By the China Building Glass and Industrial Glass Association Auto Glass Professional Committee, "China Insurance News," hosted the "2010 China First Automobile Insurance Seminar" held in Beijing recently. Car insurance seminar, the first "car insurance how to participate in after-market automotive industry chain to run" as the theme for the industry, common development and achieve win-win situation to provide a discussion and
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The seminar was organized by the China Insurance Co., Ltd. President REHABILITATIVE TISSUE presided over the press invited to the domestic insurance industry leaders and experts, as well as domestic and foreign auto parts with industry experts and business executives to be exchange, through domestic and international experts to exchange the outcome of the discussion will my car insurance and automotive after-market-related business development, bring more inspiration and help. Dean of the Central University of Finance and Insurance Su Hao speech that car insurance is not only to participate in the automotive aftermarket industry chain operation, but also to contrast the depth of integration, the hub of the automotive after-market, this view has also been widely recognized by the guests.
Automobile insurance industry, can not be separated with the automotive service-related industries, which is the modern one of the main characteristics of auto insurance claims, in particular, derivatives services has become the primary means of competition. Done better in this regard was undoubtedly the United States. Such as the U.S. insurance companies and banks, telecommunications, hospitals, police stations, repair workshop, glass shop, rescue companies, first aid centers and other external agencies is widespread. Since the early 90s of last century, the United States specifically for the emergence of a salvage vehicle insurance company deal with the company. The existence of a large number of professional organizations not only improve the overall level of the insurance industry, but also promotes the improvement of quality insurance and insurance services costs.
Car insurance as a domestic property and casualty insurance market, China's largest insurance, property insurance business is the backbone of China's insurance. According to CIRC statistics, January to July this year, property insurance premium income of 233.7 billion yuan, according to China's auto insurance business property insurance business accounted for the proportion of 60-70% to count, size of vehicle insurance premiums has reached 140 billion to 160 billion yuan. However, the current insurance market in China with high fees, high costs, low utilization of state funds, the auto insurance business there have been industry-wide loss of a critical situation.
The high cost of vehicle maintenance is the high cost of auto insurance business is an important reason. According to sample survey, the total amount of vehicle maintenance, vehicle maintenance about 40% of accidents, of which about 70% of the vehicles from insurance companies pay, which means that each year the insurance company paid 30% of the vehicle maintenance costs. Effectively change the current mode of the auto insurance claims service, squeezing water claims, reduce claims costs of services, has changed the situation of China's major auto insurance operating loss of one of the topics.
Tuesday, November 16, 2010
Tuesday, November 9, 2010
Dangerous condition of the vehicle after the insurance, policyholders should be how to deal with incidents
Dangerous condition of the insured vehicle, the policy holders on how to report? 1. Chuxian, the policyholder should immediately take place to the traffic management department of the accident report, while the insurance company within 48 hours. In addition the insurance vehicle is theft, robbery or snatch, it should be within 24 hours (except for force majeure) report to the local public security department, while the insurance company within 48 hours, and the newspaper statement.
2. Report of ways: phone, or directly to the insurance company or agent point report. Remote danger, you can report to the local insurance company.
If insurance companies in the People in Beijing, Shijiazhuang danger, may apply to the People's Insurance Company of Shijiazhuang points or branch company report.
3. Report to be submitted content: insurance document number, the name of the insured, license plate number, the accident happened, where, why and loss situation.
Report, the policy holders to make claims to the insurance company? Insurance policy holders should submit a written "notice of dangerous condition" ("notice of dangerous condition" by the insurance company provided guidance by the relevant sales personnel only), request a claim, including compensation amount.
Report, the application of policy holders which claims to provide evidence generally Claims evidence required for the general: insurance, accident proved Confirmation responsible for the accident, accident mediation, judgments, losses and related expenses list of documents. Among them, the traffic management department of the responsibility of Confirmation is very important, according to the insurance company is generally based on the traffic control department to determine the compensation award.
2. Report of ways: phone, or directly to the insurance company or agent point report. Remote danger, you can report to the local insurance company.
If insurance companies in the People in Beijing, Shijiazhuang danger, may apply to the People's Insurance Company of Shijiazhuang points or branch company report.
