The insurance contract is signed in the form of an insurance policy and an insurance certificate. The attachments stipulated in the contract, as well as the documents, telegrams and charts concerning modifications to the contract agreed upon by the parties, are also integral parts of the contract. The insurance contract is a formal contract, but the insurance policy is only the written proof of the insurance contract and is not a requirement for the establishment of the insurance contract. Usually, an insurance contract consists of an application form, an insurance policy (or a temporary policy, an insurance certificate) and other relevant documents and attachments. Among them, the insurance policy, temporary insurance policy, insurance policy and insurance certificate are the most important. The application form, also known as the insurance offer, is a written offer submitted by the policy holder to the insurer. The application form becomes an integral part of the insurance contract upon acceptance by the insurer. The application form is generally printed in advance by the insurer in a uniform format. The matters that the policy holder should fill in on the application form generally include: ① The name of the policy holder (or name of the company) and address ② The name and existence of the insured subject matter Location, ③ insurance type: ④ insurance value or determination method and insurance amount ⑥ insurance date and signature, etc. In insurance practice, for some types of insurance, the insurance company simplifies the procedures to facilitate insurance. The policy holder does not need to fill in the application form, but only makes an offer verbally and provides relevant documents or certificates. The insurance company can immediately issue the insurance policy or insurance certificate. At this time, , the insurance contract is established. The policy holder should fill in the information truthfully according to the requirements of the insurance policy. If any incorrect filling is made and no modifications are made to the insurance policy, the insurer may terminate the insurance contract accordingly. A temporary insurance policy is a temporary insurance certificate issued by the insurer before issuing a formal insurance policy. The temporary insurance policy states the main contents of the insurance contract, such as the name of the insured, subject of insurance, scope of insurance liability, insurance amount, insurance rate, insurance liability start and end time, etc. Before the formal insurance policy is drawn up and delivered, the temporary policy will have the same effect as the insurance policy. After the formal insurance policy is issued, its contents will be merged into the insurance policy, and the temporary policy will lose its validity. If the insured accident has occurred before the insurance policy is issued, matters not specified in the temporary policy shall be subject to the contents of an insurance policy agreed upon by the parties in advance. There are roughly three situations in which temporary insurance policies are used: One is the temporary insurance policy issued by an insurance agent or insurance broker. Before an insurance agent obtains insurance business and has not completed the insurance policy with the insurer, he may issue a temporary insurance policy as evidence of the insurance contract. After the insurance broker and the insurer have reached an agreement on the main contents of the insurance contract through negotiation, they may also issue a temporary insurance policy to the policy holder. However, this temporary insurance policy is not binding on the insurer. If the insurance broker is injured due to the fault of the insurance broker, If the insurer suffers damage, the insured has the right to request compensation from the insurance broker. The second is a temporary insurance policy issued by an insurance company's branch for certain businesses that require the approval of the head office after underwriting but before the head office approves the business. Third, the parties to the insurance contract have reached an agreement on the main terms of the contract when entering into the insurance contract, but some conditions require further negotiation or the insurer needs to further weigh the insured risks or the formal insurance policy needs to be processed uniformly by a computer, while the policy holder There is an urgent need for insurance certificates, etc. In this case, the insurer will issue a temporary insurance policy as evidence of the insurance contract before the insurance policy is completed and delivered. The insurance policy, referred to as the policy, is the formal written certificate of the insurance contract issued by the insurer to the policyholder after the insurance contract is established. It is the legal form of the insurance contract. The insurance policy should spell out all the contents of the insurance contract in detail. Although various types of insurance contracts differ in the subject matter of insurance and dangerous accidents, so the specific content of the insurance policies and the length, complexity and simplicity of the insurance policies are also different, they are consistent in clarifying the rights and obligations of the parties. An insurance policy is not the same as an insurance contract, but is only the formal evidence of an insurance contract entered into by the parties to the contract through oral or written agreement. As long as both parties to the insurance contract express the same intention, the insurance contract will be established. Even if the insured accident occurs before the insurance policy is issued, the insurer should still bear the obligation to pay insurance benefits. If both parties to the insurance fail to reach an agreement, the insurance contract cannot be established even if the insurance policy has been issued. However, in insurance practice, insurance policies and insurance contracts are interchangeable. The creation and delivery of an insurance policy is the final procedure for completing an insurance contract. Once the insurance policy is issued by the insurer, all matters previously agreed upon by the parties and the contents of the temporary policy will be incorporated into it. Unless there is fraud or other illegal matters, the contents of the insurance contract will be What is stated in the insurance policy shall prevail. After the policy holder accepts the insurance policy, it is presumed that he or she has fully agreed to the content contained in the insurance policy. In addition to serving as supporting documents for insurance contracts, in property insurance, under certain forms and conditions, insurance policies have the effect of being similar to "securities" and can be made into instructions or bearer forms and transferred together with the subject matter insured. In personal insurance, the policy holder can also use the insurance policy to offset the loan. 4. Insurance certificate The insurance certificate is a proof of the insurance contract. It is actually a simplified insurance policy, so it is also called a small insurance policy. Insurance certificates and insurance policies have the same legal effect. For matters not listed in the insurance certificate, the contents contained in the formal insurance policy of the same type shall prevail. If there is a conflict between the contents of the formal insurance policy and the insurance certificate or the insurance certificate has special terms, the insurance certificate shall prevail. allow. Insurance certificates are commonly used in China's domestic cargo transportation insurance. In addition, insurance certificates can also be used for automobile insurance. Endorsement, also called endorsement, is a document used by both parties to negotiate to modify and change the contents of the insurance policy. It is also the most commonly used written document when changing insurance contracts.

An endorsement is actually an annotation that modifies, supplements, adds or deletes content to a signed insurance contract, and is generally issued by the insurer. 6. Other written forms.