What should I do if the original insurance for the transfer of the car is done, and what should I do

I bought a used car, what should I do with car transfer insurance? "After buying a second-hand car, many car owners feel embarrassed by the transfer procedures of second-hand car insurance and don't know how to start. This is a common problem for second-hand car consumers, many car owners do not know much about car insurance transfer, and it is inevitable that they will stumble when going through the transfer procedures, in fact, insurance transfer is very simple.

The transfer of second-hand car insurance is actually to change the beneficiary and license plate number of the original insurance endorsement of the vehicle after the second-hand car transaction. Therefore, there is no charge for the transfer of second-hand car insurance, and the materials required are relatively simple (no need to go to the insurance company with the vehicle). A car insurance transfer application form will need to be completed and will need to be present with both the new and existing owners.

When transferring ownership, you need to bring the original insurance policy, driving license, and vehicle transfer invoice and other documents. The insurance company will issue you an approval note to complete the insurance transfer after immediate review. The transfer of second-hand insurance needs to be after the transfer of the second-hand car transaction, 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 traffic insurance (the compulsory traffic insurance can also be refunded and re-registered after settling on the ground). The terms of motor vehicle insurance stipulate that during the validity period of the insurance, if the insured vehicle is resold, transferred, given away or repurposed, the insured shall notify the insurance company in writing and apply for approval, otherwise the insurance company has the right to refuse compensation.

With the increase in second-hand car transactions, the consequent insurance problems also occur from time to time. Second-hand car transactions that have not been formally handled by the traffic police department are not protected by law and are not recognized. Therefore, in the process of buying and selling second-hand cars, handling insurance transfer is an important link.

At the same time, the transfer of second-hand car insurance can also effectively prevent the occurrence of second-hand car fraud. Knowing this, car owners no longer have to worry about what to do with car transfer insurance after buying a second-hand car.

After the transfer of ownership of the vehicle, how to deal with the insurance.

The transfer of car insurance is very simple, as long as the new owner gets the new driving license, together with the old policy and his ID card to the insurance company to handle the change of the relevant insurance endorsement, the transfer of the policy can be completed, the procedures can be completed on the spot, and the changed insurance will take effect in the early morning of the next day.

In addition, 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 transferring car insurance, you need to bring the original insurance policy, driving license, vehicle transfer invoice and other documents.

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

What about insurance after the transfer of ownership of the vehicle? Do I need to transfer my ownership?

We know that if you want to buy a second-hand car in life, there is a certain risk, many problems need to be paid attention to, in the process of handling the transfer of ownership of the vehicle, many people do not understand what insurance should do? The following is explained by the Pacific Automobile Network for your reference and learning, I hope it will be helpful to you.

1. What should I do with the original insurance for the transfer of vehicle ownership.

Normally speaking, the original insurance of the second-hand car to be transferred has not expired, and after the transfer of the second-hand car, it is necessary to change the information of the owner of the registration certificate, and after receiving the new vehicle number plate and driving book, the two parties can also handle the insurance transfer. There is no cost for the transfer of used car insurance, and the materials are relatively simple. Both parties to the transaction go to the insurance company, bring the original insurance policy, driving license and license plate transfer invoice and other documents, and the vehicle does not need to be driven to the company.

After submitting the materials, the insurance company will review and issue an endorsement on the spot to complete the insurance transfer.

When it comes to second-hand car transactions, it can be troublesome. Because there is no key to transfer the second-hand car to the buyer, the buyer does not have to transfer the original owner's insurance, he can choose to directly push off the original insurance, but he needs to keep the compulsory traffic insurance (the compulsory traffic insurance can also be returned and re-installed after settling on the ground).

2. Transfer of ownership of vehicles.

The transfer of ownership of a vehicle is a change in the name of the owner of the vehicle. It is also to buy a second-hand car in addition to the condition of the car, the most important link is to go through the transfer procedures, and some friends who do not understand the car in order to save costs ignore the transfer link, the lucky car is not an accident is good, if the luck is bad, something accident is caught by the police uncle will be troublesome, the fine is calculated separately, the key vehicle insurance company will not pay, no matter how big the loss has to bear themselves, it is greedy for small cheap and big losses.

Through the above explanation, we can understand that even if the vehicle is transferred, the insurance will also be transferred with the vehicle, but this is not mandatory. If you have any questions or further requirements, you can consult the relevant content of Pacific Auto Network.

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When the vehicle is transferred, the original insurance can also be applied for correction.

In accordance with the relevant provisions of the Insurance Law, the insured shall notify the insurance company in writing in advance and apply for correction if the insured vehicle is re-sold, transferred, donated to others, or changed in use.

After the transfer of ownership of the vehicle is completed at the vehicle management office, the new owner should bring the transfer certificate, a copy of the driving license, the original insurance policy, his ID card and the ID card of the original insurer, and fill in a transfer application form to the original insurance company to complete the approval and transfer procedures.

Documents required for vehicle transfer:

1. The original application form for registration, transfer and cancellation of registration of motor vehicles;

2. The original and photocopy of the identity certificate of the current motor vehicle owner;

3. The original or original and photocopy of the certificate or certificate of transfer of ownership of the motor vehicle. Among them, the second-hand car sales invoice, the "Notice of Assistance in Enforcement" and the transfer certificate issued by state organs, enterprises, public institutions and social organizations shall be originals;

4. Certificate of Release of Supervision of Vehicles under Customs Supervision of the People's Republic of China or the original transfer certificate approved by the Customs (motor vehicles under customs supervision);

5. The original driving license;

6. The original motor vehicle inspection record form (posted with motor vehicle standard ** and frame number rubbing).

7. Original motor vehicle registration certificate;

8. Motor vehicle standard**1.

The transfer of second-hand car insurance needs to be handled after the transfer of second-hand car transactions, and after the registration certificate owner information is changed, and the new vehicle number plate and driving book are obtained. 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.

1. Change of compulsory traffic insurance. In accordance with the provisions of the Regulations on Compulsory Traffic Insurance, in the purchase and sale of second-hand cars, compulsory traffic insurance cannot be surrendered in principle. The only situation that can be surrendered is when the vehicle is in a different place**, at which time the new owner can pay another compulsory traffic insurance at the place of settlement.

The new owner needs to go to the original owner's insurance company to surrender the insurance policy with his ID card, new driving book, second-hand car transfer procedures and new compulsory traffic insurance policy;

2. Commercial insurance is changed in a timely manner. After the transfer of ownership of second-hand cars, Xiaochun should not only pay attention to the transfer of compulsory traffic insurance, but also pay attention to the matters of commercial insurance. If you buy a second-hand car locally, you need to go to the original insurance company with the original insurance policy, ID card, new driving book and transfer certificate to make changes.

3. For second-hand cars purchased in other places, because some insurance companies cannot underwrite in other places, the original owner can go to the insurance company to return the commercial insurance and then go back to the place where he settles to buy new commercial insurance. If it is an insurance company that is insured nationwide, the company in the place of sponsorship can contact the company in the original place of insurance to consult about the transfer procedures.

4. If you want to surrender the insurance, you need to provide the original owner's insurance policy and ID card, and after the surrender, you can go to any insurance company to buy car insurance again, and you only need to provide a new driving license or vehicle transfer certificate.

Millions of car purchase subsidies.