What are the procedures for refunding commercial insurance?

If you want to surrender commercial insurance, you must first submit a surrender application through the customer service of **person or insurance company**, and remember to ask about the materials that need to be prepared for surrender. Secondly, start to prepare the surrender information, such as the surrender application signed and agreed by the policyholder, the insurance contract, the insurance premium payment certificate, the applicant's identity certificate, etc. Finally, bring the surrender materials to the place designated by the insurance company to go through the surrender procedures.

If you want to know how to reduce surrender loss, you can check out this article: How to Surrender Insurance Surrender, How Much Can Surrender Surrender, and How to Reduce Surrender Loss.

There will be slight differences in the surrender process of different insurance companies, so we must communicate with the insurance company in a timely manner and consult the corresponding surrender requirements to avoid increasing the time cost of our surrender due to incomplete information preparation and other reasons. In fact, there are many details to pay attention to when surrendering the policy, you can take a look at this article: What details should be paid attention to when surrendering the insurance?

The reason why some people want to surrender the insurance may be because when they bought the insurance, they did not understand the content of the insurance clearly, so they blindly followed the trend to buy. In fact, if you want to surrender the policy because of the insufficient amount of insurance, you can ask the ** person if you can increase the insurance, if it is because the premium is too expensive, then you can see whether the policy in your hand has the right to reduce the insurance, there is really no solution, and then choose to surrender the policy is not too late.

Therefore, we should think twice before buying insurance, and choose the most suitable insurance product for ourselves based on our actual situation. If you don't know how to choose an insurance plan, you may wish to read this article: How to buy insurance for different age groups? Everyone should have their own plan.

Each insurance company will actually have a slight difference in the surrender of the policy, but basically it is stipulated as follows: during the hesitation period, the contract is terminated, the insurance company verifies, and the insurance company handles the surrender, and the insurance company refunds the insurance premium paid without interest, which may have a cost of about 10 yuan; After the cooling-off period, we submit the application, the insurance company verifies and processes the surrender, and the insurance company will generally refund the cash value of the insurance contract within 30 days of receiving the application.

It should be noted that the surrender of the policy is generally counted as the termination of the contract from the date of receipt of the application by the insurance company. There will be a lot of details to pay attention to in the specific surrender process, you can take a look at this article: What details should be paid attention to when surrendering insurance?

First, I don't know how many years you have been buying commercial insurance or social insurance, and what type of insurance, please make it clear;

Second, if the social security person can make an appointment with his or her identity certificate, the certificate issued by the employer, and the bank card or passbook opened with his or her own certificate;

Thirdly, in the case of commercial insurance, the policyholder is requested to bring the original policy, ID card, bank card or passbook opened with his or her identity document to the customer service hall of the insurance company for direct processing. If it is inconvenient for me to go to another person to act on my behalf, I must add the power of attorney of the policyholder and the identity document of the agent to the above procedures. Of course, you can also contact the company's sales staff directly to assist you with the relevant procedures.

The procedures for surrendering commercial insurance can be handled by calling ** to the handling staff or going to the business outlets to find the counter staff to handle the surrender procedures; Both surrender and renewal of the policy require the identity card of the policyholder.

Bank card, surrender application.

Insurance policies, etc. The business management department of the insurance company issues a surrender approval. The insurance company will issue a surrender approval form based on the surrender application, which will indicate the surrender time and the amount of refundable premium, and at the same time withdraw the car insurance policy.

Go to the financial department of the insurance company to collect the refundable insurance premium. Take the surrender approval form and valid identification certificate to the financial department of the insurance company to receive the refund of the insurance premium. The documents to be submitted for surrender are as follows:

1. The surrender application form should indicate the reason and time for surrender, and the owner of the car should be stamped if it is a unit, and it should be signed if it is an individual;

2. Insurance policy, the original is required. If the insurance policy is lost, it needs to be reissued in advance;

3. Insurance premium invoices, generally need to be original, sometimes copies can also be used;

4. The identity certificate of the insured, the business license is required if the owner is a unit, and the ID card is required if it is an individual;

5. Documents proving the reason for surrender.

1. If the insured requests to surrender the policy, the applicant shall provide the application for surrender with the written consent of the policyholder;

2. Valid insurance contract and last payment certificate;

3. Proof of identity of the policyholder;

4. If the applicant entrusts another person to handle it, the power of attorney of the policyholder and the ID card of the principal shall be provided.

The procedures required for withdrawal are as follows:

1. The policyholder needs to submit a surrender application to the insurance company.

2. The insurance company shall review the surrender application submitted by the policyholder, and if it passes the review, the business management department of the insurance company shall issue a surrender approval form;

3. The policyholder needs to bring his or her ID card.

and the surrender endorsement to go to the insurance company to handle the surrender and receive the surrender fee.

