Property Insurance Question 50, Property Insurance Questions

When you first applied for insurance, how did you pay the insurance premium? To whom? Is there a proof of payment?

If it is the school to collect and pay the land insurance, then it should be group insurance, the group insurance only has a policy number, (with a roster) so you will not have a policy number, you can find the school was responsible for contacting the insurance company The teacher, or ask the finance to check the transfer voucher of the earth in x year and x month, and there must be an explanation on the financial accounting voucher. He must have relevant procedures there, or go directly to Dadi Insurance to inquire about the insurance records of "Northwest University of Political Science and Law" for x years and months! You don't have to worry, as long as you report the case, you can make up the formalities later, there is no policy number, it is a matter of the school, you just need to report to the earth, and the earth is obliged to find the policy number for you!

FYI.

Go straight to the insurance company, they have a policy number. Or there are specialized people in charge of insurance in the financial sector, who know about it, and specifically call them to contact. It's useless to look for guards.

Also, see if you have any robbery liability in your insurance liability. Take a look at insurance liability. However, it is estimated that the school will not be uniformly handed over.

Hope...

It seems that there is no way to get compensated

There should be a pro-insurance policy number on the insurance card

Take the document that can prove your identity information to the insurance company to check your insurance contract, the insurance policy number is available from the insurance company. There is no reason for them to refuse compensation.

Hello, personal property insurance, safety insurance, hail insurance, blind insurance is mainly home property insurance, home property insurance coverage is relatively wide, according to the different insurance responsibilities, it can be mainly divided into disaster loss insurance and theft insurance.

The following aspects should be paid attention to when insuring the corresponding home property insurance:

Unlike life insurance, the insurance company will only pay according to the actual loss amount, up to the actual value of the insurance subject, that is, the more home property insurance does not mean that you can get a higher payout.

Consumers should also carefully read the insurance obligations in the contract when applying for home contents insurance, and need to be aware that not all household property can be insured with home contents insurance.

In addition, there is no "hesitation period" for family property insurance, if most of the property in the family source is changed, you must go to the insurance company to change the content of the policy, and the premium is calculated on a daily basis, and the excess is refunded and the deficiency is compensated;

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

First, the insurance company lacked research on market changes, could not grasp the situation in a timely manner, and did not take effective measures;

Second, the means of business development are monotonous, the methods and methods are not flexible, and the service level is not high;

the third is to expose the unreasonable, unattractive, and unsuitable market demand of the insurance type;

Fourth, the channel is unstable, and the institutions and personnel cannot carry out business normally;

Fifth, during the period of economic readjustment, the growth of peasants' incomes in townships and towns was slow, especially during the period of "reducing the peasants' burdens," "insurance" was often cut off as a burden on peasants, and the income of urban residents did not increase much in recent years, and the number of laid-off workers and workers increased, which also affected people's enthusiasm for taking out insurance.

Second, the development of family property insurance:

1.In the early stage of the recovery of domestic business, home property insurance grew rapidly along with other businesses;

2.During the period of steady development of property insurance business, the family property insurance business has declined sharply, and there is an irrepressible trend;

3.During the period of in-depth development of reform, the family property insurance business stagnated, and the disturbance was in trouble.

3. Duration of family property insurance:

According to the different needs of the insured, family property insurance can be divided into ordinary family property insurance (insurance period of 1 year) and regular repayment of principal family property insurance (insurance period of 1 year, 3 years and 5 years).

4. The insured amount of family property insurance:

The insured amount shall be determined by the insured according to the actual value of the insured property, and shall be separately listed according to the insured property items specified in the insurance policy.

Insurance premium: The insurance premium of ordinary family property insurance shall be calculated according to the family property insurance rate stipulated by the insurer of Zheng Zhao of the Bureau. The insured shall pay the insurance premium in full on the day of commencement of insurance.

Property insurance contracts do not protect the property itself, but the economic interests contained in the property. The insurance interest arises from the policyholder's interest in the subject matter of the insurance, which generally refers to the interest arising from legal or contractual rights or responsibilities. Any person who suffers economic losses due to a risk accident in the property or obtains benefits or expected benefits due to the safety of the property has the insurance interest of property insurance.

Specifically, it includes: 1. The property owner and business manager have insurance interests in the property owned or managed by them. For example, the legal representative of the company has an insurable interest in the company's property; The homeowner has an insurance interest in all of his or her homes; The owner of the goods has an insurance interest in his goods, etc.

2. The mortgagee of the property has an insurance interest in the mortgaged property. A person who has a mortgage on the property has an insurable interest in the mortgaged property. Mortgage is a kind of security for debts, and when the claims cannot be repaid, the mortgagee has the priority right to benefit from the value of the mortgaged property.

However, in a mortgage loan, the mortgagee's insurance interest in the mortgaged property is limited to the amount of the money he has lent, and the mortgagee's interest in the mortgaged property disappears after the debtor has paid off the debt, and its insurance interest disappears with it.

3. The custodian of the property, the carrier of the goods, various contractors and lessees shall have insurance interests under the condition of economic responsibility for the property in their custody, occupation and use.

4. The operator has an insurance interest in its legitimate expected interests. For example, due to business interruption, the expected loss of profits, rental income, box office revenue, etc., the operator has an insurance interest in these expected benefits.

1. Statute of limitations for insurance benefits of property insurance.

In general, the insurable interest of property insurance must exist from the time of the conclusion of the insurance contract to the time of loss. When an insurance contract comes into effect, if the policyholder has no insurance interest, then the contract is void ab initio. If the insured's insurance benefits have been terminated or transferred at the time of the loss, the insurer will not be able to compensate them.

For example, when Bank A makes a mortgage loan, it insures the collateral, and when the bank recovers the loan, the collateral is damaged, and Bank A cannot receive compensation from the insurer even though the insurance contract has not expired. However, in marine cargo transportation insurance, the buyer often has not yet received the ownership of the goods when the insurance is taken, and the transfer of the right to the goods is inevitable. In order to facilitate the conclusion of the insurance contract, at this time, the insurance interest does not have to exist at the time of the conclusion of the insurance contract, but the insured must have the insurance interest when the loss occurs.

2. Changes in the insurance interests of property insurance.

The existence of insurance interests is not immutable, and changes such as the transfer and extinction of insurance interests often occur due to various reasons. The transfer of insurance interests means that during the validity period of the insurance contract, the policyholder transfers the insurance interests to the transferee, and the original insurance contract continues to be valid after the insurer agrees and performs the relevant procedures for contract modification. The extinguishment of insurance interest means that the insurance interest of the policyholder or the insured in the subject matter of insurance is extinguished with the loss of the subject matter of insurance.

The basic insurance and comprehensive insurance of property insurance are the common types of property insurance in China, which are evolved and developed on the basis of the traditional human fire insurance, and mainly cover the direct loss of the insured property caused by fire and other natural disasters and accidents. The main difference is: There is a difference between insurance liability and exclusion.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"