused only electrical appliances, circuit, fuel supply system loss;
(six) suffered the loss of insurance coverage in losses, without the necessary repair continue to use the insurance vehicle, thus enlarging the losses of;
(seven) because of pollution (containing radioactive pollution) loss;
(eight) the market value change value caused by reduced loss due to depreciation, repair;
(nine) the standard configuration outside of new increased loss;
(ten) cause the engine inlet of engine damage;
(eleven) insurance the goods carried by the vehicle crash, collapse, collision, leakage loss;
(twelve) theft, robbery, snatch, and because by the theft, robbery and theft damage or the car parts, accessory equipment loss;
(thirteen) is caused by the intentional act the insurer or the driver's loss.
Eighth other does not belong to the scope of insurance liability losses and expenses.
Insurance amount
Article ninth the amount insured by the insured and the insurer from the following three ways to choose, the insurer shall bear the corresponding liability for compensation according to the different way of determining the amount of insurance:
(a) according to the insurance insurance vehicle new car to purchase price.
The insurance contract in the new car purchase price refers to the insurance contract with the type of car (including the vehicle purchase tax) price.
The insured car purchase price is determined on the basis of the insurance contract is signed with a type of new market sales price policy, which shall be stated in the insurance policy, without the same type car market sales prices, determined in consultation by the insured and the insurer.
(two) the actual value is determined according to the insurance vehicle insurance.
The actual value of the insurance contract refers to the new car to purchase price minus the depreciation amount after the price.
Actual value of the insured when the insurance vehicle according to the insured car purchase price minus the depreciation amount of price determination.
The family car of the year old monthly depreciation rate of 0.6%, less than in January, excluding depreciation. The highest depreciation does not exceed the amount of insured insurance vehicle new car to purchase negotiated price.
(three) in the insured vehicle new car insurance purchase price determined in consultation.
During the period of insurance
Tenth unless otherwise agreed, the insurance period is one year, to the end of time specified by the policy prevail.
The insurer obligation
Eleventh insurer's underwriting, shall apply to the insured that liability insurance, liability insurance exemption, insurance period, insurance and payment, the insurer and the insured obligations.
Article twelfth the insurer shall timely accept by accident report of the insurer, and the survey as soon as possible.
In 48 hours the insurer after receiving the report is not to survey and not to accept the advice, causing the loss of property could not be determined, damage, loss, accident certificate photos list and repair invoices as compensation adjustment according to provide the insured property.
Article thirteenth insurance receipt of the insured's claim, it shall timely verification.
(a) insurers should be based on the nature of the accident, loss, in a timely manner to provide the claim is insurance claims that: audit material evidence and materials related to the incomplete, it shall timely notify the insured additional evidence or.
(two) the insured to provide the necessary documents, the insurer shall promptly review, and verification results inform the insured.
(three) belonging to the insurance liability, insurance should be the insured and reached a compensation agreement within 10 days after the payment of indemnity.
Article fourteenth the insurer to know in handling the insurance business of the insured, the insured business and property and personal privacy, confidentiality obligations.
The insured, the insured obligations
Fifteenth the applicant should fill out the application form and answer the insurer queries, perform the duty of disclosure.
In the insurance period, insurance vehicle modification, adding or engaged in the transportation business, lead to the danger degree of insurance of vehicles increase, shall notify the insurer in writing promptly. Otherwise, due to the increased risk of vehicle insurance accident insurance, the insurer shall not be liable for.
Sixteenth the applicant shall, when the insurance contract is established a full payment of insurance: insurance fees paid before the occurrence of the insured, the insurer shall not be liable for.
Seventeenth insurance accident, the insured shall take timely and reasonable, necessary rescue and protection measures, to prevent or reduce losses, and notify the insurer within 48 hours after insurance accident happens. Otherwise, resulting in the loss of uncertain or expanded sections, the insurer shall not bear the liability of compensation.
Eighteenth after an insurance accident occurs, the insured shall actively assist the insurer in field mapping.
The insured shall provide the relevant certificates and materials in a claim.
Occurrence and insurance related arbitration or litigation, the insured shall notify the insurer in writing promptly.
Nineteenth insurance accident caused by damage to the third party of vehicle insurance, insurance people paid indemnities to the insured, the amount of compensation, the scope of subrogation insured to third party the right to compensation, but the insured must assist the insured to third party claim.
Due to the insured to give up on the request for compensation for the third party's right or fault of the insured is unable to exercise the subrogation rights, the insurer shall not bear the liability for compensation or deduct the amount of indemnity.
Treatment of claim
Article twentieth the insured claims, and to confirm the insurance accident shall be provided to the insurer that nature, reasons, and other material relevant to the extent of the loss.
The insured shall provide insurance, list of losses, costs related documents, insurance vehicle permit and accident driving into the driving license.
Road traffic accident belongs to, the insured shall provide a certificate issued by the public security traffic management departments or institutions such as courts of the certificate of the accident, the relevant legal documents (judgment, mediation book award, award, etc.).
Non traffic accident belong, shall provide the relevant proof of the accident.
Twenty-first insured or insurance vehicle drivers according to relevant laws and regulations to choose negotiation way of handling traffic accident, it shall immediately notify the insurer, assist the insurer accident vehicle inspection, verification of the parties responsible for the accident, and in accordance with the "traffic accident handling procedures" signed a recording that traffic accident agreement.
Twenty-second because insurance vehicle insurance accident damage, should try to repair. Repair of the insured person shall, jointly with the insurer examination, consultation project, and cost of the repairs. Otherwise, the insurer has the right to re approved; can not be re approved, the insurer has the right to refuse compensation.
Twenty-third insured at the time of the application of the specialized factory, after insurance accident happens, the insurer has the specialized qualifications recommended insurance vehicle repair shop for repair; if the applicant does not choose the specialized factory of the insured, after insurance accident happens, the insurance people recommend repair qualification is not less than two repair shop for repair.
Article twenty-fourth insurance vehicle suffered residual part after the loss to the insured, its value is determined by both parties through negotiation, and deduction in the indemnity.
Article twenty-fifth insurance according to the insurance vehicle accident liability ratio are negative in the accident, bear corresponding responsibility for compensation.
The insured or the insured vehicle driver selection based on the negotiation or not to determine the proportion of the accident by the traffic control department of the public security processing accident, the relevant laws and regulations, the written consent of the insured, the proportion of liability accident insurance is determined according to the following provisions:
The insurance side of the vehicle to bear the main responsibility for the accident, proportional liability accident 70%
The negative equivalent accident liability insurance vehicle side, proportional liability accident 50%
Negative secondary liability insurance in the vehicle, proportional liability accident 30%
Article twenty-sixth the insurer in accordance with the following methods deductible:
(a) negative secondary liability franchise was 5%, the negative equivalent accident responsibility exempts the odds of 8%, bear the primary liability franchise for 10%, bear all liability or unilateral Ching accident franchise for.
(two) occurred in fourth of vehicle insurance liability insurance included in the scope of the loss of the third party should be responsible for compensation, unable to find the third party, the franchise for 30%
(three) the insured according to the provisions of relevant laws and regulations of their choice and consultation to deal with traffic accidents, can not assist the insurer accident vehicle inspection parties, franchise is 30%
(four) the insured when the driver, insurance accident occurs when the non contract for drivers to use vehicles, increase the franchise 5%.
(five) each compensation deduct deductible of $500, on this basis, in accordance with the provisions of (a) to (four) the amount of compensation provisions of the franchise calculation.
Article twenty-seventh the insurer according to the following way of calculating the amount of compensation
(a) according to the insurance insurance vehicle new car purchase price to determine the amount of insurance, insurance for the vehicle reparations computation:
1, occurred in all the losses, calculation of compensation in the insurance, the insurance amount is higher than the insurance accident insurance vehicle real value, to calculate the actual value of compensation according to the insurance accident insurance vehicle:
Loss of vehicle insurance claims = (actual value - residual) × proportional liability accident.
The actual value of insurance accident insurance of vehicles according to the occurrence of the insurance accident car purchase price minus the depreciation amount of price determination.
The occurrence of the insurance accident car purchase price is determined according to the insurance contract the same type of car market price when insurance accident happens, without the same type of new car market selling price, determined by the insurer and the insured by negotiation.
2, where there is a partial loss, according to the approved repair cost calculation of compensation, the actual value but not over the insurance accident insurance vehicle:
The loss of vehicle insurance claims = (approved repair costs - residual) × proportional liability accident.
(two) determine insurance amount or negotiate insurance amount of actual value according to the insurance insurance vehicle insurance claims, losses calculation for vehicle:
1, all the losses, the insurance amount insurance accident insurance is higher than the actual value of the vehicle, to the actual value of insurance accident insurance vehicle calculation of compensation:
Loss of vehicle insurance claims = (actual value - residual) × proportional liability accident.
The insured amount is equal to or lower than the insurance accident insurance vehicle real value, calculated according to the amount of insurance compensation:
Loss of vehicle insurance claims = (insurance salvage) × proportional liability accident.
2, where there is a partial loss, according to the insurance amount and the same insured car insurance purchase of vehicles sit by calculating the ratio of the actual value of compensation, but not over the insurance accident insurance vehicle:
Compensation for the loss of vehicle insurance (= approved repair expenses salvage) × proportional liability accident * insurance amount / car insurance insurance vehicle purchase price.
(three) the rescue expenses compensation calculation with the (a), (two), calculated separately in the insurance vehicle amount of damages, the maximum not exceeding the insured amount.
By the rescue of the property insurance contract does not cover, comprising the property, pro rata rescue insurance vehicle and salvage value of the property.
(four) the total amount of each insurance compensation:
Total loss = (insurance indemnity + rescue vehicle fee claims - deductible) * (1- franchise and).
Article twenty-eighth insurance vehicle insurance, the insurer in accordance with the total amount of insurance the insurance contract with the insured amount of the liability ratio.
The amount of compensation to the insurer shall be liable for the other, the insurer is not responsible for finance.
Article twenty-ninth the insurer accepts the report, the site survey, participate in litigation, to defend, to the insured to provide professional advice behavior, does not constitute the insurance liability for commitment.
Article thirtieth the following conditions, the insurer to pay the compensation, the termination of the contract, the insurer is not returned home car insurance and additional insurance premium:
(a) occurred in all the loss of vehicle insurance;
(two) according to the actual insured insurance vehicle value determine insurance amount, an amount of compensation and the deductible amount and (not including the actual rescue fees) to insurance accident insurance vehicle:
(three) the actual value of the insured amount is less than the insured when the insurance vehicle, a claim and the amount of deductible amount and (not including rescue fees) to the amount of insurance.
Premium adjustment
Vehicle insurance the insurance renewal and additional insurance compensation without the occurrence of thirty-first a period of insurance, and insurance for the duration of one year, can enjoy preferential treatment without compensation insurance. Continuous multiple insurance did not occur during the insurance and additional insurance compensation, insurance premium discount ratio increased year by year.
Insurance and additional insurance compensation occurs on a period of insurance, the insurance compensation according to the times, improve the insurance renewal.
Provisions of the approved premium adjustment ratio and approach to the insurance supervision department rate rules shall prevail.
Alteration and termination of the contract
Article thirty-second the contents of the insurance contract needs to change, must be approved by the insurer and the applicant agreed in writing.
Thirty-third in the insurance period, insurance vehicle transfer to others, the insured shall notify the insurer in writing and to revise procedures. Not to revise procedures, the insurer shall not bear the liability of compensation.
Article thirty-fourth the insurance liability begins, an applicant requests to terminate the insurance contract, shall provide the insurer pay insurance premium of 5% of the portion of the fees, the insurer shall return the insurance premium.
After the commencement of the insurance liability, the applicant requests to terminate the insurance contract, the insurer shall inform the date of termination of the contract, insurance. The insurer of insurance liability to collect from the date of termination of the contract the date when the insurance premium by the short-term fee rate, and refund the remaining part of the premium.
A short month rate table

