How to transfer the insurance after the car is transferred

1- Insurance needs to be transferred.

2- There are two ways to deal with an insurance policy:

1) Change the subject of the policy. The new owner can go to the old insurance company to fill in a vehicle transfer application form with the transfer procedures, vehicle registration certificate, copy of driving license, original insurance policy, owner ID card, and original insurer ID card, and then you can successfully complete the insurance transfer procedures of the vehicle. Friendly reminder:

There is no charge for closing an insurance account with an insurance company.

2) Apply for surrender. If you feel that the above-mentioned second-hand car insurance transfer procedures are more troublesome, you can also apply for surrender directly, that is, stop the original car insurance. To apply for surrender, you only need to pay the premium from the beginning of the application to the surrender period, and the insurance company will refund the rest of the expenses.

After the policy is surrendered, the new owner can choose the insurance company again. The policy and the original owner's ID card are required for surrender, and the driving license and second-hand car transfer certificate are required for new insurance.

3- The dangers of not having used car insurance:

After the transfer of ownership of a second-hand car, you must change the insurance as soon as possible. If it cannot be changed in time, the new and old owners of the vehicle need to be present at the same time to settle the claim after the accident.

4- Article 50 of the Tort Liability Law stipulates that "if the parties have transferred and delivered the motor vehicle by way of sale and other means but have not registered the transfer of ownership, and the motor vehicle is the responsibility of one party after a traffic accident occurs, the insurance company shall compensate within the limit of the liability of the compulsory insurance of the motor vehicle." For the insufficient part, the transferee shall be liable for compensation. This article affirms that the insurance company shall still be liable for compensation after the motor vehicle has been delivered but not registered.

After the transfer of ownership of the vehicle, both the compulsory traffic insurance and the commercial insurance can be changed, and the commercial car insurance can be directly transferred to the buyer along with the car; Refunds are also available. It should be noted that compulsory traffic insurance cannot be refunded. For commercial insurance, the insurance company calculates the refundable premium, which is to subtract the premium payable by the insurance company from the premium payable at the time of insurance application, and then return the balance to the car owner.

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The transfer of vehicle ownership insurance first requires the parties to write an application for the transfer of automobile insurance, indicating the insurance policy number, license plate number, name of the new and old car owners and the reason for the transfer, and sign or seal; Then bring the original insurance policy and driving license, go to the business management department of the insurance company, and the insurance company will issue an approval for the change of the insured, which indicates the changes of the insured, so as to complete the insurance transfer procedures.

Car insurance generally comes in the following types:

1. Compulsory traffic insurance: compulsory traffic insurance is a kind of compulsory insurance, and it cannot be listed on the road without buying;

2. Third-party liability insurance: Third-party liability insurance is a supplementary insurance for compulsory traffic insurance, which mainly compensates the third party who is injured in the accident;

3. Car damage insurance: car damage insurance is mainly to protect the body of the car itself, if the car is damaged, you can apply for compensation;

4. On-board personnel insurance: On-board personnel insurance is a kind of accidental medical insurance purchased for passengers on the bus, which mainly protects the health of passengers in accidents;

5. Other additional insurance: If the vehicle is more expensive, you can also purchase theft insurance, glass insurance, body scratch insurance, spontaneous combustion insurance, etc.

For the resale, transfer, donation, or change of use of the insured vehicle, the insured shall notify the insurance company in writing in advance and apply for correction. Once the insured vehicle is transferred, the original policy will be declared invalid.

According to the relevant information, when driving a motor vehicle on the road, the motor vehicle number plate shall be hung, the inspection mark and the insurance mark shall be placed, and the motor vehicle driving license shall be carried with the vehicle. The number plate of the motor vehicle shall be hung in accordance with the provisions and kept clear and complete, and shall not be deliberately covered or defaced. No unit or individual may confiscate or detain a motor vehicle license plate.

During the validity period of the insurance, if the insured is re-sold, transferred, given away or the use is changed, the insured shall notify the insurance company in writing and apply for correction, otherwise the insurance company has the right to refuse compensation.

The process of insurance transfer after the transfer of ownership of the car is as follows:

1. The original owner fills in an application form for the transfer of vehicle insurance;

2. The original owner or agent should bring the vehicle insurance documents, driving license and other relevant supporting materials to the insurance company to change the insured;

3. The original owner or agent fills in the information of the insured's change endorsement, and finally completes the corresponding vehicle insurance transfer process after processing.

What information is required for car insurance transfer.

The information required for the transfer of car insurance is as follows:

1. The new owner needs to provide ID card, new vehicle registration certificate, new driving license, and transaction bills;

2. The original owner needs to provide ID card, vehicle transfer transaction invoice, and original insurance policy.

Legal basis: Article 49 of the Insurance Law of the People's Republic of China.

If the subject matter of insurance is transferred, the transferee of the subject matter of insurance inherits the rights and obligations of the insured.

In the case of the transfer of the subject matter of insurance, the insured or the transferee shall notify the insurer in a timely manner, except for the cargo transportation insurance contract and the contract otherwise agreed.

If the degree of danger increases significantly due to the transfer of the subject matter of insurance, the insurer may, within 30 days from the date of receipt of the notice provided for in the preceding paragraph, increase the insurance premium or terminate the contract in accordance with the contract. If the insurer terminates the contract, it shall refund the insurance premiums already collected to the policyholder after deducting the part receivable from the date of commencement of insurance liability to the date of termination of the contract in accordance with the contract.

If the insured or the transferee fails to perform the notification obligation provided for in the second paragraph of this article, the insurer shall not be liable for the compensation of the insurance money for the insured accident that occurs due to the significant increase in the risk of the insured object due to the transfer.

Here's how to transfer car insurance:

1. You can bring the relevant information to the insurance company to go through the transfer procedures; Generally, the personal ID card, driving license, car insurance transfer application, etc. of the new owner and the original owner are required, and the specific information can be asked by the insurance company;

3. The transfer of car insurance can also be carried out by applying for surrender by the original owner, but the original owner also needs to fill in the reason for surrender when handling the surrender;

4. If the surrender of compulsory traffic insurance needs to meet one of the three reasons why the insured vehicle is cancelled according to law, handled and suspended, or confirmed by an authoritative organization to be lost, it can be refunded;

5. After the original owner surrenders the insurance, the new owner can purchase car insurance by himself.

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.

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The transfer of used car insurance is a change to the content of the policy, and the specific operation steps are as follows:

1. Write an application for the transfer of car insurance, indicating the insurance policy number, license plate number, name of the new and old car owners and the reason for the transfer, and sign or seal it, and need to be present with the new and old car owners;

2. Bring the original insurance policy and driving license, and find the business management department of the insurance company, and they will issue an endorsement for the change of the insured, which indicates the changes of the insured, so as to complete the auto insurance transfer procedures.

3. When making a claim, this endorsement must be used together with the original insurance policy to be valid.

Note: According to the different regulations of various insurance companies, sometimes you can directly handle the transfer of ownership with documents or according to the new regulations of the car in whose name the insurance is who, without the presence of new and old car owners, it is recommended that you consult the insurance company before processing, in order to save time.

1. First of all, the owner needs to fill out a car insurance transfer application.

2. Then the owner of the car will carry the state insurance policy. The license goes to the insurance company and submits it to the insurance company for review.

3. The insurance company will issue an endorsement after review. You can complete the transfer of car insurance.

4. Need attention. The transfer of car insurance requires the presence of both new and old car owners, and it is necessary to prepare the original policy invoice, vehicle transfer transaction invoice, property registration certificate or exercise certificate, and the identity certificate of both parties to the transaction.