Beijing Branch Family Property Insurance Clause
Chapter 1 Insurable Property
Article 1 Any of the following family property belonging to the insured may be used as the subject of insurance if it is stored at the place indicated in this insurance policy, and the insured shall go through the insurance formalities with the insurer.
First, clothing supplies, bedding;
Second, furniture, appliances, interior decoration;
3. Household appliances, cultural and entertainment products;
4. Farm tools and tools for rural families;
5. The property insured by the insured and the insurer, and uploaded on the insurance policy, is the property listed in paragraphs 1 to 4 of this article.
The insured referred to in this Article is the urban and rural residents who participate in the insurance.
The insurer referred to in this Article is China Pacific Insurance Company.
Chapter II does not protect property
Article 2 The following property is not covered by the insurance property:
1. Housing and ancillary equipment;
Second, transportation;
Third, cultivating machines, agricultural machinery, etc.;
4. The property and goods to be sold by the individual industrial and commercial households and even the shop;
5. Gold and silver, jewellery, jade, jewellery, currency, ticket, securities, commemorative coins, medals, medals, stamps, antiques, ancient books, calligraphy and paintings, archives, books, technical materials, charts, livestock, pets, flowers, trees, Fish, insects, birds, bonsai and other property and crafts that cannot be valued;
6. Tobacco and alcohol, food, food, agricultural and sideline products, medicines and cosmetics;
7. Game cards, turntables, DVDs, audio tapes, floppy disks, watches, pens, glasses, wireless communication devices, lighters, handbags, etc.;
8. Article 1 of this insurance clause Other property not listed in the insurance property and property under emergency danger.
Chapter III Insurance Term
Article 3 The insurance period is divided into one year, three years, five years, and long-term insurance. The insurance is valid for one to eight years. From the time of processing the insurance application and paying the insurance premium at 0:00 the next day, it will be 24 hours after the specified expiration date.
Chapter IV Insurance Amount
Article 4 shall be determined by the insured in accordance with the actual value of the insured property and shall be separately listed in accordance with the insurance property items specified in the insurance policy.
Chapter V Insurance premiums
Article 5 This insurance is divided into two forms: non-repayment and repayment of insurance. The insured shall voluntarily choose, and the insured shall pay the insurance premium once in accordance with the charging standard when insured. Please refer to the attached table for the charging standard.
Chapter VI Insurance Liability
Article 6 The insurer shall only be responsible for the economic loss and liability of the insurance property for the following reasons:
First, fire, explosion;
Second, lightning strikes, hail, snowstorms, floods, earthquakes, subsidence, cliffs, tornadoes, ice, and earth and stone;
3. Falling objects in the air and the collapse of foreign buildings and other fixed objects;
4. Loss of insurance property caused by necessary measures taken to prevent the spread of the disaster in the event of the above-mentioned disaster, and reasonable expenses paid during the rescue process.
Chapter VII Exclusion of Liability
Article 7 The insurer shall not be liable for damages caused by the following reasons:
1. War, military action or violence;
2. Nuclear radiation and pollution;
3. The intentional act of the insured or members of their family members;
Fourth, television, electrical appliances, electrical equipment due to excessive use and overvoltage, hit the line, arc flower, power failure, self-heating and other reasons caused by its own damage;
5. Insured property piled up in the open air and under the shed, and the shacks of the outer walls, roofs and roof trusses with materials such as mats, straw, oil felt, straw, reeds and canvas, due to storms and heavy rains;
6. Insects, rat bites, enzymes, deterioration, and other losses that are not covered by the insurance coverage listed in Article 6 of this policy;
7. Loss of insurance accidents arising from illegal property in illegal buildings and dangerous buildings.
Chapter VIII surrender
Article 8 Insurance that is not in the form of insurance shall not be surrendered in the middle of the expiration of the term of the insurance.
Article 9 Where the insured chooses to pay the insurance form for one, three or five years, the following insurance benefits shall be enjoyed after the insurance is insured, and the following provisions shall be followed:
1. After the insurance period expires, the insurance liability is terminated, and the insurer returns the insurance principal paid by the insured to the insured.