3. Report to be submitted content: insurance document number, the name of the insured, license plate number, the accident happened, where, why and loss situation.
Report, the policy holders to make claims to the insurance company? Insurance policy holders should submit a written "notice of dangerous condition" ("notice of dangerous condition" by the insurance company provided guidance by the relevant sales personnel only), request a claim, including compensation amount.
Report, the application of policy holders which claims to provide evidence generally Claims evidence required for the general: insurance, accident proved Confirmation responsible for the accident, accident mediation, judgments, losses and related expenses list of documents. Among them, the traffic management department of the responsibility of Confirmation is very important, according to the insurance company is generally based on the traffic control department to determine the compensation award.
Some knowledge of car insurance - Double insurance
1, what is double insurance?
Can be more than compensated? In car insurance, the double insurance is the same for the same risk of a vehicle, respectively, two or more insurance companies car insurance. Insurance can only be a duplication of compensation. "Insurance Law" set out in Article IV: double insurance, each insurance company the total amount of compensation shall not exceed the insured value. So, do not insure the same car more than the same car insurance. Otherwise, part of the premium is white, and is not getting any compensation.
2, What is over-insured? It can be over-compensation?
Excess amount of insurance coverage is higher than the insured value. Insurance amount is higher than the actual value. For example, a value of 12 million ordinary Santana, according to the 20 million to determine the insurance amount, are over-insured. Over-compensation can not be over-insured. "Insurance Law" thirty-ninth article: insured amount shall not exceed the insured value; exceeds the insured value, the excess is invalid.
3, what is not full insurance? What are the consequences?
Full insurance is not the insurance contract the insurance amount is less than the insured value. For example, a value of 12 million ordinary Santana, according to the 8 million to determine the insurance amount, insurance is not full. Not the consequence of full insurance: insurance accident occurs, the insurance company and insurance according to the insurance value of the ratio of the amount of liability, which is the ratio of Peifu.
4 What is the ratio of Peifu?
Generally occur under what circumstances? Pei Fu refers to the proportion of the insurance company does not assume liability for full actual loss, but the loss is multiplied by the actual value of the insured amount and the proportion of the insurance liability. In vehicle damage insurance, the whole car Daoqiang Xian, spontaneous loss insurance, additional equipment loss risk, if the insured amount is less than the insured value, will result in the proportion of Peifu. Examples are as follows: a value of 12 million ordinary Santana, in accordance with the loss of 6 million vehicles insured risk, if the vehicle collision repair needs of 2 million (assuming full responsibility for their own cars, and has additional special non-deductible insurance), insurance companies only compensate 1 million, is calculated: the insurance claim amount = the amount of repairs × ÷ insured value. The same incident, according to the 12 million full insurance, the insurance company will get the full Peifu 2 million.
5, in the car insurance, what is a third party? In the insurance contract, the insurance company is the first party, also known as the first person; the insured or virulence are the second party, also known as the second person; addition to the insurance company and the insured in addition, because the insurance vehicle accident and suffered personal injury or property damage to the victim by a third party, also known as third party.
6, in the automobile insurance, select the insurance what are the limitations?
A, third party liability insurance must be insured, is the "Highway Law" of compulsory insurance. In the test car, car license and so on must verify insurance third party liability insurance. Other types of insurance are voluntary insurance insurance. B, the entire vehicle Daoqiang Xian, vehicle liability insurance of goods fall, alone and broken windshield glass, insurance, vehicle insurance suspended loss, spontaneous loss insurance, additional equipment loss risk is the additional risk of loss of vehicle insurance must be insured loss of vehicle insurance After several additional insurance to cover it. C, vehicle liability insurance (refer to the persons on board, the drivers passengers) is the additional risk of third party liability insurance, third party liability insurance must be insured before the insured vehicle liability insurance (refer to persons in the vehicle, which is the driver passengers .) D, special risk insurance is not deductible, you must first loss while the insured vehicle and third party liability insurance.
7, the insured and the insured must be consistent? If not have any effect?
In auto insurance, the insured is to pay premiums for insurance and the person; insured by the insurance contract is the owner of the car (ie, the owners set out on the driving license). If the owners for their own car insurance, the insured and the insured is the same; if all the other people who do not return their cars insured, the insured and the insured person is inconsistent. Both cases are insurance companies allowed.
