Can I get a refund after just two months of car insurance, and can I get a refund after buying a car

PICC car insurance has been bought for 1 month, and if you meet the conditions, you can surrender the policy.

In general, a surrendered vehicle should meet two conditions:

First of all, the car insurance policy must be in force.

Secondly, during the validity period of the policy, the insured vehicle has not been reported to the insurance company or made a claim, and the vehicle that has received compensation from the insurance company cannot be surrendered;

Even vehicles that have only been reported to the insurance company and have not been compensated cannot be surrendered. In terms of the specific process, the car owner needs to submit a surrender application to the insurance company, stating the reason for surrender and when the surrender will begin, and sign or affix the official seal.

After review, the insurance company will issue an endorsement indicating the surrender time and the surrender amount, and withdraw the policy. Only then can the vehicle owner claim the refundable premium with the surrender endorsement and identity card.

The refundable premium of car insurance is usually commercial auto insurance, and the insurance company calculates the refundable premium by subtracting the premium that the insurance company should charge during the effective time of the insurance, and the balance is refunded to the car owner.

The car owner can apply for surrender under the following circumstances:

The insured vehicle has been deregistered in accordance with the law; Handle the suspension of driving;

Confirmed to be lost by the public security organs; The car owner repeatedly insures compulsory traffic insurance;

The vehicle is resold, transferred, or given away to a place other than where the license plate is located;

If the new car is withdrawn by the seller due to quality problems or because the relevant technical parameters do not meet the national regulations, the traffic management department will not be allowed to go to the household.

If you want to surrender the compulsory insurance, you must first look at the effective date of the compulsory insurance on the policy, and if the policy has not yet taken effect, you can surrender the policy. If the compulsory traffic insurance has been in effect, according to the Regulations on Motor Vehicle Traffic Accident Liability Insurance, if the conditions for surrender are not met, the policy will not be surrendered.

Can I surrender the car insurance I just bought?

1. Commercial insurance: Under normal circumstances, there are no special requirements for the surrender of vehicle commercial insurance. If there is an unsettled car insurance claim case, in order to avoid affecting the claim, it is recommended to wait for the case to be closed before handling the commercial insurance surrender. If there are special circumstances, please contact the surrender department of the insured place for verification;

2. Compulsory traffic insurance: After the fee reform, the compulsory traffic insurance protection will be automatically expanded, and there is no need to surrender the insurance. Compulsory traffic insurance can be surrendered under the following circumstances:

The insured motor vehicle has been deregistered in accordance with law;

The insured motor vehicle is suspended;

The insured motor vehicle has been confirmed to be lost by the public security organs.

In general, there are two conditions that should be met for a surrendered vehicle: firstly, the car insurance policy must be within the validity period; Secondly, during the validity period of the policy, the insured vehicle has not been reported to the insurance company or made a claim, and the vehicle that has been compensated from the insurance cannot be surrendered.

Can I surrender the car insurance I just bought?

If you can return it, find an account manager who handles the business.

It should be refundable, and you need to find a salesman to apply for it.

Hello, the car insurance has been surrendered in more than 2 months, and the commercial insurance premium can be refunded for 10 months! The insurance company stipulates that the amount surrendered by the car owner is calculated according to the commercial insurance premium of 365 * (365 - the number of days insured). According to the formal vehicle transaction process, if the insurance of the car has not expired, after the vehicle, the balance of each insurance can be withdrawn.

Car insurance is mainly composed of three departments, commercial insurance, compulsory traffic insurance, vehicle and vessel tax, compulsory traffic insurance and vehicle and vessel tax are not refundable, but commercial insurance can be refunded, you can bring a driving license, ID card, bank card, insurance policy to the insurance business hall for surrender, after the successful processing, the insurance company will be able to refund the money to the customer to the card designated by the customer.

Legal analysis: 1. The insurance company stipulates that the amount surrendered by the car owner is calculated according to the commercial insurance premium of 365 (365 - the number of days insured). According to the regular vehicle transaction process, if the vehicle's insurance is not empty and the socks have expired, the balance of each insurance can be refunded after the vehicle**.

2. Insurance experts specially remind that insurance companies handle surrender by the number of days. The refundable premium is calculated by subtracting the premium payable by the insurance company during the effective period of the insurance, and the remaining balance is the insurance premium that should be refunded to the customer.

3. To surrender the compulsory insurance, the first thing to look at is the effective date of the compulsory insurance on the policy, if the compulsory insurance policy has not yet taken effect, you can handle the surrender. However, if the compulsory traffic insurance has taken effect, according to the "Regulations on Motor Vehicle Traffic Accident Liability Insurance", after the compulsory traffic insurance takes effect, if the conditions for surrender are not met, the insurance will not be surrendered.

Legal basis: "Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability" Article 16 The insured shall not terminate the compulsory insurance contract for motor vehicle traffic accident liability, except for any of the following circumstances: (1) the insured motor vehicle is deregistered in accordance with the law; (2) The insured motor vehicle is suspended; (3) The insured motor vehicle is confirmed to be lost by the public security organs.

The insurance can be refunded after two months, but at this time the policy has passed the hesitation period, the insurance company will deduct the company's operating expenses, the cost of the protection has been borne, and the salesman's commission will return the remaining money to the policyholder. Generally, if you want to surrender the policy, you can choose to surrender the policy during the hesitation period, at this time, the insurance company will deduct the cost of about 10 yuan at most, and the remaining costs will be refunded to the policyholder, so it is more cost-effective, if you are not satisfied with your insurance, you can seize this good opportunity.

Extended information] 1. What are the losses of insurance surrender.

1.Economic loss.

If the insurance is surrendered after the hesitation period, the money that can be taken back is very limited, and you can only get back the cash value of the policy, and the cash value of the policy is increased according to the number of years of payment.

2.Premiums increase.

Because the premiums of most insurance companies on the market have a lot to do with the age of the insured, the higher the age, the more expensive the premium, and the age you will definitely increase after you surrender the policy, so the premium will be a little more expensive than before.

3.Guarantee the gap period.

Generally, we will have a waiting period after buying insurance, and if the insurance is out during the waiting period, the insurance company will not compensate, so we must pay attention.

Second, how to refund insurance can reduce losses.

1.Reduction reduction.

If you don't want to continue paying the premiums after purchasing the insurance, you can use the policy's reduced payment function to use the current cash value of the policy as the full premium for the later period, and pay it all at once. In this way, you can reduce the pressure of paying your bills, but the policy is still valid, but the sum insured will be lowered a little, which will be a little better than surrendering the policy.

2.Automatic padding.

Some policies also have the function of automatic advance, the difference between him and the reduction payment is that the sum insured will not change in any way, but his protection period will be a little shorter than before, and the cash value of the policy is also used to deduct the premium, and the policy will be terminated after the cash value is used up.