QUY TC BO HIM KT HP XE T

(Ban hnh km theo Quyt nh s: 304/Q-PJICO/XCG2009 ngy 05 thng 05 nm 2009 ca Tng Gim c Cng ty c phn Bo him Petrolimex c hiu lc k t ngy 01/06/2009)

p dng cho xe t, xe my chuyn dng bao gm: Xe t; my ko; Xe R moc hoc s mi r moc, c ko bi xe t, my ko; xe my thi cng; xe my nng nghip, lm nghip v cc loi xe c chng khc c tham gia giao thng ng b Trn c s ca Bn mua bo him (sau y gi tt l Ch xe) yu cu bo him v ng ph bo him theo tho thun, Cng ty c phn bo him Petrolimex (gi tt l PJICO) nhn bo him phn t nguyn theo cc iu kin quy nh trong Quy tc ny gm cc loi hnh bo him sau: - Bo him Trch nhim dn s ca Ch xe i vi hng ho vn chuyn trn xe. - Bo him Tai nn ngi ngi trn xe v tai nn li ph xe. - Bo him Vt cht xe. - Bo him t nguyn Trch nhim dn s ca Ch xe t. - Cc iu khon bo him b sung. . CHNG I QUY NH CHUNG iu 1: Hp ng bo him Hp ng bo him bao gm : 1.1 Quy tc bo him kt hp xe t do PJICO ban hnh: L cc iu khon quy nh quyn li, trch nhim ca Ch xe, li xe v PJICO trong vic giao kt hp ng. 1.2 Hp ng bo him : L vn bn tho thun gia Ch xe v PJICO, theo Ch xe phi ng ph bo him, PJICO phi tr tin bo him khi c cc s kin bo him xy ra trong phm vi iu chnh ca quy tc ny. 1.3 Giy chng nhn bo him do PJICO cp theo yu cu bo him ca Ch xe l b phn khng th tch ri hp ng bo him; L bng chng k kt Hp ng bo him trong trng hp gia Ch xe v PJICO khng k kt hp ng bo him v c iu chnh theo Quy tc ny. 1.4 Giy yu cu bo him (theo mu ca PJICO) Ch xe yu cu bo him v thit lp hp ng bo him l mt b phn cu thnh v khng tch ri ca Hp ng bo him. Khi yu cu bo him, Ch xe phi k khai y v trung thc nhng ni dung trong Giy yu cu bo him. 1.5 Cc sa i b sung, cc tho thun khc c lp thnh vn bn gia Ch xe v PJICO cng l mt b phn ca Hp ng bo him trong qu trnh thc hin hp ng gia PJICO v Ch xe. iu 2: Hiu lc bo him Thi hn bo him bt u v kt thc c ghi trn Giy chng nhn bo him. Trch nhim bo him ch pht sinh khi Ch xe ng ph bo him (tr trng hp c tho thun khc trong Hp ng bo him hoc bng vn bn).

Trng hp Ch xe khng ng ng, ph bo him theo quy nh c tho thun trong Hp ng bo him hoc giy chng nhn bo him m khng thng bo v c PJICO chp nhn bng vn bn th hp ng bo him mc nhin chm dt hiu lc. Khi Ch xe tip tc ng ph bo him th hp ng bo him c hiu lc tip k t ngy ng ph. iu 3: Ph bo him v mc trch nhim bo him Ph bo him, S tin bo him, Mc trch nhim bo him c tho thun p dng theo biu ph ca PJICO ban hnh i vi cc loi hnh bo him ng k vi B Ti chnh v c ghi trn Giy chng nhn bo him. iu 4: Chuyn quyn s hu Trong thi hn cn hiu lc ghi trn Giy chng nhn bo him, nu c s chuyn quyn s hu xe m Ch xe khng c yu cu chm dt hp ng th quyn li bo him lin quan n chic xe c bo him vn cn hiu lc i vi Ch xe mi. Trng hp Ch xe c khng chuyn quyn li bo him cho Ch xe mi v c yu cu chm dt hp ng th PJICO s hon ph cho Ch xe c theo quy nh ti iu 5 di y. iu 5: Chm dt hp ng bo him Trong thi hn bo him, mt trong hai bn c quyn chm dt Hp ng bo him bng cch thng bo bng vn bn cho bn kia trc 15 ngy. Trong vng 15 ngy k t ngy nhn c thng bo chm dt Hp ng bo him, nu bn nhn c thng bo khng c kin g th Hp ng bo him mc nhin c chm dt: 1. Trng hp Ch xe yu cu chm dt hp ng: 1.1. PJICO s hon li cho Ch xe 70% ph bo him ca thi gian cn li k t ngy chm dt hp ng bo him, tr trng hp trong thi hn Hp ng bo him ang c hiu lc xy ra s kin bo him lin quan n chic xe yu cu chm dt Hp ng bo him v c PJICO chp nhn tr tin bi thng. 1.2. Trng hp Ch xe khng ng ph bo him hoc khng ng ph bo him theo thi hn tho thun trong Hp ng bo him th khi yu cu chm dt hp ng Ch xe vn phi ng ph bo him n thi im chm dt Hp ng bo him theo biu ph quy nh ca PJICO (khng p dng i vi chng III). 2. Trng hp PJICO yu cu chm dt Hp ng bo him th PJICO s hon li ton b s ph bo him ca thi gian cn li trong hp ng cho Ch xe. iu 6: Trch nhim ca Ch xe, li xe 1. Khi yu cu bo him, Ch xe (hoc ngi i din ca mnh) phi k khai y v trung thc nhng ni dung trong Giy yu cu bo him. 2. ng ph bo him y theo thi hn v phng thc theo tho thun trong Hp ng bo him. 3. Khi tai nn xy ra, Ch xe, li xe c trch nhim:

