1. Principle of insurable interest: The principle of insurable interest, also known as the principle of insurable interest, means that in the process of signing and performing an insurance contract, the applicant or the insured must have an insurable interest in the subject matter insured. Generally speaking, the applicant is the person who wants to buy insurance, the insured is the person to be protected by insurance (the applicant and the insured can be the same person), and the subject matter of insurance refers to the object to be protected by insurance. (Property insurance takes property and related interests as the subject matter of insurance, while life insurance takes human life and body as the subject matter of insurance) Insurable interests refer to the interests recognized by the insured or the insured's law.

2. The principle of utmost honesty: We usually say that a person is honest, that is to say, this person will keep his word, will not talk big, will not lie, and will be kind to others. The same is true of the principle of good faith in insurance. It requires both parties who sign an insurance contract to abide by the principles, including the applicant, the insured and the insurer. (Note: Insurers generally refer to insurance companies, which are different from insurance agents, insurance brokers and insurance assessors)

3. Principle of loss compensation: Some people ask, what should the insurance company do if it doesn't compensate? Now the CIRC is becoming more and more strict, and the industry system is gradually improving. This kind of "black" event is not without, but the probability of occurrence is extremely low. Well-known insurance companies will not do such things that damage their reputation, but insurance companies generally have reasons to refuse compensation.

4. Proximity principle: "Proximity" sounds a bit strange, but it is actually easy to understand. Usually used to determine whether the loss belongs to the insurance liability, and then determine whether the insurance company pays the insurance premium. Of course, there are more complicated proximate causes. Some people say that they are willing to believe that the protection brought by insurance can help them resist accidents and help them in the most difficult time because they believe more in the strength of insurance companies.

Test your anti-risk index, and experts will interpret it for you for free!