The insurance period (month)
1
2
3
4
5
6
7
8
9
10
11
12

A short month rate (%)
10
20
30
40
50
60
70
80
85
90
95
100

Note: the insurance period is less than a month, according to one month.
Dispute settlement
Thirty-fifth dispute arising from the performance of the contract of insurance, settled by the parties through consultation. If no agreement is reached through consultation, to submit to arbitration agency of insurance stated. The insurance policy does not specify an arbitration institution or after the occurrence of the dispute did not reach an agreement on arbitration, to the people's Court of the people's Republic of china.
Thirty-sixth this insurance contract dispute applicable laws of people's Republic of china.
Supplementary articles
Article thirty-seventh of the contract of insurance (including additional risk) in the following terms.
Not valued insurance contract: refers to the value of insurance in case the parties conclude when insurance contract is not pre determine the subject matter of the insurance, the actual value but the insurance accident happens according to insurance mark insurance value of insurance contract.
Collision insurance: refers to the vehicle and outside objects directly contact and accidental impact, the impact of trace phenomenon. Including insurance vehicles according to the provisions of carriage of goods, cargo and external objects of accidental impact.
Tipping: refers to an accident caused insurance vehicle overturned (two above ground, the ground), in the loss of normal and driving ability, restore the running state without rescue not.
Fall: refers to the insured vehicle accidents in a moving vehicle, flight after falling, caused the loss of vehicle. Non vehicle flight, loss of vehicle insurance is only caused by the bumpy, not of the crash responsibility.
The fire caused insurance: the vehicle itself in time or space fire, burning out of control (i.e., heat, light, fire violent oxidation reaction) caused by 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.
Collapse: refers to the crust and natural variability, because the sudden collapse of the tide, and stratigraphic contraction River, heavy rain, a hole, cave underground, so that the ground suddenly caved.
Glass damage alone: that do not occur in other parts of the body damage to the vehicle, only damaged windshield and side window glass vehicles before and after the.
Individual wheel damage: damage did not occur in other parts of the vehicle, only tire, wheel rim, wheel cover separately damage, damage or the common among the three arbitrary two, common damage or three persons.
Competition: refers to the insured vehicle as the race such as vehicle competition, including the competition for the purpose of training activities.
Test: refers to the performance of the insurance vehicle and technical parameters for measurement or test.
Spontaneous combustion: refers to in the absence of external fire case, because the vehicle the vehicle electrical appliances, circuit, fuel supply system and its causes of failure or cargo itself causes a fire burning.
Pollution: refers to the normal use of the vehicle insurance or accident, because the oil, gas, goods or other pollutants, discharge, leakage, spatter scattered, deteriorates the defaced or status of vehicle insurance.
Transportation: refers to the business by the Department of transportation management issued by the operating certificate, the insured or the insured vehicle drivers use allowed engaged in passenger transportation, freight transportation act. Without the traffic management department issued by the operating certificate, the insured or the allow drivers for the purpose of profit, in the transport of passengers, cargo transportation insurance vehicle use, as transportation business.
Unilateral accident: refers to not involve third parties to send the accident loss compensation, but does not include natural disasters, accidents caused by.
Transfer: refers to the transfer of ownership for the purpose of vehicle insurance, punishment behavior. The insured to transfer of ownership for the purpose, will the insurance vehicle delivery of others, but shall not transfer (transfer) registration, regarded as the transfer.
Article thirty-eighth the insurer in accordance with the approved insurance supervision department of motor vehicle insurance premium rate calculation rules.
Thirty-ninth based on the family car insurance on the vehicle, the insured may insure against any additional risks.
Additional clauses matters, this clause shall prevail.

Additional clauses
Pilfer rush to deal with an emergency clause
Number: A0106Z00F01P021205 - 1000
The first insurance liability
(a) insurance of vehicle theft, robbery, snatch, the accident investigation department at or above the county level public registration certificate, 60 full days did not identify the whereabouts of the whole car loss.
(two) insurance vehicle car theft, robbery, robbery, is damaged or car parts, ancillary equipment lost the reasonable expenses needed to repair.
(three) in the vehicle insurance is robbed, robbed the process, by the reasonable expenses needed to repair damage.
Second exemption from liability
(a) non car thefts, only the car parts or ancillary equipment was stolen or damaged.
(two) insurance car cheated, fines, seizure of losses;
(three) the insured for civil, economic disputes caused by robbery, snatch of vehicle insurance;
(four) the leased vehicle at the same time with the lessee missing;
(five) the whole car was theft, robbery, snatch period, insurance vehicle caused third casualties or property losses;
(six) the insured and members of their families, caused by the intentional act of the insured to allow the driver or violations of the loss;
Article third the amount of insurance
The insured amount determined in consultation by the insurer and the insured when the insurance insurance actual value of vehicle.
Article fourth compensation processing
(a) the insured vehicle theft, robbery that insurance, robbery, should be reported within 24 hours out of the local public security criminal investigation department, and notify the insurer.
(two) insured claims, must provide the insurance policy, "motor vehicle driving permit", "motor vehicle registration certificate", vehicle origin certificate, proof of vehicle purchase tax payment (surcharges on vehicle purchase tax exemption certificate, proof of payment) or vehicle to stop the procedures and the insurance sector over the police criminal investigation when the county issued robbery case.
(three) car loss calculation, the amount of insurance compensation free, and closed 20% odds, the insured fails to provide the "motor vehicle driving permit", "motor vehicle registration certificate", vehicle origin certificate, proof of vehicle purchase tax payment (vehicle purchase surcharge payment certificate) or tax exemption certificate, each missing a 1% increase in free.
A part of the loss, in the insurance according to the actual repair cost calculation of compensation.
(four) the insured claims, failed to provide the vehicle to stop procedures or loss at or above the county level public security criminal investigation department issued by the ownership registration certificate, the insurer shall not bear the liability of compensation.
(five) the insurer to confirm the claim documents complete, effective, be insured to sign a letter of subrogation, insurer compensation case.
(six) insurance car whole car theft, robbery was found;
The insurer has not yet paid compensation, the vehicle should be returned to the insured.
The insurer has paid compensation, the vehicle should be returned to the insured, the insured shall indemnity returned to the insured; insured do not agree with the recovery vehicles, vehicle ownership by the insurer, the insured shall assist the insurer shall handle the relevant procedures.