3.1. Tch cc cu cha, hn ch thit hi v ngi v ti sn, bo v hin trng tai nn, ng thi phi bo ngay cho c quan Cng an, PJICO ni gn nht phi hp gii quyt hu qu tai nn. 3.2. Thng bo bng vn bn cho PJICO trong vng 05 ngy k t ngy xy ra tai nn (tr khi c l do chnh ng). Trng hp xe b mt, b cp th Ch xe (hoc li xe) phi bo ngay cho c quan Cng an hoc chnh quyn a phng ni xy ra s vic v trong vng 24 gi phi thng bo bng vn bn cho PJICO. 3.3. Khng c di chuyn khi hin trng tai nn. Khng c tho d hoc sa cha ti sn khi cha c kin ca PJICO (PJICO cha gim nh xc nh thit hi thc t hoc gim nh nhng cha thng nht phng n sa cha hp l), tr trng hp lm nh vy l cn thit m bo an ton, phng hn ch thit hi cho ngi v ti sn hoc phi thi hnh theo yu cu ca c quan chc nng c thm quyn; 3.4. Chuyn quyn yu cu bi thng lin quan n trch nhim ngi th ba (khng p dng chng III) Trng hp tn tht xy ra do mt phn hoc ton b li ca Bn th ba gy ra th Ch xe phi bo lu quyn khiu ni v chuyn quyn i bi thng cho PJICO trong phm vi s tin c PJICO bi thng km theo ton b h s, chng t cn thit c lin quan. 4. Ch xe, Li xe phi trung thc trong vic thu thp v cung cp cc thng tin tai nn, cc ti liu, chng t trong h s yu cu bi thng v to iu kin thun li cho PJICO trong qu trnh xc minh tnh chn thc cc ti liu chng t . 5. Trng hp Ch xe c thay i mc ch s dng xe, trong vng 15 ngy trc khi thay i Ch xe phi thng bo bng vn bn cho PJICO bit iu chnh ph bo him cho ph hp theo quy nh ti biu ph bo him. Nu Ch xe, li xe khng thc hin y cc trch nhim quy nh trn y th PJICO c quyn t chi mt phn hoc ton b s tin bi thng tng ng vi thit hi do li ca Ch xe gy ra. iu 7: Trch nhim ca PJICO 1. Gii thch cho Ch xe v cc iu kin, iu khon bo him; quyn li v trch nhim ca Ch xe khi tham gia bo him. 2. Tr tin bi thng bo him trong vng 15 ngy k t khi nhn c h s yu cu bi thng y , hp l v khng ko di qu 30 ngy trong trng hp phi tin hnh xc minh h s. Trong trng hp PJICO khng thm quyn xc minh h s th trong vng 15 ngy k t khi c kt lun chnh thc ca c quan chc nng c thm quyn v ni dung cn xc minh ca v tai nn, PJICO s tr tin bi thng theo phm vi trch nhim bo him. Hnh thc thanh ton tin bi thng PJICO s tun th theo quy nh php lut hin hnh. 3. Gii thch cho Ch xe bng vn bn l do t chi bi thng. 4. Phi hp cht ch vi Ch xe v c quan chc nng gii quyt tai nn.

5. i vi nhng v tai nn nghim trng, PJICO s phi hp gii quyt ngay t ban u v khi xc nh trch nhim thuc phm vi bo him c th tm ng mt phn nhng chi ph cn thit nhm khc phc hu qu tai nn. iu 8: Gim nh tai nn 1. Khi xy ra s kin bo him, mi tn tht v ti sn (nh xe, hng ho, ti sn khc) u c PJICO hoc ngi c PJICO u quyn tin hnh gim nh trc tip vi s c mt ca Ch xe, li xe hoc ngi i din hp php ca Ch xe nhm xc nh nguyn nhn v mc tn tht. Chi ph gim nh tn tht do PJICO chu. 2. Trng hp PJICO v Ch xe khng thng nht c v nguyn nhn v mc tn tht th s trng cu gim nh vin c lp tin hnh gim nh. Trng hp hai bn khng tho thun c vic trng cu gim nh vin c lp th mt trong hai bn yu cu To n ti ni xy tn tht hoc ni c tr ca Ch xe ch nh gim nh vin c lp. Kt lun ca gim nh vin c lp c gi tr bt buc i vi hai bn. 3. i vi nhng v tai nn m PJICO khng c iu kin gim nh hoc khng c bin bn tai nn ca Cng an th Ch xe, li xe phi cung cp y thng tin chi tit nguyn nhn, din bin v tai nn, mc thit hi cng cc chng t, nh chp thit hi (nu c) lm cn c xc nh bi thng. iu 9: H s yu cu bi thng H s yu cu bi thng bao gm cc giy t sau: 1. Thng bo tai nn v Giy yu cu bi thng ca Ch xe c gii (theo mu do PJICO cung cp). 2. Bn sao c xc nhn ca c quan c thm quyn hoc ca nhn vin PJICO cc giy t sau: - Giy chng nhn bo him. - Giy php li xe hp l ca ngi iu khin xe ang hot ng b tai nn (i vi loi xe c gii bt buc phi c Giy php li xe); Bng hoc chng ch iu khin xe my chuyn dng (i vi ngi iu khin xe my chuyn dng). - Giy chng nhn ng k xe. - Giy chng nhn kim nh an ton k thut v bo v mi trng hp l. 3. Bn sao kt lun iu tra tai nn ca Cng an hoc bn sao b h s tai nn (c xc nhn ca Cng an ni th l tai nn) gm: - S hin trng tai nn giao thng. - Bin bn khm nghim hin trng.

