车辆保险合同书范本.docx

车辆保险合同书范本
保险合同书范本
Insurance Contract Sample
保险合同书
Insurance Contract
一、保险合同的订立
Article 1 Formation of Insurance Contract
1.1 本合同由自动承保。
1.1 This contract is automatically underwritten.
1.2 投保人应根据诚实信用原则向本公司提供保险合同订立所需的真实资料。
1.2 The policyholder shall provide the company with true information necessary for the conclusion of the insurance contract in accordance with the principle of good faith.
1.3 本公司收到投保人所提供资料之日起生效，合同订立日以本公司受理业务日期为准。
1.3 The contract shall come into effect from the date of receipt of the information provided by the policyholder, and the date of conclusion of the contract shall be based on the date of acceptance of the business by the company.
1.4 投保人和被保险人有权改变理赔受益人。
1.4 The policyholder and the insured have the right to change the beneficiary of the claim.
1.5 保险合同书一式两份，由本公司和投保人各执一份，纸本具有同等法律效力。
1.5 Two copies of the insurance contract shall be made, one for the company and one for the policyholder, and the paper copy shall have the same legal effect.
1.6 保险合同的修订、补充以及终止必须经过书面协议。
1.6 Any amendment, supplement, or termination of the insurance contract must be agreed upon in writing.
1.7 保险合同书标有“保密”字样，对于与保密事项有关的范本、业务进行，应采取保密措施。
1.7 The insurance contract marked with the word "confidential" shall take confidential measures for the sample and business related to confidential matters.
1.8 保险人应当对保险合同的效力或者保险标的等主要内容向被保险人做出书面说明。
1.8 The insurer shall explain in writing to the insured the validity of the insurance contract or the main contents of the insurance subject matter.
1.9 所有的合同、协议必须经过签订，并加盖本公司公章方为有效。
1.9 All contracts and agreements must be signed and stamped with the official seal of the company to be valid.
1.10 本合同在以下情况下将被终止：
- 保险合同期满；
- 投保人未支付保险费；
- 投保人故意提供虚假信息。
1.10 This contract shall be terminated under the following circumstances:
- Expiration of the insurance contract term;
- The policyholder fails to pay the insurance premium;
- The policyholder deliberately provides false information.
二、保险责任
Article 2 Insurance Liability
2.1 保险人依据本合同的约定，在被保险人发生意外事故造成车辆受损或第三者受伤时，负责赔偿损失。
2.1 The insurer shall be liable for compensation in accordance with the provisions of this contract when the insured vehicle is damaged or third parties are injured in an accident.
2.2 本公司对被保险人享受保险责任的范围，具有最终解释权。
2.2 The company has the final interpretation of the scope of insurance liability enjoyed by the insured.
2.3 被保险人应当在事故发生之日起24小时内通知保险公司，提供理赔所需的相关证据和资料。
2.3 The insured shall notify the insurance company within 24 hours of the accident, and provide relevant evidence and information required for the claim.
2.4 保险公司应当在收到理赔申请后5个工作日内进行处理，向被保险人支付相应的保险赔偿。
2.4 The insurance company shall process the claim within 5 working days after receiving the claim application, and pay the insured the corresponding insurance compensation.
2.5 被保险人在事故发生后不得私自处理相关事宜，否则将影响保险公司的理赔处理。
2.5 The insured shall not privately handle relevant matters after the accident, otherwise it will affect the insurance company's claim handling.
2.6 被保险人在获得保险公司赔偿后，须将保险公司支付的赔偿款项用于维修受损车辆或支付第三方赔偿。
2.6 After receiving compensation from the insurance company, the insured must use the compensation payment from the insurance company for repairing the damaged vehicle or paying third-party compensation.
2.7 保险公司有权对被保险人提交的理赔事项进行审核，严格按照保险合同的约定进行赔偿处理。
2.7 The insurance company has the right to review the claims submitted by the insured, and strictly compensate according to the provisions of the insurance contract.
2.8 若保险公司认为理赔申请存在争议，双方可以协商解决；如协商不成，可向相关保险监管机构投诉。
2.8 If the insurance company considers that the claim is disputed, the two parties can negotiate for a resolution; if negotiation fails, they can complain to the relevant insurance regulatory authorities.
2.9 保险公司不承担以下责任：
- 被保险人的违法行为导致的损失；
- 不属于保险合同约定的赔偿范围；
- 意外事故发生时被保险人未按照合同规定的程序通知保险公司。
2.9 The insurance company shall not be liable for the following:
- Losses caused by the insured's illegal acts;
- Compensation beyond the scope stipulated in the insurance contract;
- Failure of the insured to notify the insurance company in accordance with the procedures stipulated in the contract when an accident occurs.
三、保险费及费用支付
Article 3 Insurance Premium and Payment of Fees
3.1 投保人应按照约定的保险费用标准，按时足额支付保险费。
3.1 The policyholder shall pay the insurance premium in full and on time according to the agreed insurance premium rate.
3.2 保险费的支付方式为一次性付费，可以选择分期付款，具体分期付款方式和费率另行约定。
3.2 The payment method of the insurance premium is a one-time payment, with the option to choose installment payments, and the specific installment payment method and rate shall be separately agreed upon.
