? With the rising socio-economic level, we use contracts in many places. You can't impose your will when signing a contract. What are the common contract templates? Here, you may want to read the insurance contract template 2 articles, hope it can help you, please collect.
Insurance contract template 2 article 1? General provisions
? Article 1 This insurance contract consists of insurance clauses, application form, insurance policy, approval form and special agreement. All agreements relating to this insurance contract shall be in writing.
? Article 2 The motor vehicles in this insurance contract refer to automobiles, trams, battery cars, motorcycles, tractors, all kinds of special-purpose machinery vehicles and special vehicles running in the territory of the People's Republic of China (excluding Hong Kong, Macao and Taiwan), unless otherwise agreed.
? Article 3 This insurance contract is an indefinite value insurance contract. The insurer assumes the insurance responsibility according to the underwriting category, and the additional insurance cannot be underwritten separately. Indefinite value insurance contract means that the parties in the conclusion of the insurance contract does not pre-determine the insurance value of the subject matter of the insurance, but in accordance with the actual value of the subject matter of the insurance when the insurance accident occurs to determine the value of the insurance contract.
? Insurance Liability
? Article 4 The insurer shall be liable to compensate for any loss of the insured vehicle caused by any of the following reasons when the insured person or his/her permitted driver is using the insured vehicle:
? (a) collision, overturning, falling;
? (ii) fire, explosion;
? (iii) Falling or collapsing of external objects;
? (D) Storm, tornado;
? (v) Lightning strikes, hailstorms, torrential rains, floods, tsunamis;
? (vi) ground subsidence, ice subsidence, landslide, avalanche, mudslide, landslide;
? (vii) natural disaster to the ferry carrying the insured vehicle (limited to those with a driver on board).
? Article 5 In the event of an insured accident, the necessary and reasonable rescue expenses paid by the insured to prevent or minimize the loss of the insured vehicle shall be borne by the insurer up to the amount of the insured amount.
? Exemption of Liability
? Article 6 The insurer shall not be liable to pay compensation for the loss of the insured vehicle under the following circumstances, regardless of the cause:
? (a) earthquake, war, military conflict, terrorist activities, * chaos, seizure, confiscation, government requisition;
? (ii) Competition, testing, during repair and maintenance in business maintenance places;
? (C) Use of insured vehicles to engage in illegal activities;
? (d) The driver uses the insured vehicle after drinking, taking or injecting drugs, or being anesthetized by drugs;
? (e) Hit-and-run of the insured vehicle;
? (F) the driver has one of the following circumstances:
?1. no driver's license or driving a vehicle does not match the type of license;
?2. public security and traffic management department of the other belongs to the driving without a valid driver's license;
?3. the use of all kinds of special machinery vehicles, special vehicles without a valid operator's license issued by the state departments concerned; drive a business bus driver without a valid operator's license;
? Business bus driver without a valid certificate of qualification issued by the relevant state departments.
? (vii) the use of insured vehicles by drivers who are not authorized by the insured;
? (viii) The insured vehicle does not have valid traveling documents.
? Article 7 The insurer shall not be responsible for compensation for the following losses and expenses of the insured vehicle:
? (a) natural wear and tear, decay, breakdown, tire damage alone;
? (ii) glass alone broken, no obvious signs of collision body scratches;
? (iii) Losses caused by direct artificial oil supply and high temperature baking;
? (D) spontaneous combustion as well as unknown causes of fire damage; spontaneous combustion refers to the car electrical, wiring, fuel supply system failure or the goods contained in their own reasons for fire and combustion.
? (E) suffered insurance liability for the loss of the scope of the loss, without the necessary repairs to continue to use, resulting in the expansion of the loss of the part;
? (F) due to pollution (including radioactive pollution) caused by the loss;
? (vii) depreciation due to changes in market prices, the repair of the value of the loss caused by the reduction;
? (viii) Loss of uninsured additional equipment beyond the standard configuration of the vehicle;
? (ix) Damage to the engine caused by starting the vehicle in water that has flooded the exhaust or intake pipe, or starting the vehicle without the necessary treatment after being flooded;
? (x) Damage caused by fall, collapse, impact, leakage of goods carried by the insured vehicle;
? (xi) Losses caused by overturning of the motorcycle while it is parked;
? (xii) Theft, robbery, snatching and damage caused by theft, robbery, snatching or loss of parts and appurtenances of the motorcycle;
? (xiii) Losses caused by the willful act of the insured or driver.
? Article 8 Other losses and expenses not covered by the insurance liability.
? Amount of insurance
? Article 9 The insurance amount shall be determined by the policyholder and the insurer from the following three ways, and the insurer shall bear the corresponding liability according to the different ways of determining the insurance amount:
? (i) Determined according to the new car purchase price of the insured vehicle at the time of taking out the insurance. The purchase price of a new car in this insurance contract refers to the price of a new car of the same type as the insured vehicle (including vehicle purchase tax) at the place where the insurance contract is signed.
? (ii) Determined by the actual value of the insured vehicle at the time of insurance. The actual value of this insurance contract refers to the purchase price of a new vehicle of the same type minus the depreciation amount of the price depreciation is calculated on an annual basis, less than one year, no depreciation. The maximum amount of depreciation does not exceed 80% of the new purchase price of the insured vehicle at the time of insurance.
? (C) negotiated within the new car purchase price of the insured vehicle at the time of insurance.
? (D) the insured vehicle standard configuration other than the new equipment, should be set out in the insurance contract, the name of the equipment and price list, and according to the actual value of the equipment to increase the amount of insurance. The new equipment will be depreciated along with the insured vehicle.