- Bin bn khm nghim xe lin quan ti tai nn giao thng. - Bin bn gii quyt tai nn giao thng. - Thng bo s b kt qu iu tra ban u v tai nn giao thng. - Bn kt lun iu tra tai nn ca c quan Cng an (nu c). Trong trng hp v vic khng c c quan Cng an giao thng tham gia th Ch xe, Li xe phi thng bo ngay cho PJICO phi hp lp h s v thu thp cc ti liu chng minh v nguyn nhn v gii quyt tai nn. 4. Bin bn ho gii (trong trng hp ho gii) 5. Bn n hoc Quyt nh c hiu lc ca To n (nu c). 6. Cc ti liu lin quan n trch nhim ca ngi th ba (nu c). 7. Bin bn gim nh thit hi (nu c). 8. Cc chng t xc nh thit hi do tai nn: 8.1 i vi thit hi v hng ho (Chng II) 8.1.1 Bn chnh hp ng vn chuyn (hoc bn sao do cn b PJICO xc nhn), phiu xut kho km theo bng k chi tit hng ho, phiu ghi trng lng, s lng hng ho, cc chng t xc nh gi tr hng ho; Bin bn gim nh thit hi hng ha, cc chng t th hin cc chi ph cn thit v hp l quy nh ti iu 15 di y. 8.1.2 Khiu ni yu cu bi thng ca Ch hng. Cc chng t th hin vic gii quyt bi thng thit hi ca ch xe i vi ch hng (i vi nhng tn tht trong v tai nn gy ra) 8.2 i vi thit hi v ngi gm: Cc chng t y t xc nh tnh trng thng tch ca nn nhn nh: Giy ra vin, S y b, Giy chng thng, bn c X quang, phim chp (nu c), Giy chng t, Giy t chng minh quyn tha k hp php (trng hp cht), Giy u quyn hp php trong trng hp u quyn. 8.3 i vi thit hi v xe, ti sn gm: Cc chng t xc nh thit hi: Bin bn gim nh thit hi; B chng t sa cha, thay th ph tng; Cc chng t xc nh gi tr ti sn (nu cn); Cc chng t hp l xc nh chi ph hp l: thu bo v, cu ko xe, sa cha khc phc, ch xe tai nn Trng hp mt xe: n trnh bo mt, b cp xe ca li xe hoc Ch xe c xc nhn ca c quan chc nng c thm quyn; Bn sao: Quyt nh khi t iu tra, Quyt nh nh ch iu tra hoc Quyt nh tm nh ch iu tra v n ca c quan chc nng, Kt lun iu tra (nu c) iu 10: Nhng im loi tr trch nhim bo him chung (khng p dng i vi Chng III) PJICO khng chu trch nhim bi thng thit hi trong cc trng hp sau y:

1. Hnh ng c gy thit hi ca Ch xe, li xe hoc ca ngi b thit hi; Ch xe, li xe tham gia nh nhau gy thit hi (tr khi c xc nhn l hnh ng phng v chnh ng). 2. Xe khng c Giy chng nhn kim nh an ton k thut v bo v mi trng hoc c nhng khng hp l (p dng cho cc xe ang tham gia giao thng v tr khi c tha thun khc). 3. Li xe khng c Giy php li xe, bng hoc chng ch iu khin xe my chuyn dng khi iu khin phng tin (i vi loi xe c gii bt buc phi c Giy php li xe, bng hoc chng ch iu khin xe my chuyn dng) hoc c nhng khng hp l; hoc b c quan chc nng tc. 4. Tai nn xy ra m nguyn nhn trc tip l do li xe c s dng ru, bia hoc cc cht ma ty, cc cht kch thch khc php lut cm s dng. 5. Vn chuyn tri php hng nguy him. 6. Xe s dng ua th thao, ua xe tri php, chy th sau khi sa cha (tr khi c tho thun khc). 7. Xe i vo ng cm, khu vc cm, vt n hoc khng chp hnh theo hiu lnh ca ngi iu khin giao thng, xe i m khng c n chiu sng theo quy nh. 8. Thit hi mang tnh cht hu qu gin tip nh: Gim gi tr thng mi, thit hi gn lin vi vic s dng v khai thc ti sn b thit hi; nhng thit hi mang yu t tinh thn. 9. Thit hi i vi ti sn c bit bao gm: vng bc, qu, tin, cc loi giy t c gi tr nh tin, c, tranh nh qu him, thi hi, hi ct, cht phng x (tr khi c tha thun khc). 10. Tai nn xy ra ngoi lnh th nc Cng ho x hi ch ngha Vit Nam (tr khi c tho thun khc). 11. Khng b, chin tranh v cc nguyn nhn tng t nh chin tranh nh: ni chin, bo ng, nh cng. iu 11: Thi hn yu cu, khiu ni bi thng v gii quyt tranh chp 1. Thi hn yu cu bi thng ca Ch xe c gii theo hp ng bo him l 01 nm k t ngy xy ra s kin bo him, tr trng hp chm tr do nguyn nhn khch quan v bt kh khng theo quy nh ca php lut. 2. Thi hn khiu ni v quyt nh bi thng ca PJICO l 90 ngy k t ngy Ch xe nhn c thng bo bi thng ca PJICO. Qu thi hn nu trn PJICO s khng gii quyt khiu ni.

