Insurance liability

During the period of validity of the insurance policy, the company shall be liable for the loss of the insured aircraft caused by the following reasons and the legal liability of the insured to the third party, passengers and crew members in accordance with the following provisions:
（1） Fuselage insurance
Accidental loss or damage to the aircraft and its accessories during flight or taxiing and on the ground, regardless of any reason (excluding the exclusions specified in Article 3 of this article). The company is also responsible for the costs of aircraft disassembly, reassembly and transportation and the cost of removing debris caused by accidents.
If the whereabouts of the insured aircraft are not known within 15 days after taking off, it will constitute a disappearance, and the company will compensate according to the insured amount of the aircraft insurance.
（2） Third party liability insurance
In case of personal injury or property loss of a third party caused by falling people or objects from the aircraft, the insured shall be liable for compensation, except for the personal injury or property loss of the insured and its paid on-board and airport staff.
（3） Passenger legal liability insurance
The insured shall be liable for the personal injury or death of the passenger or the loss of the luggage and articles carried and registered due to the accident of the passenger when boarding or getting on and off the plane, as well as the loss caused by the delay of the passenger, luggage or articles in the process of transportation according to the law or contract.
(passengers refer to passengers who have purchased air tickets or passengers who are carried free of charge with the consent of the insured, but do not include those who are carried free of charge to perform the tasks of the insured)
（4） Crew legal liability insurance
The economic compensation liability that should be borne by the insured according to law or contract due to the personal injury or death of the crew due to the accident of the aircraft when the crew is driving the aircraft.
The maximum amount of compensation in the above items (1), (2), (3) and (4) is limited to the maximum amount of compensation specified in the insurance policy. However, the company is separately responsible for the compensation of litigation costs caused by the liability of the insured, and is not limited by the maximum amount of compensation specified in the insurance policy.
The insurer shall also be liable for the necessary and reasonable expenses paid by the insured to prevent or reduce the loss of the subject-matter insured after the occurrence of the insured accident, but the maximum amount shall not exceed the insured amount of the subject-matter insured.

Exemption from liability

The company shall not be liable for the following losses, expenses and liabilities:
（1） The aircraft fails to meet airworthiness conditions;
（2） Intentional act of the insured;
（3） Natural wear and tear, manufacturing and mechanical defects of any parts of the aircraft (but this insurance shall still be responsible for the loss and damage caused to the aircraft);
（4） The company's aircraft war and hijacking insurance clauses cover and exclude liabilities.