After the insurance contract is signed, the parties may terminate the contract by agreement or in accordance with the laws and regulations of the country. If the policy is not in force, the insured can in principle recover the full premium, but the insurer is also entitled to charge a minimum premium or handling fee. If the insured is in the insurance policy.

If the insurance policy is cancelled in the middle of the validity period, the insurance premium shall be paid at the prescribed rate, and the insurer shall deduct all the insurance premiums and refund the balance after the insurance premiums due to the insured. If the insurer requests cancellation of the insurance policy, the unexpired portion of the premium shall be refunded to the insured on a daily basis.

Submit a surrender form to the insurance company. Write an application stating the reason for surrender and when the surrender will begin, sign it or stamp it, and give it to the business management department of the insurance company.

The business management department of the insurance company shall issue a surrender approval. The insurance company issues a surrender approval form based on the surrender application, which states the surrender time and the amount of the surrenderable premium, and at the same time withdraws the car insurance policy.

Go to the financial department of the insurance company to collect the refundable insurance premium. Take the surrender approval and valid identification to the financial department of the insurance company to receive the refund premium.

Car insurance policy, invoice, driving license, ID of the car insurance insured. The surrender must meet the following requirements, minus the number of days the car insurance is used.

Commercial insurance surrender.

1. The insurance policy of the vehicle must be within the insurance period;

2. During the validity period of the insurance policy, the vehicle can be surrendered if it 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; Vehicles that have only been reported to the insurance company and have not been compensated cannot be surrendered;

3. The policyholder repeatedly applies for insurance;

4. The insured motor vehicle is resold, transferred, or donated to a place other than the place where the vehicle registration is located (the location of the vehicle registration is divided according to the administrative division of the prefecture and city);

5. The new car is withdrawn by the seller due to quality problems or the traffic management department does not accept the relevant technical parameters in accordance with national regulations.

Surrender requirements for compulsory traffic insurance.

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

2.The insured motor vehicle is suspended;

3.The insured motor vehicle has been confirmed to be lost by the public security organs. "It is necessary for car owners to pay attention to the fact that to surrender compulsory insurance, the first thing to look at is the effective date of the policy, and if it has not yet taken effect, it can be surrendered.

Note: If the compulsory traffic insurance has been in effect, according to the Regulations on Motor Vehicle Traffic Accident Liability Insurance, if the conditions are not met, the policy will not be surrendered.

Please bring your original policy and identification documents to the insurance company's counter for processing, and you will need to fill in the surrender application form at that time.

If it is a unit car surrender, you need to stamp the official seal of the unit on the surrender application, and if it is an individual surrender, you can sign the surrender application.

When filling out the surrender form, please provide your valid bank account information (account name + account number).

If the insured is a natural person, bring his ID card, insurance policy, and invoice to the insurance company for processing; If the insured is a legal person, the surrender application form must be stamped with the official seal of the unit, in addition to the policy and invoice, it is best to bring a copy of the organization; In addition, the surrender money should be transferred, the individual should be directly transferred to the insured's account, and the unit's transfer to the personal account should receive the power of attorney of the insurance company and be stamped with the official seal of the unit, the ID card should be copied, and the insurance company should make a copy of the account number.

1. There must be an original insurance policy, if the original is lost, it is necessary to report the loss in the municipal newspaper.

2. If the policyholder is an individual, he or she needs to provide his ID card and bank account number;

3. The policyholder shall seal the surrender application and provide the bank account number of the unit.

The procedures required for the withdrawal of commercial insurance include:

1.Apply to the insurance company for surrender, for example, you can call the customer service of the insurance company ** to apply for surrender, and you can also consult the specific information required for surrender by the way, which can also avoid the situation of running in vain;

2.Prepare the surrender materials according to the requirements of the insurance company, and bring the surrender materials to the insurance company. Generally speaking, the cherry blossom material before surrender includes the policyholder's ID card, insurance policy, premium payment certificate, application for termination of insurance contract, etc., it should be noted that the application for termination of insurance contract can generally be filled in when the insurance company goes through the surrender procedures, or fill in after the official website of the insurance company, depending on the regulations of the insurance company;

3.The insurance company will review the surrender materials, and generally will recover the policy, and the surrender money will be given to the policyholder within the agreed time.

The information is not necessarily the same for each company, basically the original and copy of the ID card, the copy of the salary fold, the withdrawal deposit, and the departure form at the person management or counter office, because each company is different, it is not clear what the departure table is.