When buying a used car, does it cost money to transfer the car insurance?

It doesn't cost money, but it's very troublesome, about ** procedures and the like. The easiest way is to force the insurance, the commercial insurance allows the car owner to return it by himself, and you can just get it back on it yourself. If the car is transferred, there is no discount for the calculation of the new car price, you can wait for the original owner's insurance to be refunded, and you will be on the insurance and finally transferred.

It doesn't take much money to buy a second-hand car insurance transfer, and you don't need to worry about this.

The transfer fee is required for the transfer of ownership of the vehicle, and the easy transfer fee is charged at 5% of the appraised price of the vehicle, and the burden of this fee is negotiated between the buyer and the seller.

For example, the appraisal price of Poussin in 2001 was 60,000 yuan, and the transfer fee: 60,000 yuan 5 = 300 yuan.

Note: The "transfer fee" has nothing to do with the actual transaction of the car**. If the actual transaction price of the car is 10,000 yuan, it is still calculated based on the appraisal price of 60,000 yuan.

Other fees: 180 yuan for assessed vehicles, 80 yuan for vehicle inspection, and 150 yuan for ticketing. According to the new standard for the calculation of second-hand car transfer costs, the second-hand car transaction fee will be reduced by more than 50% under the new standard of second-hand car transfer fee, especially the transaction cost of models below the liter displacement will be lower.

Among them, the shorter the year and the smaller the displacement, the greater the reduction in transaction fees; The same model, the same displacement, and different years will have different transfer fees.

First, yes, the second-hand car insurance transfer is a change in the content of the policy, in this process, you need to fill out a car insurance transfer application, and the new and old car owners need to be present together.

Second, the specific process of second-hand car insurance transfer:

1. After the second-hand car transaction, the beneficiary and license plate number of the original insurance endorsement of the vehicle will be changed.

2. There is no charge for the transfer of second-hand car insurance, you need to fill out an application form for the transfer of car insurance, and you need to be present with the new and old car owners.

3. When transferring ownership, you need to bring the original insurance policy, driving license, and vehicle transfer invoice and other documents.

4. The insurance company will issue you an approval policy accordingly after review to complete the insurance transfer.

3. Precautions:

1. It needs to be after the second-hand car transaction is transferred, and after the registration certificate owner information is changed, and the new vehicle number plate and driving book are obtained. Second-hand car transactions are not all local transactions, but on the premise of off-site transactions. Second-hand car insurance does not necessarily have to be transferred, you can choose to return the insurance directly, but you need to keep the compulsory insurance.

2. It is best to change the commercial car insurance in time for the transfer of second-hand cars. If the ownership is transferred in the city, the content of the owner's insurance policy is changed, which requires the new owner and the original owner to go to the original insurance company with the original policy, ID card, driving book and transfer certificate. If it is not changed in time, then the new and old car owners need to be present at the same time to make a claim.

But the fact is that when an accident needs to be claimed, many original car owners cannot be present at all. Therefore, it is best for car owners to surrender the insurance policy early before selling the car.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Hello question, said that there is a fee of more than 400 fees for changing commercial insurance.

Compulsory traffic insurance does not require money, but commercial insurance requires money

Have you increased your insurance coverage, or have you had an accident with the car before.

If you think his hand is unreasonable, apply for a surrender. To apply for surrender, you only need to pay the premium from the beginning of the application to the surrender period, and the other premiums will be refunded accordingly. After that, the new owner of the used car can go to any insurance company to reapply for car insurance.

In addition to the insurance policy, the information required for the original owner to surrender the policy is also the ID card. When a new car owner re-insures, he only needs to provide a new driving license or a certificate of transfer of ownership of the vehicle, and he can choose a new insurance company at will.

When buying a second-hand car, insurance also needs to be transferred, when using the vehicle, if the car insurance is not in charge, then, even if the car is transferred, once there is an accident, then it is very troublesome to compensate, and it is necessary to go through the transfer procedures of car insurance in order to use the new car.