3. Thi hiu khi kin v vic bi thng bo him ca PJICO: 03 nm k t ngy PJICO thanh ton bi thng hoc t chi bi thng hoc nhn c thng bo gii quyt bi thng ca PJICO. Qu thi hn trn mi khiu ni u khng c gi tr. 4. Mi tranh chp pht sinh t Hp ng bo him s c gii quyt bng thng lng ho gii hoc theo quyt nh ca To n nc Cng ho x hi ch ngha Vit Nam. iu 12 : T chi mt phn hoc ton b s tin bi thng (khng p dng chng III) Trng hp Ch xe, Li xe khng thc hin y cc trch nhim quy nh ti iu 6; Vi phm Quy tc bo him; Hoc vi phm cc li khi tham gia giao thng, PJICO s t chi mt phn hoc ton b s tin bi thng tng ng vi thit hi do li ca Ch xe, Li xe gy ra nh sau: 1. T chi t 10% n 20% s tin bi thng trong trng hp Ch xe, Li xe khng thc hin cc trch nhim quy nh ti cc im 3.1, 3.2, v im 5 ca iu 6. 2. T chi bi thng t 25% n 30% i vi cc trng hp tai nn m c nguyn nhn l: - Li xe c s dng ru, bia, cc cht ma ty v cc cht kch thch khc php lut cm s dng khi tham gia giao thng gy ra tai nn nhng vic s dng (cc cht nu trn) ny khng phi l nguyn nhn trc tip gy ra tai nn. - Li xe ng gt trong qu trnh iu khin phng tin gy tai nn - Li xe iu khin xe chy vt qu 60% tc cho php. - Vi phm im 3.3 ca iu 6. - Xe khng dng ch ngi (Xe ti, xe chuyn dng) m ch qu s ngi quy nh tr trng hp dng ch ngi cp cu hoc theo yu cu ca c quan chc nng. Tng mc t chi ti im 1 v 2 nu trn ti a khng vt qu 50% s tin bi thng. 3.T chi bi thng t 30% n 50% i vi nhng thit hi khng do tai nn trc tip gy ra (Do li ch quan, bt cn ca Ch xe, li xe c gii khng kim tra tnh trng k thut ca xe trc v trong khi tham gia giao thng/hoc khng kim tra li i vi s c va xy ra trc m nguyn nhn ca vic ch quan bt cn ny gy ra cc thit hi cho cc b phn khc ca xe). 4. T chi t 50% n 100% s tin bi thng trong cc trng hp: - Ch xe khng to iu kin v chuyn quyn i bi thng ngi th ba cho PJICO; T ng thng lng bi thng vi ngi th ba khng theo hng dn ca PJICO; Vi phm im 4 ti iu 6. 5. Trng hp xe ch qu kh, qu ti, qu s ngi quy nh (theo giy chng nhn kim nh) PJICO p dng t chi bi thng theo t l qu kh, qu ti, qu s ngi quy nh. Trng hp t l qu kh, qu ti v qu s lng ngi vt qu 50% quy nh (theo giy chng nhn kim nh) PJICO t chi ton b s tin bi thng.

iu 13: iu khon bo him tho thun b sung Nhng yu cu bo him khc ca Ch xe ngoi quy nh t chng I ti chng IV Quy tc bo him ny c th c chp nhn bo him theo cc iu khon bo him b sung ti ph lc ca quy tc ny bng vn bn tho thun gia PJICO v Ch xe. iu 14: Bo him trng (khng p dng chng III) Trong trng hp ti thi im xy ra s kin bo him, chic xe c bo him theo nhiu Hp ng bo him (hoc Giy chng nhn bo him) khc nhau th trch nhim ca mi Hp ng bo him (hoc Giy chng nhn bo him) ch gii hn theo t l gia s tin bo him hoc mc trch nhim bo him ghi trn Hp ng bo him (hoc Giy chng nhn bo him) so vi tng ca nhng s tin bo him hoc mc trch nhim bo him ghi trn tt c Hp ng bo him (hoc Giy chng nhn bo him). CHNG II BO HIM TRCH NHIM DN S CA CH XE I VI HNG HO VN CHUYN TRN XE iu 15: Phm vi bo him PJICO nhn bo him Trch nhim dn s ca Ch xe i vi hng ho trong qu trnh vn chuyn theo hp ng vn chuyn gia Ch xe v Ch hng trong phm vi lnh th nc Cng ho x hi ch ngha Vit Nam. Trong phm vi mc trch nhim bo him ghi trn Giy chng nhn bo him, PJICO s thanh ton cho Ch xe s tin m Ch xe phi bi thng theo quy nh ca B lut Dn s i vi nhng thit hi v hng ho vn chuyn trn xe cho Ch hng. Ngoi ra, PJICO cn thanh ton cho Ch xe cc chi ph cn thit v hp l nhm: - Ngn nga, gim nh tn tht cho hng ho. - Bo qun, xp d, lu kho, lu bi hng ho trong qu trnh vn chuyn do hu qu ca tai nn. Trong mi trng hp, s tin bi thng ca PJICO (bao gm c chi ph trn) khng vt qu mc trch nhim ghi trn Giy chng nhn bo him. iu 16: Hng ho c bit Cc loi hng ho sau y ch c bo him vi iu kin Ch xe c hp ng tho thun ring vi PJICO: 1. Vng, bc, qu (dng nguyn thu hoc tinh ch). 2. c, tranh ngh thut qu him. 3. Tin, cc loi n ch, ho n c gi tr nh tin. 4. Thi hi, hi ct.

