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投保人通过中介渠道投保时,某些时候中介为了图方便,会代投保人在投保单上签字,这种情形显然违反了《保险法》及《合同法》的相关规定。那么这种情况下免责条款的效力如何呢?保险人是否应该对此予以赔偿?为此,我们特意选取了其中有代表性的案例,就相关问题进行初步分析。【案例】2015年3月,刘某通过保险中介,为其所购的家庭自用车向A保险公司投保了交强险、车辆损失险、限额50万的第三者责任险、盗抢险、自燃险
When the policyholders insured through intermediary channels, in some cases, the intermediary may, for the convenience of the plan, sign the policyholder on behalf of the insured. This situation clearly violates the relevant provisions of the Insurance Law and the Contract Law. So in this case the effectiveness of disclaimer terms? Insurers should be compensated? To this end, we deliberately selected one of the representative cases, a preliminary analysis of the relevant issues. 【Case】 In March 2015, Ryu insured insurance company A against his insurance company for the family car purchased by him through insurance intermediary. The vehicle loss insurance, the third party liability insurance with a limit of 500,000, robbery and emergency insurance and auto insurance