Unqualified subject qualification means that the relevant qualifications of insurer, applicant, insured, beneficiary or insurance agent do not meet the provisions of relevant laws and regulations. For example, the applicant is a natural person with limited capacity for civil conduct who has no capacity for civil conduct or cannot independently conduct contracting activities according to law; If the insurer does not meet the statutory requirements, it will not be established according to law; An insurance agent does not have the qualification or right of insurance agency. If the above-mentioned subjects conclude an insurance contract, the contract is invalid.

2. The intention of the parties is untrue.

In the process of concluding an insurance contract, if one party makes the other party make a declaration of will against his will by means of fraud, coercion or taking advantage of the danger of others, it constitutes that the declaration of will in the contract is untrue. Fraud here refers to the behavior that the actor fails to fulfill the obligation of telling the truth, deliberately conceals the true situation or deliberately tells the false situation, and induces him to make a wrong expression of his will to the Lord. For example, when concluding an insurance contract, the applicant lied that there was a risk knowing that there was no risk, but lied that it did not happen knowing that the risk had occurred. Coercion refers to the behavior that one party forces the other party to conclude an insurance contract with himself by threatening to cause damage to the person, property, reputation and honor of the other party or people related to the other party. Threat is to determine the possible behavior, which is enough to make the other party enter into an insurance contract against their will.

3. The subject matter of the contract is illegal.

If the applicant and the insured have no insurable interest in the subject matter insured, the insurance contract concluded by them is invalid.

4. The contents of the contract are illegal.

If the risks insured by the applicant are illegal, such as violating the relevant interests of the state and society and the mandatory provisions of the law, the contract is invalid.