Source: Key points of case judgment from "Gazette of the PRC Supreme People's Court" Volume 2022

Case judgment opinion summary:

The insured leases the insured vehicle with the agreed purpose of "non business individual" to others and allows the lessee to sublet it to non-specific users through the network, which is a commercial use for the purpose of obtaining rental income, changes the purpose of the subject matter of insurance, and exceeds the coverage of the insurance contract that the insurer foresaw or should foresaw when the insurance contract is signed, which is a situation where the risk level is significantly increased in Article 52 of the Insurance Law.