How to get car insurance when it is about to expire, and how to handle car insurance when it is abou

Find a few more insurance companies**.

When renewing car insurance, if it is in the same insurance company, there will be certain discounts. At present, many car owners also feel that car insurance is the same wherever they invest, as long as it is cheap enough. However, we should also be careful that some insurance companies use some "small means" to make a minimum sum insured in order to attract consumers.

When renewing the policy, you should look at the sum insured of the type of insurance, the sum insured varies greatly from one type to another**, especially the sum insured for car damage insurance and the three insurance. Car insurance experts explain that for the same car, the main reasons for the difference in premiums are:

1.Car insurance includes dozens of insurance types, and the premium will be different depending on the combination of insurance types. For example, there is a difference between insuring three-party insurance and insuring three-party insurance + car damage insurance.

2.The premium will vary depending on the sum insured for each type of insurance. Such as:

The purchase price of a new car is determined by 25% of the vehicle price and determined by 30% of the vehicle price, which will cause the insured amount of car damage insurance to be different, and the corresponding premium will be different. At present, all major insurance entities use the car price data of the Jingyou database, but each insurance company has different regulations on the proportion of non-new car price reduction, resulting in different premiums**.

3.There will also be differences in the use of discount coefficients. For example, if the customer requests to drive in the province when applying for insurance, the premium will be more favorable.

4.If you choose different renewal channels, the premium will be different. The premiums for direct sales and online direct sales of insurance companies are generally lower than those of traditional channels.

5.If you want to do car insurance installment, horn installment is a good choice for you.

Hope it helps!

All vehicles with complete driving licenses and number plates, and qualified by the vehicle management department, can be insured with the Chinese People's Insurance Company. The procedures for vehicle insurance are as follows:

When applying for insurance for personal vehicles, the driver's ID card, driver's license, vehicle driving license, letter of introduction and relevant documents related to the insured vehicle should be brought. If the vehicle is engaged in self-employment, it should also bring the business license, transportation permit and other documents to the insurance company for processing. After the experience certificate is completed, fill in the vehicle insurance policy, and drive the insured vehicle to the designated place for necessary inspection, after meeting the insurance conditions, the policyholder will determine the insurance time, and verify the insurance premium.

The insurance is valid for up to one year, but it can be less than one year, but not more than one year. After the expiration of the term, the policy can be renewed and re-processed. The insurance is in duplicate, and the policyholder should keep a copy of his insurance policy and the receipt of payment of insurance premiums, which will be used as the basis for compensation if the insurance occurs within the insurance period.

In addition to carrying the necessary documents, it is also necessary to list the model, license number, and driving license number of the insured vehicle. Depending on the situation, the insurance company will inspect the vehicle and then proceed with the insurance procedure.

1. Generally speaking, when the car insurance is about to expire, the insurance company will take the initiative to contact you whether to renew the insurance, and even call the salesman to help you go through the relevant procedures, so you don't have to worry about this.

2. If you didn't have an accident last year, then you'd better not change the insurance company, on the one hand, they may come to help you go through the relevant procedures, and on the other hand, they may also give you an insurance discount. If you change companies, there will be no discounts.

3. Renewal of old cars:

1) Driving license (original, copy, **, choose one of the three.)

2) The previous year's policy (copy, **, choose one of the two).

The data expansion group is late and cautious:

1) Motor vehicle insurance, that is, automobile insurance (referred to as automobile insurance), refers to a kind of commercial insurance that is liable for personal or property damage caused by natural disasters or accidents.

2) Motor vehicle insurance, also known as "car insurance", is a kind of transportation insurance that takes the motor vehicle itself and its third-party liability as the subject of insurance.

3) Its insurance customers are mainly corporate bodies and individuals with various motor vehicles; The subject matter of its insurance is mainly various types of automobiles, but it also includes special vehicles such as trams and battery cars, as well as motorcycles.

During the epidemic period, the expiration of car insurance can be extended. In accordance with the requirements of the "Notice on Doing a Good Job in the Technical Support of Road Transport Vehicles During the Epidemic Period" issued by the Ministry of Transport, the annual review time of road transport vehicles expires but the vehicle inspection cannot be carried out temporarily due to the epidemic or does not have the relevant inspection conditions, the annual review cycle is allowed to be automatically extended to 45 days after the end of the epidemic.

[Legal basis].Notice of the Ministry of Transport on doing a good job in the technical support of road transport vehicles during the epidemic period "I. Temporary postponement measures will be taken for the annual review of road transport vehicles.

The annual examination system of road transport vehicles is an important basic system to ensure the technical management of road transport vehicles. At present, in order to fully serve the epidemic prevention and control work, during the epidemic period, local transportation departments can take the following temporary policy measures in combination with the local epidemic prevention and control work and road transport security needs: for road transport vehicles whose annual examination time expires but the original limb is temporarily unable to carry out vehicle inspection due to the epidemic or does not have the relevant inspection conditions, the annual examination cycle is allowed to be automatically extended to 45 days after the end of the epidemic.

During the epidemic period, the transportation departments of Luqin did not punish road transport vehicles that did not carry out technical rating and overdue or expired annual vehicle inspection. After the end of the epidemic, local transportation departments should urge relevant road passenger and freight transport operators and vehicles to continue to go through the annual vehicle review procedures in a timely manner; The annual examination system of road transport vehicles is restored to the original policy system.

Car insurance should be renewed immediately, regardless of how long it has expired.

