Legal basis: China Insurance Association model clauses of motor vehicle commercial insurance.
Article 8 Within the above insurance coverage, the insurer shall not be liable for the losses and expenses of the insured motor vehicle for any reason under the following circumstances:
(1) After the accident, the insured or its authorized driver drives the insured motor vehicle or abandons the insured motor vehicle to escape from the scene of the accident, fails to take measures according to law, or intentionally damages, forges the scene or destroys evidence;
(2) The driver has one of the following circumstances:
1, drinking, smoking, injecting drugs, taking psychotropic drugs or narcotic drugs under state control;
2. Without a driver's license, the driver's license is detained, withheld, revoked or cancelled according to law;
3. Driving a motor vehicle that is inconsistent with the quasi-driving type specified in the driver's license;
4. Driving a bus, operating a bus or performing a task during the internship period, carrying dangerous goods by a motor vehicle or towing a trailer by a motor vehicle;
5. Driving a taxi or commercial motor vehicle without a license issued by the transportation management department or other necessary documents;
6. There is no legal coach when learning to drive;
7. Drivers not allowed by the insured;
(3) The insured motor vehicle is under any of the following circumstances:
1. When an insurance accident occurs, the driving license and number plate of the insured motor vehicle are cancelled, or the inspection is not conducted as required or the inspection is unqualified;
2. During the period of seizure, seizure, confiscation and government expropriation;
3. During the competition, conduct testing, maintenance and modification in the business premises;
4. Be used to commit crimes.
Article 9 The insurer shall not be liable for the losses and expenses of the insured motor vehicle caused by the following reasons:
(1) Earthquake and its secondary disasters;
(2) War, military conflict, terrorist activities, riots, pollution (including radioactive pollution), nuclear reaction and nuclear radiation;
(three) artificial direct oil supply, high temperature baking, spontaneous combustion, unknown fire source;
(4) The insured motor vehicle has been transferred, modified, installed or changed in nature, resulting in a significant increase in the risk of the insured motor vehicle, and the insured and the transferee failed to notify the insurer in time;
(5) Intentional behavior of the insured or its licensed driver.
Article 10 An insurer shall not be liable for the following losses and expenses:
(1) Impairment caused by market price changes and impairment loss caused by value reduction after repair;
(2) During this period, the whole insured motor vehicle is stolen, robbed, robbed, unaccounted for, damaged, or damaged by theft, robbery or attempted robbery, or the parts and accessories on the vehicle are lost;
(three) natural wear and tear, corrosion, rust, failure, quality defects;
(four) the wheel is damaged alone, the glass is broken alone, the car body scratches have no obvious collision marks, and the new equipment is lost;
(5) The engine is damaged due to water inflow;
(six) after suffering losses within the scope of insurance liability, continue to use it without necessary repair and inspection, resulting in increased losses;
(7) If the insured, the insured or the driver allowed by him fails to notify the insured accident in time intentionally or due to gross negligence, which makes it difficult to determine the nature, cause and loss degree of the insured accident, the insurer shall not be liable for the uncertain part, except that the insurer already knows or should know the insured accident in time through other means;
(8) Indeterminable losses caused by the insured's violation of Article 16 of this Article.