2. After the insurance period expires, if the insurance is not surrendered, the insured shall complete the renewal procedure.
3. If the insured requires the refund of the insurance principal during the insurance period, the insurance premium for the insurance year shall be calculated according to the non-returning property insurance rate, and the insurance principal shall be refunded after one year of less than one year. Deducted in the middle.
Article 10 The insured shall enjoy the following insurance benefits after insuring the insurance in the form of long-term reinstatement insurance, and shall comply with the following provisions:
1. Long-term effect The insurance period is valid for eight years. The insurance liability is terminated when the insurance expires in eight years. The insurer refunds the insurance principal paid by the insured to the insured.
2. Long-term effect If the insurance principal has been returned for more than five years, it depends on whether the insurance is out of danger during the insurance year. If the insurance occurs during the insurance year, the indemnity shall be calculated according to the short-term charging standard. If the insurance premium is not taken out during the insurance year, no refund will be made and the insurance principal will be refunded to the policyholder.
3. If the insurance period is not satisfied for five years, the refund of the insurance principal shall be handled in accordance with the provisions of the third paragraph of Article 9 of these Terms.
Chapter IX Compensation Processing
Article 11 When the insurance property suffers losses within the scope of insurance liability, the insurer shall risk the local market replacement price on the day of the actual loss and loss, and calculate the indemnity according to the new and old degree, but the maximum shall not exceed the sub-item of the insurance policy. The amount of insurance listed is limited. If the insurance amount is not listed on the insurance policy, the itemized compensation limit shall be calculated according to the following proportion; clothing and bedding shall be calculated at 20%; furniture, utensils and interior decoration shall be calculated at 30%; household appliances, cultural and entertainment products shall be 50% calculation.
Article 12 The reasonable salvage expenses paid in accordance with the provisions of Paragraph 4 of Article 6 of these Articles shall be calculated separately from the amount of compensation for direct losses of insurance property, each of which shall not exceed the amount of insurance.
Article 13 The remaining part of the insurance property after the loss shall be discounted to the insured at a reasonable price and deducted from the indemnity.
Article 14 In the event of a disaster or accident within the scope of insurance liability of the insurance property, the insured shall endeavor to rescue and store the site, report to the local public security department or relevant department, and immediately notify the insurer to determine the loss and investigation in a timely manner. .
Article 15 When the insured applies for compensation from the insurer, it shall provide the insurance policy, the list of insurance property losses, the bill for the rescue expenses, and the certificates of the unit, street, township and relevant functional departments.
Article 16 Where the loss of insurance property within the scope of insurance liability shall be compensated by the third party, the insured shall claim compensation from the third party. If the insured asks the insurer for compensation, the insurer may first compensate according to the relevant provisions of this article, but the insured must transfer the right to recover from the third party to the insurer and assist the insurer to recover from the third party. .
Article 17 After the insurance property is lost within the scope of insurance liability, the insured shall truthfully provide the insurer with the loss situation. If there is fraudulent behavior such as false reporting loss, the insurer has the right to refuse compensation or recover the compensation already paid. Termination of the insurance contract.
Chapter X Obligations of the Insured
Article 18 During the insurance period, if the place where the insurance property is stored changes or the ownership of the insurance property changes, the insured shall apply to the insurer for the formalities for approval.
Article 19 The insured shall safeguard the safety of the insured property and do a good job in disaster prevention and loss prevention in accordance with the requirements of the relevant departments.
Article 20 If the insured does not issue or violate the obligations and regulations of these articles, the insurer has the right to refuse compensation.
Chapter 11 Other Matters
After the insurance property is partially compensated by the insurer, the effective insurance amount for the insurance year is the balance of the original insurance amount minus the compensation amount.
If the insurance of non-repayment form accumulates the indemnity/insurance amount during the insurance period, the insurance liability shall be terminated and the insurance premium from the termination date to the expiration date shall not be refunded.
When the accumulated indemnity reaches the insured amount in the same insurance year, the insurance liability for the insurance year is terminated, but the insurance policy and the remaining annual insurance amount are still valid in full.