There are many ways to renew car insurance, there are traditional offline insurance methods, car owners go directly to the insurance business hall to apply for car insurance; Car owners can also choose between ** car insurance and online car insurance insurance. No matter which way you choose to renew your car insurance, car owners must remember to choose a regular insurance company or ** organization, even if you renew your car insurance online, you must log in to the official ** of the insurance company. When the car owner renews the car, it is also very important to choose the renewal time, and the car should not be renewed too early, nor too late.

The process of offline application for car insurance is as follows:

1. Propose the intention of insurance approval, and the customer shall put forward the intention of insurance or correction;

2. Inform and explain the terms, the staff of the insurance company will explain the terms to the customer, and clearly inform the customer of the insurance liability and exemption from liability and the questions raised by the customer;

3. Provide insurance approval information, cooperate with car inspection and verification, and provide information accordingly according to different insurance approval situations, and cooperate with the insurance company to verify the car inspection;

4. Review the insurance approval information, arrange the vehicle inspection verification, and the insurance company staff review the insurance approval information provided by the customer, and arrange the vehicle inspection and verification as appropriate.

Motor vehicle insurance (referred to as car insurance) refers to a kind of commercial insurance that is liable for personal or property damage caused by natural disasters or accidents. Its insurance customers are mainly corporate bodies and individuals with various motor vehicles; The subject matter of its insurance is mainly various types of automobiles, but it also includes special vehicles such as trams and battery cars, as well as motorcycles.

Purchasing car insurance can give the owner financial compensation or cash compensation when the vehicle has an accident or encounters other things; An important measure to transfer risk. By purchasing insurance, you can transfer the risk of daily mistakes or unpredictable risks to the insurance company, giving the car owner great protection.

Compulsory traffic insurance is one of the car insurance policies to be bought. Why? Although the compensation of compulsory traffic insurance is not high, it is compulsory insurance purchased by the state.

Therefore, when we buy compulsory traffic insurance, we generally choose to purchase commercial insurance, which is also a relatively large car insurance. Three-party insurance is also a kind of car insurance that is worth buying. The advantage of this kind of car insurance compared with compulsory traffic insurance is that you can choose the amount of compensation, which can effectively solve the troubles we may encounter in life.

How to lose Pihuai when the insurance expires? How to deal with expired car insurance:1

If you forget to renew your expired car insurance, there will be no late fees. Otherwise, in the event of a traffic accident, the insurance company will not compensate, and if the compulsory traffic insurance is not paid in time, it will be detained by the traffic police, and the source will be fined twice the minimum insurance liability and the insurance premium should be paid. 2.

According to Article 95 of the Road Traffic Safety Law of the People's Republic of China, if a motor vehicle is driving on the road without hanging a motor vehicle number plate, placing inspection marks or insurance marks, or carrying a driving license or driver's license with the vehicle, the traffic management department of the public security organ shall detain the motor vehicle, notify the parties to provide the corresponding number plates and signs or go through the corresponding formalities, and may be punished in accordance with the provisions of Article 90 of this Law; 3.Where the parties provide the corresponding license plates or signs or go through the corresponding formalities, they shall promptly return the motor vehicle. Anyone who intentionally obscures, defaces, or fails to install a motor vehicle number plate in accordance with provisions shall be punished in accordance with the provisions of Article 90 of this Law.

Car insurance can be renewed when it expires, and most of the insurance companies are out of insurance for more than three months even if they are newly insured, even if there is no insurance in the previous year, the discount is calculated according to the new insurance after three months of insurance, that is, about 85% off.

It should be noted that you can't go on the road when car insurance expires, so you should go a few days in advance. Generally speaking, it can be delayed for up to two days. If you delay for a long time, you may face paying twice the insurance premium.

1. What materials are needed for insurance handling.

1. A copy of the driving license of the insured vehicle and the organization of the insured.

2. A copy of the identity certificate of the insured.

3. The original identity certificate of the insurance agent.

4. Vehicle certificate.

5. Invoices for new car purchases.

6. A certificate or contract issued by the owner that can prove the relationship between the insured and the insured vehicle.

7. A copy of the "Motor Vehicle Driver's License" of the agreed driver.

8. Car purchase invoice or fixed asset entry voucher.

9. Insurance policy.

10. Car insurance clean policy for the previous year.

11. Certificate of unit and personal power of attorney.

2. What happens if you don't buy the car when the compulsory insurance expires.

If you don't renew your policy in time, it's very harmful:

1. If a traffic accident occurs, the owner needs to pay the claim amount of the compulsory car insurance;

2. If the compulsory traffic insurance expires, the annual inspection and review of the vehicle will not be accepted;

3. If it is found by the law enforcement traffic police, it will be subject to certain penalties (the punishment standards vary in different places).

Relevant penalty provisions:

Article 98 of the Road Traffic Safety Law of the People's Republic of China stipulates that if the owner or manager of a motor vehicle fails to take out compulsory third-party liability insurance for motor vehicles in accordance with national regulations, the traffic management department of the public security organ shall detain the vehicle until it is insured in accordance with the regulations, and impose a fine of twice the insurance premium that should be paid in accordance with the minimum liability limit for insurance in accordance with the regulations.

Article 40 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability stipulates that if a motor vehicle driving on the road is not placed with an insurance sign, the traffic management department of the public security organ shall detain the motor vehicle, notify the party concerned to provide the insurance mark or go through the corresponding procedures, and may be given a warning or a fine of not less than 20 yuan but not more than 200 yuan. If the party concerned provides the insurance mark or goes through the corresponding formalities, the motor vehicle shall be returned in a timely manner.