When is car insurance renewed, and how long can car insurance be renewed

There are many disputes about early renewal:

Car owner B: Whether you renew the insurance in advance or when it is about to expire, you can never escape the number of accidents!

Then the question is: when is the best time to renew the warranty?!

When is the insurance policy renewed early?

According to the regulations of the insurance company: the renewal of commercial auto insurance can be allowed 90 days in advance, that is, 90 days before the expiration date of the vehicle insurance, the car owner can apply to the insurance company for renewal.

1. After the renewal of the insurance, the number of accidents is recorded in the next year.

Since the reform of car insurance, the number of trips has been linked to the amount of car insurance purchased in the following year. The more times the car owner goes out of insurance each year, the cost of renewing the insurance will increase accordingly, and it will increase a lot.

However, many car owners believe that if they renew the insurance in advance, they can get the premium discount for the second year if they do not have an insurance in the first year when they renew the policy, and the policy of the second year has not yet taken effect at this time, and the insurance record should be counted in the first year.

In fact, as long as you renew the policy, the number of accidents will be counted in the second year's policy. Although you get a discount on the premium for the second year, you still have one more number of trips in the third year, and you still can't avoid the number of trips.

For example, Mr. Li's car insurance last year was more than 4,600 yuan, and the insurance expired in August last year, and at the suggestion of the insurance company, Mr. Li renewed the insurance policy 2 months ahead of schedule (that is, it was renewed in June last year). Since Mr. Li had not been out of insurance in the first year, the insurance company gave a 7% discount when renewing the policy, and only paid about 3,200 yuan.

However, around July last year, Mr. Li took out car insurance because of a traffic accident. Then this time the number of car insurance will be credited to last year, and this year's premium will be affected.

Under normal circumstances, major insurance companies will remind car owners to renew their insurance in time 3 months in advance, to avoid car owners naked on the road, in addition to insurance companies will have some preferential activities, car owners can shop around in advance, combined with their own situation, a few days in advance to determine the purchase.

2. After the renewal of the policy, the insurance time is not necessarily continuous.

If the car owner has purchased a paper policy, the renewal will be immediately followed by the lapse of the previous policy, and the new policy will take effect immediately.

However, if the owner has an e-policy and is not activated, the vehicle may be out of warranty for a period of time. If the car owner unfortunately has a traffic accident at the time of the insurance break, the insurance company will refuse to pay the claim.

So when is the best time to renew your policy?

In order to avoid the situation that the car owner's car insurance is vacant, it is recommended that all car owners remember the expiration time of their car insurance, and it is best to renew the insurance about 7 days in advance, so as to avoid the occurrence of many people and miscellaneous situations on the same day, which will affect your renewal work.

Don't get out of insurance on the road.

Although the warranty cannot be renewed too many days in advance, car owners cannot delay it again and again. Under normal circumstances, if the insurance is renewed within 1 month, the rate remains the same, and the benefits can still be enjoyed, but the insurance company will not pay for the accident that occurs during this period. In addition, if the compulsory traffic insurance is out of insurance, even if it is one day, the traffic police will detain the vehicle until the insurance is insured according to the law, and impose a fine of twice the insurance premium that should be paid according to the minimum liability limit of the insurance.

Moreover, the renewal of the vehicle after the insurance is out of insurance also needs to re-inspect the car, which increases the insurance procedures and wastes time.

Generally speaking, car owners only need to renew the car before the expiration of the insurance according to their actual situation. The time for early renewal varies from region to region, ranging from 1 month to 3 months. If you choose a different insurance company to insure your car, you will also enjoy different levels of renewal reminders.

It is recommended that car owners should consider and understand in advance, the insurance can be purchased about a month before the expiration of the insurance, do not wait until the expiration of the purchase, if not timely insurance, it may cause out of insurance.

Car insurance is generally renewed 1 month in advance.

The car owner can also decide how early to renew the insurance, but the car insurance should not be purchased in advance at the earliest, no more than 3 months before the end of the insurance period of the previous year. However, if the car insurance expires accidentally, the car owner should pay it as soon as possible, otherwise the car insurance may not be able to enjoy the relevant discounts after the expiration date, and the premium may also rise. The longest areas of compulsory liability insurance and commercial insurance can be renewed 90 days in advance, and the shortest areas can be renewed 30 days in advance.

Within the limited renewal period, choose the best ** discount point for renewal. When renewing the insurance policy, car owners can choose a car insurance combination based on the age of the car and the age of the car. In the third year of vehicle use, it may be necessary to pay attention to spontaneous combustion caused by aging circuits, and it is very necessary to spend a few hundred yuan to purchase spontaneous combustion insurance.

For owners of high-end cars and luxury cars, it is recommended to purchase separate glass damage insurance for the first four or five years.

Generally speaking, it is more appropriate to renew car insurance about half a month before it expires. Commercial insurance can generally be purchased three months in advance, compulsory traffic insurance can be purchased one month in advance, and it is best to purchase about half a month in advance to avoid the vehicle being out of insurance caused by not purchasing insurance in time and ensure that the vehicle is on the road normally.

Extended Information: Insurance is a Chinese word that originally means 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.

Commercial insurance refers to a form of insurance that is operated by a specialized insurance company for the purpose of profit through the conclusion of an insurance contract. The commercial insurance relationship is a contractual relationship voluntarily concluded by the parties, in which the policyholder pays the insurance premium to the insurance company according to the contract, and the insurance company bears the responsibility of compensating for the property losses caused by the possible accidents as agreed in the contract.

