Question If I buy car insurance in another city, will there be any problems?

Car insurance is the freedom of the car owner, if it is not involved in the review of the car, there is basically no problem, if you need to review the car, you need to go to the vehicle management office to open a certificate of entrustment before you can review the car. Now car insurance claims are all paid nationwide, and nothing else has any impact.

Hopefully, thank you!

It may not be possible to inspect the vehicle.

There are currently some obstacles in cross-regional car insurance, such as car inspection.

In general, it is not recommended for customers to take out bicycle insurance in other places.

There are 2 scenarios. Compared to last year:

If you still buy it in the same province, then no problem, where to buy the same.

If you go to another province to buy it this year, and you want to review the car this year and next year, you may not be able to review the car by the vehicle management office outside the province.

That's the main question.

The level of the premium has a lot to do with the number of occurrences and the amount of claims made in the previous year. According to the regulations, as long as the car owner does not have any violation records, insurance situations and claims within one year, the car owner will receive a reduction in the premium of commercial insurance and compulsory traffic insurance when renewing the premium in the second year, and will also be listed as a high-quality customer by the insurance company to enjoy car insurance discounts. In the second year, car insurance should make a reasonable choice in terms of purchase method and insurance type, not only to ensure full insurance, but also not to waste money.

Choosing the most suitable combination of insurance types, in order to ensure the future driving life is the real interest of the car owner.

There is no problem, you can buy it online as well. There is no restriction on where you can purchase car insurance.

If there is no insurance, there must be no problems, and if your account manager is good enough, there will be no problems.

It is possible to buy. It's just that you have to go back to the car when you review the car.

Nothing else has an impact, and now the whole country is compensated.

The whitehead scratching is shorter, and the hairpin is overwhelming.

I have the following answers to your questions, I hope to help you and learn more. There is a difference between the cities where car insurance is insured, and you should be asking the question of applying for insurance in other places. Many car owners who have purchased car insurance in other places have such feelings:

It's easy to buy a car insurance, but it's hard to settle a claim, and it's even more difficult to settle a claim in another place." The difference in the insured city is mainly reflected in three aspects: the payment of compulsory traffic insurance, the payment of vehicle and vessel insurance, and the trouble of claims.

Let's talk about the differences specifically:

1.What is the difference between off-site car insurance and local car insurance?

First, on the issue of compulsory traffic insurance. If the policy and regulatory requirements of the territory are violated, the compulsory traffic insurance policy will be invalid, which will bring hidden dangers to the future insurance claims.

Second, on vehicle and vessel tax.

Payment issues. Vehicle and vessel tax is usually collected by insurance companies, and vehicle owners pay vehicle and vessel tax together with compulsory traffic insurance for their vehicles. However, according to the principle of territorial collection of vehicle and vessel tax, even if the owner insures his car in a different place, the insurance company in other places cannot collect the vehicle and vessel tax, in this case, the owner must go back to the local area to pay the vehicle and vessel tax, which is likely to generate unnecessary late fees.

expenditures, and the owner has to run around and toil. Premium differences, rates may vary slightly from region to region. Differences in underwriting rules, different underwriting rules for different branches of insurance companies. Service differences, value-added services for various branches of insurance companies.

Deposit or tremble in different.

2.The impact of car insurance in other places on claims.

There are certain risks associated with car insurance in different places. First, there is the trouble of making claims. Although the off-site outlets of the same insurance company can carry out the procedures of surveying on behalf of the vehicle, after the vehicle is out of insurance, the final claim is still the responsibility of the insurance company in the place where the insurance is insured.

If the owner is insured in the field, it may not only affect the timeliness of the survey, but also take more time and energy to handle the claim procedures, increase the trouble of many car owners, consume a lot of time and energy, and often outweigh the losses. Second, it may be exposed to the risk of free odds. Generally, the insurance contract will have a clause on the restricted driving area of the insured vehicle and a deductible clause.

According to the specific regulations of each insurance company, if the insurance exceeds the driving area, there will be a 5%-10% waiver in the insurance payout, which depends on the specific policy terms.

There are risks in insuring car insurance in other places, so I hope that major car owners should be cautious. Professional matters still need to consult with a professional insurance broker in order to buy the right one and compensate for it. If I help you, I hope you can give me a thumbs up.

The compulsory liability insurance policy is invalid.