Inconsistent with the insured and the insured person will have two effects:
On the one hand, the insured assumes the obligation to pay the premium, the obligation borne by the insured, that is, who the insured who pay insurance premiums.
On the other hand, partial loss of vehicles, claims to insurance companies by the insured; total loss of vehicles (such as vehicles robbery, motor vehicle, collisions, etc.), must be insured to the insurance company claims, the insured did this of rights. The insured and the insured under the same conditions, there is no distinction between these two aspects.
Can be more than compensated? In car insurance, the double insurance is the same for the same risk of a vehicle, respectively, two or more insurance companies car insurance. Insurance can only be a duplication of compensation. "Insurance Law" set out in Article IV: double insurance, each insurance company the total amount of compensation shall not exceed the insured value. So, do not insure the same car more than the same car insurance. Otherwise, part of the premium is white, and is not getting any compensation.
2, What is over-insured? It can be over-compensation?
Excess amount of insurance coverage is higher than the insured value. Insurance amount is higher than the actual value. For example, a value of 12 million ordinary Santana, according to the 20 million to determine the insurance amount, are over-insured. Over-compensation can not be over-insured. "Insurance Law" thirty-ninth article: insured amount shall not exceed the insured value; exceeds the insured value, the excess is invalid.
3, what is not full insurance? What are the consequences?
Full insurance is not the insurance contract the insurance amount is less than the insured value. For example, a value of 12 million ordinary Santana, according to the 8 million to determine the insurance amount, insurance is not full. Not the consequence of full insurance: insurance accident occurs, the insurance company and insurance according to the insurance value of the ratio of the amount of liability, which is the ratio of Peifu.
4 What is the ratio of Peifu?
Generally occur under what circumstances? Pei Fu refers to the proportion of the insurance company does not assume liability for full actual loss, but the loss is multiplied by the actual value of the insured amount and the proportion of the insurance liability. In vehicle damage insurance, the whole car Daoqiang Xian, spontaneous loss insurance, additional equipment loss risk, if the insured amount is less than the insured value, will result in the proportion of Peifu. Examples are as follows: a value of 12 million ordinary Santana, in accordance with the loss of 6 million vehicles insured risk, if the vehicle collision repair needs of 2 million (assuming full responsibility for their own cars, and has additional special non-deductible insurance), insurance companies only compensate 1 million, is calculated: the insurance claim amount = the amount of repairs × ÷ insured value. The same incident, according to the 12 million full insurance, the insurance company will get the full Peifu 2 million.
5, in the car insurance, what is a third party? In the insurance contract, the insurance company is the first party, also known as the first person; the insured or virulence are the second party, also known as the second person; addition to the insurance company and the insured in addition, because the insurance vehicle accident and suffered personal injury or property damage to the victim by a third party, also known as third party.
6, in the automobile insurance, select the insurance what are the limitations?
A, third party liability insurance must be insured, is the "Highway Law" of compulsory insurance. In the test car, car license and so on must verify insurance third party liability insurance. Other types of insurance are voluntary insurance insurance. B, the entire vehicle Daoqiang Xian, vehicle liability insurance of goods fall, alone and broken windshield glass, insurance, vehicle insurance suspended loss, spontaneous loss insurance, additional equipment loss risk is the additional risk of loss of vehicle insurance must be insured loss of vehicle insurance After several additional insurance to cover it. C, vehicle liability insurance (refer to the persons on board, the drivers passengers) is the additional risk of third party liability insurance, third party liability insurance must be insured before the insured vehicle liability insurance (refer to persons in the vehicle, which is the driver passengers .) D, special risk insurance is not deductible, you must first loss while the insured vehicle and third party liability insurance.
7, the insured and the insured must be consistent? If not have any effect?
In auto insurance, the insured is to pay premiums for insurance and the person; insured by the insurance contract is the owner of the car (ie, the owners set out on the driving license). If the owners for their own car insurance, the insured and the insured is the same; if all the other people who do not return their cars insured, the insured and the insured person is inconsistent. Both cases are insurance companies allowed.
Inconsistent with the insured and the insured person will have two effects:
On the one hand, the insured assumes the obligation to pay the premium, the obligation borne by the insured, that is, who the insured who pay insurance premiums.
