保险合同作为调整保险人与被保险入相互之间权利与义务关系的法律依据,其内容的台法性尤为重要。由于保险合同是格式合同,其制定权多在保险人手中（少数主要险种条款由保险监管机关制定）,被保险人往往只能处于接受或不接受消极被动的地位,因此保险合同的内容即权利义务关系如何,直接影响到被保险人的合法权益是否能够得到有效维护。在保险经营实践中,由于多方面的原因,保险合同内容的违法条款是客观存在的,现行的多数保险条款中有不少内容违反了法律的强制性规定（禁止性规定）。本文以我国产险中业务量最大的险种——机动车辆保险合同为 Insurance contract as a legal basis for adjusting the relationship between the insurer and the insured and the rights and obligations, the content of the law is particularly important. Since the insurance contract is a format contract, the right of making is mostly in the hands of the insurer (the provisions of a few major insurance lines are formulated by the insurance regulatory authority). The insured person can only accept or not accept the passive status. Therefore, the content of the insurance contract is the right Obligation how to directly affect the insured’s legitimate rights and interests can be effectively maintained. In the practice of insurance management, due to many reasons, the illegal clauses in the contents of insurance contracts are objective. Many of the current insurance clauses violate the mandatory provisions of the law (Prohibition Provisions). In this paper, China’s property insurance business in the largest insurance - motor vehicle insurance contract