Article 1 in the insurance period, the legal driving insurant and permitted accidents in the use of insurance in the insurance vehicle vehicle, personnel on the car suffered casualties, according to the law shall bear the liability for the economy of the insured, the company responsible for compensation in accordance with the provisions of the insurance contract.
Exemption from liability
The accident resulted in second of the following reasons, the company will not be responsible for compensation:
(a) earthquake;
(two) the war, the military conflict, terrorism, riots, seizure, confiscation, seizure, requisition by government;
(four) the victim and the insured or allows the driver to malicious collusion.
Article third when accident occurs, the insurance vehicle in any of the following circumstances, the company shall not be liable for:
(a) unless otherwise agreed, by the traffic control department of the public security organ without driving permit, license plate when insurance accident happens, or temporary plate or temporary mobile card;
(two) no motor vehicle safety and technical inspection or testing within the period of inspection did not pass;
(three) insurance vehicle in a contest, inspection, repair, maintenance, custody, requisition, confiscation, the whole car was theft, robbery, snatch during;
(four) traction other uninsured vehicles or traction is the type of vehicle;
(five) a transfer of ownership, not to the company to revise procedures.
Article fourth in case of accident, the driver in any of the following circumstances, the company shall not be liable for:
(a) failure to obtain a driver's license, driving license examination is not qualified, shall conduct examination in accordance with the motor vehicle driving type does not match the quasi fails to physical examination or examination unqualified, driving and driving license;
(two) the driver in the driving license is lost, damaged, expired or been detained in accordance with the law, detained or score reached 12 points, still driving a motor vehicle;
(three) learning driving without a coach with the vehicle guidance;
(four) the vehicle the internship period, buses, bus or execution of police cars, fire engines, ambulances, engineering rescue vehicles and carrying explosives, inflammable or explosive chemicals, toxic or radioactive and other dangerous goods, or driving motor vehicles towing trailers;
(five) drinking or taking state control of psychotropic drugs or narcotics;
(six) without the consent of the insured or allowed to drive;
(seven) engaged in criminal activities by the insured vehicle;
(eight) after the accident, the insured or the allowed drivers in failing to take measures in the case of driving vehicles or vehicle insurance insurance abandonment fled the scene of the accident, or vandalism, falsifies the scene, destroy evidence;
(nine) the use of special machinery and vehicles, various effective operation certificate of special vehicles without issuing the relevant departments of the state, driving the business bus drivers issued by the relevant departments of the state without the effective certificate;
(ten) according to the traffic management departments of public security organs or the relevant provisions of laws and regulations do not allow the other driver under the driving of vehicle insurance.
Article fifth the following losses, the company will not be responsible for compensation:
(a) because of regulations on causing casualties;
(two) is caused by the intentional act of the insured or the driver casualties;
(three) is caused by the intentional act the other car insurance and driving the staff own casualties;
(four) the board staff due to illness, childbirth, self mutilation, fighting, Dutch act, criminal behavior caused by their own casualties;
(five) the personnel on the car in the car when the person casualties;
(six) insurance vehicle plundered during the robbery, causing casualties;
(seven) any mental damage insurance accident compensation;
(eight) should be made compulsory insurance compensation for the losses and expenses;
(nine) according to the insurance franchise calculation of the insured shall bear part of the.
Sixth other does not belong to the scope of insurance liability losses and costs, the company will not be responsible for compensation.
Limit of indemnity
Seventh this insurance according to different seats, divided into the driver's seat and the passenger seat.The passenger seat according to the ratified number of passenger vehicle insurance (except to determine the driver's seat).The driver and passenger seat a maximum compensation limit the maximum compensation limit per seat by the insured and the insurance company negotiation in determining.
Treatment of claim
Article eighth the insured claims, shall provide to the company:
(a) insurance policy;
(two) were valid identity the insurer and the personnel on the car, insurance proof of vehicle driving license, driving license;
(three) issued by the traffic control department of the public security organs issued by the traffic accident responsibility confirmation or institutions such as courts of the relevant legal documents and other evidence;
(four) the personnel on the car body disability certificate and related expenses documents;
(five) the other to confirm the property of insurance accident, reason, loss and other material relevant to.
Article ninth insurance vehicle road traffic accident, the company according to the proportion of liability accident drivers have corresponding negative in the traffic accident liability.