On the other hand, partial loss of vehicles, claims to insurance companies by the insured; total loss of vehicles (such as vehicles robbery, motor vehicle, collisions, etc.), must be insured to the insurance company claims, the insured did this of rights. The insured and the insured under the same conditions, there is no distinction between these two aspects.
Car insurance risk transfer
(1) risk transfer insurance risk is transferred out of his own, and institutions to accept the risk that insurance companies. Insurance companies accept the transfer of risk is an insurable risk because there is a pattern. Insurance companies focus on a number of risks, the law of large numbers of probability theory and other mathematical methods to predict the risk probability, the probability of insured losses. By studying the risk of chance to find its inevitability, to master the risk occurrence and development of the law of the accident was inevitable, of uncertainty for the fixed, risk concerns for many people who have provided insurance.
(2) loss of transfer of risk is not shared equally true disasters left the insured, but the insurer with all the financial resources to compensate for the economic calamity damage to the insured losses, for solve problems. Natural disasters, accidents are generally caused huge economic losses, the affected individuals is unable to cope with and afford. The insured to collect the insurance costs and to pay reparations in the form of huge losses to a few people scattered to numerous insured, so that individuals bear the loss, to the majority of people can afford the loss, which is actually the losses shared equally to have the same risk of the insured. Included in the cost of insurance, insurance expenses will be compensated from the commodity price, it is in fact shared equally between the loss of all consumers. This method of loss shared equally averaging just lost, but did not reduce losses. Because, from the whole society perspective, the "average of the loss is still loss", so the loss of function of the insurance is only shared equally, and no reduction in loss of function.
For example: Suppose there are 1000 cost 100,000 yuan / Mei Dong's house, an annual average of 2 fire damage, assuming that all the damage, the annual economic loss of 200,000 yuan. If the loss of 200,000 yuan from the 1000 assessment of housing owner, 200000/1000 = 200, ie Mei Dong owner financed housing 200 100,000 yuan can be obtained free of financial security.
(3) implementation of compensation assessed is the implementation of compensation for loss of the premise and means to implement the purpose of compensation is assessed loss. Insurance compensation is an accident occur in the insurance, the insured after a loss. Yea damage is not insured, the insurer without compensation, insurance and compensation to the implementation of the contract signed by the parties based on the scope of the compensation are the following:
First, because of disasters suffered by the insured property losses;
Second, the insured due to disasters and the casualties suffered by the body itself or insurance expiration of the insurance money should be settled;
Third, the insured due to disasters, according to financial compensation payable to others;
Fourth, the insured because the other party fails to perform the economic loss suffered by the contract;
Fifth, the disaster after the accident, the insured subject matter insured due to the rescue for all costs incurred.
(4) mortgage loans and investment income insurance law clearly states: "Terms of the cash value is not lost", the customer signed a contract with the insurance company though, but customers have the right to terminate the contract and get surrender amount. Insurance contract also provides for the cash-strapped customers to apply for surrender 90% of the loan payment. If you need money, they could not come a moment, it can be in the insurance company mortgage insurance, the corresponding amount from the insurance company to obtain loans.
Meanwhile, some life insurance product not only has the insurance function, but also has some investment value, that is, if the insured event occurred during the insurance period, insurance companies will follow the agreed payment of the insurance; if the insured event did not occur during the insurance period, then get paid on time, you get the insurance money will not only exceed the premiums paid by your past, but also benefits other than the principal.
(2) loss of transfer of risk is not shared equally true disasters left the insured, but the insurer with all the financial resources to compensate for the economic calamity damage to the insured losses, for solve problems. Natural disasters, accidents are generally caused huge economic losses, the affected individuals is unable to cope with and afford. The insured to collect the insurance costs and to pay reparations in the form of huge losses to a few people scattered to numerous insured, so that individuals bear the loss, to the majority of people can afford the loss, which is actually the losses shared equally to have the same risk of the insured. Included in the cost of insurance, insurance expenses will be compensated from the commodity price, it is in fact shared equally between the loss of all consumers. This method of loss shared equally averaging just lost, but did not reduce losses. Because, from the whole society perspective, the "average of the loss is still loss", so the loss of function of the insurance is only shared equally, and no reduction in loss of function.