The various situations described in this article shall be subject to the approval of the insurer.
Article 22 If the insured does not apply for a claim from the insurer within one year from the day he knows or should have known that the insured property has suffered losses, he does not provide the documents specified in Article 15 of this article, or from insurance. If the person does not receive the claim within one year from the date of the written notice, he or she shall voluntarily give up the interest.
Article 23 In the case of insurance in the form of insurance, the insurer has the right to adjust the rate or the amount of insurance according to the change of the bank's interest rate for the same period, and inform the insured.
Chapter 12 Insurance Arbitration
Article 24 If the dispute between the insured and the insurer cannot be resolved, it may be submitted to the arbitration institution for arbitration or the court.
Family property insurance additional theft insurance clause
This insurance is an additional insurance for property insurance. Only on the basis of the insured's insurance for family property insurance, with the consent of the insurer, the family property can be insured for theft insurance. The insurance amount is not more than the insurance for the family property insurance insured by the insured. The amount is limited.
It is hereby agreed between the insured and the insurer that the family covered by this policy will attach theft insurance in accordance with the following provisions.
1. Insured property stored in the insurance address room, the insurer is liable for compensation for the loss of theft and obvious traces of theft.
2. The insurer shall not be liable for damages caused by the intentional act of the insured and its family members, service personnel, and settlers, or the collusion of others, or the sneak peeks or hooks on the window, which cannot prove the theft of foreigners.
3. This insurance covers and protects the items according to the property items listed in the insurance policy.
4. After the insured loses the insurance property within the scope of the insurance liability, the insured shall store the scene, report the case to the local public security department, and immediately notify the insurer. Otherwise, if the insurer cannot determine the insurance liability and the loss, the insurer Have the right not to compensate.
5. After the indemnity, the insurance property recovered by the case shall be owned by the insurer. If the insurer is willing to take back the recovered property, the compensation already received must be returned to the insurer. The insurer may compensate the damaged part of the recovered property according to the actual loss.
6. Other unfinished matters of this additional insurance shall be handled in accordance with the provisions of the Family Property Insurance.
Article 1 Any of the following family property belonging to the insured may be used as the subject of insurance if it is stored at the place indicated in this insurance policy, and the insured shall go through the insurance formalities with the insurer.
First, clothing supplies, bedding;
Second, furniture, appliances, interior decoration;
3. Household appliances, cultural and entertainment products;
4. Farm tools and tools for rural families;
5. The property insured by the insured and the insurer, and uploaded on the insurance policy, is the property listed in paragraphs 1 to 4 of this article.
The insured referred to in this Article is the urban and rural residents who participate in the insurance.
The insurer referred to in this Article is China Pacific Insurance Company.
Chapter II does not protect property
Article 2 The following property is not covered by the insurance property:
1. Housing and ancillary equipment;
Second, transportation;
Third, cultivating machines, agricultural machinery, etc.;
4. The property and goods to be sold by the individual industrial and commercial households and even the shop;
5. Gold and silver, jewellery, jade, jewellery, currency, ticket, securities, commemorative coins, medals, medals, stamps, antiques, ancient books, calligraphy and paintings, archives, books, technical materials, charts, livestock, pets, flowers, trees, Fish, insects, birds, bonsai and other property and crafts that cannot be valued;
6. Tobacco and alcohol, food, food, agricultural and sideline products, medicines and cosmetics;
7. Game cards, turntables, DVDs, audio tapes, floppy disks, watches, pens, glasses, wireless communication devices, lighters, handbags, etc.;
8. Article 1 of this insurance clause Other property not listed in the insurance property and property under emergency danger.
Chapter III Insurance Term
Article 3 The insurance period is divided into one year, three years, five years, and long-term insurance. The insurance is valid for one to eight years. From the time of processing the insurance application and paying the insurance premium at 0:00 the next day, it will be 24 hours after the specified expiration date.
Chapter IV Insurance Amount
Article 4 shall be determined by the insured in accordance with the actual value of the insured property and shall be separately listed in accordance with the insurance property items specified in the insurance policy.
