2 insurance contract templates? general rule
? Article 1 This insurance contract consists of insurance clauses, application forms, insurance policies, approval forms and special agreements. Any agreement on this insurance contract shall be in written form.
? Article 2 Unless otherwise agreed, motor vehicles in this insurance contract refer to automobiles, trams, battery cars, motorcycles, tractors, various special-purpose mechanical vehicles and special-purpose vehicles running in People's Republic of China (PRC) (excluding Hong Kong, Macao and Taiwan).
? Article 3 This insurance contract is an unvalued insurance contract. The insurer bears the insurance liability according to the type of insurance, and the additional insurance cannot be underwritten separately. An unvalued insurance contract refers to an insurance contract in which the insured value of the insured subject matter is determined according to the actual value of the insured subject matter at the time of the insured accident, rather than according to the insured value of the insured subject matter determined in advance.
? insured liability
? Article 4 The insurer shall be responsible for the compensation for the loss of the insured vehicle caused by the following reasons during the use of the insured vehicle:
? (1) Collision, overturning and falling;
? (2) Fire and explosion;
? (3) Foreign objects fall or collapse;
? (4) Storms and tornadoes;
? (5) Lightning strike, hail disaster, rainstorm, flood and tsunami;
? (six) subsidence, ice subsidence, cliff collapse, avalanche, debris flow and landslide;
? (seven) the ferry carrying the insured vehicle suffers from natural disasters (only those who are taken care of by the driver).
? Article 5 In the event of an insured accident, the insurer shall bear the necessary and reasonable rescue expenses paid by the insured to prevent or reduce the loss of the insured vehicle, and the maximum amount shall not exceed the insured amount.
? exonerate
? Article 6 The insurer shall not be liable for the loss of the insured vehicle for any reason under the following circumstances:
? (1) Earthquake, war, military conflict, terrorist activities, chaos, seizure, confiscation and government expropriation;
? (two) during the competition and testing, repair and maintenance in the business maintenance site;
? (3) engaging in illegal activities by using insurance vehicles;
? (4) The driver uses an insurance vehicle after drinking, smoking, injecting drugs or being anesthetized;
? (five) the insured vehicle hit and run;
? (six) the driver has one of the following circumstances:
? 1. No driver's license or driving a vehicle inconsistent with the driver's license;
? 2. Driving without a valid driver's license stipulated by the public security traffic management department;
? 3. The personnel who use all kinds of special mechanical vehicles and special vehicles have no valid operation certificates issued by relevant state departments; Drivers driving commercial buses do not have valid qualification certificates issued by relevant state departments.
? (seven) the insured does not allow the driver to use the insured vehicle;
? (eight) the insurance vehicle has no valid driving license.
? Article 7 The insurer shall not be liable for the following losses and expenses of the insured vehicle:
? (a) Natural wear and tear, corrosion, failure, and separate tire damage;
? (two) the car body has broken glass scratches and no obvious collision marks;
? (three) losses caused by direct oil supply and high temperature baking;
? (four) spontaneous combustion and fire losses caused by unknown reasons; Spontaneous combustion refers to the fire and combustion caused by the failure of electrical appliances, wiring and oil supply system of the vehicle or the failure of the goods themselves.
? (five) after suffering losses within the scope of insurance liability, continue to use it without necessary repairs, resulting in increased losses;
? (6) Losses caused by pollution (including radioactive pollution);
? (seven) depreciation caused by changes in market prices and losses caused by the decrease in value after repair;
? (eight) the loss of uninsured new equipment beyond the standard configuration of vehicles;
? (9) Starting when the exhaust pipe or intake pipe is flooded, or starting the vehicle without necessary treatment after being flooded, resulting in engine damage;
? (ten) the loss caused by the fall, collapse, collision and leakage of the goods carried by the insured vehicle;
? (eleven) the loss caused by the overturning of the motorcycle during parking;
? (twelve) stolen, robbed, robbed, and stolen, robbed, robbed and damaged vehicles, or lost parts and accessories on the vehicle;
? (13) Losses caused by intentional acts of the insured or the driver.
? Article 8 Other losses and expenses not covered by the insurance liability.
? insurance
? Article 9 The insured amount shall be determined by the applicant and the insurer in the following three ways, and the insurer shall bear corresponding compensation liabilities according to the different ways of determining the insured amount:
? (a) according to the purchase price of the new car of the insured vehicle at the time of insurance. The purchase price of a new car in this insurance contract refers to the price of buying a new car of the same type as the insured vehicle at the place where the insurance contract is signed (including vehicle purchase tax).
? (2) According to the actual value of the insured vehicle at the time of insurance. The actual value in this insurance contract refers to the depreciation of the same type of vehicle after deducting the depreciation amount. Less than one year, no depreciation. The maximum depreciation shall not exceed 80% of the purchase price of the insured vehicle at the time of insurance.
? (3) It shall be determined through negotiation within the purchase price range of the insured vehicle at the time of insurance.
? (4) The name and price list of the new equipment beyond the standard configuration of the insured vehicle shall be specified in the insurance contract, and the insurance amount shall be increased accordingly according to the actual value of the equipment. The new equipment will be depreciated together with the insured vehicle.