5. Cht phng x. iu 17: im loi tr trch nhim bo him Ngoi nhng im loi tr, p dng t chi bi thng quy nh ti iu 10, iu 12 ca Quy tc ny, PJICO khng phi bi thng nhng thit hi v hng ho trong nhng trng hp sau: 1. Xe ch hng tri php. 2. Li xe, Ch xe hoc ngi i din ca Ch xe thiu trch nhim trong vic trng coi, bo qun hng ho. 3. Xe t khng thch hp vi loi hng ho chuyn ch. 4. Mt cp, trm cp (tr trng hp mt hng ho cng vi mt cp ton b xe). 5. H hng hng ho do b truy ui hoc b bt gi ca c quan chc nng Nh nc. 6. Hng ho h hng, hao ht t nhin do tnh cht ca hng ho, do bao b, ng gi, sp xp khng ng yu cu k thut. 7. H hng do x lch, va p ca hng ha trong qu trnh vn chuyn m khng phi do xe m, va, lt, . 8. Giao hng khng ng ngi nhn, giao hng chm tr. 9. Hng ho h hng trong qu trnh xp, d (tr khi c tho thun khc). 10.Hng ha thuc quyn s hu ca Ch xe, li xe (Tr khi c tho thun khc) 11. Hng ha b chy khng do li ca bn vn ti. Sc vt sng b m, b cht do thi tit hoc dch bnh hoc b kim dch. iu 18: Gi tr hng ho Gi tr hng ho c tnh ti thi im trc khi a hng ln xe v khng vt qu gi tr thc t trn th trng ti ni a hng ln xe vo thi im xy ra thit hi. iu 19: Mc khu tr Trong mi v khiu ni bi thng thuc trch nhim bo him, PJICO p dng mc min bi thng c khu tr l 0,5% mc trch nhim bo him v ti thiu khng thp hn 500.000 ng /v (Ch xe t chu mt phn thit hi)

CHNG III BO HIM TAI NN NGI NGI TRN XE V TAI NN LI, PH XE iu 20: i tng bo him Li xe, ph xe v nhng ngi khc c ch trn xe c gii (gi chung l Ngi c bo him). iu 21: Phm vi bo him: Tai nn ngi ngi trn xe: Thit hi v thn th do tai nn khi ang trn xe, ln xung xe trong qu trnh xe tham gia giao thng. Tai nn li, ph xe: Thit hi v thn th do tai nn lin quan trc tip n vic s dng chic xe . iu 22: im loi tr trch nhim bo him. PJICO khng phi tr tin bo him i vi nhng thit hi v thn th ca chnh Ngi c bo him trong cc trng hp sau: 1. Ngi c bo him c hnh ng c t gy tai nn. 2. Ngi c th hng bo him c gy ra tai nn (tr nhng ngi c th hng bo him khc). 3. Ngi c bo him tham gia nh nhau tr trng hp c xc nhn l hnh ng phng v chnh ng. 4. Ngi c bo him khng c Giy php li xe hp l; Hi th hoc trong mu c nng cn (ch p dng i vi li xe). 5. Ngi c bo him b cm t ngt, trng gi, bnh tt (bao gm c bnh truyn nhim), ng c thc n, ung, s dng thuc khng ng ch dn ca c quan y t hoc cc cht ma ty, cc cht kch thch khc m php lut cm s dng. 6. Tai nn ngoi lnh th nc Cng ho x hi ch ngha Vit Nam (tr khi c tho thun khc). 7. Xe s dng ua th thao, ua xe tri php. 8. Khng b, chin tranh v cc nguyn nhn tng t nh chin tranh: ni chin, bo ng, nh cng. iu 23: Quyn li ca Ngi c bo him.

1. Trng hp Ngi c bo him b cht thuc phm vi trch nhim bo him, PJICO tr ton b s tin bo him ghi trn Giy chng nhn bo him. 2. Trng hp Ngi c bo him b thng tt thn th, ty theo mc , PJICO s tr tin bo him nh sau: 2.1. Nu s tin bo him trn 50 triu ng: 2.1.1. i vi thng tt vnh vin: tr tin bo him theo t l phn trm ca S tin bo him c quy nh ti Bng t l tr tin bo him con ngi hin hnh ca PJICO. 2.1.2. i vi thng tt tm thi, tr tin bo him gm: a. Chi ph y t thc t hp l (c chng t, ho n). b. Chi ph bi dng: c tnh bng 0,1% s tin bo him cho mt ngy iu tr, ti a khng qu 180 ngy /v tai nn. Nhng tng chi ph khng vt qu t l tr tin quy nh trong Bng t l tr tin bo him con ngi hin hnh ca PJICO. 2.2. Nu s tin bo him bng hoc di 50 triu ng: PJICO tr tin bo him theo Bng t l tr tin bo him con ngi hin hnh ca PJICO. 3. Nu ti thi im xy ra tai nn, s ngi thc t trn xe ln hn s ngi c bo him ghi trn Giy chng nhn bo him th mc tr tin bo him ca PJICO s gim theo t l gia s ngi c bo him v s ngi thc t trn xe. 3.1. Trng hp tai nn thuc phm vi bo him, trong vng mt nm k t ngy xy ra tai nn, Ngi c bo him b cht do hu qu ca tai nn : PJICO s tr phn chnh lch gia s tin bo him ghi trn Giy chng nhn bo him vi s tin bo him tr trc . 3.2. Trng hp hu qu ca tai nn thuc phm vi trch nhim bo him b trm trng hn do bnh tt hoc s tn tt c sn ca Ngi c bo him hoc iu tr thng tt thn th khng kp thi v khng theo ch dn ca c s y t th PJICO ch tr tin bo him nh i vi loi thng tt tng t ngi c sc kho bnh thng c iu tr mt cch hp l. iu 24: Tr tin bo him Tin bo him c tr cho Ngi c bo him hoc ngi i din, ngi tha k hp php ca Ngi c bo him. CHNG IV BO HIM VT CHT XE C GII iu 25: Phm vi bo him 1. PJICO bi thng cho Ch xe nhng thit hi vt cht xe xy ra do: 1.1 Tai nn bt ng, ngoi s kim sot ca Ch xe, li xe trong cc trng hp: m va, lt, , ho hon, chy, n, cc vt th khc tc ng ln xe c gii.