Chapter V Insurance premiums
Article 5 This insurance is divided into two forms: non-repayment and repayment of insurance. The insured shall voluntarily choose, and the insured shall pay the insurance premium once in accordance with the charging standard when insured. Please refer to the attached table for the charging standard.
Chapter VI Insurance Liability
Article 6 The insurer shall only be responsible for the economic loss and liability of the insurance property for the following reasons:
First, fire, explosion;
Second, lightning strikes, hail, snowstorms, floods, earthquakes, subsidence, cliffs, tornadoes, ice, and earth and stone;
3. Falling objects in the air and the collapse of foreign buildings and other fixed objects;
4. Loss of insurance property caused by necessary measures taken to prevent the spread of the disaster in the event of the above-mentioned disaster, and reasonable expenses paid during the rescue process.
Chapter VII Exclusion of Liability
Article 7 The insurer shall not be liable for damages caused by the following reasons:
1. War, military action or violence;
2. Nuclear radiation and pollution;
3. The intentional act of the insured or members of their family members;
Fourth, television, electrical appliances, electrical equipment due to excessive use and overvoltage, hit the line, arc flower, power failure, self-heating and other reasons caused by its own damage;
5. Insured property piled up in the open air and under the shed, and the shacks of the outer walls, roofs and roof trusses with materials such as mats, straw, oil felt, straw, reeds and canvas, due to storms and heavy rains;
6. Insects, rat bites, enzymes, deterioration, and other losses that are not covered by the insurance coverage listed in Article 6 of this policy;
7. Loss of insurance accidents arising from illegal property in illegal buildings and dangerous buildings.
Chapter VIII surrender
Article 8 Insurance that is not in the form of insurance shall not be surrendered in the middle of the expiration of the term of the insurance.
Article 9 Where the insured chooses to pay the insurance form for one, three or five years, the following insurance benefits shall be enjoyed after the insurance is insured, and the following provisions shall be followed:
1. After the insurance period expires, the insurance liability is terminated, and the insurer returns the insurance principal paid by the insured to the insured.
2. After the insurance period expires, if the insurance is not surrendered, the insured shall complete the renewal procedure.
3. If the insured requires the refund of the insurance principal during the insurance period, the insurance premium for the insurance year shall be calculated according to the non-returning property insurance rate, and the insurance principal shall be refunded after one year of less than one year. Deducted in the middle.
Article 10 The insured shall enjoy the following insurance benefits after insuring the insurance in the form of long-term reinstatement insurance, and shall comply with the following provisions:
1. Long-term effect The insurance period is valid for eight years. The insurance liability is terminated when the insurance expires in eight years. The insurer refunds the insurance principal paid by the insured to the insured.
2. Long-term effect If the insurance principal has been returned for more than five years, it depends on whether the insurance is out of danger during the insurance year. If the insurance occurs during the insurance year, the indemnity shall be calculated according to the short-term charging standard. If the insurance premium is not taken out during the insurance year, no refund will be made and the insurance principal will be refunded to the policyholder.
3. If the insurance period is not satisfied for five years, the refund of the insurance principal shall be handled in accordance with the provisions of the third paragraph of Article 9 of these Terms.
Chapter IX Compensation Processing
Article 11 When the insurance property suffers losses within the scope of insurance liability, the insurer shall risk the local market replacement price on the day of the actual loss and loss, and calculate the indemnity according to the new and old degree, but the maximum shall not exceed the sub-item of the insurance policy. The amount of insurance listed is limited. If the insurance amount is not listed on the insurance policy, the itemized compensation limit shall be calculated according to the following proportion; clothing and bedding shall be calculated at 20%; furniture, utensils and interior decoration shall be calculated at 30%; household appliances, cultural and entertainment products shall be 50% calculation.
Article 12 The reasonable salvage expenses paid in accordance with the provisions of Paragraph 4 of Article 6 of these Articles shall be calculated separately from the amount of compensation for direct losses of insurance property, each of which shall not exceed the amount of insurance.
Article 13 The remaining part of the insurance property after the loss shall be discounted to the insured at a reasonable price and deducted from the indemnity.