3.3 保险费支付后，保险合同即生效，保险责任生效。
3.3 The insurance contract shall come into effect and the insurance liability shall take effect upon the payment of the insurance premium.
3.4 保险公司应当提供正规的发票，并在发票上注明保险合同的相关信息。
3.4 The insurance company shall provide formal invoices, and indicate the relevant information of the insurance contract on the invoice.
3.5 投保人在迟延支付保险费用时，应按照合同约定的条件支付滞纳金。
3.5 When the policyholder delays the payment of the insurance premium, they shall pay a late fee according to the conditions stipulated in the contract.
3.6 投保人在迟增保险费用时，保险公司有权暂停保险责任，并追溯至相关费用增加之前。
3.6 If the policyholder delays in increasing the insurance premium, the insurance company has the right to suspend the insurance liability and retroactively charge from before the relevant fee increase.
3.7 保险费的调整以及退保问题应当在双方协商一致的情况下执行。
3.7 The adjustment of insurance premiums and issues related to cancellation of the policy shall be implemented with the unanimous consent of both parties.
3.8 保险公司不得在未经投保人同意的情况下擅自调整保险费用标准。
3.8 The insurance company shall not unilaterally adjust the insurance premium rate without the consent of the policyholder.
3.9 关于保险费的支付情况，应当按照纳税规定向税务机关申报并缴纳相关税费。
3.9 The payment of insurance premiums shall be reported and paid to the tax authorities in accordance with tax regulations.
四、争议解决
Article 4 Dispute Resolution
4.1 保险合同中发生争议时，双方应通过友好协商的方式进行解决；如协商不成，可向有关法律机构提起诉讼。
4.1 In the event of a dispute in the insurance contract, the two parties shall resolve it through friendly negotiation; if negotiation fails, legal action can be taken to the relevant legal institutions.
4.2 投保人或被保险人在发生争议时，应提出书面申请，陈述抗辩意见，并提供相关证据材料。
4.2 When a policyholder or insured party disputes, a written application should be made, stating the grounds for objection, and providing relevant evidence.
4.3 争议期间，保险公司有权暂停对相关理赔事项的处理。
4.3 During the dispute, the insurance company has the right to suspend the processing of relevant claims.
4.4 保险公司应尊重法律裁决，对法院认定的诉讼结果进行执行，并按照裁决结果承担损失。
4.4 The insurance company shall respect the legal judgment, implement the litigation results determined by the court, and bear the losses according to the judgment results.
4.5 对于高度争议的案件，保险公司和被保险人可共同选择第三方中立机构进行调解、仲裁。
4.5 For highly disputed cases, the insurance company and the insured can jointly choose a third-party neutral institution for mediation and arbitration.
4.6 任何一方在争议解决的过程中，不得以拖延时间或利用规则漏洞来逃避责任和义务。
4.6 Neither party shall evade responsibility and obligations during the dispute resolution process by delaying time or exploiting loopholes in the rules.
五、其他条款
Article 5 Other Terms
5.1 本合同自双方履行合同规定的义务之日起开始生效。
5.1 This contract shall take effect from the date on which the parties perform their obligations as stipulated in the contract.
5.2 本合同未尽事宜，双方可另行协商约定并签署补充协议。
5.2 Matters not covered in this contract may be negotiated and signed as supplementary agreements by the parties.
5.3 本合同自双方确认签字盖章之日起生效，至合同约定终止或到期之日止。
5.3 This contract shall come into effect from the date on which both parties confirm and sign with seal, and shall remain in force until the termination or expiration as agreed in the contract.
5.4 本公司和投保人保证在签署的保险合同中第二栏未作任何修改，本公司对该合同有效性负有法律责任。
5.4 The company and the policyholder guarantee that no modifications have been made to the second column of the signed insurance contract, and the company shall bear legal responsibility for the validity of the contract.
5.5 因不可抗力因素导致不能履行合同义务时，受影响的一方应立即通知另一方，并尽力减少损失。
5.5 In the event of force majeure factors preventing the performance of contractual obligations, the affected party shall immediately notify the other party and make every effort to minimize the losses.
结语
Conclusion
通过对保险合同书范本的详细介绍，相信您已经对车辆保险合同的订立、保险责任、保险费支付等方面有了更深入的了解。在签署保险合同之前，请仔细阅读合同条款，确保自身权益得到保障。祝您在车辆保险方面一切顺利！
Through the detailed introduction of the insurance contract sample, it is believed that you have gained a deeper understanding of the conclusion of the vehicle insurance contract, insurance liability, payment of insurance premium, and other aspects. Before signing the insurance contract, please read the terms of the contract carefully to ensure that your rights are protected. Wish you all the best in vehicle insurance!
以上就是关于保险合同书范本的全部内容，如有更多疑问或需要进一步解释，请随时与我们联系。
The above is all about the insurance contract sample content. If you have any further questions or need further clarification, please feel free to contact us.