The traffic control department of the public security organ to deal with the accident did not determine the proportion of accidents, determine the proportion of accidents in accordance with the following provisions:
The insurance side of the vehicle to take full responsibility of the accident, the proportion of responsibility for the accident is not more than 100%;
The insurance side of the vehicle to bear the main responsibility for the accident, the proportion of responsibility for the accident is not more than 70%;
The negative equivalent accident liability insurance accident vehicle, ratio of not more than 50%;
Negative secondary liability insurance in the vehicle, the proportion of responsibility for the accident is not more than 30%;
The vehicle without accident liability insurance, the company will not be liable for compensation.
Tenth according to the proportion of liability accident drivers have negative in the traffic accident, this insurance shall be responsible for the accident corresponding: franchise deductible 15% negative total liability, deductible 10% primary responsibility, equal responsibility for the negative 8% franchise, franchise 5% negative secondary responsibility.The accident responsibility unilaterally accident franchise for 15%.
The eleventh time when the insurance accident occurs, the insurance of vehicle real driving area beyond the scope of insurance, the implementation of 10% absolute 免赔率.
Twelfth the applicant may designate the driver or not specified in people driving the insured, and to implement the corresponding rate.
Designated driver, the insured shall truthfully inform the designated driver related information, including name, gender, age, driving, quasi driving type, first get a driver's license, identity card or other valid certificate number etc..
The designated insurance vehicle drivers, by non designated driving insurance vehicle insurance accident occurs, the specified driver or the insured person to provide information is not true, for a 10% increase in the absolute 免赔率.
Article thirteenth the car personnel casualties caused by the accident insurance, without the written consent of the company, the insured to promise or pay the amount of compensation, the company has the right to re approved.Does not belong to the scope of the company's compensation or beyond the company should be the amount of compensation, the company does not assume liability to pay compensation.
Fourteenth the insurance after the accident, the company in accordance with the provisions of the scope of compensation, the relevant national laws and regulations and standards as well as the contract of insurance, and the health administrative department of the State Council formulate accident personnel trauma clinical guidelines and national basic medical insurance standard to calculate the amount of compensation.The amount of compensation does not exceed the specified driver in the driver's seat of policy, the maximum compensation limit, the amount of compensation for each passenger shall not exceed the policy stated maximum compensation limit per passenger seat, the maximum compensation shall be limited to the insured seat number.
The fifteenth place car personnel casualties, the insurance according to the following method to calculate the amount of compensation the personnel on the car:
(a) when the amount of compensation to the insured according to the proportion of accidents should be higher than the compensation limit:
A limit of indemnity claims = x (1 - accident liability franchise) * (1 - deductible franchise)
(two) when the amount of compensation to the insured according to the proportion of accidents should be equal to or lower than the compensation limit:
Claims for compensation amount x = (1 accident liability of franchise) * (1 - deductible franchise)
Article sixteenth insurance vehicles and other motor vehicles in use process caused by collision of the vehicle on the personnel casualty, should be by other motor vehicle compulsory insurance compensation, the company first deducted, according to the insurance vehicle driver in the accident the negative accident responsibility proportion, responsible for compensation in accordance with the provisions of this contract.
Article seventeenth the repeated insurance vehicle insurance motor vehicle liability insurance, the company shall bear the liability for compensation in accordance with the contract liability and insurance contract liability limit the ratio of the sum of.
In Eighteenth the company and insurant loss amount is determined through consultation and compensation after the case, the victim and the same accident to the insured claim for compensation, the company shall not be liable for.
Article nineteenth the insured to obtain the compensation, the insurance contract shall continue to be valid, expired until the period of insurance.
Article twentieth the company accepted the report, field mapping, nuclear damage pricing, participate in litigation, to provide suggestions for insurance and related documents issued and the requirements of such acts, shall not constitute the company for compensation responsibility commitment.
The second part is the general terms
During the period of insurance
Article 1 except otherwise stipulated, the contract period of insurance for one year.
During the second insurance less than a year by short-term tariff collection insurance; insurance period is less than one month part is calculated by a month.
The insurer obligation
In third the company's underwriting, shall apply to the insured that liability insurance, liability insurance, compensation from processing, period of insurance, insurance and payment, the insurer and the insured obligations.
Fourth the company shall timely accept by accident report of the insurer, and the survey as soon as possible.