For example: Suppose there are 1000 cost 100,000 yuan / Mei Dong's house, an annual average of 2 fire damage, assuming that all the damage, the annual economic loss of 200,000 yuan. If the loss of 200,000 yuan from the 1000 assessment of housing owner, 200000/1000 = 200, ie Mei Dong owner financed housing 200 100,000 yuan can be obtained free of financial security.
(3) implementation of compensation assessed is the implementation of compensation for loss of the premise and means to implement the purpose of compensation is assessed loss. Insurance compensation is an accident occur in the insurance, the insured after a loss. Yea damage is not insured, the insurer without compensation, insurance and compensation to the implementation of the contract signed by the parties based on the scope of the compensation are the following:
First, because of disasters suffered by the insured property losses;
Second, the insured due to disasters and the casualties suffered by the body itself or insurance expiration of the insurance money should be settled;
Third, the insured due to disasters, according to financial compensation payable to others;
Fourth, the insured because the other party fails to perform the economic loss suffered by the contract;
Fifth, the disaster after the accident, the insured subject matter insured due to the rescue for all costs incurred.
(4) mortgage loans and investment income insurance law clearly states: "Terms of the cash value is not lost", the customer signed a contract with the insurance company though, but customers have the right to terminate the contract and get surrender amount. Insurance contract also provides for the cash-strapped customers to apply for surrender 90% of the loan payment. If you need money, they could not come a moment, it can be in the insurance company mortgage insurance, the corresponding amount from the insurance company to obtain loans.
Meanwhile, some life insurance product not only has the insurance function, but also has some investment value, that is, if the insured event occurred during the insurance period, insurance companies will follow the agreed payment of the insurance; if the insured event did not occur during the insurance period, then get paid on time, you get the insurance money will not only exceed the premiums paid by your past, but also benefits other than the principal.
Car insurance and savings
Function of life insurance savings
Should be said that life insurance is not only saving feature, as well as the investment function. A balanced system of life insurance premiums, net premiums deposited in the reserve for most of it is the insurer's liabilities. In order to achieve the commitments of the insured to ensure the solvency of insurance companies must use a reliable reserve asset value in order to obtain sufficient return on investment. Therefore, life insurance, in addition to access to protection, but also is an investment and savings, the insured can receive investment income from insurance companies ─ ─ ─ ─ income dividends and savings interest. And everyone can enjoy the insurance policy, such as mortgage, surrender, select the right mode of premium payment.
With the improvement of China's financial markets, raising the level of people's income to buy life insurance, stocks, bonds, treasury bills, real estate, also become the choice of increasing the value of the currency. Life insurance premiums generally have three components: accident insurance, sickness insurance and value-added insurance of death. The main function of the first two premiums is to protect the insured due to accident, disease, accident or death caused by high residual losses, can be seen as a consumer; value-added part of the premium is the role of the main added value in accordance with the policy interest rate intended to meet the income person's pension, further education and other needs, with the investment function. China's insurance market life insurance insurance, complete functions, the majority of comprehensive insurance, from the risk, security, reliability and profitability perspective, with the investment function. And to participate in private insurance will also enjoy some preferential policies, such as tax holidays, etc., compared with other investment instruments, it is quite excellent.
We use a simple formula to calculate the insurance value of investments:
Insurance = 1 yuan (years) escape from danger you might lose 1,000 yuan + (years) 1 per principal + interest (income). Of course, you better not crash, you receive at least 1 per Insurance = (years) 1 per principal + interest (income). Starting from the fall to earth, can participate in pension insurance. If the parents of children 1 year of age for a one-time purchase of 150 old-age insurance, and children over 55 years of age, can receive 100 yuan per month until death, death, can have a lump sum of 2,000 yuan. If children live to 75 years old can receive a total of 26,000 yuan, the more live longer lead. Not yet reached pension age had died, as long as the insured up to six months time, can receive 2,000 yuan, was killed by accident, you can receive at any time of 2,000 yuan. No matter how calculated, which are value for money 150. The most typical means of investment bank savings formula ─ ─ What is it? 1 yuan savings = (years) 1 per principal + interest (interest rates will change with inflation adjustments).
