What are the forms of car insurance contracts?

An insurance contract is a binding agreement entered into between the insurer and the policyholder on a voluntary basis. As a type of property contract, the car insurance contract can protect the relevant interests of the car owner. There are five main forms: insurance policy, temporary insurance policy, insurance policy, insurance certificate, and endorsement.

1. Insurance policy.

A car insurance policy is a written form in which the policyholder applies for insurance. Usually, the insurance policy is designed and printed by the insurer in advance, and the policyholder only needs to fill in the items listed on the insurance policy one by one. After the policyholder fills out the insurance policy, the insurer reviews and agrees to sign and seal the underwriting, which means that the insurer accepts the written offer of the policyholder, indicating that the auto insurance contract has been established.

2. Temporary insurance policy.

A temporary insurance policy is a temporary insurance contract issued by the insurer before the official policy is issued to prove that the insurer agrees to underwrite. The content of the temporary insurance policy is relatively simple, including only the subject matter of insurance, insurance liability, insurance amount, and the rights and obligations of the parties to the insurance relationship.

3. Insurance policy.

An insurance policy is a formal written document that concludes an insurance contract between an insurer and a policyholder. It is issued by the insurer to the policyholder after the insurance contract is established according to the application of the car policyholder. The insurance policy sets out all the contents of the insurance contract, which is an important basis for the parties to the insurance to determine their rights and obligations and to claim compensation from the insurer after the insured suffers economic losses due to the occurrence of the insurance policy.

4. Certificate of insurance.

The insurance certificate is a kind of certificate issued by the insurer to the insured to prove that the insurance contract has been concluded, and all the contents not recorded in the certificate shall be subject to the insurance policy of the same type of insurance, which is a simplified insurance policy. In the automobile insurance business, in addition to issuing an insurance policy, the insurer must also issue an insurance certificate to prove that the insured has taken out automobile loss insurance and third-party liability, so as to facilitate the handling of traffic accidents.

5. Endorsement. An endorsement is a statement of change that changes something in an insurance contract. In the process of auto insurance business, it often involves the transfer of vehicle ownership, transfer, ** and other acts of changing the ownership of the vehicle, which also brings about the change of certain elements in the auto insurance policy, such as the change of the insured; or changes in the amount of insurance, the duration of insurance, etc., which need to be recorded in some form, or a new insurance policy may be issued.

Policies, temporary policies, insurance policies, certificates of insurance, endorsements, written agreements.

There are mainly the following types of documents in car insurance:

1. Insurance policy: It is a written certificate for the policyholder to apply for insurance. The insurance policy is usually provided by the insurance company and is filled out and signed or stamped by the policyholder. The insurance company issues the original insurance policy according to the content of the insurance policy filled out by the policyholder.

2. Insurance policy: also called the original insurance policy. It is a written proof that the insurance company has entered into an insurance contract with the policyholder.

An insurance policy is issued by an insurance company and mainly states the rights and obligations between the insurance company and the insured. It is the evidence that the insured makes a claim to the insurance company.

3. Insurance card: a simple card-style voucher issued by the insurance company to the policyholder, which records the main content of the original insurance policy and is carried by the policyholder.

4. Endorsement: It is a supplementary written certificate issued by the insurance company to the insured in order to change the content of the insurance contract.

5. Insurance premium invoice: It is the voucher of insurance premium payment. An official invoice produced by the Inland Revenue Department.

The characteristics of the car insurance contract are as follows

1. A car insurance contract is a well-known contract. A named contract is a contract in which the law directly assigns a fighting name to a certain contract and stipulates the adjustment norms;

2. The car insurance contract is a paid contract. A paid contract refers to a contract in which a certain consideration must be paid because of the enjoyment of certain rights;

3. The motor vehicle insurance contract takes the insurance premium paid by the policyholder as consideration in exchange for the insurer to bear the corresponding vehicle-related risks.

What are the conditions for a car insurance contract to be valid.

The conditions for a car insurance contract to be valid include:

1. The subject agrees. The parties to the insurance contract must agree, and the agreement is the agreement that both parties must have the basis of subject qualification - death;

2. The object is legitimate. The insurance interests of the policyholder for the subject matter of insurance must comply with the provisions of the law, meet the requirements of the public interest, and be able to claim in law and be protected by law. Otherwise, the insurance contract is invalid;

3. The rights and obligations of both parties are reciprocal. An insurance contract is a paid contract, in which the policyholder bears the obligation to pay the insurance premium in exchange for the insurer's economic protection for the loss suffered by the insured accident.

Legal basis: Article 13 of the Insurance Law of the People's Republic of China.

The insurance contract is established when the policyholder makes an insurance request, and the insurer agrees to underwrite the insurance. The insurer shall issue an insurance policy or other insurance certificate to the policyholder in a timely manner.

The insurance policy or other insurance certificate shall clearly state the content of the contract agreed upon by both parties. The parties may also agree to set out the contents of the contract in other written forms.

An insurance contract established in accordance with the law shall take effect from the time of its establishment. The policyholder and the insurer may agree on the validity of the contract with conditions or a time limit.

1.The insurance policy is a written form in which the policyholder applies for insurance;

2.A temporary insurance policy is a temporary insurance contract issued by the insurer before the official policy is issued to prove that the insurer agrees to underwrite.

3.An insurance policy is a formal written document that concludes an insurance contract between an insurer and a policyholder.