Broken glass separate clauses
Number: A0106Z00F02P021205 - 1000
The first insurance liability
Insurance car windscreen or glass window alone and broken, the insurer is responsible for compensation.
Article second insurance
The applicant and the insurer may negotiate by selecting import or domestic glass cover. The insurer according to the consensus choice of insurance shall bear the corresponding liability for compensation.
Third exemption from liability
Installation, repair vehicles caused by the process of broken glass alone
Fourth other
This additional risk occurrence loss, during the period of this insurance renewal, does not affect the no claim insurance treatment in addition to other types of insurance the insurance.

The vehicle to stop loss insurance clause
Number: A0106Z00F06P021205 - 1000
The first insurance liability
Due to the vehicle damage insurance accident insurance, the insurance vehicle to stop, the insurer shall bear the liability for compensation in the amount of insurance policy stated in.
Second exemption from liability
(a) the insured person or the driver is not timely insurance vehicle repair or delayed repair time loss;
(two) for the repair quality of unqualified, repairing damage caused by.
Article third the amount of insurance
The amount of insurance in the insured at the agreed date compensation amount multiplied by the agreed compensation to determine the amount of compensation agreed on days; the highest is 300 yuan, the agreed compensation days for a maximum of 60 days.
Article fourth compensation processing
The whole car loss, calculation of compensation by the insurance amount insurance stated; a part of the loss, in the insurance according to the agreed date of compensation amount multiplied by the actual number of days from the date the date of repair date of calculation of compensation, the actual number of days over both sides agreed to repair the days, both parties agreed to repair days shall prevail.
In the period of insurance, claim amount accumulative total insurance amount specified by the policy, the additional insurance termination.

Body scratch damage insurance clause
Number: A0106Z00F05P021205-1000
Article 1 Scope
Apply to the insured vehicle damage insurance domestic for private use or non business use, in the life span of 3 years, 9 the following passenger car.
Article second liability insurance
Body scratch loss no collision traces, caused by the intentional act of insurance personnel and family members of the loss.
Third exemption from liability
Is caused by the intentional act insurers and members of their families, the driver and the family members of the loss.
Article fourth the amount of insurance
Insurance amount to 5000 yuan.
Article fifth compensation processing
In the insurance according to the actual cost of repairs calculation of compensation.
During the period of this insurance, indemnity amount accumulative total amount of insurance, the additional insurance termination.

Irrespective of percentage clause
Number: A0106Z00F03P040922 - 1000
The special agreement, after insurance accident happens, calculated in accordance with the provisions of the franchise clause corresponds to the insured shall be deductible amount, shall be borne by the insured, the insurer is responsible for compensation.
Any of the following circumstances, shall be deductible amount shall be borne by the insured, the insurer shall not be liable for:
A loss of vehicle insurance, third party should be responsible for compensation and cannot find the third party:
Increase of two, due to the violation of regulations on safe loading:
Three, the insured in accordance with the relevant regulations of their choice and consultation to deal with traffic accidents, but can not assist the insurer accident vehicle inspection parties.
Four, because the number of insurance indemnity insurance period and the increased:
Five, non designated drivers to use insurance car insurance accident occurs to increase;
The provisions of six, additional clauses.

Not deductible clause
Number: A0101Z00F02P040922 - 1000
The special agreement, after insurance accident happens, in accordance with the provisions of the main clause corresponding insurance shall be deductible, shall be borne by the insured, the insurer is responsible for compensation.

New equipment loss clause
Number: A0106Z00F01P040922 - 1000
The first insurance liability
Motor vehicle insure the additional risk due to the loss of vehicle insurance liability within the scope of the accident, causing direct damage to the car new equipment, the insurer stipulated in the insurance policy this additional insurance amount, calculation of compensation in accordance with the actual loss.
Article second the amount of insurance
The insured amount according to the actual value of the new equipment added to determine.
Article third compensation processing
The main clause each compensation provisions franchise by the terms corresponding to quasi.
Fourth other matters
This insurance refers to the newly added equipment, refers to the insurance vehicle factory original service item of equipment, the insured with equipment and advanced application. The insured shall specify the car, new equipment specification and price.

Rescue clause
Number: A0106Z00F11G021205 - 1000
Insured loss of vehicle insurance vehicle, can add the special clause.
The first insurance liability
Insurance accident happens in the vehicle or fault in the running process, the underwriter gives the following compensation or relief;
(a) under the following circumstances, the insured against loss or reduce the payment of insurance vehicle necessary, reasonable labor charges, should assume by insurant, insured negative:
1, the vehicle damage insurance, not full insurance and the insured bear their own costs;
2, according to the vehicle damage insurance terms, according to the driver when the insurance accident responsibility in proportion shall be deductible from the insured application, provide the following salvage insurance;
3, by the third party shall bear the cost of the rescue, the insured is unable to recover the payment.
(two) in relief area agreed, as a result of an accident or fault occurs due to vehicle insurance insurance vehicles can not travel, by the insured person's application, provide the following salvage insurance:
1, the trailer (vehicle towed to distance out of place recent repair place);
2, simple fault site emergency repair;
3, the insurance vehicle due to lack of oil, electricity and can not run, the insurer with the oil (each limited to 10 liters), charge;
4, the replacement of tires.
Article second liability waivers
(a) vehicle salvage expenses caused by the agreement of the vehicle damage insurance clause in the insurance liability exemption, shall not be liable for indemnity;
(two) non insurance to provide relief the costs incurred, the insurer shall not be liable for;
(three) fuel and spare parts, replacement of tires and other costs, the insurer shall not be liable for;
(four) the provisions of the laws or the relevant state departments are not allowed to enter the area, the insurer is not liable for salvage;
(five) the other does not belong to the scope of the warranty liability losses and expenses, the insurer shall not be liable for;
Article third in the insurance period occurred only in this Clause 1 (two) of the compensation, does not affect the no claim insurance treatment outside the clause of insurance.