48 hours after the company received a report, as the company reason not timely survey and not to accept the advice, causing the loss of property could not be determined, to provide the insured property damage, loss, accident certificate photos list and repair invoices as compensation adjustment according to the.
In fifth the company received the insured's claim, shall timely make approved.
(a) the company should be based on the nature of the accident, loss, in a timely manner to be provided for the insurer claims; claim that audit material evidence and materials related to the incomplete, it shall timely notify the insured for additional evidence and information.
(two) the insured to provide the necessary documents, the company shall promptly review, and verification results inform the insured.
(three) belonging to the insurance liability, the company should be in a compensation agreement with the insured person within 10 days after the payment of indemnity.
In sixth the company to understand in handling insurance business of the insured, the insured business and property and personal privacy, confidentiality obligations.
The insured, the insured obligations
Seventh the applicant, shall truthfully fill in the application form, to the company disclosure of important matters, and provide insurance vehicle certificate, motor vehicle registration certificate copy, such as the designated driver, should also provide the designated driver's license copy of driver.The insured intentionally conceals facts, does not perform the duty of disclosure, the company has the right to refuse to compensate or self written notice to terminate the insurance contract.
Article eighth the insured shall pay the premium in accordance with the provisions of the insurance contract.If the applicant does not pay insurance premium by the agreement, the company may terminate the insurance contract in thirty days after the agreed period.
Agreed one-time delivery insurance premium, the insured shall pay in the future delivery insurance premium, if the actual payment date in the insurance during the period, the company accounts from the day after the responsibility of insurance from insurance, insurance during the period ended;
Agreement of installment premium, the insurance within the period of the insurance accident, the company according to the insurance accident occurred before the actual charging premium and the insured shall pay the premium ratio assume insurance responsibility.
Article ninth in the insurance period, insurance vehicle from modifying, adding, to change the use of dangerous degree increased, it shall timely notify the company and to revise, increased insurance formalities.If the insured fails to fulfill the obligation of notification, due to the increased risk to the insurance vehicle insurance accident, the company does not assume liability to pay compensation.
Tenth maintenance, maintenance of the insured and the driver shall do a good job of vehicle insurance, and in accordance with the provisions of the test; the insurance vehicle loading must comply with the relevant provisions of the motor vehicle loading of the laws and regulations, so as to maintain the driving safety state; the insured and the driver should according to the company's proposed to eliminate unsafe factors and hidden advice, take appropriate and timely corrective measures.The insured fails to fulfill its should do the insurance vehicle safety responsibility, the company has the right to request additional insurance premium or to terminate the contract of insurance.
The eleventh time when the insurance accident occurs, the insured shall take timely and reasonable, necessary rescue and protection measures, to avoid or minimize the loss, and timely in the insurance after the accident (48 hours) notify the company, actively assist the company to survey or accident investigation.Otherwise, the insured fails to adopt timely rescue and protection measures so as to expand the loss, or did not inform, not actively cooperate with the company cannot be the cause of the accident, the extent of damage, reasonable survey or the accident investigation, the company has the right to refuse compensation.
Article twelfth the insured for claims, should be submitted to prove that the cause of the accident, nature, responsibility and loss of the written materials to the company.The insured claims shall not conceal the fact, forged documents, manufacturing Jiaan fraud.The insured fails to provide the relevant materials, the company is unable to verify the authenticity of the materials and records of the content, the company is unable to verify part does not bear the liability for compensation.
Article thirteenth the occurrence and insurance related arbitration or litigation, the insured shall immediately notify the company.If the insured fails to notify the company to the company failed to timely defense caused by the loss, the company will not be responsible for compensation.
Other matters
Article fourteenth the insured shall not be suspended, vehicle insurance into the factory repair or missing and application fee reduction or to extend the period of insurance.
Article fifteenth before the commencement of the insurance liability, the applicant requests the termination of the contract, the company return the insurance premium, and deduct the fee in accordance with the relevant provisions of the "insurance law" of the people's Republic of China, the fee for the insurance premium of three percent.
Sixteenth after the commencement of the insurance liability, the applicant requests the termination of the contract, or the company in accordance with the relevant provisions of the "insurance law" of the people's Republic of China of cancelling the contract, the company in accordance with the daily rate of income from the commencement of the insurance liability to the date of termination of the contract the date of the period of insurance, the remainder returned to the insured.