1.2 Nhng ri ro bt kh khng do thin nhin: Bo, l, lt, st nh, ng t, ma , st l, sng thn 1.3 Mt ton b xe trong cc trng hp: xe b mt trm, xe b cp. Ngoi ra PJICO cn thanh ton nhng chi ph cn thit v hp l pht sinh do tai nn thuc phm vi bo him nhm: 2.1 Ngn nga, hn ch tn tht pht sinh thm, bo v v a xe thit hi ti ni sa cha gn nht nhng ti a khng vt qu 10% s tin bo him. 2.2 Gim nh tn tht nu thuc trch nhim ca bo him. 2 Trong mi trng hp tng s tin bi thng thc t ca PJICO (bao gm c chi ph trn) khng vt qu s tin bo him c ghi trn Giy chng nhn bo him. iu 26: im loi tr trch nhim bo him Ngoi nhng im loi tr, p dng t chi bi thng ti iu 10, iu 12 ca Quy tc bo him ny, PJICO khng phi tr tin bi thng thit hi v vt cht xe trong nhng trng hp sau: 1. Hao mn, h hng t nhin pht sinh t vic hot ng bnh thng ca chic xe gy ra. 2. H hng do khuyt tt, mt gi tr, gim dn cht lng cho d c Giy chng nhn kim nh an ton k thut v bo v mi trng. 3. H hng hoc tn tht thm do sa cha. 4. H hng v in hoc b phn my mc, thit b m khng phi do tai nn quy nh ti im 1 iu 25 trn y. 5. Tn tht i vi sm lp, bt thng xe, can, chp u trc bnh xe, chn bn, ch nhn hiu, biu tng nh sn xut tr trng hp tn tht ny xy ra do cng mt nguyn nhn v ng thi vi cc b phn khc ca xe trong cng mt v tai nn. 6. Mt cp b phn ca xe (tr khi c tha thun khc). 7. Xe sau khi sa cha trung, i tu, hoc ci to mi theo quy nh phi ng kim li m cha i dng kim li theo quy nh ca Nh Nc. 8. Tn tht ng c do xe hot ng trong vng ang b ngp nc (tr khi c tho thun khc). 9. Mc min bi thng tha thun c ghi trn giy chng nhn bo him. Mc min bi thng ny p dng sau khi thc hin cc iu khon, iu kin ca Quy tc bo him. iu 27: S tin bo him

S tin bo him l s tin m Ch xe yu cu PJICO bo him cho xe ca mnh v c ghi trn Giy chng nhn bo him. iu 28: Bi thng tn tht Trong phm vi trch nhim bo him, PJICO c th la chn hnh thc thanh ton chi ph thc t sa cha, thay th (nu khng th sa cha c) b phn b tn tht, hoc tr bng tin cho Ch xe b p tn tht trn c s xc nh c chi ph sa cha, khc phc tn tht c th phi tr. 1Bi thng tn tht b phn: 1.1. Nu xe tham gia bo him vi s tin bo him bng hoc trn gi tr thc t ca xe ti thi im tham gia bo him th PJICO bi thng ng chi ph thc t sa cha, khc phc tn tht. 1.2. Nu xe tham bo him vi s tin bo him di gi tr thc t ti thi im tham gia bo him th s tin bi thng c tnh theo thit hi thc t nhn vi t l gia s tin bo him v gi tr thc t ca xe ti thi im tham gia bo him. 1.3. Trong qu trnh sa cha xe c bo him, nu phi thay th mi b phn th s tin bi thng cho vic thay th b phn ti a khng vt qu gi tr thc t ca b phn ngay trc khi xe b tn tht (tr khi c tho thun khc). T l khu tr phn hao mn t nhin c tnh theo quy nh hin hnh ca PJICO c ng trn website: www.pjico.com.vn 1.4. PJICO bi thng ton b chi ph sn (B phn hoc sn li ton b xe) nu trn 50% din tch phi sn b h hng do tai nn gy ra theo cch tnh bi thng ti im 1.1 v 1.2 iu 28. 2. Bi thng tn tht ton b: 2.1 Xe b tn tht c xc nh thit hi trn 75 % gi tr thc t hoc khi gi tr sa cha, phc hi hp l bng hoc trn 75% gi tr thc t ca xe ti thi im ngay trc khi xy ra tn tht v khng vt qu s tin bo him. 2.2. Xe b mt cp, b cp khi c kt lun iu tra hoc quyt nh quyt nh nh ch iu tra hoc quyt nh tm nh ch iu tra v n ca c quan chc nng, PJICO s bi thng cho Ch xe ton b s tin bo him ghi trn Giy chng nhn bo him nhng khng vt qu gi tr ca chic xe cng loi, cng thng s k thut trn th trng ti thi im xc nhn chic xe b mt. iu 29: Thu hi ti sn sau bi thng Ti sn thu hi gm: cc b phn h hng c thay th, xc xe tai nn sau khi bi thng ton b, xe tm thy sau khi mt cp,b cp. Khi bi thng tn tht b phn hoc ton b xe th b phn h hng hoc ton b xe thuc quyn s hu ca PJICO; hoc PJICO s thu hi gi tr cn li ca xc xe sau khi tr i cc khon chi ph thu hi theo t l gia s tin bi thng v gi tr thc t ca xe (trng hp bo him di gi tr, bo him trng hoc c s tham gia bi thng ca bn th ba). PH LC V CC IU KHON BO HIM B SUNG

