One of the legal characteristics of an insurance contract is that the insurer may not perform the obligation of compensation. A lucky contract is often said to be unlucky because it takes uncertain things as the theme of the contract. It is different from the principle that contracts are based on certain events in people's daily lives. Therefore, it is often easy to stimulate people's speculative psychology and bring moral hazard, so people generally think that lucky contracts are improper.

In addition to lucky contracts, there are unnecessary contracts and collateral contracts.

Unwanted contract means that the contract concluded by the parties does not need to take a specific form according to law, and the parties can take oral or written form. Malicious contract is a legal concept relative to important contract. It means that the contract concluded by the parties need not take a specific form according to law, and the parties can take oral or written form. The non-specific form of an informal contract does not affect the establishment and effectiveness of the contract.

Collateral contract, also known as collateral contract, is the symmetry of negotiation contract. It is the main content of the contract put forward by one party, and the other party can only make the decision of "taking and giving up" on this basis, rather than making it through consultation between the two parties to the contract. Ordinary policyholders cannot put forward the policy they want, nor can they modify a certain clause in the policy. Even if the contents of the policy need to be changed, the insurer can only supplement the policy with supplementary terms prepared in advance or attach a special agreement approval form.

Baidu Encyclopedia "Lucky" Baidu Encyclopedia "conforms to the contract" Baidu Encyclopedia "does not want the contract"