Article 14 In the event of a disaster or accident within the scope of insurance liability of the insurance property, the insured shall endeavor to rescue and store the site, report to the local public security department or relevant department, and immediately notify the insurer to determine the loss and investigation in a timely manner. .
Article 15 When the insured applies for compensation from the insurer, it shall provide the insurance policy, the list of insurance property losses, the bill for the rescue expenses, and the certificates of the unit, street, township and relevant functional departments.
Article 16 Where the loss of insurance property within the scope of insurance liability shall be compensated by the third party, the insured shall claim compensation from the third party. If the insured asks the insurer for compensation, the insurer may first compensate according to the relevant provisions of this article, but the insured must transfer the right to recover from the third party to the insurer and assist the insurer to recover from the third party. .
Article 17 After the insurance property is lost within the scope of insurance liability, the insured shall truthfully provide the insurer with the loss situation. If there is fraudulent behavior such as false reporting loss, the insurer has the right to refuse compensation or recover the compensation already paid. Termination of the insurance contract.
Chapter X Obligations of the Insured
Article 18 During the insurance period, if the place where the insurance property is stored changes or the ownership of the insurance property changes, the insured shall apply to the insurer for the formalities for approval.
Article 19 The insured shall safeguard the safety of the insured property and do a good job in disaster prevention and loss prevention in accordance with the requirements of the relevant departments.
Article 20 If the insured does not issue or violate the obligations and regulations of these articles, the insurer has the right to refuse compensation.
Chapter 11 Other Matters
After the insurance property is partially compensated by the insurer, the effective insurance amount for the insurance year is the balance of the original insurance amount minus the compensation amount.
If the insurance of non-repayment form accumulates the indemnity/insurance amount during the insurance period, the insurance liability shall be terminated and the insurance premium from the termination date to the expiration date shall not be refunded.
When the accumulated indemnity reaches the insured amount in the same insurance year, the insurance liability for the insurance year is terminated, but the insurance policy and the remaining annual insurance amount are still valid in full.
The various situations described in this article shall be subject to the approval of the insurer.
Article 22 If the insured does not apply for a claim from the insurer within one year from the day he knows or should have known that the insured property has suffered losses, he does not provide the documents specified in Article 15 of this article, or from insurance. If the person does not receive the claim within one year from the date of the written notice, he or she shall voluntarily give up the interest.
Article 23 In the case of insurance in the form of insurance, the insurer has the right to adjust the rate or the amount of insurance according to the change of the bank's interest rate for the same period, and inform the insured.
Chapter 12 Insurance Arbitration
Article 24 If the dispute between the insured and the insurer cannot be resolved, it may be submitted to the arbitration institution for arbitration or the court.
Family property insurance additional theft insurance clause
This insurance is an additional insurance for property insurance. Only on the basis of the insured's insurance for family property insurance, with the consent of the insurer, the family property can be insured for theft insurance. The insurance amount is not more than the insurance for the family property insurance insured by the insured. The amount is limited.
It is hereby agreed between the insured and the insurer that the family covered by this policy will attach theft insurance in accordance with the following provisions.
1. Insured property stored in the insurance address room, the insurer is liable for compensation for the loss of theft and obvious traces of theft.
2. The insurer shall not be liable for damages caused by the intentional act of the insured and its family members, service personnel, and settlers, or the collusion of others, or the sneak peeks or hooks on the window, which cannot prove the theft of foreigners.
3. This insurance covers and protects the items according to the property items listed in the insurance policy.
4. After the insured loses the insurance property within the scope of the insurance liability, the insured shall store the scene, report the case to the local public security department, and immediately notify the insurer. Otherwise, if the insurer cannot determine the insurance liability and the loss, the insurer Have the right not to compensate.
5. After the indemnity, the insurance property recovered by the case shall be owned by the insurer. If the insurer is willing to take back the recovered property, the compensation already received must be returned to the insurer. The insurer may compensate the damaged part of the recovered property according to the actual loss.
6. Other unfinished matters of this additional insurance shall be handled in accordance with the provisions of the Family Property Insurance.
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