In order to protect the legitimate rights and interests of customers, when filling out the insurance policy, we must first read the relevant contents carefully. For items you don't know, you need to ask professionals carefully and fill in correctly after you know all the information. The following are some technical terms with high usage rate, which are convenient for customers to fill in correctly: applicant: the person who enters into an insurance contract with the insurer and has the obligation to pay the insurance premium according to the contract. The name of the applicant's unit should be consistent with the name of the official seal, and the name of the individual should be consistent with the name on the ID card. Insured: the person who has the right to claim insurance money when the subject matter insured suffers losses within the scope of insurance liability. In auto insurance, the name of the insured is generally the same as the owner of the insured vehicle's driving license. If the name of the insured is inconsistent with the name of the owner, the relationship between the insured and the insured vehicle shall be indicated on the insurance application form. Nature of use: divided by business transportation or non-business transportation, and truthfully filled in. Business transportation refers to vehicles engaged in social transportation and collecting freight; Non-commercial vehicles refer to vehicles used by organs, organizations, enterprises, institutions and families. If both are available, fill in business transportation. The insured amount of vehicle loss insurance: the maximum amount of compensation paid by the insurer when the insured vehicle suffers losses within the scope of insurance liability. Generally, it is determined according to the local market price of the insured vehicle (including the new car purchase surcharge), or according to the actual value of the vehicle or through consultation with the insurer, but the insured amount of the vehicle loss insurance cannot exceed the new car purchase price of similar vehicles at the time of insurance, and the excess is invalid. Insurance period: generally one year, that is, from 0: 00 the day after the signing of the policy to 24: 00 the expiration date. Short-term insurance can also be insured according to the actual situation, and the rate is calculated in short term rates. Special agreement: In addition to the contents of the policy, the customer has other requirements. After consultation with the insurance company, the customer can indicate in this column that the legal effect of this column takes precedence over the terms of the insurance policy. After the insurance company issues the insurance policy according to the insurance application form filled out by the customer, the customer needs to go through the payment formalities in time, and after the payment, the insurance policy and insurance certificate can be obtained, and the policy contract will take effect at the same time.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.