There is no discount for how long the car insurance is out of insurance, and there is no discount fo

The car insurance is out of insurance, and the date starts from the zero time the car insurance expires.

Car insurance out of insurance, that is, after the vehicle is out of insurance during the off-schedule period, the owner will not be able to get insurance compensation, especially the consequences of the expiration of the compulsory traffic insurance are more serious, and the owner will face penalties such as deducting points, deducting the car, and fines, and the premium may also rise.

According to the provisions of the non-compensation preferential treatment clause, if there is no compensation for 3 consecutive years, the premium can be discounted by 7%; If there is no compensation for one consecutive year and two years, it can be discounted by 9% and 8% respectively; If the number of indemnities in the previous year is less than 3 times, the discount will not be given, and the filing rate will be implemented; If there are 3 claims in the past 1 year, the premium will be increased by 10%, and if the claim has occurred 5 times or more, the premium will be increased by 30%.

Car owners who forget to renew their insurance on time will face a claim vacuum.

According to the relevant regulations, if the insurance is out of insurance for less than 3 months (inclusive), the customer loyalty coefficient and the non-compensation preferential treatment coefficient shall be treated as normal insurance; If the insurance is out of insurance for more than 3 months to 6 months (inclusive), the preferential treatment coefficient of no compensation will only rise but not fall, and the customer loyalty coefficient will be used normally; If the insurance is out of policy for more than 6 months, it will be regarded as a new car underwriting, and the preferential coefficient without compensation, customer loyalty coefficient and annual mileage from 0 km to 30,000 km shall not be used.

If the vehicle is "out of insurance" for more than 3 months, the owner will not be able to enjoy the discount without compensation even if he has not been insured in the previous year. Therefore, car owners must pay attention to renewing their insurance on time. If the insurance has not yet expired, the owner may be away for a period of time before the expiration date, and the owner can also apply for insurance in advance to agree on the effective date of the policy.

How long can car insurance be out?

If the insurance is renewed within three months, you can still enjoy the preferential policy, if it is more than 3 months but less than 6 months (inclusive), then the floating rate will be adopted, and if you are insured for more than 6 months, it will be regarded as a new car insurance. Therefore, the renewal of the car insurance must be completed within 3 months after the car insurance is discharged, so as not to affect the premium discount.

Car insurance can be divided into compulsory insurance and commercial insurance, compulsory insurance is strictly allowed to be out of insurance, because after the insurance is released, you will be subject to high fines on the road, and it is mandatory to renew the insurance. At the same time, the compulsory traffic insurance cannot pass the annual inspection of the car, so it is best to renew the compulsory traffic insurance before it expires.

Commercial insurance is voluntary, and if the policy is renewed within three months, you can still enjoy preferential policies. If it is more than 3 months but less than 6 months (inclusive), then the rate will be increased. If you have been insured for more than 6 months, it will be regarded as a new car insurance.

Therefore, the renewal of the car insurance must be completed within 3 months after the car insurance is discharged, so as not to affect the premium discount.

Extended information: Insurance is a Chinese word, pinyin is bǎo xiǎn, English is insurance or insuraunce, the original meaning is safe and reliable protection; It is a tool used to plan life finances, a basic means of risk management under the conditions of market economy, and an important pillar of the financial system and social security system.

Insurance refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility of compensating the insurance money for the property loss caused by the occurrence of an accident that may occur as agreed in the contract, or when the insured dies, is disabled, sick or reaches the age and time limit agreed in the contract. From an economic point of view, insurance is a financial arrangement for apportioning the loss of an accident; From a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for its losses; From a social point of view, insurance is an important part of the social and economic security system, and it is an "exquisite stabilizer" of social production and social life. From a risk management perspective, insurance is a method of risk management.

1.If the car insurance is renewed within one month after the insurance is out of insurance, the insurance rate will not rise, and you can enjoy preferential policies.

2.If the car insurance is out of insurance for more than a month, due to the moral hazard brought about by the insurance after the fact, the rate will rise and you will not be able to enjoy the preferential policy.

3.If the vehicle is out of policy for a long time and then renewed, the insurance company will re-examine the vehicle.

Summary. Dear, the answer to this question is: there is no discount for more than two months.

If the auto commercial insurance is out of policy for two months, there will be no discount for reinsurance.

There is a two-month grace period for auto commercial insurance, and if you pay the premium within two months, it is counted as a renewal to enjoy the renewal discount, if you still have not paid the premium after the two-month grace period, then the reinsurance is re-insured, and you do not enjoy any discount.