Ch xe c th la chn thm mt hay nhiu iu khon bo him b sung c tng thm quyn li bo him. iu khon bo him b sung c th hin trn giy chng nhn bo him.Tham gia thm iu khon bo him b sung,Ch xe cn k khai y ni dung yu cu vo Giy yu cu bo him PJICO lm c s tnh ph bo him v bi thng. Trn c s Ch xe yu cu v ng thm ph ph hoc ph bo him, PJICO nhn bo him b sung vo Hp ng bo him chnh cc iu khon bo him b sung ring bit nh sau: 1/- Bo him t nguyn trch nhim dn s ca Ch xe c gii (p dng mc trch nhim tng thm ngoi mc bt buc). Bo him t nguyn trch nhim dn s (tng thm ngoi mc bt buc) c p dng theo Quy tc bo him bt buc TNDS ca Ch xe c gii hin hnh do B Ti chnh quy nh m c bn l khng b s iu chnh ca Quy tc ny. Quyn li bo him : 1.1 Thit hi v ngi : a. Mc trch nhim t nguyn tng thm n 50 triu ng : S tin phn bi thng tng thm c tnh theo Bng t l tr tin bo him con ngi hin hnh ca PJICO ng ti trn website: www.pjico.com.vn b. Mc trch nhim t nguyn tng thm trn 50 triu ng : Phn tng thm trn 50 triu ng c tnh trn c s thit hi thc t hp l nhng khng vt qu ha gii hoc phn quyt ca Ta n khi Ch xe hoc s phi bi thng cho ngi b hi trn 100 triu ng. 1.2 Thit hi v ti sn : Bi thng trn c s thit hi thc t v mc li ca Ch xe, li xe. 1.3 Trng hp bo him theo nhiu hp ng vic bi thng ngoi c tnh theo quy nh trong Quy tc bo him bt buc TNDS ca Ch xe c gii hin hnh do B Ti chnh quy nh cn p dng theo iu 14 ca Quy tc ny. 2/- Bo him vt cht xe c gii ngoi lnh th Vit Nam. (M s 001) iu khon bo him b sung 001 phi tun theo cc iu khon, iu kin v cc im loi tr trong quy nh ca Quy tc bo him kt hp xe t do PJICO ban hnh. iu kin tham xe gia bo him phi ng thi: C bo him vt cht ti PJICO cn thi hn; C giy php lu thng qua cc nc tng ng (Trung Quc, Lo, Campuchia, Thi Lan) vi yu cu bo him; Cha xy ra s kin bo him i vi ri ro bo him b sung; Thi hn bo him b sung khng vt qu thi hn bo him vt cht ang hiu lc. Cc chng t, bin bn tai nn lin quan phi c sao dch hp php lm cn c gii quyt bi thng. Quyn li bo him : Xe c gii quyt bi thng khi b tai nn trong phm vi cc nc : Trung Quc, Lo, Campuchia, Thi Lan. Loi tr : Mt ton b xe ngoi lnh th Vit Nam. 3/- Bo him vt cht xe c gii lu hnh tm thi (M s 002)

iu khon bo him b sung 002 phi tun theo cc iu khon, iu kin v cc im loi tr trong quy nh ca Quy tc bo him kt hp xe t do PJICO ban hnh. iu kin Xe tham gia bo him: p dng cho xe mi xut xng v xe nhp khu t kho, cng hoc trong qu trnh xe i t ni bn n ni ng k, ng kim, np thu trc b (thi hn bo him khng qu 15 ngy). Quyn li bo him: Trong thi hn bo him PJICO s tr tin bi thng cho Ch xe cc tn tht, thit hi trc tip i vi xe lu hnh trong thi gian t xng sn xut hoc t ni bn n ni giao nhn xe, hoc t kho Hi quan n ni giao nhn xe, hoc t ni bn n ni lm cc th tc np thu trc b, ng k xe, ng kim. Giy chng nhn bo him c ghi theo s khung v s my ca xe. Loi tr: Tn tht do li k thut ca Nh sn xut. 4/- Bo him mt cp b phn (M s 003) iu khon bo him b sung 003 phi tun theo cc iu khon, iu kin v cc im loi tr trong quy nh ca Quy tc bo him kt hp xe t do PJICO ban hnh iu kin Xe tham gia bo him phi ng thi: C bo him vt cht ti PJICO cn thi hn; Cha xy ra s kin bo him i vi ri ro bo him b sung; Thi hn bo him b sung khng vt qu thi hn bo him vt cht ang hiu lc. Quyn li bo him: PJICO s tr tin bi thng cho Ch xe cc chi ph thay th thc t cc b phn b mt cp b phn ca xe theo cc iu kin sau: - 01 ln cho mi b phn i vi cc hp ng bo him c thi hn n 1 nm - 02 ln cho mi b phn i vi cc hp ng bo him c thi hn ln hn 1 nm Mc min bi thng ti thiu: 2.000.000 ng 5/- Bo him thu xe trong thi gian sa cha (M s 004) iu khon bo him b sung 004 phi tun theo cc iu khon, iu kin v cc im loi tr trong quy nh ca Quy tc bo him kt hp xe t do PJICO ban hnh iu kin xe tham gia bo him phi ng thi: C bo him Vt cht ti PJICO cn thi hn; Cha xy ra s kin bo him; Thi hn bo him b sung khng vt qu thi hn bo him vt cht ang hiu lc. Quyn li bo him: PJICO s thanh ton chi ph thu xe Ch xe s dng trong thi gian xe sa cha (tnh c thi gian do c quan chc nng gi) do tai nn thuc phm vi trch nhim bo him, theo mc trch nhim m ch xe yu cu -c ghi trn Hp ng bo him. Thi gian thanh ton chi ph thu xe ti a khng qu 30 ngy/nm bo him. Mc min thng: Chi ph thu xe 04 ngy (Thi im tnh tr tin thu xe l sau 4 ngy k t ngy xy ra tai nn tnh c thi gian b c quan chc nng thu gi).

