1. The plaintiff's claim is dismissed.

2. The costs of lawsuit shall be borne by the Plaintiff.

1. Facts of recognition;

A. The Defendant is a company with the aim of non-life insurance business, etc. under the Insurance Business Act, and the Plaintiff is a person who entered into an insurance contract for smart learning mutual aid (hereinafter “instant insurance contract”) with the Defendant on July 18, 201.

B. The main contents of the instant insurance contract are as follows. The key contents of the instant insurance contract are as follows. The Plaintiff’s policyholder: The Plaintiff’s insurance premium for the Plaintiff: the insurance period of KRW 100,000 per month in total (Guarantee Insurance Premium of KRW 12,405,000): From July 18, 2011 to July 18, 2026: Insurance money of KRW 50,000 and maturity of KRW 15 years in the instant insurance contract (General Injury and Death: Guarantee of Disability following Death): The amount of KRW 50,000 and maturity of KRW 15,00 in the instant insurance contract: Guarantee of KRW 15,00 and other special terms and conditions of the two-wheeled automobile and the person on board): The main contents of the instant special terms and conditions of the two-wheeled automobile and the person on board are as follows:

Article 1 (Conclusion and Validity of Special Terms and Conditions) ① This Special Terms and Conditions are added to a mutual aid agreement (referred to a mutual aid agreement, and if special terms and conditions are added, including the special terms and conditions; hereinafter the same shall apply) when the beneficiary owns or uses a two-wheeled automobile (limited to the case of periodically driving due to occupation, duties or activities of a club, etc., and excluding the one-time use), and the risk of driving a two-wheeled automobile is added to a mutual aid agreement with the consent of the agricultural cooperative of Korea if the risk of driving a two-wheeled automobile fails to meet the standards set by the agricultural cooperative of Korea.

Article 2 (Damage not to Pay Mutual Aid Money) ① Notwithstanding the terms of a mutual aid agreement, the NAF has caused the beneficiary listed in the mutual aid instrument (certificate of mutual aid) while driving (including boarding; hereinafter the same shall apply) a two-wheeled automobile during the mutual aid period.