And dear, if you still have any questions that you don't understand, you can always ask me questions!

There is no discount for how long the car commercial insurance is out of warranty.

Dear, the answer to this question is: there is no discount for more than two months. The auto commercial insurance is out of change and quick for two months, and there is no discount for reinsurance.

If you still haven't paid the premium after the two-month grace period, then re-apply for insurance is re-insured, and you don't enjoy any discounts. And dear, if you still have any questions that you don't understand, you can always ask me questions!

There is a 60-day grace period for commercial insurance for failed cars. In response to the cash shortage that may occur during the payment period and the difficulty in raising premiums for a while, various insurance companies have set a 60-day wide cover deadline.

The insurance law stipulates that the grace period is 60 days. However, if the insured needs to make a claim due to the fact that the insured has issued Zheng Manuscript Insurance, the insurance company will deduct the insurance premium owed. If the policyholder fails to pay the renewal premium in full after the 60-day grace period, the insurance contract will be terminated.

After the insurance is suspended, it will only be reinstated if the reinstatement is filed.

Compulsory traffic insurance cannot be outinsured, and there is no limit to the time for commercial insurance to be outinsured.

Car insurance is divided into compulsory insurance and commercial insurance, search and pick up compulsory insurance is not allowed to get out of insurance, compulsory insurance is a mandatory car insurance required by the state, that is, the compulsory insurance can not pass the annual inspection of the vehicle, it is best to renew the insurance before the expiration of the insurance. Although commercial insurance is a voluntary insurance, car owners can surrender and renew their insurance within a month in Sanzhi Town, and they can still enjoy preferential policies. If it is more than 3 months but less than 6 months (inclusive), the floating rate will be adopted.

Extended information: The full name of compulsory traffic insurance is "compulsory insurance for motor vehicle traffic accident liability", which is a compulsory liability insurance for the personal and property losses of the insured motor vehicle victims (excluding the vehicle personnel and the insured) caused by road traffic accidents within the liability limit.

Compulsory liability insurance is the first compulsory insurance system in China that is prescribed by national law. The premium is the implementation of the national unified charging standard, which is uniformly stipulated by the state, but the compulsory traffic insurance of different car models is also different, and the main influencing factor is the "number of car seats".

From September 19, 2020, the Guiding Opinions on the Comprehensive Reform of Motor Insurance will be officially implemented, and the total liability limit of compulsory traffic insurance will be increased from 10,000 yuan to 200,000 yuan.

Insurance Liability. In the territory of the People's Republic of China (excluding Hong Kong, Macao and Taiwan), if the insured suffers a traffic accident in the course of using the insured motor vehicle, resulting in personal or property losses to the victim, the insurer shall be liable for damages borne by the insured in accordance with the provisions of the compulsory traffic insurance contract within the following compensation limits:

1) The compensation limit for death and disability is 110,000 yuan;

2) The compensation limit for medical expenses is 10,000 yuan;

3) The compensation limit for property damage is 2,000 yuan;

4) When the insured is not liable, the compensation limit for death and disability without liability is 11,000 yuan; The compensation limit for non-liability medical expenses is 1,000 yuan; The compensation limit for non-liability property damage is 100 yuan.

Under the limit of compensation for death and disability and the limit of compensation for death and disability without liability, it is responsible for compensation for funeral expenses, death compensation, transportation expenses incurred by the victim's relatives for funeral matters, disability compensation, disability assistive device expenses, nursing expenses, ** expenses, transportation expenses, living expenses of dependents, accommodation expenses, lost work expenses, and solatium for mental damage borne by the insured in accordance with the court judgment or mediation.

Summary. Hello, sorry for your question

For example, if the insurance expiration date of the car is April 23, then the insurance will be considered out on the 24th.

At present, car insurance is divided into compulsory traffic insurance and commercial insurance, and the full name of compulsory traffic insurance is compulsory motor vehicle traffic accident liability insurance, which is a compulsory liability insurance for the insured motor vehicle to compensate within the liability limit when the victim is killed and property damage is caused by a road traffic accident.

After the compulsory traffic insurance is out of insurance, if the car owner goes on the road without renewing the insurance, a fine of twice the minimum insurance premium will be imposed in accordance with laws and regulations.