Peoples Insurance Company of China non business automobile insurance clause

Peoples Insurance Company of China non business automobile insurance clause
Number: A0106Z15000P040922-1000
General provisions
Covered by insurance, the insurance contract, the insurance policy, a single batch and special agreement. Relating to the insurance contract, shall be made in written form.
Second this insurance contract in non business automobile refers to the territory of the people's Republic of China (excluding Hong Kong, Macao, Taiwan) running the party and government organs, enterprises and institutions, social organizations, embassies and consulates and other institutions engaged in business or in the production and operation activities not directly or indirectly from the freight or hire the car, including passenger cars, trucks, vans.
Third this insurance contract is not valued insurance contract, the insurer in accordance with the insured, don't assume insurance responsibility, additional risks not alone accept insurance.
Insurance liability
During the fourth insurance, the insured or the allowed drivers in the use of insurance vehicle process, due to the following reasons caused the loss of vehicle insurance, the insurer is responsible for compensation in accordance with the provisions of the insurance contract:
(a) collision, overturned, fall;
(two) the fire, explosion, combustion;
(three) external object falling, falling;
(four) the storm, tornado;
(five) the lightning, hail, rainstorm, flood, tsunami;
(six) subsidence, ice trapped, cliff collapse, avalanche, debris flow, landslide;
(seven) the ferry carrying insurance vehicle suffered natural disasters (limited to the driver with the ship's case).
Fifth when insurance accident happens, the insured person to prevent or reduce the loss of vehicle insurance paid for the necessary and reasonable expenses, rescue, shall be borne by the insurer, the maximum not exceeding the insured amount.
Exemption from liability
Article sixth the following conditions, regardless of any reason for loss of vehicle insurance, insurance per capita is not responsible for compensation:
(a) earthquake;
(two) the war, the military conflict, terrorism, violence, detention, seizure, confiscation, expropriation;
(three) competition, test, repair, maintenance in the business place of repair, maintenance period;
(four) to engage in illegal activities by the insured vehicle;
(five) the driver drinking, smoking or injecting drugs, drug anesthesia is used vehicle insurance;
(six) after the accident, the insured or the allowed drivers in failing to take measures in the case of driving a vehicle or abandoned vehicles fleeing the scene of the accident, or vandalism, falsifies the scene, destruction;
(seven) the driver in any of the following circumstances:
1, no driver's license or driving license is valid to expire;
2, the quasi driving type does not match the driving motor vehicle and driving license;
Motor vehicle 3, internships driving task execution police cars, fire trucks, ambulances, engineering rescue vehicles and carrying explosives, inflammable or explosive chemicals, toxic or radioactive and other hazardous substances, the internship period to drive a motor vehicle traction trailer;
4, the provisions did not the name of a driver's license, and temporarily, detain, revocation, cancellation of driver's license to drive a motor vehicle during;
5, the use of special machinery and vehicles, various effective operation certificate of special vehicles staff issued by the relevant departments of the state without;
6, in accordance with the relevant provisions of laws and regulations or public security traffic management departments are not allowed to drive a motor vehicle driving under other circumstances.
(eight) non insured allows drivers to use of vehicle insurance;
(nine) unless otherwise agreed, insurance accident insurance vehicle without issuing the traffic administrative department of the public security vehicle license and license plate, or not according to the provisions of the inspection or inspection unqualified.
The losses and costs seventh of vehicle insurance, the insurer shall not be liable for:
(a) the natural wear and tear, rot, corrosion, fault;
(two) in separate glass breakage, individual wheel damage;
(three) no obvious collision traces body scratch;
(four) artificial direct supply, high temperature baking losses;
(five) the spontaneous combustion caused only electrical appliances, circuit, fuel supply system loss;
(six) suffered the loss of insurance coverage, without the necessary repair continue to use the vehicle insurance loss due to its part;
(seven) because of pollution (containing radioactive pollution) loss;
(eight) the market price changes caused by the loss caused by reducing the value of depreciation, repair;
(nine) the new standard equipment other than a loss;
(ten) the engine damage leading to the engine inlet;
(eleven) insurance the goods carried by the vehicle crash, crash, collapse, caused by leakage loss;
(twelve) theft, robbery, snatch, and because by the theft, robbery, snatch the damage or the car parts, ancillary equipment lost;
(thirteen) is caused by the intentional act the insurer or the driver's loss.
Eighth other does not belong to the scope of insurance liability losses and expenses.
Insurance amount
Article ninth the amount insured by the insured and the insurer from the following three ways to choose, the insurer shall bear the corresponding liability for compensation according to the different way of determining the amount of insurance:
(a) according to the insurance insurance vehicle new car to purchase price.
The insurance contract in the new car purchase price refers to the purchase of vehicle insurance in the insurance contracts signed with the same type of car (including the vehicle purchase tax) price.
The insured car purchase price is determined on the basis of the insurance contract is signed with a type of new market sales price policy, which shall be stated in the insurance policy, without the same type car market sales prices, determined in consultation by the insured and the insurer.
(two) the actual value is determined according to the insurance vehicle insurance.
The actual value of the insurance contract refers to the new car to purchase price depreciation amount after the price. Actual value of the insured when the insurance vehicle according to the insured car purchase price depreciation amount after the price determination.
The depreciation rate table