Formula for investing in stocks is: 1 yuan = 1 per share earnings uncertainty principal +; or 1 per share = 0.1 per principal. It can be seen, the insurance is a kind of protection, and both investment income.
Savings effect of family property
Two types of household property insurance - property insurance and the average family household property endowment insurance. Family property which has a disaster compensation endowment insurance and savings dual nature. In other words, the insured's premium to the insurance company is the form of savings, and insurance, the insured to pay a fixed insurance savings, interest savings transferred to the premium, the insurance expires, regardless of the period of insurance has occurred, the insurance savings shall be returned to policyholders. But because the current bank interest rates low, some insurance companies have stopped selling the insurance.
Should be said that life insurance is not only saving feature, as well as the investment function. A balanced system of life insurance premiums, net premiums deposited in the reserve for most of it is the insurer's liabilities. In order to achieve the commitments of the insured to ensure the solvency of insurance companies must use a reliable reserve asset value in order to obtain sufficient return on investment. Therefore, life insurance, in addition to access to protection, but also is an investment and savings, the insured can receive investment income from insurance companies ─ ─ ─ ─ income dividends and savings interest. And everyone can enjoy the insurance policy, such as mortgage, surrender, select the right mode of premium payment.
With the improvement of China's financial markets, raising the level of people's income to buy life insurance, stocks, bonds, treasury bills, real estate, also become the choice of increasing the value of the currency. Life insurance premiums generally have three components: accident insurance, sickness insurance and value-added insurance of death. The main function of the first two premiums is to protect the insured due to accident, disease, accident or death caused by high residual losses, can be seen as a consumer; value-added part of the premium is the role of the main added value in accordance with the policy interest rate intended to meet the income person's pension, further education and other needs, with the investment function. China's insurance market life insurance insurance, complete functions, the majority of comprehensive insurance, from the risk, security, reliability and profitability perspective, with the investment function. And to participate in private insurance will also enjoy some preferential policies, such as tax holidays, etc., compared with other investment instruments, it is quite excellent.
We use a simple formula to calculate the insurance value of investments:
Insurance = 1 yuan (years) escape from danger you might lose 1,000 yuan + (years) 1 per principal + interest (income). Of course, you better not crash, you receive at least 1 per Insurance = (years) 1 per principal + interest (income). Starting from the fall to earth, can participate in pension insurance. If the parents of children 1 year of age for a one-time purchase of 150 old-age insurance, and children over 55 years of age, can receive 100 yuan per month until death, death, can have a lump sum of 2,000 yuan. If children live to 75 years old can receive a total of 26,000 yuan, the more live longer lead. Not yet reached pension age had died, as long as the insured up to six months time, can receive 2,000 yuan, was killed by accident, you can receive at any time of 2,000 yuan. No matter how calculated, which are value for money 150. The most typical means of investment bank savings formula ─ ─ What is it? 1 yuan savings = (years) 1 per principal + interest (interest rates will change with inflation adjustments).
Formula for investing in stocks is: 1 yuan = 1 per share earnings uncertainty principal +; or 1 per share = 0.1 per principal. It can be seen, the insurance is a kind of protection, and both investment income.
Savings effect of family property
Two types of household property insurance - property insurance and the average family household property endowment insurance. Family property which has a disaster compensation endowment insurance and savings dual nature. In other words, the insured's premium to the insurance company is the form of savings, and insurance, the insured to pay a fixed insurance savings, interest savings transferred to the premium, the insurance expires, regardless of the period of insurance has occurred, the insurance savings shall be returned to policyholders. But because the current bank interest rates low, some insurance companies have stopped selling the insurance.
Car insurance documents, which has several forms?
Mainly in the automobile insurance in the following documents:
Application form: the insured a written application for a certificate of insurance coverage. Application form is usually provided by insurance companies, completed and signed by the insured or seal into effect. According to the insurance company insured the contents of the completed application form issued by the original insurance policy.
Insurance: also known as the original insurance policy. The insurance company and the insured to the insurance contract as proof. Insurance policies issued by insurance companies, major insurance companies and the insured stated between the rights and obligations. It is insured to the insurance company to claim the certificate.
Insurance card: issued by insurance companies to policy holders, and record the original insurance policy in the main content for the policyholders carry a simple card certificate.