6/- Bo him cho cc ph tng, thit b lp thm ngoi thit k ca Nh sn xut (M s 005) iu khon bo him b sung 005 phi tun theo cc iu khon, iu kin v cc im loi tr trong quy nh ca Quy tc bo him kt hp xe t do PJICO ban hnh iu kin xe tham gia bo him phi ng thi: C bo him vt cht ti PJICO cn thi hn; Cha xy ra s kin bo him i vi ri ro bo him b sung; Thi hn bo him b sung khng vt qu thi hn bo him vt cht ang hiu lc; Ch xe phi khai bo chng loi v gi tr ca cc ph tng, thit b lp thm. Quyn li bo him: PJICO s tr ton b chi ph sa cha hay gi tr thay th thc t i vi cc ph tng, thit b lp thm ny khi c thit hi trong phm vi trch nhim bo him. Loi tr: Li k thut ca chnh cc ph tng, thit b lp thm; Tn tht do li khi lp gip. 7/- Bo him thay th mi (M s 006) iu khon bo him b sung 006 phi tun theo cc iu khon, iu kin v cc im loi tr trong quy nh ca Quy tc bo him kt hp xe t do PJICO ban hnh iu kin xe tham gia bo him phi ng thi: C bo him vt cht ti PJICO cn thi hn; C thi gian s dng di 15 nm k t nm sn xut; Cha xy ra s kin bo him i vi ri ro bo him b sung; Thi hn bo him b sung khng vt qu thi hn bo him vt cht ang hiu lc. Quyn li bo him: PJICO s tr tin bi thng ton b gi tr thc t ca cc b phn b h hng cn phi thay th thuc phm vi bo him m khng tr phn hao mn (khu hao) s dng. 8/- Bo him t chn c s sa cha (M s 007) iu khon bo him b sung 007 phi tun theo cc iu khon, iu kin v cc im loi tr trong quy nh ca Quy tc bo him kt hp xe t do PJICO ban hnh iu kin xe tham gia bo him phi ng thi: C bo him vt cht ti PJICO cn thi hn; C thi gian s dng di 05 nm k t nm sn xut; Cha xy ra s kin bo him; Thi hn bo him b sung khng vt qu thi hn bo him vt cht ang hiu lc. Quyn li bo him: PJICO ng chp nhn c s sa cha (Garage) m ch xe la chn trc thi im k kt hp ng bo him. 9/- Bo him thit hi v ng c do xe hot ng trong vng b ngp nc (M s 008) iu khon bo him b sung 008 phi tun theo cc iu khon, iu kin v cc im loi tr trong quy nh ca Quy tc bo him kt hp xe t do PJICO ban hnh iu kin xe tham gia bo him phi ng thi: C bo him vt cht ti PJICO cn thi hn; Cha xy ra s kin bo him i vi ri ro bo him b sung; Thi hn bo him b sung khng vt qu thi hn bo him vt cht ang hiu lc.

Quyn li bo him: PJICO s tr tin bi thng chi ph sa cha, thay th nhng thit hi thc t ca ng c do vic xe hot ng trong vng ang b ngp nc gy ra. Trong trng hp i vi cc loi xe do nh sn xut ch cung cp ton b tng thnh my khng cung cp ring cc b phn, chi tit n l thuc tng thnh my: Khi c cc tn tht v ng c do nguyn nhn nu trn gy ra, PJICO chp nhn gii quyt bi thng c khu tr 10% s tin bi thng cho ton b tng thnh my phi thay th trn c s nh sn xut c xc nhn v chnh sch bn hng ca mnh ti Vit Nam 10/- Bo him hng ho trn xe cng ch (M s 009) iu khon bo him b sung 009 phi tun theo cc iu khon, iu kin v cc im loi tr trong quy nh ca Quy tc bo him kt hp xe t do PJICO ban hnh iu kin tham gia bo him: p dng cho xe ch hng Quyn li bo him: PJICO s tr tin bi thng trong phm vi trch nhim bo him i vi nhng thit hi v hng ho c ch trn xe do Li xe gy ra k c trng hp Ch xe ng thi l Ch hng. (Trng hp Ch xe l Li xe ng thi cng l Ch hng th khng thuc phm vi bo him ca iu khon ny). 11/- iu khon tha thun b sung khc Ngoi cc iu khon b sung trn, tt c cc yu cu bo him khc Ch xe v PJICO c th tha thun bo him b sung bng vn bn theo cc iu khon bo him ring, trn c s chp thun ca PJICO.