Personal accident insurance, also known as accident insurance, is also known as personal accident insurance. It refers to an insurance in which the policyholder pays a certain amount of premium to the insurance company, and when the insured suffers an accidental injury during the insurance period and dies or becomes disabled as a direct cause, the insurance company pays a certain amount of insurance money to the insured or beneficiary in accordance with the provisions of the insurance contract. It is short-term, flexible and has low premiums.

Social insurance refers to a social security system that collects insurance premiums to form social insurance**, and is used to provide basic living security for members who lose their ability to work or lose their job opportunities due to old age, illness, maternity, disability, death and unemployment.

You can buy insurance 40 days before the expiration of your car insurance, as long as you want it before it expires.

In addition, the renewal time of car insurance should not be later than the end date of the insurance period, because the renewal time should not be later than the end date of the insurance period, because once there is a "out of insurance" situation, in addition to not being able to enjoy insurance protection, the vehicle "out of insurance" for more than three months will not be able to enjoy the preferential treatment of no compensation, and the rate will rise accordingly, and the premium**. Moreover, it is necessary to re-inspect the car after renewing the insurance after "getting out of insurance", and the insurance procedures are more complicated.

Car owners need to pay attention to the insurance method, renewal time, addition and deletion of car insurance types and other matters. The specific description is as follows:

1. Choose the right insurance method. There are many ways to renew the car insurance, there are traditional offline insurance methods, that is, the owner directly goes to the insurance business hall to handle car insurance, in addition to the car owner can also choose the ** car insurance insurance method and online car insurance insurance method. But no matter which way you choose to renew your car insurance, the owner must remember to choose a regular insurance company or a first-class organization, even if you renew your car insurance online, you must log in to the official or professional third-party platform of the insurance company, because the insurance industry is getting bigger and bigger, and it gives a lot of criminals an opportunity, and there are many staff who pretend to be insurance companies to defraud car owners of their money.

2. Choose a renewal time. When car owners renew their cars, it is also very important to choose a good renewal time, and it is not too early or too late to renew the car. Some car owners are busy with work, often forget to renew the car on time, often take off for a long time to remember, this time is not out of the insurance is good, once out of insurance, so the cost has to be borne by the owner, so the owner must renew the insurance on time to avoid insurance out.

However, the renewal can not be too early or too late, the owner of the car best choose the previous year's number of insurance to expire about two days before the expiration of the renewal of the insurance, because the car insurance is generally from the date of renewal, 24 hours later, so that you can effectively avoid getting out of insurance.

3. Pay attention to the addition and deletion of car insurance types. When the car owner renews the car insurance, he should also pay attention to adding and deleting some car insurance types, because the car insurance insurance type insured in the previous year may not be suitable for the car owner, it may be that the car owner insured the car in the previous year, but after the accident, the chain suspect is not within the scope of the insured car insurance, or some car insurance insurance is not used in ordinary cars. Therefore, when renewing car insurance in the second year, car owners should pay attention to the addition and subtraction of car insurance options according to their actual situation.

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.

There is no time limit for car insurance renewal, but the time for early purchase varies from region to region. Normally, commercial insurance can be purchased up to three months in advance, and compulsory traffic insurance can be purchased one month in advance. The early renewal time varies from city to city, so you need to check with your local insurance company.

Compulsory traffic insurance is a statutory mandatory insurance and is effective immediately, while commercial insurance has not yet been opened even if it takes effect, so the best renewal time is 5 to 10 days before the expiration of car insurance.

For example, some can be purchased 30 days in advance, and some can be purchased 40 days in advance. For example, in some regions, commercial insurance can be purchased 30 days in advance, while compulsory traffic insurance can be purchased 90 days in advance. For more information, please contact your local insurance company.

For car insurance policies that have been insured in the previous year and are about to expire, it is necessary to consider renewing the policy. When the owner's insurance period is approaching, it will be reminded one month ago, and the person in charge of insurance will also call ** or send a text message to notify the owner to renew the insurance in time at different times. If there is no time limit for renewal, the owner can choose independently.

If the vehicle is used in other places for a long time, when renewing the local insurance, the relevant information should be provided to the client to avoid delaying the renewal. Tip: If you want to keep your renewal cost low, you need to maintain a good driving record, so that the premium will be greatly reduced.

Extended Information: What to pay attention to when renewing car insurance:

1. Renewal needs to be purchased in advance After the previous policy lapses, the new policy will take effect immediately, and it is recommended to purchase it within one to two weeks in advance.

2. The choice of insurance company It is recommended to choose a domestic insurance company with a good reputation and large scale in the renewal of insurance to avoid problems in claims. 3. The choice of renewing car insurance New cars can appropriately choose to buy more types of car insurance, if it is a older car to buy too much insurance is obviously not cost-effective, but it does not mean not to buy, old cars are still more prone to problems, it is recommended to buy spontaneous combustion insurance. For example, the insurance of the three insurances of the Sakura clan protects the other party's personnel and property damage, and it is recommended to buy a higher insurance amount, because the performance of the old car may be poor, and it is easy to brake failure and other problems.

4. There was no accident in the previous year, and the renewal premium is related to the number of insurance in the previous year, if there is no insurance in the first year, then the compulsory traffic insurance in the second year is discounted by 10%, and the commercial insurance is about 30% discounted, and the specific rate can be asked by the local insurance company.