Endorsement: Yes to change the content of insurance contracts, the insurance company issued to the insured's supplementary written evidence.
Premium Invoice: is the premium paid certificate. Producer for the Inland Revenue Department official invoice.
Application form: the insured a written application for a certificate of insurance coverage. Application form is usually provided by insurance companies, completed and signed by the insured or seal into effect. According to the insurance company insured the contents of the completed application form issued by the original insurance policy.
Insurance: also known as the original insurance policy. The insurance company and the insured to the insurance contract as proof. Insurance policies issued by insurance companies, major insurance companies and the insured stated between the rights and obligations. It is insured to the insurance company to claim the certificate.
Insurance card: issued by insurance companies to policy holders, and record the original insurance policy in the main content for the policyholders carry a simple card certificate.
Endorsement: Yes to change the content of insurance contracts, the insurance company issued to the insured's supplementary written evidence.
Premium Invoice: is the premium paid certificate. Producer for the Inland Revenue Department official invoice.
Insured motor vehicle insurance to fill out the application form
For motor vehicle insurance policyholders should carefully fill in the application form. Is insured to the insurance application form to apply for insurance based on the text, but also the insurer issued an important basis for policy, is also an integral part of the insurance contract. Therefore, the content on the proposal form to fill out clearly and, if altered, shall be stamped correction.
Proposal form completed by the insured has the following columns:
1, the insured name: insured units or the insured person's name. Units of public fill in the full name of the vehicle, transport vehicles, private or individual contractors fill out a personal name.
2, brand model: vehicle brands and models of vehicles. Such as Beijing BJ212.
3, the license number: Public transport license number issued by the administration. Such as Beijing, A 12345.
4, engine number: engine production plant in the engine block number on the print factory.
5, the frame number: vehicle factory car number.
6, tonnage or seats: Approved by the traffic administration department of the cargo tonnage, passenger seats (including driver seat). Note: (2-6) of the motor vehicle certificate in accordance with relevant content only.
7, the use of nature: business transportation or non-business respectively determined by transport. The nature of both types of vehicles insured, according to the nature of business transport only. For example, an insured vehicle with both "non-business transportation" and "transportation business" two properties, you should fill in "business transportation."
8, address, telephone, contact person, bank, bank account: the specific circumstances of the insured according to their fill, fill in the address, attention should be marked with zip code.
9, in particular, agreed: the insured and the insurer outstanding issues relating to the insurance contract, agreement, for example, third party liability insurance on the first casualties of the maximum amount of compensation can include it here.
10, the insured signature: the insured, after filling out the above to be in the "Signature of Proposer" at the signature, and fill out the application date.
11, determined on the amount of insurance; insurance coverage options. The actual situation according to their operational staff with the insurance company determined the specific discussion.
Proposal form completed by the insured has the following columns:
1, the insured name: insured units or the insured person's name. Units of public fill in the full name of the vehicle, transport vehicles, private or individual contractors fill out a personal name.
2, brand model: vehicle brands and models of vehicles. Such as Beijing BJ212.
3, the license number: Public transport license number issued by the administration. Such as Beijing, A 12345.
4, engine number: engine production plant in the engine block number on the print factory.
5, the frame number: vehicle factory car number.
6, tonnage or seats: Approved by the traffic administration department of the cargo tonnage, passenger seats (including driver seat). Note: (2-6) of the motor vehicle certificate in accordance with relevant content only.
7, the use of nature: business transportation or non-business respectively determined by transport. The nature of both types of vehicles insured, according to the nature of business transport only. For example, an insured vehicle with both "non-business transportation" and "transportation business" two properties, you should fill in "business transportation."
8, address, telephone, contact person, bank, bank account: the specific circumstances of the insured according to their fill, fill in the address, attention should be marked with zip code.
9, in particular, agreed: the insured and the insurer outstanding issues relating to the insurance contract, agreement, for example, third party liability insurance on the first casualties of the maximum amount of compensation can include it here.
10, the insured signature: the insured, after filling out the above to be in the "Signature of Proposer" at the signature, and fill out the application date.
11, determined on the amount of insurance; insurance coverage options. The actual situation according to their operational staff with the insurance company determined the specific discussion.
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