Vehicle type
The monthly depreciation rate

9 the following passenger cars
0.60%

Agricultural carriage car
1.10%

Other vehicles
0.90%

Depreciation calculated monthly, less than in January, excluding depreciation. The highest depreciation does not exceed the amount of insured insurance vehicle new car to purchase price of 80%.
(three) in the insured vehicle new car insurance purchase price determined in consultation.
During the period of insurance
Tenth unless otherwise agreed, the insurance period is one year, to the end of time specified by the policy prevail.
The insurer obligation
Eleventh insurer's underwriting, shall apply to the insured that liability insurance, liability insurance exemption, insurance period, insurance and payment, the insurer and the insured obligations.
Article twelfth the insurer shall timely accept by accident report of the insurer, and the survey as soon as possible.
In 48 hours the insurer after receiving the report is not to survey and not to accept the advice, causing the loss of property could not be determined, damage, loss, accident certificate photos list and repair invoices as compensation adjustment according to provide the insured property.
Article thirteenth insurance receipt of the insured's claim, it shall timely verification.
(a) insurers should be based on the nature of the accident, loss, in a timely manner to provide the claim is insurance; audit claims material that the relevant proofs and materials incomplete, it shall timely notify the insured additional evidence or.
(two) the insured to provide the necessary documents, the insurer shall promptly review, and verification results inform the insured.
(three) belonging to the insurance liability, the insurer shall in a compensation agreement with the insured person within 10 days after the payment of indemnity.
Article fourteenth the insurer to know in handling the insurance business of the insured, the insured business and property and personal privacy, confidentiality obligations.
The insured, the insured obligations
Fifteenth the applicant should fill out the application form and answer the insurer queries, perform the duty of disclosure.
In the insurance period, insurance vehicle modification, adding or engaged in the transportation business, lead to the danger degree of insurance of vehicles increase, shall notify the insurer in writing promptly. Otherwise, due to the increased risk of vehicle insurance accident insurance, the insurer shall not be liable for.
Sixteenth unless otherwise agreed in the insurance contract, the applicant shall set up orderly full payment of insurance; insurance premiums paid before the occurrence of the insured, the insurer shall not be liable for.
Seventeenth insurance accident, the insured shall take timely and reasonable, necessary rescue and protection measures, to prevent or reduce losses, and notify the insurer within 48 hours after insurance accident happens. Otherwise, resulting in the loss of uncertain or expanded sections, the insurer shall not bear the liability of compensation.
Eighteenth after an insurance accident occurs, the insured shall actively assist the insurer in field mapping.
The insured shall provide the relevant certificates and materials in a claim.
Occurrence and insurance related arbitration or litigation, the insured shall notify the insurer in writing promptly.
Nineteenth insurance car accident caused by damage to the third party of vehicle insurance, insurance people paid indemnities to the insured date, the amount of compensation scope to exercise the insured to third party the right to compensation, but the insured must assist the insured to third party claim.
Due to the insured to give up on the request for compensation for the third party's right or fault of the insured is unable to exercise the subrogation rights, the insurer shall not bear the liability for compensation or deduct the amount of indemnity.
Treatment of claim
Article twentieth the insured claims, shall provide and confirm by accident insurance of the nature, causes, extent of damage and other relevant evidence and information to the insurer.
The insured shall provide insurance, list of losses, costs related documents, insurance accident vehicle driving license and driving license.
Road traffic accident belongs to, the insured shall provide a certificate issued by the public security traffic management departments or institutions such as courts of the certificate of the accident, the relevant legal documents (judgment, mediation, ruling).
Non traffic accident belong, shall provide the relevant proof of the accident.
Twenty-first insured or insurance vehicle drivers according to relevant laws and regulations to choose negotiation way of handling traffic accident, it shall immediately notify the insurer, assist the insurer accident vehicle inspection, verification of the parties responsible for the accident, and in accordance with the "traffic accident handling procedures" signed a recording that traffic accident agreement.
Twenty-second because insurance vehicle insurance accident damage, should try to repair. Repair of the insured person shall, jointly with the insurer examination, consultation project, and cost of the repairs. Otherwise, the insurer has the right to re approved; can not be re approved, the insurer has the right to refuse compensation.
Twenty-third insured at the time of the application of the specialized factory, after insurance accident happens, the insurer has the specialized qualifications recommended insurance vehicle repair shop for repair; if the applicant does not choose the specialized factory of the insured, after insurance accident happens, the insurance people recommend repair qualification is not less than two repair shop for repair.
Article twenty-fourth insurance vehicle suffered residual part after the loss to the insured, its value is determined by both parties through negotiation, and deduction in the loss
Accident liability ratio twenty-fifth insurance according to the insurance vehicle drivers are negative in the accident, bear corresponding responsibility for compensation.
The insured or the insured vehicle drivers according to relevant laws and regulations to choose negotiation or traffic management departments of public security handling of the accident to determine the proportion of accidents, the written consent of the insured, the proportion of liability accident insurance is determined according to the following provisions:
The insurance side of the vehicle to bear the main responsibility for the accident, proportional liability accident 70%;
The negative equivalent accident liability insurance vehicle side, proportional liability accident 50%;
Negative secondary liability insurance in the vehicle, proportional liability accident 30%.
Article twenty-sixth the insurer in accordance with the following methods deductible:
(a) negative secondary liability franchise for 5%, equal, negative accident responsibility exempts the odds of 8%, negative accident responsibility, franchise for 10%, bear all liability or unilateral accident franchise for.
(two) occurred in fourth of vehicle insurance liability insurance included in the scope of the loss of the third party should be responsible for compensation, unable to find the third party, the franchise for 30%.
(three) the insured according to the provisions of relevant laws and regulations of their choice and consultation to deal with traffic accidents, can not assist the insurer accident vehicle inspection parties, franchise is 30%.
Article twenty-seventh the insurer according to the following way of calculating the amount of compensation:
(a) according to the insurance insurance vehicle new car purchase price to determine the amount of insurance, insurance compensation calculation for vehicle:
1, occurred in all the losses, calculation of compensation in the insurance, the insurance amount is higher than the insurance accident insurance vehicle real value, to calculate the actual value of compensation according to the insurance accident insurance vehicle:
Compensation for the loss of vehicle insurance and (actual value - residual) × proportional liability accident.
When insurance accident happens, the actual value of vehicle insurance according to the insurance accident occurs when the new car to purchase price minus the depreciation amount of price determination.
The occurrence of the insurance accident car purchase price is determined according to the insurance contract the same type of car market price when insurance accident happens, without the same type of new car market sales prices, determined in consultation by the insured
2, where there is a partial loss, according to the approved repair cost calculation of compensation, the actual value but not over the insurance accident insurance vehicle:
The loss of vehicle insurance claims = (approved repair costs - residual) × proportional liability accident.
(two) determine insurance amount or negotiate insurance amount of actual value according to the insurance insurance vehicle insurance, loss compensation calculation for vehicle:
1. occurred in all the losses, calculation of compensation in the insurance, the insurance amount is higher than the insurance accident insurance vehicle real value, to calculate the actual value of compensation according to the insurance accident insurance vehicle;
Loss of vehicle insurance claims = (actual value - residual) * accident liability ratio.
The actual value of insurance accident insurance of vehicles according to the occurrence of the insurance accident car purchase price minus the depreciation amount of price determination.
The occurrence of the insurance accident car purchase price according to insurance contract is signed the same type of car market price when insurance accident happens, determined by the insurer and the insured by negotiation.
2 where there is a partial loss, according to the approved repair cost calculation of compensation, the actual value but not over the insurance accident insurance vehicle:
The loss of vehicle insurance claims = (approved repair costs - residual) * proportional liability accident.
(two) the actual value of vehicle insurance according to the insurance when determining the amount of insurance, insurance for the vehicle reparations computation:
1, all the losses, the insurance amount insurance accident insurance is higher than the actual value of the vehicle, to the actual value of insurance accident insurance vehicle calculation of compensation:
Loss of vehicle insurance claims = (actual value - residual) * proportional liability accident
The actual value of insurance accident insurance of vehicles according to the occurrence of the insurance accident car purchase price minus the depreciation amount after the price is determined
The occurrence of the insurance accident car purchase price is determined according to the signed similar new car market sales price insurance contract insurance accident happens, no the same type of new car market sales prices, by insurant and underwriter determined in consultation
2, where there is a partial loss, according to the approved repair cost calculation of compensation, the actual value but not over the insurance accident insurance vehicle:
The loss of vehicle insurance claims = (approved repair costs - residual) * proportional liability accident
(three) determine insurance amount or negotiate insurance amount of actual value according to the insurance insurance vehicle insurance claims, losses calculation for vehicle:
1, all the losses, the insurance amount is higher than the insurance accident happens, the insurance vehicle real value to the actual value of the insurance, accident insurance vehicle calculation of compensation:
Loss of vehicle insurance claims = (actual value and residual) * proportional liability accident.
The insured amount is equal to or lower than the insurance accident insurance vehicle real value, calculated according to the amount of insurance compensation:
Loss of vehicle insurance claims = (the amount of insurance, salvage) * proportional liability accident.
2, where there is a partial loss, according to the insurance amount and the insured insurance vehicle new car purchase price was calculated as the ratio of the actual value of compensation, but not over the insurance accident insurance vehicle.
The loss of vehicle insurance claims = (approved repair costs - residual) * NEW * liability accident insurance amount proportion / insured insurance vehicle purchase price
(three), rescue cost calculation compensation with the (a), (two), calculated separately in the insurance vehicle amount of damages, the maximum not exceeding the insured amount.
By the rescue of the property insurance contract, the insured property is not in proportion, rescue insurance vehicle and rescue the property value.
(four), the total amount of each insurance compensation:
Total loss = (insurance indemnity + vehicle rescue fee payments) * (1 - franchise and).
Article twenty-eighth insurance vehicle insurance, the insurer in accordance with the total amount of insurance the insurance contract with the insured amount of the liability ratio.
The amount of compensation to the insurer shall be liable for the other, the insurer is not responsible for finance.
Article twenty-ninth the insurer accepts the report, the site survey, participate in litigation, to defend, to provide professional advice the insurer's behavior, does not constitute the insurance liability for commitment.
Article thirtieth the following conditions, the insurer to pay reparations after the termination of the contract, the insurer is not refundable, non business use of automobile insurance and additional insurance premium:
(a) occurred in all the loss of vehicle insurance;
(two) the actual value according to the insurance insurance vehicle insurance amount, an amount of compensation and the deductible amount and (not including rescue fees) actual value to the insurance accident insurance vehicle;
(three) the actual value of the insured amount is less than the insured when the insurance vehicle, an amount of compensation and the deductible amount and (not including rescue fees) to the amount of insurance.
Premium adjustment
Vehicle insurance the insurance renewal and additional insurance compensation without the occurrence of thirty-first a period of insurance, and insurance for the duration of one year, can enjoy preferential treatment without compensation insurance. Continuous multiple insurance did not occur during the insurance and additional insurance compensation, insurance premium discount ratio increased year by year.
This insurance and additional insurance compensation occurs on a period of insurance, according to the frequency of occurrence of insurance compensation, improve the insurance renewal.
Provisions of the approved premium adjustment ratio and approach to the insurance supervision department rate rules shall prevail.
The modification or termination of the contract
Article thirty-second the contents of the insurance contract needs to change, must be approved by the insurer and the applicant agreed in writing.
Thirty-third in the insurance period, insurance vehicle transfer to others, the insured shall notify the insurer in writing and to revise procedures. Not to revise procedures, the insurer shall not bear the liability of compensation.
Thirty-fourth before the commencement of the insurance liability, the applicant requests to terminate the insurance contract, shall provide the insurer pay insurance premium of 5% of the portion of the fees, the insurer shall return the insurance premium. After the commencement of the insurance liability, the applicant requests to terminate the insurance contract, the insurer shall inform the date of termination of the contract, insurance. The insurer by short-term monthly rate received from the commencement of the insurance liability to the date of termination of the contract the date of the period of insurance, and refund the remaining part of the premium.