? Insurance period
? Article 10 Unless otherwise agreed, the insurance period is one year, subject to the starting and ending time specified in the insurance policy.
? Obligations of the insurer
? Article 11 When undertaking insurance, the insurer shall explain to the applicant the insurance liability, exemption from liability, insurance period, insurance premium and payment method, and the obligations of the applicant and the insured, etc.
? Article 12 An insurer shall promptly accept the accident report submitted by the insured and conduct an investigation as soon as possible. If the insurer fails to make a survey and give an acceptance opinion within 48 hours after receiving the report, and the property loss cannot be determined, the property loss photos, loss list, accident certificate, repair invoice, etc. provided by the insured shall be used as the basis for claim settlement.
Insurance contract template 2 2? In order to ensure the healthy growth of children, assist parents to raise funds for their children's education and marriage, and get certain financial compensation when their children encounter accidents, this insurance is specially held.
? Chapter I Insurance Conditions
? Article 1 All parents (insured persons) aged 2/kloc-0 to 50 can apply for children's insurance from insurance companies (insurers) for their healthy children (insured persons) aged/kloc-0 to 1 5. However, the provisions of Article 7 of this Article shall not apply to the insured who is in poor health and unable to work and work normally at the time of insurance.
? If the applicant changes, it shall notify the insurer in time, and the change formalities can only be handled with the consent of the insurer, otherwise the insurer will not bear the insurance liability.
? Chapter II Insurance Term and Insurance Liability
? Article 2 The insurance period is seven to twenty-one years, from the time when the insured starts to apply for insurance to the time when the insured reaches the age of twenty-two.
? Article 3 An insurer shall bear the following insurance liabilities to the insured:
? 1. If the insured is disabled due to an accident during the insurance period, the insurer shall share all or part of the insurance premium according to the accident insurance amount (see Table 1), but the annual payment shall not exceed the accident insurance amount.
? 2. If the insured dies of accidental injury within the insurance validity period, the insurer shall pay all the insurance money according to the amount of accidental injury insurance, and pay the death surrender money at the same time (see Table 2), and the insurance liability shall be terminated.
? 3. If the insured dies of illness during the insurance period, the insurer will pay the death surrender money, and the insurance liability will be terminated.
? 4. When the insured is admitted to full-time undergraduate and junior college students in institutions of higher learning within the insurance validity period, the insurer shall pay the agreed education fund every year according to the registration certificate, and the payment period shall be limited to the insured reaching the age of 22.
? 5. When the insured survives until the insurance expires, the insurer pays the marriage insurance money (see Table 3), and the insurance liability is terminated.
? Chapter III Exemption from Liability
? Article 4 An insurer shall not be liable for the payment of insurance benefits under the following circumstances.
? 1. The applicant conceals, cheats or violates the insurance conditions.
? 2. Death or disability of the insured due to intentional or criminal acts of the insured and the insured.
? 3. Death or disability caused by fighting and drinking suicide of the insured.
? 4. The insured is killed or disabled due to war or hostile acts.
? 5. The insured dies or is disabled outside People's Republic of China (PRC) and China.
? 6. Medical expenses caused by various reasons.
? 7. Other matters not covered by insurance.
? Chapter IV Insurance Premium and Insurance Amount
? Article 5 The monthly insurance premium is divided into four grades, namely, five yuan, ten yuan, fifteen yuan and twenty yuan, which are chosen by the insured. Pay the insurance premium every month, and the payment period is the same as the insurance period.
? Article 6 The monthly insurance premiums are in 5 yuan, 10 yuan, 15 yuan and 20 yuan, and the annual accident insurance coverage is 1000 yuan, 2,000 yuan, 3,000 yuan and 4,000 yuan respectively, and the annual education funds are 100 yuan, 200 yuan, 300 yuan and 400 yuan respectively. If the insured is over one year old (including one year old), the education fund will be halved.
? Article 7 During the insurance period, the insured and his wife died of accidental injury or illness after the second anniversary from the effective date of insurance. The insured or his guardian may apply to the insurer with the insurance certificate and necessary documents. After investigation and verification by the insurer, the insurance premium can be fully exempted from the next month. If one of the insured couples has the above accident, the insurance premium can be exempted by half.
? Chapter V Validity, Invalidation, Reconciliation and Surrender
? Article 8 The insurance policy shall take effect from the first day of the insurance month, but it shall not take effect until the applicant pays the initial premium.
? Article 9 If the insured fails to pay the insurance premium in accordance with the regulations and fails to go through the formalities of overdue payment for one month, the insurance policy will automatically become invalid, and the insurer will not bear the responsibility of paying the insurance premium, but can return the survival surrender money (see Table 4).
? Article 10 Within two years after the expiration of the insurance policy, the applicant may apply for reinstatement. With the consent of the insurer, the insurance policy will be reinstated after the applicant pays the expired insurance premium and interest.
? Article 11 When applying for surrender, the insurance policy must be over two years, and the premium must be paid in full according to the regulations. Anyone who meets the application conditions and requests to surrender, the insurer will surrender according to the regulations.
? Chapter VI Application and Payment of Insurance Funds
? Article 12 When the insured dies or suffers from disability within the scope of insurance liability during the insurance period, the applicant shall submit an application for payment of insurance benefits to the insurer in time with the insurance policy and provide the following certificates: