Motor Vehicle Insurance Manual for Carrefour China
家乐福中国机动车辆保险手册
Organizations Affected :Carrefour China Headoffice & All Stores
实施范围： 家乐福中国总部及所有门店
Periodic Compliance Checking : Carrefour China Finance and Assets Department
定期执行检查：家乐福中国财务部和资产部
Procedure Organized By: Finance/Procedure, Accounting and Aon-COFCO
Version: 2010V.1 版本：2010V.1
实施程序组织人：财务部程序及会计部与中怡保险经纪有限责任公司
Drafted By: Aon-COFCO and Carrefour China Finance
起草人：中怡保险经纪有限责任公司与家乐福中国财务
Approved By: Financial Director of Carrefour China
核准人：家乐福中国财务总监
Approve Date: 15th Sep, 2010
批准日期：2010年9月15日
Effective Date: 19th Sep, 2010
生效日: 2010年9月19日
CONTENTS
目录
1. Objective Page 3
目的
Application Scope Page 3
适用范围
Insurer Page 3
保险公司
Liability of Insurer Page 3
保险公司的责任
Premium Page 4
保险费用
Who is in charge of the Insurance in Carrefour Page 4
在家乐福内部，谁负责车辆保险工作
Placement/Renewal Procedure Page 5
投保/续保程序
Claim Handling Telephone Number / Procedure Page 6
索赔电话和程序
Daily Contact Page 7
日常联络人
Appendix1 (Renewal Confirmation Slip) Page 7
附件1 (续保确认单)
11. Appendix2 (Chart of Place/Renew/Pay Procedure)Page 9
附件2 (投保/续保/支付保费程序图)
12. Appendix3 (Chart of Claim Channel) Page 10
附件3 (索赔渠道图)

1. Objective
This manual is documented to introduce and explain the new Motor Vehicle Insurance Program tailored made for Carrefour China to all Stores and offices including placement and claim handling procedures, to ensure that each store has a clear and specific idea of the Motor Insurance so as to achieve the target of centralized control and management of all motor vehicle insurance under one unified program.
2. Application Scope
This manual applies to all motor vehicles including cars and trucks owned by registered Carrefour representative offices and/or Carrefour subsidiary companies and companies and organizations for which Carrefour has management control and joint ventures, as now or hereafter constituted, formed or acquired for their respective rights and interests within the People’s Republic of China
3. Insurer
China Pacific Property InsuranceCo. Ltd. (CPIC)
for Shanghai vehicles: CPIC Shanghai Branch
for other places: all renewal vehicles shall be placed with CPIC Shanghai Branch; new vehicles purchased shall be placed with local CPIC Branch due to local limitation of car plate application.
4. Liability of Insurer
Basic Cover
a. Physical Damage
b. Third Party Liability (Limit:RMB500,000)
2 Extensions:
a. Burglary and robbery of whole vehicle
b. On Board Liability (Driver and Passengers, RMB50,000/person)
c. Breakage of Glass Cover
d. Free of Deductible for Basic Cover
3 Period of Insurance
Usually the policy is issued on a yearly basis unless some special cases.
4Territorial Limit
Within P.R. China excluding HongKong, Macau & Taiwan
5. Premium
The premium of each vehicle is generated by the
IT system of CPIC and the rates of third party liability cover for Shanghai vehicles will fluctuate depending on the record in the information platform connected with the Shanghai traffic bureau. The unified discount for Shanghai vehicles is 30% off and for other places is 20% off.
6. Who is in charge of the Insurance in Carrefour
China (Coordination): Mr. Ruben Duan of Finance Division
[Main function : National insurance policy negotiation, premium payment through CPC, service quality monitoring, claims follow up, ……]
Head Office: Mr. Michael Woo of Assets Division
[Main function: Replacement for new cars and renewal for existing cars of Head Office in