The insurance period (month)
1
2
3
4
5
6
7
8
9
10
11
12

A short month rate (%)
10
20
30
40
50
60
70
80
85
90
95
100

Note: the insurance period is less than a month, according to one month.
Dispute settlement
Article thirty-fifth for the performance of the insurance contract disputes, settled by the parties through consultation.
If no agreement is reached through consultation, to submit to arbitration agency of insurance stated. The insurance policy does not specify an arbitration institution or after the occurrence of the dispute did not reach an agreement, the people's Republic of China contract can sue to the people's court.
Thirty-sixth this insurance contract dispute applicable laws of people's Republic of china.
Supplementary articles
Article thirty-seventh of the contract of insurance (including additional risk) in the following terms:
Not valued insurance contract: refers to the value of insurance in case the parties conclude when insurance contract is not pre determine the subject matter of the insurance, but the insurance accident happens in accordance with the actual value of the insurance subject determine the insurance value of an insurance contract.
Collision insurance: refers to the vehicle and outside objects directly contact and accidental impact, the impact of trace phenomenon. Including insurance vehicles according to the provisions of carriage of goods, cargo and external objects of accidental impact.
Tipping: refers to an accident caused insurance vehicle overturned (two above ground, the ground), in the loss of normal and driving ability, not by the rescue cannot restore running state.
Fall: refers to the insured vehicle accidents in a moving vehicle, flight whereabouts, resulting in the car loss, non vehicle flight, only because of bump caused the loss of vehicle insurance, liability is not falling.
The fire caused insurance: the vehicle itself in time or space fire, burning out of control (i.e., heat, light, fire violent oxidation reaction) caused by disasters.
Storm: wind speed is 28.5 M / S (equivalent to 11 levels of gales) over the wind. The wind speed in the meteorological department released data shall prevail.
The earth's crust subsidence: because of natural variability, sudden collapse and formation and contraction of the tide, river, heavy rain, a hole, cave underground, so that the ground suddenly caved.
Broken glass alone: that the damage did not occur in other parts of the vehicle, only damaged windshield glass and window glass vehicles before and after the.
Individual wheel damage: damage did not occur in other parts of the vehicle, tire, wheel rim, wheel hub only cover separately damage, damage or the common among the three arbitrary two, joint damage and three party.
Competition: refers to the insured vehicle as a race vehicle competition activities, including to participate in the competition for the purpose of training activities.
Test: refers to the performance of the insurance vehicle and technical parameters for measurement or test.
Spontaneous combustion: no external source, because the vehicle the vehicle electrical appliances, circuit, fuel supply system and their own reasons for the failure or cargo or its burning.
Pollution: refers to the insured vehicle during normal use or when the accident happened, because the oil, gas, air or other pollutants, discharge, leakage, spatter scattered, deteriorates the defaced or status of vehicle insurance.
Transportation: refers to the business by the traffic management department issued operating certificate, the insured or the driver of vehicle insurance allows use in passenger transport, freight transport behavior. Without the traffic management department issued by the operating certificate, the insured or the allow drivers for the purpose of profit, in the transport of passengers, cargo transportation insurance vehicle use, as transportation business.
Unilateral accident: that does not involve compensation and damages to third parties related to the accident, but not caused by natural disaster accident.
Transfer: refers to the transfer of ownership for the purpose, disposition of vehicle insurance, the insured to transfer of ownership for the purpose, will the insurance vehicle delivery of others, shall not transfer (transfer) registration, regarded as the transfer.
Article thirty-eighth insurance according to the insurance premium rate of motor vehicle regulations and regulatory approval to calculate premium.
Article thirty-ninth in the non business use of car damage insurance, the insured may insure against additional risks.
Additional insurance matters, the clauses.

Additional clauses
Pilfer rush to deal with an emergency clause
Number: A0106z00f01p02105-1000
The first insurance liability
(a) insurance of vehicle theft, robbery, snatch, the loss of local police criminal investigation departments at or above the county level shall prove, full 60 days did not identify the whereabouts of the whole car loss.
(two) insurance car whole car theft, robbery, robbery, damage or the car parts, ancillary equipment lost the reasonable expenses needed to repair.
(three) insurance vehicle in the robbery, snatch the process, by the reasonable expenses needed to repair damage.
Second exemption from liability
(a) the non full vehicle from theft, only the car parts or ancillary equipment was stolen or damaged;
(two) insurance fraud, fines, detention vehicle losses;
(three) the insured for civil, economic disputes caused by robbery, snatch of vehicle insurance;
(four) the leased vehicle at the same time with the lessee missing;
(five) the whole car was theft, robbery, snatch period, insurance vehicle caused third casualties or property losses;
(six) caused by the intentional act the insured and members of their families, the insured to allow drivers or violations of the loss.
Article third the amount of insurance
The insured amount determined in consultation by the insurer and the insured when the insurance insurance actual value of vehicle.
Article fourth compensation processing,
(a) the insured vehicle theft, robbery that insurance, robbery, should be reported within 24 hours out of the local public security criminal investigation department, and notify the insurer.
(two) insured claims, must provide the insurance policy, "motor vehicle driving permit", "motor vehicle registration certificate", vehicle origin certificate, proof of vehicle purchase tax payment (surcharges on vehicle purchase tax exemption certificate, proof of payment) or vehicle to stop the procedures and the insurance sector over the police criminal investigation when the county issued robbery case.
(three) car loss calculation, the amount of insurance compensation, and free of the implementation of 20%. The insured fails to provide the "motor vehicle driver's license", "motor vehicle registration certificate", vehicle origin certificate, proof of vehicle purchase tax payment (vehicle purchase surcharge payment certificate) or tax exemption certificate, each missing a, increase 1% franchise.
A part of the loss, in the insurance according to the actual repair cost calculation of compensation.
(four) the insured claims, failed to provide the vehicle to stop procedures or loss at or above the county level public security criminal investigation department issued by the ownership registration certificate, the insurer shall not bear the liability of compensation.
(five) the insurer to confirm the claim documents complete, effective, be insured to sign a letter of subrogation, insurer compensation case.
(six) the insured vehicle is retrieved whole car theft, robbery, robbery:
The insurer has not yet paid reparations, the vehicle should be returned to the insured.
The insurer has to pay indemnity, the vehicle should be returned to the insured, the insured shall indemnity returned to the insured; insured do not agree to recover the vehicle, vehicle ownership to the insurer, the insured shall assist the insurer shall handle the relevant procedures.

Broken glass separate clauses
Number: A0106 ZOOF02PO21205-1000
The first insurance liability
Insurance car windscreen or glass window alone and broken, the insurer is responsible for compensation.
Article second insurance
The applicant and the insurer may negotiate by selecting import or domestic glass cover. The insurer shall bear the corresponding liability for compensation according to the consensus choice of insurance.
Third exemption from liability
Installation, repair vehicles caused by the process of broken glass alone.
Fourth other
This additional risk occurrence loss, during the period of this insurance renewal, does not affect the no claim insurance treatment of other types except for the additional risks.

The vehicle to stop loss insurance clause
Number: A010600F06P021205-1000
The first insurance liability
Due to the vehicle damage insurance accident insurance, the insurance vehicle to stop, the insurer shall bear the liability for compensation in the amount of insurance policy stated in.
Second exemption from liability
(a) the insured person or the driver is not timely insurance vehicle repair or delayed repair time loss;
(two) for the repair quality of unqualified, repairing damage caused by.
Article third the amount of insurance
The insured amount in accordance with the agreed compensation insurance when multiplied by the agreed compensation, the amount of compensation shall determine the number of days; the highest is 300 yuan, the agreed compensation days for a maximum of 60 days.
Article fourth compensation processing
The whole car loss, calculation of compensation by the insurance amount insurance stated; a part of the loss, in the insurance contract, according to the actual number of days the amount of compensation by the date of repair to repair the date of calculation of compensation, the actual number of days over both sides agreed to repair the days, with both sides agreed to repair the days shall prevail.
During the period of this insurance, indemnity amount accumulative total insurance amount insurance unit stated, this additional insurance termination.

Body scratch loss clause
Number: A0106Z00F05P021205-1000
Article 1 Scope
Apply to the insured vehicle damage insurance domestic for private use or non business use, in the life span of 3 years, 9 the following passenger car.
Article second liability insurance
No significant dent car scratch loss, the insured can claim compensation.
Third exemption from liability
Is caused by the intentional act insurers and members of their families, the driver and the family members of the loss.
Article fourth the amount of insurance
Insurance amount to 5000 yuan.
Article fifth compensation processing
In the insurance according to the actual cost of repairs calculation of compensation.
During the period of this insurance, the compensation amount accumulative total amount of insurance, the additional insurance termination.

Irrespective of percentage clause
Number: A0106Z00F03P040922-1000
The special agreement, after insurance accident happens, shall be calculated in accordance with the provisions of the main clauses of the franchise of the corresponding insurance, shall be borne by the insured the deductible amount, the insurer is responsible for compensation.
Any of the following circumstances, shall be deductible amount shall be borne by the insured, the insurer shall not be liable for:
A loss of vehicle insurance, third party should be responsible for compensation and cannot find the third party;
Increase of two, due to the violation of regulations on safe loading;
Three, the insured according to the provisions of relevant laws and regulations to choose negotiation to deal with traffic accidents, but not to assist the insurer shall all vehicle accident;
Four, because the number of insurance indemnity insurance period and the increased;
Five, non designated driver using the insurance vehicle insurance accident occurs to increase;
The provisions of six, additional clauses.

New equipment loss clause
Number: A0106Z00F01P040922-1000
The first insurance liability
Motor vehicle insure the additional risk due to the loss of vehicle insurance liability within the scope of the accident, causing direct damage to the car new equipment, the insurer stipulated in the insurance policy this additional insurance amount, calculation of compensation in accordance with the actual loss.
Article second the amount of insurance
The insured amount according to the actual value of the new equipment added to determine.
Article third compensation processing
The provisions clauses each compensation franchise to the terms corresponding to quasi.
Fourth other matters
This insurance refers to the newly added equipment, refers to the insurance vehicle factory outside the facility, equipment and facilities of the insured is. The insured shall specify the car, new equipment specification and price.