Expand your information; Claim settlement is a concrete embodiment of the insurance company's execution of the insurance contract, the fulfillment of the insurance obligations, and the assumption of insurance liability. On the one hand, only when the claims settlement work is done well can the insured be compensated for their losses, the functions of insurance can be brought into play, the smooth operation of social reproduction and the normal stability of people's lives can be guaranteed, and the credibility of the insurance company can be improved. On the other hand, through insurance claims, the quality of underwriting business can be tested, and the weak links in disaster prevention and loss prevention can be exposed, so that the company can further grasp the law of disaster accidents, summarize and learn lessons and lessons, and further improve and enhance the company's operation and management.

Notes:1It is necessary to carefully and meticulously review the legitimacy of the documents and issuing institutions submitted by foreign buyers;

2.It is necessary to conscientiously do a good job of investigation and study, clarify the facts, and distinguish responsibilities;

3.It is necessary to reasonably determine the extent and amount of losses and the method of compensation.

Claim settlement

It refers to the handling of claims filed by the insured by the insurer against the insured after the occurrence of the insured event. After the insured suffers a catastrophic accident, he or she shall file a claim application against the insurer immediately or through the claimer, according to the insurance policy.

The provisions review the documents submitted, find out whether the cause of the loss is covered by insurance, estimate the extent of the loss, determine the amount of compensation, and finally pay the case. If the loss is caused by the liability of a third party, the insured is required to hand over the right to recover the loss from the third party.

Deductible. The deductible refers to the amount of the loss specified in the insurance contract for which the insurer is not liable for compensation within a certain limit. It can be divided into "absolute deductible."

and "Relative Deductible".

The deductible is mainly to reduce some frequent small claims expenses and improve the sense of responsibility of the insured.

and attention to avoid losses that should not occur, while also reducing the operating costs of insurance companies.

Deductibles are a common practice among international and domestic insurance companies.

The insurance has to be transferred.

For second-hand car trading, there will generally be compulsory traffic insurance, and some vehicle commercial insurance will also be available, and consumers must transfer the insurance to their own names in a timely manner after buying second-hand cars.

After the transfer of ownership of the used car is completed, if you do not want to surrender the policy, you must remember to transfer the commercial insurance policy. Otherwise, once the insurance is needed, both the new and old car owners need to be present, and it is difficult to determine the responsible party in the insurance. The transfer of used car insurance is a change in the content of the policy, and it is necessary to fill out a car insurance transfer application form, and the new and old car owners need to be present together.

When buying a second-hand car, insurance also needs to be transferred, when using the vehicle, if the car insurance is not in charge, then, even if the car is transferred, once there is an accident, then it is very troublesome to compensate. The seller shall deliver the vehicle, license plate and legal certificate and voucher to the buyer in a timely manner. Vehicle legal certificates and vouchers mainly include:

Motor Vehicle Registration Certificate; "Motor Vehicle Driving License"; Valid motor vehicle safety technical inspection mark; Certificate of payment of vehicle acquisition tax; Proof of payment of road maintenance fees; Proof of payment of vehicle and vessel use tax; Vehicle insurance policy.

Legal basis: Article 19 of the Measures for the Administration of Second-hand Car Circulation provides that after the completion of the second-hand car transaction, the seller shall deliver the vehicle, license plate and legal certificate and certificate of the vehicle to the buyer in a timely manner. Vehicle legal certificates and vouchers mainly include:

1) Motor Vehicle Registration Certificate;

2) "Motor Vehicle Driving License";

3) Valid motor vehicle safety technical inspection mark;

4) Certificate of payment of vehicle acquisition tax;

5) Proof of payment of road maintenance fees;

6) Proof of payment of vehicle and vessel use tax;

vii) Vehicle insurance policy.

In short, to buy a second-hand car, the vehicle needs to be transferred, and the insurance should also go through the relevant transfer procedures.