Safe telephone marketing motor vehicle insurance clauses2.

The third part additional risks

Article 1The scope of insurance

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

Article secondInsurance liability

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

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

Article 1The scope of insurance

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

Article secondInsurance liability

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

Article 1The scope of insurance

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

Article secondInsurance liability

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

Article 1The scope of insurance

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

Article secondInsurance liability

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

Article fourthLimit of indemnity

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

Article fifthTreatment of claim

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

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

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

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

Article 1The scope of insurance

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

Article secondInsurance liability

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

Article fourthLimit of indemnity

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

Article fifthTreatment of claim

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

1 insurance policy;

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

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

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

5 is the bill insurance rented vehicle.

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

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

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

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

Article 1The scope of insurance

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

Article secondInsurance liability

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

Article thirdInsurance amount

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

Article fourthTreatment of claim

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

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

Article fifthOther matters

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

Article 1The scope of insurance

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

Article secondInsurance liability

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

Article fourthLimit of indemnity

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

Article fifthTreatment of claim

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

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

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

Article 1The scope of insurance

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

Article secondInsurance liability

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

Article fourthLimit of indemnity

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

Article fifthTreatment of claim

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

Article 1The scope of insurance

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

Article secondInsurance liability

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

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

Article fourthLimit of indemnity

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

Article fifthTreatment of claim

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

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

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

Article 1The scope of insurance

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

Article secondInsurance liability

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

Article fourthInsurance amount

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

Article fifthTreatment of claim

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

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

Article 1The scope of insurance

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

Article secondInsurance liability

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

Article fourthLimit of indemnity

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

Article fifthTreatment of claim

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

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

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

Article 1The scope of insurance

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

Article secondInsurance liability

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

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

Article thirdLimit of indemnity

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

Article fourthTreatment of claim

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

Article 1The scope of insurance

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

Article secondInsurance liability

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

Article 1The scope of insurance

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

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

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

Article 1The scope of insurance

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

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

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

Article 1Insurance liability

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

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

The first insurance liability

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

[table] the depreciation rate

 

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

 

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

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

A special rate table, telephone marketing

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

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

Two, the telephone marketing special rates for use

(a) vehicles

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

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

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

(two) the rate coefficient:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

(three) the insurance fee calculation

The calculation of 1 vehicle damage insurance premium:

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

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

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

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

The calculation of 2 commercial third party liability insurance

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

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

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

3 whole vehicle pilfer premium calculation

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

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

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

The calculation of 4 other insurance premium

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

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

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

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

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

(four) short rate

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

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