Rescue clause
Number: A0106Z00F11C021205-1000
Insured loss of vehicle insurance vehicle, can add the special clause.
The first insurance liability
Insurance accident happens in the vehicle or fault in the running process, the underwriter gives the following compensation or relief;
(a) under the following circumstances, the insured against loss or reduce the payment of insurance vehicle necessary, reasonable labor charges, should assume by insurant, the insured;
1, the vehicle damage insurance, not full insurance and the insured bear their own costs;
2, according to the vehicle damage insurance terms, according to the driver when the insurance accident responsibility in proportion shall be deductible from the insured bear their own costs;
3, by the third party shall bear the cost of the rescue, the insured is unable to recover the payment.
(two) in relief area abbreviations, as a result of an accident or fault occurs in vehicles can not travel insurance vehicle insurance, the insured for the insured, provided the following relief:
1, the trailer (vehicle towed to distance out of place recent repair place);
2, simple fault site emergency repair;
3, the insurance vehicle due to lack of oil, electricity and can not run, the insurer with the oil (each limited to 10 liters), charge;
4, the replacement of tires.
Second exemption from liability
(a) vehicle salvage expenses caused by the agreement of the vehicle damage insurance clause in the insurance liability exemption, shall not be liable for compensation;
(two) non insurance to provide relief costs arising, the insurer shall not be liable for;
(three) fuel and spare parts, replacement of tires and other costs, the insurer shall not be liable for;
(four) the provisions of the laws or the relevant state departments are not allowed to enter the area, the insurer is not liable for salvage
(five) the other does not belong to the scope of the warranty liability losses and expenses, the insurer shall not be liable for.
Article third in the insurance period only occurred in the clause 1 (two) claims, renewal, does not affect the no claim insurance treatment outside the clause of insurance.

The people's Insurance Limited by Share Ltd China motor vehicle third party liability insurance clauses

Peoples Insurance Company of China of the motor vehicle third party liability insurance clause
Number: A0106Z03000L021205-1000
General provisions
Covered by insurance, the insurance contract, the insurance policy, a single batch and special agreement. Relating to the insurance contract, shall be made in written form.
Motor vehicle second this insurance contract refers to the people's Republic of China (excluding Hong Kong, Macao, and Taiwan regions) cars, trams and agreed to other vehicles.
Third the insurance contract in the third refers to the addition of the insured, the insurer, the insurer is outside, victims of insurance vehicle insurance vehicle accidents suffered personal injury or loss of property.
Insurance liability
Fourth insured or permits driving personnel accident insurance vehicle in use process, causes the third suffers from a personal injury or property damage shall be directly, by the economic liability assumed by the insured, the insurer is responsible for compensation.
Article fifth of the insurance prior written consent, the insured for fourth listed reasons caused harm to the third party is brought to arbitration or litigation, the insured pay the arbitration or litigation costs and other expenses, the insurer is responsible for compensation; the amount of compensation shall be calculated separately in the specified by the policy responsibility limit, not to exceed the maximum limit of 30%.
Exemption from liability
Article sixth the following insurance vehicle caused personal injury or property damage, if the insured shall bear the liability for compensation in the law, the Insurers shall not be liable for:
(a) the insured and the family members of the person casualties, all or the escrow property loss;
(two) personnel and their family members to drive the car casualties, all or the escrow property loss;
(three) the other officers of the people on board casualties or property losses.
Article seventh the following conditions, regardless of any cause for the third party liability insurance economy, per capita is not responsible for compensation:
(a) earthquakes, war, military conflicts, terrorism, riots, seizure, confiscation, expropriation;
(two) competition, test, repair, maintenance period in the business place of repair;
(three) to engage in illegal activities by the insured vehicle;
(four) the driver drinking, smoking or injecting drugs, drug anesthesia is used vehicle insurance;
(five) the escape vehicle accident insurance;
(six) the driver in any of the following circumstances:
1 no driver's license or driving the vehicle and driver's license quasi driving type does not match;
The provisions of the 2 public security traffic management departments of the other belongs to driving without a valid license case drive;
3. uses a special mechanical cars, all kinds of effective operation certificate of special vehicles without issuing the relevant departments of the state; driving business bus drivers issued by the relevant departments of the state without the effective certificate.
(seven) non insurance allows the driver to use the insurance vehicle;
(eight) the insured vehicle does not have a valid travel documents;
(nine) insurance vehicle insurance vehicle towing without insurance third party liability insurance (including Trailer) or no insurance liability insurance for the third party of the other vehicle towing.
Article eighth the following losses and costs, the insurer shall not be liable for
(a) insurance vehicle accidents, resulting in third closed down, suspended, power, water, gas stop, stop, communications interruption losses and other indirect losses;
(two) the spirit damage compensation;
(three) because of pollution (containing radioactive pollution) loss;
(four) third party property due to market price changes caused by reducing the value of depreciation, repair the loss caused by;
(five) insurance of vehicle theft, robbery, snatch caused third casualties or property losses;
(six) is caused by the intentional act the insurer or the drivers of loss.
Ninth other does not belong to the scope of insurance liability losses and expenses.
Limitation of liability
Tenth every accident liability limit, by the insurer and the insured in the insurance contract signed by 50000 yuan, 100000 yuan, 200000 yuan, 500000 yuan, 1000000 yuan and 1000000 yuan and not more than 10000000 yuan level determined in consultation.
Accident insurance connection eleventh main vehicle and the trailer, the insurer in the main vehicle of the limits of liability shall bear the responsibility for compensation.
Period of insurance
Twelfth unless otherwise agreed, the insurance period is one year, to the end of time specified by the policy prevail.
The insurer obligation
Thirteenth insurer's underwriting, should explain the insurance liability, liability insurance, the insurance period for exemption, insurance and payment, the insurer and the insured obligations to policyholders.
Article fourteenth the insurer shall timely accept by accident report of the insurer, and the survey as soon as possible.
In 48 hours the insurer after receiving the report is not to survey and not to accept the advice, causing the loss of property could not be determined, damage, loss, accident certificate photos list and repair invoices as compensation adjustment according to provide the insured property.
Article fifteenth insurance receipt of the insured's claim, it shall timely verification.
(a) insurers should be based on the nature of the accident, loss, in a timely manner to provide the claim is insurance; audit claims material that the relevant proofs and materials incomplete, it shall timely notify the insured additional evidence or.
(two) the insured to provide the necessary documents, the insurer shall promptly review, and verification results inform the insured.
(three) belonging to the insurance liability, the insurer shall in a compensation agreement with the insured person within 10 days after the payment of indemnity.
Article sixteenth the insurer to know in handling the insurance business of the insured, the insured business and property and personal privacy, confidentiality obligations.
The insured, the insured obligations
Seventeenth the applicant should fill out the application form and answer the insurer queries, perform the duty of disclosure.
During the period of this insurance, the insurance vehicle modification, or the installation of non business engaged in the transportation business vehicles, vehicle insurance risk degree increased, shall notify the insurer in writing promptly. Otherwise, due to the increased risk of vehicle insurance accident insurance, the insurer shall not be liable for.
Eighteenth unless otherwise agreed, the insured shall pay the insurance premium when the insurance contract is established once. Insurance paid before the occurrence of the insured, the insurer shall not be liable for.
Nineteenth insurance accident, the insured shall take timely and reasonable, necessary rescue and protection measures, to prevent or reduce losses, and notify the insurer within 48 hours after insurance accident happens. Otherwise, resulting in the loss of uncertain or expanded sections, the insurer shall not bear the liability of compensation.
Twentieth after an insurance accident occurs, the insured shall actively assist the insurer in field mapping.
The insured shall provide the relevant certificates and materials in a claim.
Cause and insurance related arbitration or litigation, the insured shall notify the insurer in writing promptly.
Treatment of claim
Article twenty-first the insured claims, and to confirm the insurance accident shall be provided to the insurer that nature, reasons, and other material relevant to the extent of the loss.
The insured shall provide insurance, list of losses, costs related documents, insurance vehicle permit and accident drivers license, and issued by the public security traffic management departments or institutions such as courts of the certificate of the accident, the relevant legal documents (award, award, mediation, judgment, etc.) and other proof.
Twenty-second because insurance accident damage to third party property, should try to repair. Repair of the insured person shall, jointly with the insurer examination, consultation project, and cost of the repairs. Otherwise, the insurer has the right to re approved or rejected the compensation.
Article twenty-third insurance according to the insurance vehicle drivers are negative in the accident liability ratio, bear corresponding responsibility for compensation.
Twenty-fourth according to the liability insurance vehicle drivers are negative in the accident, the insured stipulated in the insurance policy limits of liability, according to the following franchise deductible:
(a) negative full responsibility for the franchise for 20%, bear the main responsibility exempts the odds of 15%, bear coequal responsibility exempts the odds of 10%, negative secondary responsibility exempts the odds of 5%.
(two) in violation of regulations on safe loading, increase in free claims 10%.
Twenty-fifth insurance after the accident occurred, the insurer in accordance with the "road traffic accident treatment measures" provisions of the scope of compensation, and the items and standards of the insurance contract, the approved amount of compensation stipulated in the insurance policy within the limits of liability.
Without the written consent of the insurer, the insured to promise or pay the amount of compensation, the insurer has the right to re approved. Does not belong to the scope of compensation to the insurer or the insurer should exceed the indemnity, the insurer is not liable for compensation.
Article twenty-sixth insurance vehicle insurance, the insured in accordance with the sum of the contract of insurance liability limit and the contract of insurance liability limit of liability ratio.
The amount of compensation to the insurer shall be liable for the other, the insurer is not responsible for finance.
Article twenty-seventh the insurer accepts the report, the site survey, participate in litigation, to defend, to the insured to provide professional advice behavior, does not constitute the insurance liability for commitment.
Article twenty-eighth the amount of compensation is determined by the insurer and the insured for the insured after consultation, the additional claim, the insurer shall not be liable for.
Twenty-ninth the insured to obtain the compensation, the insurance contract shall continue to be valid until the expiration of the time limit, the insurance.
Premium adjustment
Article thirtieth insurance vehicle insurance year without the occurrence of this insurance and additional insurance indemnity renewal, and the insurance period is one year, according to the following conditions the way to enjoy the insurance premium discount:
(a) a year insurance did not enjoy no claim the insurance premium discount, the renewal discount rate of 10%; a year is to enjoy the preferential treatment insurance premium, the renewal discount rate of 10%; a year is to enjoy the preferential treatment insurance premium, the renewal discount proportion in the insurance annual discount ratio increased 10%; the insurance premium discount does not exceed the highest proportion.
(two) a year insurance premium discount enjoy vehicle insurance and the additional insurance indemnity, the renewal premium discount type proportion according to the following calculation, until the insurance premium discount rate is zero.
The renewal premium discount ratio = a insurance annual premium discount ratio - N*10%
N is an annual renewal insurance claims number.
(three) the same insured insured vehicle more than one, are calculated respectively according to the car insurance premium adjustment.
(four) premiums adjusted to renewal year should pay insurance premium is calculated on the basis of.
This insurance contract shall pay insurance premium refers to the approval of insurance regulatory rules and calculate the insurance premium rate.
Alteration and termination of the contract
Article thirty-first the contents of the insurance contract needs to change, must be approved by the insurer and the applicant agreed in writing.
Thirty-second during the period of this insurance, the insurance vehicle resell, transfer, gift, the insured shall notify the insurer in writing and to revise procedures. Not to revise procedures, the insurer shall not bear the liability of compensation.
Article thirty-third the insurance liability begins, an applicant requests to terminate the insurance contract, shall provide the insurer pay insurance premium of 5% of the portion of the fees, the insurer shall return the insurance premium.
After the commencement of the insurance liability, the applicant requests to terminate the insurance contract, the insurer shall inform the date of termination of the contract, insurance. The insurer by short-term monthly rate received from the commencement of the insurance liability to the date of termination of the contract the date of the period of insurance, and refund the remaining part of the premium.
A short month rate table