There are many kinds of commercial insurance, including third-party liability insurance, theft insurance, vehicle personnel liability insurance, vehicle loss insurance, deductible insurance, etc., and the owner can choose to renew the insurance after the expiration of these commercial insurances. However, if the owner does not renew the insurance, the insurance company will refuse to compensate the vehicle once it needs to be insured after the insurance is released.

It is worth noting that if the commercial insurance is out of policy within 3 months to 6 months, the premium will increase by 10%.

How long does it take for car insurance to be out of insurance.

Hello, I'm honored to have your question After the expiration of the car's insurance, the first day of the dust code will be out of insurance, for example, the insurance expiration date of the car is April 23, then it will be out of insurance on the 24th. At present, car insurance is divided into compulsory traffic insurance and commercial insurance, the full name of compulsory traffic accident liability insurance is compulsory insurance for motor vehicle traffic accidents, which is a compulsory liability insurance for the insured motor vehicle to compensate within the liability limit when the victim is killed and property damage is caused by a road traffic accident. After the compulsory traffic insurance is out of insurance, if the car owner goes on the road without renewing the insurance, a fine of twice the minimum insurance premium will be imposed in accordance with laws and regulations.

There are many kinds of commercial insurance, including third-party liability insurance, theft insurance, vehicle personnel liability insurance, vehicle loss insurance, deductible insurance, etc., which commercial insurance expires after the owner can choose to renew the insurance. However, if the owner does not renew the insurance, the insurance company will refuse to compensate the vehicle once it needs to be insured after the insurance is released. It is worth noting that if the commercial insurance is out of policy within 3 months to 6 months, the premium will increase by 10%.

If the policy is renewed within 3 months, will the premium be paid**. No.

Summary. No more than 48 hours have passed since the expiration of vehicle insurance. If the vehicle is on the road after the expiration date, it is a naked insurance road, and once the vehicle is out of insurance, the insurance company will refuse to compensate. Under normal circumstances, the day after the expiration of car insurance, it is considered out of coverage.

Car insurance cannot be taken out of insurance. Compulsory liability insurance cannot be outwritten broadly, and commercial insurance can be outridden for an unlimited time. Compulsory traffic insurance is not allowed to be out of insurance, compulsory traffic insurance is a mandatory car insurance required by the state, that is, the compulsory traffic insurance can not pass the annual inspection of the vehicle, it is best to renew the insurance before the expiration of the insurance.

Commercial insurance is a kind of voluntary insurance, the owner can surrender and renew the policy within three months, and can still enjoy preferential policies, but the time of the insurance is not required.

No more than 48 hours have passed since the expiration of vehicle insurance. After the vehicle lacks the burial limit expires, it is a naked insurance on the road, once the vehicle is out of Tong's insurance, the insurance company will refuse to compensate. Under normal circumstances, the car insurance will be considered out of insurance the day after it expires.

A few days late in the renewal of car insurance has an impact, the risk is passed on during the out-of-policy period, and the premium rate is **.

Things to look out for when renewing car insurance:

Car insurance renewals should be timely.

If the vehicle is not insured, it will not be insured? It's not a wise choice. Accidents are not something that can be prevented by being careful, and car repairs are expensive, maybe it's just a small touch, and a small accident that destroys a headlight chassis can cost you a lot of money.

So don't take chances and not renew your car insurance.

Be careful if you forget to renew your policy.

Some car owners do not read the terms carefully, do not pay attention to the expiration date of the car insurance, and forget the time of renewal in a daze, if the insurance is not renewed during this period, the insurance company can refuse to pay compensation. Therefore, you must pay attention to the renewal of car insurance to avoid losses caused by accidents.

Compulsory traffic insurance should be renewed in a timely manner.

Compulsory liability insurance is different from commercial insurance, it is mandatory. If you don't pay the compulsory insurance in time, it will bring a lot of problems and even be punished. It is different from the commercial insurance of insurance companies, and if there is an accident, it will bring a lot of losses.

Car Insurance Renewal Tips:

Retirement cars can be renewed: if the car is almost at the end of retirement age. Then car insurance renewal is not a very affordable thing.

Hello friends, you can take as long as the car insurance is out of insurance, but be careful not to go on the road.

If the out-of-insurance vehicle is investigated and dealt with on the road, the vehicle will be detained by the traffic department in accordance with the law, and the vehicle owner can only be released from detention after paying the insurance premium and a fine of 2 times the insurance premium payable. If the insurance is not renewed in time, you will no longer enjoy the insurance protection during the period of deinsurance, and all the losses caused by the traffic accident will need to be borne by yourself. Hope it helps!