According to the regulations, compulsory liability insurance can only be sold in designated areas, and if a compulsory liability insurance policy in a different place is purchased through relevant channels, it violates the relevant provisions of the compulsory liability insurance provisions, which will lead to the invalidity of the policy and bring hidden dangers to future insurance claims.

Vehicle and vessel tax payment issues.

As we all know, the vehicle and vessel tax is collected by the insurance company, and the car owner pays the vehicle and vessel tax when the vehicle is insured with compulsory traffic insurance. However, according to the principle of territorial collection of vehicle and vessel tax, even if the owner insures the car, the foreign insurance company cannot collect the vehicle and vessel tax, and the owner must go back to the local area to pay the vehicle and vessel tax, which is likely to generate unnecessary late fees, and the owner has to work hard.

Extended Information: Benefits of Purchasing Car Insurance in Other Places:

**May be relatively affordable. At present, because the car insurance information platform can only be queried locally, for car owners with many car insurance claims, insurance companies in other places cannot find the claim information of the previous year. Therefore, the insurance company will identify the customer as a customer who has not been insured in the previous year, and the customer can enjoy the discount according to the insurance company's underwriting rules.

For example, if a customer has been insured 3 times in the previous year, the standard premium this year is 4,000 yuan, and if the local insurance premium will rise by 30% to 5,200 yuan, if the insurance is insured in a different place, he can enjoy a discount, and the premium is 3,400 yuan; Some insurance companies will even offer a 7% discount on the premium, which is as low as 2,800 yuan. In this way, insurance in other places can generally make the premium about 40% cheaper.

Precautions for purchasing car insurance in other places:

1. There will be slight differences in premium rates in different regions.

2. Differences in underwriting rules, at present, many insurance companies have different underwriting rules for various branches, resulting in your car may not be able to be insured, or restricting the insurance of certain insurance items.

3. Service differences: The value-added services of each branch of the insurance company may be very different.

4. Claim differences, insurance in different places, you need to confirm whether it will be more troublesome in the claim process.

Hello! If you buy car insurance in other places, there will be disadvantages such as invalid policies and troublesome claims. The details are as follows:

First, compulsory traffic insurance can only be sold in the designated area according to the regulations, and if the local purchase of a non-local compulsory traffic insurance policy through relevant channels violates the provisions of the compulsory traffic insurance provisions, resulting in the invalidity of the policy.

Second, when applying for insurance claims in other places, you also need to go to other places to handle them. Although there are many insurance companies that have been insured nationwide, in fact, even the competition between different branches within the same insurance company is more than cooperation, and many branches would rather increase the cost of surveys and entrust surveying companies to survey accident vehicles than contact brother companies. This has caused trouble for car owners when reporting and making claims.

In particular, when there is a claim dispute, it will increase the cost and difficulty of customer claims.

Of course. At present, many insurance companies have opened up the policy of purchasing car insurance in different places, because the policies of each insurance company are different and the regions are different, resulting in the purchase of car insurance in other places will also be different in one way or another. Buying car insurance in a different place should take into account the following factors:

1. Differences in premiums: There will be slight differences in rates in different regions; 2. Differences in underwriting rules: The underwriting rules of different regions and different branch structures are also different, and it is possible that some projects may not be able to be insured; 3. Service differences:

Value-added services in different regions and different branches.

There may be discrepancies; 4. Difference in claims: If you purchase insurance in other places, you need to confirm in advance, and whether the claim settlement process is troublesome; The above four points need to focus on clarifying the third point of service and the difference of service and escort service and the fourth point of difference in the claim process. Can I buy car insurance in another place?

In addition to the differences, car owners should also consider the following issues.

For car insurance purchased in other places, the insurance claim process may be the same as the local car insurance claim process.

There are differences, and the following matters need to be paid attention to during the claim process of off-site car insurance:

1. Reporting: Each insurance company has different regulations for the reporting of non-local car insurance, and when purchasing non-local car insurance, you must first confirm with the insurance company, if an accident occurs, whether to report the accident in the place of accident or in the area where the car insurance is purchased, so as to avoid the loss caused by different cases and different ways of accepting cases;

2. Loss assessment: There are also different provisions on the assessment of losses for claims in off-site car insurance. Generally, you can choose to assess the loss at the nearest place of insurance or go back to the place where the policy is located. If you choose to go back to the location of the policy to assess the loss, you should obtain the consent of the insurance company in advance when reporting the case, so as not to be regarded by the insurance company as missing the reporting deadline;

3. Repair: When the vehicle breaks down, it is necessary to report the damage before choosing to repair, otherwise you may not be able to get car insurance.

of claims. Under normal circumstances, as long as it does not affect the normal driving of the vehicle, the owner should try not to point out that the rubber is in danger to be repaired, so as to avoid more trouble caused by going back and forth between the two places due to incomplete maintenance;

4. Compensation: There are two ways to receive the claim for auto insurance: applying for it on the spot and returning to the place where the policy is located. If the car owner is not in urgent need of the car's claim, most of the car owners are advised to choose to go back to the location of the policy to collect it.

