The telephone marketing special motor vehicle insurance additional clauses

The spontaneous loss of additional clauses

Article 1This additional risk is the car bump car vehicle damage insurance (hereinafter: the main risk) additional risk, inconsistent with the additional insurance clause and the main risk, the supplementary clauses shall prevail; this additional clause is not specified, shall apply to the main clause.

Article second Insurance of vehicle in use process for fault and cargo vehicle fuel appliances, circuit, system caused by spontaneous combustion accident caused the loss of vehicle insurance, the company is responsible for compensation in accordance with the provisions of this additional risk.

Article thirdThe loss, the company will not be responsible for compensation:

(a) the spontaneous combustion caused only electrical appliances, circuit, fuel supply system loss;

(two) caused by artificial direct supply, high temperature baking losses;

(three) caused by the intentional act of the insured losses;

(four) the motor vehicle insurance vehicle has reached the state standard of mandatory retirement after the occurrence of the loss.

Article fourthThe additional clauses stipulated in article second of the insurance accident, a total loss, the company paid in accordance with the actual value of the insured vehicle 80% responsible for the total loss amount; part of the loss, the company according to the actual loss compensation of vehicle insurance for 80% of the loss coverage within.

Wade driving loss additional clauses

Article 1This additional risk is the car bump car vehicle damage insurance (hereinafter: the main risk) additional risk, inconsistent with the additional insurance clause and the main risk, the supplementary clauses shall prevail; this additional clause is not specified, shall apply to the main clause.

Article second Travel insurance vehicle losses caused by flood and water in the engine, the company is responsible for compensation in accordance with the provisions of this additional risk.

Article third Caused by the intentional act of insurance losses, the company will not be responsible for compensation.

Article fourthThe additional clauses stipulated in article second of the insurance accident, the maximum amount of compensation does not exceed the actual loss of vehicle insurance in 80%, and no more than the agreedTotal amount.

Broken glass alone loss additional clauses

Article 1 This additional risk is car touch the car car loss danger, loss of vehicles comprehensive insurance (hereinafter: the main risk) additional risk, inconsistent with the additional insurance clause and the main risk, the supplementary clauses shall prevail; this additional clause is not specified, the main risks shall apply.

Article second Insurance vehicle window glass, roof broken glass alone, the company responsible for compensation in accordance with the provisions of the additional risks.

Article third The loss, the company will not be responsible for compensation:

(a) the lights, car mirror glass loss;

(two) installation, repair the damaged in the process of glass;

(three) caused by the intentional act of the insured losses.

Article fourthSelf insurance vehicle third (including third) the additional clauses stipulated in article second of the insurance accident, the maximum amount of compensation of the company does not exceed the actual repair costs 80%.

The new device to increase the loss of additional clauses

Article 1 This additional risk is car touch the car car loss danger, loss of vehicles, vehicle loss comprehensive insurance all risks (hereinafter: the main risk) additional risk, inconsistent with the additional insurance clause and the main risk, the supplementary clauses shall prevail; this additional clause is not specified, applies the main risk. Paragraph.

Article second Cause insurance vehicle new increase equipment directly damaged due to provisions of main clauses of the insurance accident, the company shall according to the additional clauses for compensation.

Article third The additional clauses stipulated in article second of the insurance accident, the maximum amount of compensation for the actual losses of the company in 80%, and no more than a new device to increase the limit of indemnity agreement.

Article fourth This additional clause referred to new equipment, refers to the insurance vehicle other than a standard configuration, the insured for additional installation of equipment and facilities.

A replacement vehicle rental fee additional clauses

Article 1This additional risk is car touch the car car loss danger, loss of vehicles, vehicle loss comprehensive insurance all risks (hereinafter: the main risk) additional risk, inconsistent with the additional insurance clause and the main risk, the supplementary clauses shall prevail; this additional clause is not specified, applies the main risk. Paragraph.

Article secondRequirements for the main clause of insurance accident insurance damaged vehicle repair, the repair period the company approved by the insured in rented a replacement vehicle and car rental costs, the company responsible for compensation in accordance with the provisions of this clause.

Article third For the loss or cost, the company will not be responsible for compensation:

(a) on the company's approved any expenses incurred during the period of time beyond repair;

(two) the vehicle was seized, seized the costs incurred during the;

(three) for the repair quality requirements caused by rework, rework costs during the period occurred in the.

Article fourth The company daily rental fees, compensation standards to determine the day which shall be stated in the insurance policy in consultation with the company by the insured.

Article fifth The additional clauses stipulated in article second of accident insurance, deductible for a day of car rental costs, which is approved the first day repair what happens during the rental fees shall be borne by the insured.

For each accident, the maximum compensation for 30 days car rental costs;

Whatever the case, the total amount of compensation does not exceed the agreedThe total compensation of daysCar rental costs.

Body scratch loss additional clauses

Article 1This additional risk is car touch the car car loss danger, loss of vehicles comprehensive insurance (hereinafter: the main risk) additional risk, inconsistent with the additional insurance clause and the main risk, the supplementary clauses shall prevail; this additional clause is not specified, shall apply to the main clause.

Article secondThe body surface without obvious traces of paint collision injury alone, according to the provisions of this company is responsible for the payment of additional clauses.

Article third The loss, the company will not be responsible for compensation:

(a) is caused by the intentional act of insurance loss;

(two) the natural aging of the body surface, damage.

Article fourth Each insured for the additional clauses stipulated in article second, the maximum amount of compensation of the company does not exceed the actual repair costs 80%.

Whatever the case, the total amount of compensation does not exceed the agreed body scratch aggregate limit of indemnity.

