The contract signed by the non-insured person is invalid, and the insurance company has the right not to bear the insurance liability. Because the signing of an insurance contract must be signed by the applicant and the insured himself, if the insured is a minor and the beneficiary is the guardian of the insured, the insured can sign it on his behalf, but the applicant cannot.

If the beneficiary confirms that the applicant has signed the insurance and the applicant agrees to purchase the insurance, he can apply to the insurance company for change of signature. Specific operation, he needs to contact the salesman and ask him to contact the company for help.

Extended data:

Relevant legal effect:

1. The insurer is not responsible for any accident before the insurance premium is paid.

This special agreement is an exemption clause. Before the insured pays the premium, the insurance contract has been established and is legal and effective, and the accidents that occurred before the premium payment fall within the scope of compensation agreed in the insurance contract. However, due to the above provisions, the insurance company enjoys the exemption, and the insurance company can refuse to pay compensation with this exemption.

Moreover, the insurance company can continue to claim the insurance premium from the insured according to the agreement of the valid insurance contract. After the insured pays the premium, the insurance company shall be liable for the insurance accident that occurs during the insurance period. It should be noted that the above exemption clause should be made clear to the insured, otherwise it will have no legal effect.

The insurance policy will not take effect until the insurance premium is paid.

This special agreement is a conditional clause. Before the insurance premium was paid, the insurance policy was established, but it did not take effect. In other words, the insurance policy will take effect only if the insured pays the insurance premium, and the condition for the insurance policy to take effect is that the insured pays the insurance premium to the insurance company.

The insurance company is not responsible for the accident before the insurance premium is paid, because the insurance policy is not effective. Of course, insurance companies can't claim insurance money from policyholders whose insurance contracts are invalid.

The insurance policy is invalid before the insurance premium is paid.

This special agreement is the result of the wrong expression of the will of the parties. Whether the insurance policy is invalid depends only on whether the contents agreed in the insurance policy violate the mandatory provisions of laws and administrative regulations. If yes, the insurance policy is invalid, otherwise, the insurance policy will not have invalid legal consequences.

In other words, the invalidity of the insurance policy is not agreed by the parties, but can only be judged according to the corresponding laws and administrative regulations. In practice, we should explain the true meaning of the parties according to the specific circumstances of the case. The real intention of the parties is that the insurance policy will not take effect before the insurance premium is paid, and the real intention of the parties is the insurance contract terms with effective conditions.

The insured shall pay the insurance premium within five days from the date of insurance.

This special agreement is the termination clause of the contract, and the insurance contract shall take effect when the insurance company issues the insurance policy. If the applicant fails to pay the insurance premium within five days from the date of insurance (the date of issuance of the insurance policy), the insurance contract is still valid, and if an insurance accident occurs during this period, the insurance company will still be liable for compensation.

However, if the insured fails to pay the insurance premium from the sixth day of insurance, the validity of the insurance contract will be terminated, and the insurance company will not be responsible for the insured accidents during this period, nor will it have the right to claim the insurance premium from the insured.

Baidu encyclopedia-insurance policy