Category: Insurance tips Release Date: 2006-08-01
Comrade Editor:
I would like for his family's property insurance, but I do not know of such property insurance coverage and liability insurance is how to define, and can tell us about the situation.
Readers ZHOU Ru-juan
Fuzhou:
The insurance on the family property insurance terms vary, there may wish to quote the relevant provisions of an insurance company, so you have a general understanding.
In general, the insurance house and its ancillary equipment and storage room on the insurance policies set forth in the indoor addresses the subject of insurance, due to being outside personnel pry, smashing windows and doors, over the wall dug wall, armed robbery, and have obvious signs of the public security field department believes that acts of banditry caused by the loss, damage and direct loss within 3 months failed to solve the case, the insurer to pay compensation.
Due to the following causes of loss, the insurer be liable:
Subject matter of insurance theft by an outsider no obvious signs of behavior out the window due to the loss of hook material; insurance, who were the subject of theft by locking doors and windows are not caused by loss; insurance, the insured person the subject of employment due to staff, live people, boarding stolen due to losses.
Insurance, comprehensive insurance, the amount of the family property, the amount of insurance is limited, portable supplies (portable computers, personal digital assistants, cameras, photographic equipment, radios, tape recorders, CD machine, VCD machine) the maximum amount of insurance is usually 5,000 yuan, and take out out of the list.
Subject-matter insured looted after the accident occurred, the insured person shall immediately report truthfully to the local public security department and notify the insurer, or insurer is entitled to exclusions.
Banditry responsibility for damages after the interests of the insured person shall be transferred to insurers, detection and recovered all the subject-matter insured shall be vested in the insurer. The insured person who is willing to withdraw the subject of insurance was recovered, it has received indemnity must be returned to the insurer, the insurer has been recovered on the subject-matter insured in accordance with the actual loss of damage to part of the compensation.
The insured to the insurer, after a report from the time of the incident 3 months after it was looted in the insurance subject not yet been identified, may apply for compensation arrangements.
The following is the insurer of the family property safe use of electricity appliances comprehensive insurance additional insurance policy:
In order to insure the family property insurance household appliances limited to the amounts of insurance.
For the following reasons led to abnormal voltage direct damage caused by household appliances:
Power supply line for victims of domestic property, liability insurance, comprehensive insurance within the scope of natural disasters and accidents of the attacks; the electricity sector or construction errors; power lines occurred in other accidents.
Due to the following causes of loss, the insurer be liable:
The insured person's intentional behavior and illegal use of electricity, illegal tapping of electricity or wrong wiring of the damage caused by household appliances; appliances running beyond its capacity, natural wear and tear, inherent defect, the original damage, excessive use of electricity, self-heating and over the use of life after damage.
In recent years, many people own homes in the pipeline failure and the numerous troubles, so that the insurance company has also introduced a comprehensive insurance family property attached pipe rupture and water-soaked insurance.
The family property insurance to the insured amount of insurance coverage is limited.
The additional risk due to the insured person is responsible for the indoor water supply pipes, water pipes and heating pipes (including radiator) suddenly burst causing water leakage caused by spills or the neighbor's insurance, the insured property losses.
Due to the following causes of loss, the insurer be liable:
As the insured person's intentional acts, unauthorized changes to the original pipeline design; due to the construction of pipe rupture caused by the loss of family property; due to pipeline test water pressure test result, piped running water caused by rupture of the family property damage.
Comprehensive insurance, additional family assets in cash, jewelry worth raiding the insurance you to consider.
Where a comprehensive insurance coverage of family property, and additional insurance, raiding, and its insurance amount raiding more than 10,000 yuan (including 10,000 yuan) of the policy holders can be insured that the additional risk.
Family property looted in order to insure the insurance coverage limited to 10% of the amount of the maximum insured amount of 10,000 yuan, in cash (including marketable securities) 2,000 yuan, 8,000 yuan jewelry.
Deposited in the insurance policies set forth in the address of the room in cash, securities, jewelry, due to being outside personnel pry, smashing windows and doors, over the wall dug wall, armed robbery, and have obvious signs of the scene, after raiding the public security department confirmed that acts of caused by the loss, damage and direct loss of less than 3 months failed to solve the case, the insurer to pay compensation.
Due to the following causes of loss, the insurer be liable: outdoors subjected to robbery, theft; custody caused carelessly; not responsible for the cash (securities) and interest losses.