The spiritual damage compensation for the additional clauses

Article 1This additional risk is the third party liability insurance, the car personnel liability insurance (hereinafter referred to as: the main risk) additional risk, inconsistent with the additional insurance clause and the main risk, the supplementary clauses shall prevail; this additional clause is not specified, shall apply to the main clause.

Article second Requirements for the main clause of insurance accident, the victim to the insured claim for compensation for mental damages, liability of compensation for mental damage to the judgment of the court, shall be borne by the insurer, the company responsible for compensation in accordance with the provisions of the additional risks.

Article third The following losses, expenses, the company will not be responsible for compensation:

(a) shall be made by the other party accident responsibility compulsory insurance contract in accordance with the motor vehicle traffic accident liability shall be part of the compensation;

(two) the spirit damage compensation for personal injury caused by the non;

(three) except with the prior written consent of the company, not through any compensation for the people's court to determine the decision mode.

Article fourth The additional clauses stipulated in article second of the insurance accident, liability to pay compensation 80% damage to the spirit of the maximum amount of compensation does not exceed the company's court, shall be borne by the insurer.

Whatever the case, the total does not exceed the amount of spiritual damage compensation stipulated aggregate limit of indemnity.

Vehicle cargo liability additional clauses

Article 1This additional risk is the third party liability insurance (hereinafter referred to as: the main risk) additional risk, inconsistent with the additional insurance clause and the main risk, the supplementary clauses shall prevail; this additional risk is not specified, the main risk provisions shall apply.

Article second The insured or the valid driver in the use of insurance of vehicles during the accident cause insurance the goods carried by the vehicle suffered direct damage, according to the law by the economic liability to indemnify the insured, the company responsible for compensation in accordance with the provisions of the additional risks.

Article thirdThe loss, the company will not be responsible for compensation:

(a) the goods by theft, looting loss;

(two) the natural loss, shortage, defects, death, decay, deterioration resulted in the loss of;

(three) the illegal carriage or because of poor packaging, fastening, loading, covering the loss due to improper;

(four) cargo private goods or illegal personnel on the car carrying the loss;

(five) due to the loss of the intentional act of driver.

Article fourth  The additional clauses stipulated in article second of the insurance accident, the maximum amount of compensation does not exceed the economic compensation shall be made by the insured for 80%, and no more than the agreed cargo limitation of liability.

Many accidents deductible clause

Article 1The car hit the car car loss danger, loss of vehicles, vehicle loss comprehensive insurance all risks (hereinafter: the main risk) can be attached to this clause, the clause is not consistent with the main insurance clause, the clause shall prevail; this clause does not provide the main clause, applicable regulations.

Article second Self insurance vehicles occurred third times (including third) the main clauses stipulated in the insurance accident, every occurrence of an accident, the absolute 免赔率 another increase of 5%, but with the number of accidents increases with the increase of the deductible franchise is not more than 25%.

The spontaneous loss of liability exemption clause

Article 1The vehicle damage insurance (hereinafter: the main risk) can be attached to this clause, the clause is not consistent with the main insurance clause, the clause shall prevail; this clause does not provide, shall apply the main clause.

Article second For the special provisions for insurance, vehicle ignition loss, the company will not be responsible for compensation.

 

Wade driving loss liability exemption clause

Article 1The vehicle damage insurance (hereinafter: the main risk) can be attached to this clause, the clause is not consistent with the main insurance clause, the clause shall prevail; this clause does not provide, shall apply the main clause.

Article second Against the special clause, because the insurance vehicle wading traffic losses, the company will not be responsible for compensation.

The accident responsibility franchise clause

Article 1The car hit the car car loss danger, loss of vehicles, vehicle damage insurance comprehensive insurance, third party liability insurance (hereinafter referred to as: the main risk) can be attached to this clause, the clause is not consistent with the main insurance clause, the clause shall prevail; this clause has no provisions shall apply, main clause the.

Article second According to the driver in the accident responsibility proportion, the company set the accident responsibility corresponding franchise. The insured, the insured can select the accident responsibility to apply the following three categories of franchise:

The driver responsibility proportion	Accident liability of franchise	The accident responsibility franchise II	The accident responsibility franchise III
Full responsibility	15%	20%	25%
The main responsibility	10%	15%	20%
Equal liability	8%	10%	15%
Secondary responsibility	3%	5%	10%

Article third For the special provisions, the term "absolute 免赔率 and" refers to the main risk provisions in Main Clauses all deductible franchise and the special provisions of the franchise and the responsibility of the accident.

 

Optional deductible clause

Article 1The car hit the car car loss danger, loss of vehicles, vehicle loss comprehensive insurance all risks (hereinafter: the main risk) can be attached to this clause, the clause is not consistent with the main insurance clause, the clause shall prevail; this clause does not provide the main clause, applicable regulations.

Article secondThe insured shall in consultation with the company to determine the deductible and policy specified, the company according to the deductible to the insured corresponding preferential rates agreed.

The scope of the insurance, the insurance vehicle within the insurance accident, the franchise shall apply to other additional risks and special terms agreed, the amount of indemnity according to the main risk calculation does not exceed the deductible agreed, the company will not bear the responsibility for compensation; exceed the deductible, the company after deducting the deductible the amount, compensate for the excess.

Non operating vehicle monthly depreciation rate table

Vehicle type	The monthly depreciation rate
The 9 seat the following (including 9) bus	0.60%
More than 9 (not including 9) bus	0.90%
Agricultural carriage car	1.40%
Other vehicles	0.90%