After returning to the location of the policy, the car owner can collect it from the local insurance company with the claim materials.

To sum up, can car insurance be bought in a different place? It is still necessary to consider carefully according to the owner's own situation. However, many insurance companies have launched an online insurance platform, and car owners in different places can choose to apply online, which not only can enjoy certain discounts, but also solve a lot of troubles in remote car insurance.

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

Car insurance can be purchased in other places, but it is not recommended to buy car insurance in other places. Although you may enjoy certain preferential rates at the time of purchase, the processing speed of non-local car insurance claims is slow, and at the same time, the round-trip between local and foreign places will also increase the time burden and financial burden. Therefore, if you want to buy car insurance in other places, you can achieve the purpose of protection by purchasing ** car insurance or online car insurance, which can reduce the difficulty of many claims.

**Car insurance and online car insurance are only different sales forms of car insurance, not insurance in other places, so it is more reliable to choose these two insurance methods than to buy car insurance in other places.

1. Must buy insurance.

1. Compulsory traffic insurance.

Compulsory traffic insurance does not need to be explained too much, and you will not be able to travel on the road without buying compulsory traffic insurance.

2. Third-party liability insurance.

Third-party liability insurance, like compulsory liability insurance, is compensation for the injured third party, which is actually a supplement to the compulsory liability insurance. The payout amount of compulsory traffic insurance is limited and relatively low, with a maximum of 10,000 yuan. For third-party liability insurance, it is recommended to insure 50-1 million, and if the economic conditions are good, you can insure 1.5 million or higher.

3. Car damage insurance.

Car damage insurance is a kind of compensation for the loss of your own vehicle, and the premium of car damage insurance has a lot to do with the purchase of the car** and the number of seats. In other words, the higher the price, the higher the premium.

2. Vehicle full insurance refers to: compulsory traffic insurance + vehicle damage insurance + third-party liability insurance + deductible + vehicle personnel insurance, etc., and if conditions permit, you can also add theft insurance, glass insurance, body scratch insurance, and spontaneous combustion insurance.

1. Vehicle loss insurance: Vehicle loss insurance refers to the loss of the insured vehicle itself due to natural disasters (excluding **) or accidents within the scope of insurance liability, and the insurer shall compensate according to the provisions of the insurance contract.

2. Third-party liability insurance: Commercial third-party liability insurance refers to the direct loss of personal or property suffered by others due to the insurer's liability accident of the insured vehicle, and the insurer shall compensate in accordance with the provisions of the insurance contract.

3. Whole vehicle theft rescue: responsible for compensating for the personal damage of the personnel on the vehicle and the direct damage to the goods carried on the vehicle caused by an accident.

4. Separate glass insurance: During the parking or use of the vehicle, other parts are not damaged, only the glass is broken or broken alone, and the loss of the glass is compensated by the insurance company.

5. Spontaneous combustion loss insurance: the loss of the insured vehicle due to the failure of the circuit, line, and fuel supply system of the vehicle and the combustion of the goods carried by themselves.

6. Excluding deductible special insurance: The insurance company shall be responsible for the compensation caused by the insured accident caused by the vehicle damage insurance or the third-party liability insurance for the insured in the event of vehicle damage insurance or third-party liability insurance.

7. Liability insurance for personnel on the vehicle: If the vehicle accident causes the injury of the personnel on the vehicle, the insurance company shall be responsible for compensation.

Vehicle insurance can be purchased across provinces.

If you need a more in-depth answer, you can click the link below to receive exclusive services, and now insurance companies basically have branches all over the country, realizing the national general compensation of car insurance, and if the owner has been in the field, if there is an accident, you can go through the insurance company's remote claim channels, as long as you go to any of the insurance company's claim outlets, you can enjoy car insurance survey and damage assessment, accept claim documents, pay insurance compensation and other services.

If you need a car insurance ** comparison, you can click on the link card above to reserve your information, we have a one-to-one ** specialist to serve you.