The insurance policy with the special agreement is legal first payee

China's insurance business almost from the beginning of the world, the insurer and the policyholder signed the property insurance contract in addition to the form of insurance clauses have special provisions, the special provisions are often in the insurance policy issued by the insurer to the policyholder to reflect. Now the insurance practice in the special provisions often become the focus of the insurer and the policyholder endless disputes. I now only on the property insurance contract of the special provisions of the agreement to talk about their own rough views.

I, property insurance contract special agreement clause example analysis.

An insurance company in May 26, 2008 to the Baiyun District, the Golden Horse between the issuance of "property insurance comprehensive insurance policy", the policy states that the insurance company to the flower store in the inventory of goods, fixed assets, machinery and equipment in the insurance liability for the occurrence of insurance accidents, the insurance period of one year, the insurance policy, in particular, agreed that: 1, the absolute amount of the deductible for each accident for the whole of the RMB 5,000 yuan or a loss of The amount of 10% of the loss, whichever is higher; 2, liquid assets must be stored in more than ten centimeters of the floor board, or water damage occurs when ten centimeters of liquid assets will not be liable for liability ...... insurance period between the Golden Horse Flower Shop suffered heavy rainfall caused extensive damage to the inventory of goods. In this case, the insurance company claimed to be exempted from liability according to the special agreement clause. This case if the strict application of the special terms of the agreement, the special terms of the agreement 1 lead to the policyholder of natural disasters without any fault also have to bear at least five thousand dollars of losses, another can lead to the occurrence of insurance accidents, such as economic losses in the five thousand dollars (including five thousand dollars) below the insurance company exempted from liability, the loss of less than five thousand dollars of the loss of the insurance accident policyholder to fulfill the claims, loss and so on the procedure is futile; between the flower store in addition to In addition to the two inter-flowering machines stored in the shop are all inventory goods, the inventory goods obviously belong to the special terms of the current assets, special terms of the agreement 2 will lead to the entire store floor needs to be raised ten centimeters, buy insurance at the same time the floor should be raised ten centimeters, may I ask if the entire floor is raised ten centimeters, the insurance accident occurs when the standard of reference for what? The case of the special terms of the agreement to the insured exceptionally difficult, regardless of whether the terms of the insurance company has been clearly stated in the insurance.