The insurance period (month)
1
2
3
4
5
6
7
8
9
10
11
12

A short month rate (%)
10
20
30
40
50
60
70
80
85
90
95
100

Note: the insurance period is less than a month, according to one month.
Dispute settlement
Thirty-fourth due to the performance of the insurance contract disputes, settled by the parties through consultation.
If no agreement is reached through consultation, submitted to the Arbitration Commission for arbitration of insurance stated. The insurance policy does not specify the arbitration institution or after the occurrence of the dispute did not reach an agreement on arbitration, to the people's Court of the people's Republic of china.
Trial of the insurance contract dispute processing thirty-fifth laws of people's Republic of china.
Other
Article thirty-sixth insurance according to the insurance premium rate of motor vehicle regulations approved by the insurance supervision department to calculate premium.
Thirty-seventh of the base in the insured motor vehicle third party liability insurance on the insured may insure against any additional risks.
Additional clause and the clause in conflict, with additional risks prevail; additional clauses matters, the clauses.

Additional clauses
The new standard of compensation insurance clause
The additional clauses applicable to motor vehicle third party liability insurance, third party liability insurance of motorcycle, tractor, special vehicle third party liability insurance third party liability insurance and the vehicle officers liability insurance.
The insured against the additional risk, insurance vehicle insurance accident occurred, resulting in third casualties, in accordance with the law shall be made by the economic liability assumed by the insured, the insurer in accordance with the "Supreme People's Court on the trial of personal injury compensation case applicable legal interpretation" provisions of the scope of compensation, items and standards, and the insurance contract, the approved amount of compensation stipulated in the insurance policy within the limits of liability.
The insured has insured the car personnel liability insurance, the insured against the additional risk, insurance vehicle insurance accident occurs, causing casualties, according to the law should be in the economic liability assumed by the insured, the insurer in accordance with the "Supreme People's Court on the trial of personal injury compensation case applicable legal interpretation" provisions of the scope of compensation, and the items and standards of the insurance contract, the approved amount of compensation stipulated in the insurance policy within the limits of liability.
This additional clause Clause and the main risks in conflict, the supplementary clauses shall prevail; this additional clause matters, with the main clause.
Insurance liability of the personnel on the car, this additional clause and the car personnel liability clause in conflict, the supplementary clauses shall prevail; this additional clause matters, to the car personnel liability clause.

The car personnel liability clause
Number: A0106Z00F07L021205-1000
The first insurance liability
Accidents caused by vehicles, insurance personnel casualties, in accordance with the law shall be made by the economic liability assumed by the insured, the insurer is responsible for compensation.
Second exemption from liability
(a) jump a personnel casualties;
(two) the personnel on the car because of the disease, childbirth, self mutilation, fighting, Dutch act, criminal behavior caused by self injury or suffer in the car when the person casualties.
Article third the limitation of liability
The personnel on the car insurance per person limit of liability and the number of seats by the insurer and the insured when the insurance is determined in consultation. The number of seats to insurance vehicle number of passengers.
Article fourth compensation processing
The car personnel casualties according to "road traffic accident treatment measures" provisions of the scope of compensation, items and standards as well as the agreement of the contract of insurance indemnity, compensation does not exceed the amount per person per person limit of liability insurance as the compensation shall be limited to the insured, the number of seats.

Cargo liability insurance clauses
Number: A0106Z00F08L021205-1000
The first insurance liability
Accidents, resulting in insurance of the goods carried by the vehicle suffered direct economic damage, in accordance with the law shall bear the liability for the insured, the insurer is responsible for compensation.
Second exemption from liability
(a) the looting, natural loss, shortage, defect itself, death, decay, deterioration caused by loss of goods;
(two) the illegal, illegal carrying or the losses caused by poor packaging;
(three) the personnel on the car carrying personal belongings.
Article third the limitation of liability
Limit of liability by the applicant and the insurer at the time of the application to determine the negotiation.
Article fourth compensation processing
The insured claims, should provide the waybill, shipping goods price proof and other relevant documents. Insurance compensation according to the departure prices within the limit of liability. Each time the franchise for 20%.

No fault liability insurance clauses
Number: A0106Z00F09L021205-1000
A insurance, vehicle and non motor vehicle or pedestrian traffic accidents, causing the other personal injury or property damage insurance vehicle directly, without fault, and the insured refused compensation failed, but not on the insured has paid to recover costs, insurance in accordance with the "standard treatment of road traffic accident methods for traffic accident" and out of the local roads, the calculation of the compensation within the limit of liability. Each time the franchise for 20%.
Two, the limits of liability by the applicant and the insurer negotiation within 50000 yuan to determine.

Irrespective of percentage clause
Number: A0106Z00F03P040922-1000
The special agreement, after insurance accident happens, calculated in accordance with the provisions of the franchise clause corresponds to the insured shall be deductible amount, shall be borne by the insured, the insurer is responsible for compensation.
Any of the following circumstances, shall be deductible amount shall be borne by the insured, the insurer shall not be liable for:
A loss of vehicle insurance, third party should be responsible for compensation and cannot find the third party;
Increase of two, due to the violation of regulations on safe loading;
Three, the insured according to the provisions of relevant laws and regulations to choose negotiation to deal with traffic accidents, but can not assist the insurer accident vehicle inspection parties;
Four, because the number of insurance indemnity insurance period and the increased;
Five, non designated driver using the insurance vehicle insurance accident occurs to increase;
The provisions of six, additional clauses.