? Term of insurance
? Article 10 Unless otherwise agreed, the insurance period is one year, subject to the starting and ending time stated in the insurance policy.
? Obligations of the insurer
? Article 11 When underwriting the insurance, the insurer shall explain to the policyholder the insurance liability, exemption of liability, insurance period, premium and payment method, obligations of the policyholder and the insured.
? Article 12 The insurer shall accept the accident report of the insured in time and conduct investigation as soon as possible. If the insurer fails to conduct a survey within 48 hours after receiving the report and fails to give an opinion on the acceptance, resulting in property loss that cannot be determined, the insured shall take the photos of property damage, list of losses, proof of accident and repair invoice provided by the insured as the basis for payment of claims.
Insurance contract template 2 article two? In order to protect the healthy growth of children and teenagers, to assist parents to raise funds for their children's education and marriage, and in the event of accidents suffered by their children, they will be able to receive a certain amount of financial compensation, this insurance is organized.
? The first chapter of the insurance conditions
? Article 1 where twenty-one to fifty years of age of the parents (policyholder), can be for their one to fifteen years of age, healthy children (insured) to the insurance company (insurer) to take out children's insurance. However, the provisions of Article 7 of this Clause shall not apply to the insured who is not healthy enough to work and labor normally at the time of taking out the insurance.
? The policyholder shall promptly notify the insurer of any change in the policyholder, and the insurer shall approve the change before going through the formalities, otherwise, the insurer shall not be liable for the insurance.
? Chapter II insurance period and insurance liability
? The second insurance period from the time of the insured to the end of the twenty-second year of age, respectively, for seven to twenty-one years.
? The insurer shall have the following insurance responsibilities for the insured:
?1. If the insured person is disabled due to accidental injury during the insurance period, the insurer shall pay all or part of the insurance benefits according to the amount of the accidental injury insurance (see the First Schedule), but the annual amount of benefits shall not be more than the amount of the accidental injury insurance.
?2. If the insured person dies as a result of an accidental injury during the period of validity of the insurance, the insurer will pay all the benefits according to the amount of accidental injury insurance, and at the same time, the insurer will also pay the death benefit (see Schedule II), and the insurance liability will be terminated immediately.
?3. If the insured person dies due to sickness during the period of insurance, the insurer will pay the death benefit and the insurance liability will be terminated.
?4. If the insured person is enrolled as an undergraduate or college student in a full-time institution of higher education during the period of insurance, the insurer will pay the agreed education benefit on the basis of the enrollment certificate every year, and the period of payment will be limited to when the insured person reaches the age of twenty-two years.
?5. The insured person survives until the end of the insurance period, the insurer pays the marriage insurance benefit (see Schedule III), and the insurance liability is terminated.
? Chapter III exclusions
? Article 4 The insurer is not liable to pay insurance benefits for the following circumstances.
?1. The policyholder has concealed, cheated or defaulted on the conditions of the policy.
?2. The death or disability of the insured due to the intentional acts or criminal acts of the policyholder or the insured.
?3. Death or disablement caused by the insured person's fighting, brawling, alcoholism or suicide.
?4. Death or disablement caused by war or hostilities.
?5. Death or disablement of the insured person occurring outside the People's Republic of China.
?6. Medical expenses incurred for any reason whatsoever.
?7. Other things that are not covered by the insurance.
? Chapter IV premiums and insurance amount
? Article 5 insurance premiums are divided into four grades of five, ten, fifteen and twenty dollars per month, which are selected by the policyholder at the time of application, and the premiums are paid on a monthly basis, and the payment period is the same as the insurance period.
? Article 6 monthly premiums of five, ten, fifteen and twenty dollars, the annual accidental injury insurance amount of one thousand, two thousand, three thousand, four thousand yuan, respectively, the annual education fund of one hundred, two hundred, three hundred, four hundred yuan, respectively, the age of the insured person to participate in this insurance is more than ten years old (including ten years old), the education fund is reduced by half.
? Article 7 During the insurance period, if both the insured couple died due to accidental injury or died due to illness after the second anniversary from the effective date of the insurance, the insured or his/her guardian can apply to the insurer with the insurance certificate and necessary documents, and after the insurer's investigation and verification, they can be exempted from full payment of the premiums from the next month onwards, and half of the premiums can be exempted if one of the insured couple suffers from the above accident.
? Chapter V Effective Lapse Reinstatement Surrender
? Article 8 The insurance policy starts from the first day of the month in which the policy is initiated, but the policy will not be effective until the first installment of premium is paid by the policyholder.
? If the policyholder fails to pay the premiums as required and fails to complete the formalities for replacement within one month after the due date, the insurance policy will automatically lapse and the insurer will not be liable to pay the premiums, but can refund the survival surrender benefit (see Schedule IV).
? Article 10 in the policy lapsed within two years, the policyholder can apply for reinstatement, after the insurer's approval and the policyholder to pay the premiums and interest during the period of lapsed, the policy will be reinstated.
? Article 11 apply for surrender, the insurance policy must be two years and pay full premiums in accordance with the provisions of the insurance policy, the insurer meets the conditions of the application for surrender, the insurer in accordance with the provisions of the refund to the survival of the surrender fund.
? Chapter VI application and payment of insurance benefits
? Article 12 of the insured person in the effective period of insurance in the event of death or disability within the scope of insurance liability, the policyholder shall hold the insurance policy to the insurer in a timely manner to submit an application for the payment of insurance benefits, and to provide the following certificates: