Huatai insurance company is more reliable. Huatai Property Insurance Co., Ltd. is the first national joint-stock property insurance company approved by China Insurance Regulatory Commission. Its predecessor was Huatai Property Insurance Co., Ltd., which was established in 1996. From 65438 to 0996, 63 large enterprises and enterprise groups were established in Beijing with a registered capital of 304.2 million yuan. 6 billion yuan. In August of 20 1 1, it was renamed Huatai Insurance Group Co., Ltd. with the approval of China Insurance Regulatory Commission, with a registered capital of 3.04 billion yuan and its headquarters in Beijing.

I. Insurable interest:

1. Insurable interest refers to the legitimate rights and interests of the insured in the subject matter insured. Usually, the insured will suffer economic losses due to the damage or loss of the subject matter insured, and gain benefits due to the preservation of the subject matter insured. Insurable interest can only be established if it is legally recognized and economically determined rather than expected. Generally speaking, the insurance interest of property insurance exists when the insurance accident occurs, and the losses caused by the insurance accident can be compensated; When signing an insurance contract, the insurance interest of life insurance must exist to prevent moral hazard.

2. Take life insurance as an example, the insured has unlimited insurable rights for himself and his spouse. In some countries and regions, if the insured and the insured are related by blood, they can also constitute insurance rights and interests. In addition, creditors also have insurance interests for debtors who have not paid off their loans.

3. The conditions for its establishment are: insurance interest must be legal interest, insurance interest must be economic value interest, insurance interest must be definite interest and insurance interest must be beneficial interest.

2. Insurable value:

1, the insured value is the actual value of the subject matter insured. According to China's Insurance Law, if the insured and the insurer have an agreement on the insured value of the subject matter insured and agreed in the contract, if the subject matter insured suffers losses, the agreed insured value shall be taken as the compensation calculation standard. The insured and the insurer have no agreement on the insured value of the subject matter insured, and if the subject matter insured suffers losses, the actual value of the subject matter insured at the time of the insured accident shall be taken as the compensation calculation standard. In short, the insured value can be determined in three ways:

(1) According to the provisions of the law and the contract law, the law and the contract law are the basic basis for determining the insurance value;

(2) According to the insurance contract and mutual agreement. The insurance value of some insurance objects is difficult to measure, such as life insurance and health insurance. If a person's body and life cannot be measured by money, the insured value shall be agreed by both parties;

(3) The insured value is determined according to the change of market price. The insured value of some insurance objects is not always the same. Most of the subject matter will also depreciate with the passage of time, and its insurance value will show a downward trend.