Article seventeenth the insurant demands the termination of the insurance contract, this contract the company received the insured of the application, release.The company to terminate the insurance contract, the applicant will be notified 15 days in advance notice to terminate the insurance contract, the applicant 15 days after delivery, the contract shall automatically terminate.
Dispute settlement
Article eighteenth 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 body or a dispute after the failed to reach an arbitration agreement, to a people's court according to law.
The third part additional risks
Broken glass separate clauses
Article 1 the 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 second liability insurance
In the insurance period, insurance vehicles in use process, the car windscreen or glass window alone and broken, the company according to the actual loss compensation.
The insured on the basis of consultation with the company on a voluntary, according to import or domestic glass choose insured, the company according to their choice to bear the corresponding liability insurance.
Third exemption from liability
The loss of vehicle insurance, the company will not be responsible for compensation:
(a) lamps, car mirror glass broken;
(two) crushing installation, repair of vehicles caused by the process of glass.
Body scratch damage insurance clause
Article 1 the 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 second liability insurance
In the insurance period, insurance vehicle body surface without obvious traces of paint separate collision scratch, the company in accordance with the provisions of this contract according to the actual loss compensation.
Third exemption from liability
The loss of vehicle insurance, the company will not be responsible for compensation:
(a) by the intentional act the insurer or the driver caused the loss of vehicle insurance;
(two) and others because of the insured person or the driver and members of their families and civil, economic disputes caused the loss of vehicle insurance;
(three) the natural aging of the body surface, damage;
(four) the other does not belong to the scope of insurance liability losses and expenses.
Article fourth compensation processing
(a) the insurance compensation are carried out every 15% absolute 免赔率;
(two) in the insurance period, the company compensation amount accumulative total compensation limit, this additional insurance termination.
Spontaneous loss clause
Article 1 the 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 second liability insurance
In the insurance period, insurance vehicles in use process, due to the failure of the vehicle and cargo of electrical wires, circuit, fuel supply system, air supply system itself causes 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 expenditures necessary and reasonable sue and labor expenses, the company responsible for compensation.
Third exemption from liability
The loss, the company will not be responsible for compensation:
(a) the insured vehicle insurance in use process, because of violation of the rules of safe operation of the vehicle artificial direct supply, high temperature baking losses;
(two) for spontaneous combustion caused only electrical appliances, circuit, circuit, fuel supply system, air supply system losses;
(three) cargo loss;
(four) by the intentional act the insurer or illegal behavior caused the loss of vehicle insurance.
Article fourth the amount of insurance
The amount of insurance the insurance company by the insured and the consultation in the actual value determined in the vehicle insurance.
Article fifth compensation processing
(a) in the insurance amount insurance stated in calculation of compensation, according to the actual loss of vehicle insurance;
(two) the insurance compensation are carried out every 20% absolute 免赔率.
The vehicle to stop loss insurance clause
Article 1 the 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 second liability insurance
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, the company according to the stipulations of the contract of insurance in the compensation limit for compensation.
Third exemption from liability
The company shall not be liable for stop loss:
(a) the vehicle was confiscated, seizure, attachment loss during;
(two) for vehicle repair quality requirements, cause rework loss during;
(three) other additional risks under the insurance accident loss to stop vehicles.
Article fourth the limit of indemnity
On the amount of compensation limit of indemnity to the insured and the insurance company at the agreed compensation days multiplied by agreement shall prevail, but the insurance contract of the maximum compensation for 90 days.
Article fifth compensation processing
(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.
Vehicle charges clause
Article 1 the 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 second liability insurance
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 car expenses, the company according to the insurance contract shall be responsible for the damages in the compensation limit.
Third exemption from liability
The company shall not be liable for stop loss:
(a) the vehicle was confiscated, seized, seized during the vehicle expense;
(two) for vehicle repair quality requirements, cause rework during the vehicle expense;
(three) other additional risks under the insurance accident need rental costs.
Article fourth the limit of indemnity
On the amount of compensation limit of indemnity to the insured and the insurance company at the agreed compensation days multiplied by agreement shall prevail, but the insurance contract of the maximum compensation for 30 days.
Article fifth compensation processing
(a) the insured person to the company for compensation, should be provided to the company:
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.
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