1. Enterprise property insurance
(1) Insured objects Enterprises owned by the whole people, collectively owned enterprises, state organs, institutions and people's organizations can take out enterprise property insurance with the Company.
(2) Insurance property scope
(1) Property owned by the insured or * * owned by others and in charge of by the insured; Property managed by the insured or kept for others; Other legally recognized properties that have economic interests with the insured.
(2) The following properties can also be insured by special agreement and stated in the insurance policy: gold and silver, jewelry, jade, jewelry, antiques, ancient books, ancient paintings, stamps, artworks, rare metals and other valuable properties; Livestock, poultry and other feeding animals; Equipment and materials in dams, sluices, railways, culverts, bridges, docks, mines and pits.
(3) Insurance liability insurance companies shall be liable for the losses caused by the following reasons:
(1) Fire and explosion;
② Lightning strike, storm, tornado, rainstorm, flood, destructive earthquake, sudden ground collapse, cliff collapse, sudden landslide, snowstorm, hail, ice and debris flow;
(3) falling objects in the air;
(4) The insured's own power supply, water supply and gas supply equipment is damaged due to the above disasters or accidents, resulting in power failure, water cut-off and gas cut-off, which directly causes the loss of the insured property;
(5) When the above-mentioned disasters or accidents occur, reasonable and necessary measures are taken to save property losses or prevent the spread of disasters, resulting in loss of insured property;
⑥ In the event of an insured accident, the Company shall be responsible for the reasonable expenses incurred by the insured in taking measures to rescue, protect and arrange the insured property in order to support the loss of the insured property.
(4) Insurance amount Fixed assets can be insured according to the original book value, or by the insured coordination company according to the original book value plus, or according to the overlapping reconstruction value; Current assets can be insured according to the average book balance of the last twelve months, or according to the latest book balance; Property that has been amortized or not included in the book can be insured at the actual value through consultation between the insured and the company.
(5) The insurance premium is guaranteed for one year, and the insurance rates are divided into three categories: industrial insurance, warehousing insurance and general insurance.
(6) Insurance period The insurance period is one year, and the renewal procedures shall be handled separately after the expiration. The insurance liability starts from 0: 00 on the agreed insurance date and ends at 24: 00 on the insurance expiration date.
(7) Insurance Procedures For enterprise property insurance, the insurance company may be required to fill out an insurance application form. After the insurance company agrees to issue the insurance policy, the insured shall pay the insurance premium payable in one lump sum within 15 days from the date of signing the insurance contract in accordance with the provisions of the insurance rate regulations.
(8) Insurance Treatment When the insured property suffers from a disaster or accident within the scope of insurance liability, the insured shall try his best to rescue it to prevent the loss from expanding and immediately notify the insurance company. When applying for compensation from an insurance company, the insured shall submit a list of insurance property losses and a list of ambulance expenses, as well as necessary account books, documents and certificates from relevant departments. After receiving the above application, the insurance company shall verify it in time according to the regulations. The amount of compensation shall be paid immediately after reaching an agreement with the insured. The specific terms shall be subject to the enterprise property insurance clauses.
2. Car insurance
(1) Scope of Insurance All motor vehicles (including motorcycles and tractors) owned by units and individuals or owned by others, or managed by them, can apply for domestic motor vehicle insurance from insurance companies, and attach "passenger accident injury liability insurance" and "stevedores accident injury liability insurance".
(2) Insurance Liability Vehicle Loss Insurance The insurance company is responsible for compensating the insured vehicle for losses caused by the following reasons:
(1) Collision, overturning, fire and explosion;
(2) Lightning strike, storm, tornado, flood, destructive earthquake, subsidence, ice subsidence, cliff collapse, hail disaster, debris flow, tunnel collapse and falling objects in the air;
(3) The whole vehicle has been stolen (including the loss reporting unit) for more than three months;
(4) The ferry carrying the insured vehicle suffers from natural disasters or accidents (only those who are cared for by the driver);
⑤ Reasonable expenses paid by the insured for taking protective measures against the insured vehicle when the insured accident is caused by the above reasons. The maximum amount of compensation for this expense shall not exceed the insured amount.
(3) The insurance period is valid for one year, from 0: 00 on the agreed insurance date to 24 hours on the expiration date. Renew the insurance upon expiration and go through other formalities.
(4) Insurance amount The insurance amount of public vehicles can be determined according to the purchase value, or can be determined by the insured and the insurance company through consultation; The insured amount of private or individual contracted vehicles shall be determined by the insured and the insurance company through consultation, but the maximum amount shall not exceed the actual value at the time of insurance.
(5) Preferential treatment without indemnity Insurance vehicles can enjoy preferential treatment without indemnity during the one-year insurance period. The preferential amount is 10% of the premium payable in the previous year, and those who do not renew the insurance will not be given. If the insured insures more than one vehicle, the preferential treatment of exemption from compensation shall be calculated separately according to the vehicle.
(6) Obligations of the Insured
The insured shall truthfully declare the insured vehicle when applying for insurance, and pay the insurance premium at the same time when signing the insurance contract.
(2) The insured shall do a good job in maintaining the insured vehicle, so as to keep the insured vehicle in normal technical condition.
③ If the insured vehicle is resold, transferred, given to others or changed in use within the validity period of the insurance contract, the insured shall notify the insurance company in advance and apply for change. The insured shall not use the insured vehicle to engage in illegal and criminal activities, and shall not illegally resell or transfer the insured vehicle.
(4) After the insured vehicle has an insurance accident, the insured shall take reasonable protection and rescue measures, and shall immediately report to the traffic management department and notify the insurance company.
3. Family property insurance
(1) Insurance Property Scope
(1) clothing and bedding;
(2) Furniture, appliances and indoor decorations;
3. Household appliances, cultural and entertainment supplies;
(four) farm tools and tools for rural families, agricultural products and commercial products that have been harvested and put into storage;
⑤ Non-motor vehicles;
⑥ The above-mentioned property and professional articles kept by others or used by professionals owned by others can also be insured after special agreement is made between the insured and the insurer and indicated in the insurance policy.
(2) Insurance liability
(1) Fire and explosion;
② Lightning strike, tornado, flood, hail disaster, destructive earthquake, sudden ground collapse, cliff collapse, ice and debris flow;
(3) Attached flying objects and collapsed foreign buildings or other fixed objects;
(4) If the family property is covered by the additional risk of theft or the second risk of family property, the insurance company shall be responsible for the compensation for the losses of the property (all kinds of watches, pens, glasses, wireless communication equipment, lighters and other items that are often carried with you) stated in the insurance policy and stored indoors in the insurance place, which are caused by outsiders breaking doors, smashing windows, digging walls and obvious signs of theft.
(3) insurance period and insurance premium or insurance premium
① The insurance period of general family property insurance is one year, the insurance premium is one yuan per thousand yuan of the insured property, and the additional risk theft insurance premium is two yuan per thousand yuan of the property.
(2) The standard of saving family property endowment insurance (including theft liability) is: 25 yuan per thousand yuan of insurance savings.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.