4.The certificate of insurance is a kind of certificate issued by the insurer to the insured to prove that the insurance contract has been concluded, and the certificate is not recorded.

Extended Information:1A contract is an agreement between civil subjects to establish, modify, or terminate a civil legal relationship.

Article 464 of the Civil Code of the People's Republic of China: Marriage, adoption, guardianship and other agreements related to identity relationships shall be governed by the provisions of the laws on such identity relationships; Where there are no provisions, the provisions of Part III may be applied by reference on the basis of their nature.

Contracts established in accordance with the law are protected by law. A contract established in accordance with law shall only be legally binding on the parties, unless otherwise provided by law.

2.The contract arises in response to the objective requirements of the commodity economy of private ownership, and is the legal expression of commodity exchange. After the production of commodities, in order to ensure the safety and credibility of exchange, people gradually formed many habits and rituals about exchange in the long-term practice of exchange.

These customs and rituals of commodity exchange gradually became the general rules governing the exchange of commodities. With the establishment of private ownership and the emergence of the state, the ruling class, in order to maintain private ownership and normal economic order, laid down in legal form the customs and rules of commodity exchange that were favorable to them, and guaranteed their implementation by the coercive power of the state. Thus the formation of the contract law for the exchange of goods came into being.

Contracts were valued in ancient Rome. The signing of a contract must go through the prescribed manner before it can be legally valid. If any detail is omitted from the terms and actions of the contract ceremony, the entire contract will be voided.

With the development of the commodity economy, this cumbersome form has a direct impact on the development of commodity exchange. In theory and practice, Roman law gradually overcame formalism in treaty-making. The advent of contracts in rem and contracts of agreement marked the shift of Roman law from the emphasis on form to the will of the contracting parties, thus freeing the exchange of goods from cumbersome forms and becoming the historical source of the modern concept of freedom of contract.

The contract system also has a long history in ancient China. The Zhou Li has more detailed rules and regulations on the form of early contracts. Judgments, pledges, farewells, and deeds are all written forms of contracts in ancient times.

After the Tang, Song, Yuan, Ming and Qing dynasties, the provisions of the law on contracts became more and more systematic.

3.There is also a saying that modern contracts are written in duplicate, because in the past, when the civil contract was customized, it was a piece of paper, and after it was written, it was torn from the middle, and one person took half of it, and then put it together when there was a dispute, so there was a contract and two copies.

Hello dear, the motor vehicle insurance contract refers to the insurance contract in which the owner or user of the motor vehicle pays the insurance premium to the insurer, and the insurer bears the responsibility of compensating for the insurance money when the insured vehicle has an insurance accident, mainly including vehicle loss insurance, third-party liability insurance, car theft and robbery, and vehicle personnel liability insurance.

Auto insurance is a kind of claim relationship to protect the car when there is an accident, mainly to ensure the safety of the car A type of insurance is closed, and the basic matters of the auto insurance contract include:

1) The names and addresses of the parties to the insurance contract and related parties. This is a clause on the basic information of the insurer, the policyholder, the insured and the beneficiary, whose name and domicile must be recorded in detail in the insurance contract, so that after the insurance contract is concluded, the rights and obligations can be effectively exercised.

2) The subject matter of insurance. Clarifying the subject matter of insurance is conducive to judging whether the policyholder has an insurable interest in the subject matter of insurance. Therefore, the insurance contract must specify the subject matter of the insurance.

The subject matter of insurance in the property insurance contract refers to property, liability and credit; The subject matter of insurance in a life insurance contract refers to the life and body of the insured.

3) Insurance liability and liability exemption. Insurance liability refers to the responsibility of the insurer to bear the economic compensation and payment of insurance money for the insured subject matter specified in the insurance contract when the agreed insured event occurs. It is usually enumerated in the terms of the insurance policy.

The insurance liability is clear that the insurer shall be liable for compensation or payment of which risks have caused the economic loss or personal loss of the insured. Insurance liabilities usually include basic liabilities and special liabilities.

4) The insurance period and the time when the insurance liability begins. The insurance period refers to the period of validity of the insurance contract, that is, the starting and ending time when the insurer provides insurance protection for the insured.

5) Insurance value. The insured value refers to the value of the subject matter of insurance as the basis for determining the amount of insurance when the parties to the insurance contract are concluded, that is, the value of the insurance interest enjoyed by the policyholder in monetary terms.

6) The amount of insurance. The insured amount is the basis for the insurer to calculate the insurance premium, and it is also the maximum limit of the insurer's liability for compensation or payment of insurance money. In different insurance contracts, the amount of insurance is determined differently.

7) Insurance premiums and payment methods. The insurance premium refers to the consideration paid by the policyholder to assume the insurance liability as an insurer. It is the basic obligation of the policyholder to pay the insurance premium.

8) Methods of compensation or payment of insurance money. The method of compensation or payment of insurance money, that is, the specific provisions of insurance payment, is the method by which the insurer pays the insurance money to the insured or its beneficiary in accordance with the statutory or agreed manner, standard or amount when the insured suffers an insured accident that causes economic loss or personal loss to the insured.

9) Liability for breach of contract and dispute settlement. Liability for breach of contract refers to the liability of the parties to the insurance contract for breach of their obligations due to their fault that the contract cannot be performed or cannot be fully performed.

10) The year, month and day on which the contract was concluded. The year, month and day of the conclusion of the contract usually refer to the effective time of the contract, so as to determine whether the policyholder has an insurance interest and the delivery period of the insurance premium.