If I don t have a license plate for a new car, can I buy insurance?

If the car is not licensed, you can buy insurance.

To buy insurance for a vehicle, the most important information is the frame number, the frame number is like a personal ID number, which is unique, and each frame number is a one-to-one correspondence with a car. So as long as the new car is sure to buy the car, you can be ready to buy insurance for it.

When buying insurance, you need to enter all the information of the car, of which the frame number is the information that must be entered, as long as the frame number is recorded, the insurance company will know which car this policy is to insure. It's like the police station is looking for a person, as long as you know the ID number, you can check who a person is.

However, the license plate number is not mandatory.

The license plate number is not the same as the frame number, and the license plate number can be transferred. Once the license plate number is transferred, it belongs to another vehicle. When insuring the vehicle, it is not the license plate number, so when buying insurance, determining the frame number is more important than determining the license plate number.

For new cars, we often pay the down payment, the 4S store will help us buy insurance, at this time the license plate number of our car has not been determined, but it can still be purchased. So what about the license plate number behind us?

First of all, for the car that has not yet selected the license plate, the insurance company will leave blank in the vehicle license plate number information column, and the owner can wait for the number plate selection before applying for it. Or don't know that it's okay to make up in **, or even not to make up. Because as long as the frame number is determined, it is recommended to complete the information.

In fact, from another channel, we can also know that you can buy insurance without a license plate number. It is that the salesperson of the 4S store will ask us to buy insurance as soon as we buy the car, because they know best, and the frame number is the most important. And those who have reported insurance know that when the staff of the insurance company asked us to upload **, they all asked to shoot the frame number, and did not specifically ask to shoot the license plate number, mainly for this reason.

OK. If the new car is not licensed, you can buy insurance, but you must apply for a temporary license plate for the vehicle.

Because if there is no temporary license plate, the vehicle is out of insurance, although it is not within the scope of the deductible of compulsory traffic insurance, but it does not belong to commercial insurance.

Scope of liability, that is, if the vehicle is in danger, commercial insurance will not compensate, and the insurance company usually believes that the motor vehicle can only be driven on the road after obtaining a license in accordance with the law. It is clearly stipulated in the terms of the insurance company's commercial third-party insurance and motor vehicle loss insurance. Therefore, in the case of an unlicensed new car, the insurance company will not be liable for compensation if the license plate was not hung at the time of the accident.

Extended information: 1. Do you want to buy car insurance with absolute deductible?

You can buy it or not, car insurance absolute deductible is not compulsory insurance.

To put it simply, the absolute deductible of car insurance means that when the insurance company makes a claim, a certain percentage of the amount will be waived, and the insured will have to bear a certain amount of loss. For example, if the contract stipulates an absolute deductible.

If it is 200 yuan, the loss is less than 200 yuan, the insurer will not compensate, if the loss is 800 yuan, then the insurance company will only compensate 600 yuan.

2. How long does it take for the car insurance to expire and it can be renewed normally?

If the car insurance cannot be renewed normally once it expires, if the car insurance expires, the vehicle will have to be re-examined. However, if the expiration time of the car insurance is within three months, the car owner can still enjoy the discount of renewal, and the renewal of the compulsory traffic insurance for three months will no longer enjoy the discount. If the user has purchased commercial auto insurance.

If the car insurance expires for three months and then renew, there will be a certain amount of additional costs.

3. How to refund the car insurance.

The process for surrendering a car insurance policy is as follows:

Submit an application.

First of all, the insured should prepare the surrender application in advance, explain the reason for surrender and the specific surrender time, and then submit it to the counter of the insurance company's business outlets.

Issuance of Surrender Approval: The insurance company will review the surrender application, and after the approval is approved, it will issue a surrender approval form, which indicates the surrender time and the amount of premium to be refunded.

To receive a refund of premium: The insured person can bring his or her ID card.

Collect the refunded premium at the insurance company's branch.

4. Is car insurance paid once a year?

Yes, it is paid once a year. It is important to know that car insurance purchased for a short period of time is covered for at least one year. As long as the car wants to be on the road, then you need to pay a car insurance policy. Otherwise, the car will be impounded by the vehicle management department.

It is not possible to buy insurance, so you should go to the license plate as soon as you buy a car, so that you can buy the corresponding insurance.

You can buy insurance, but you need to pay compulsory insurance according to national regulations, and then you can apply for a license normally.

If you don't have a license plate for a new car, you can buy insurance, but you need to apply for a temporary license plate. A new car can only be used on the road if it has a temporary licence. Otherwise, even if you buy insurance, you will not be able to make a claim.

If the car is not licensed, it is basically not possible to buy insurance, because when buying insurance, you need to register the driving number plate.

Buy insurance for a new car without a license: You can buy insurance for a new car without a license, but it is a new car without a temporary license plate, which does not belong to the scope of liability exemption of compulsory traffic insurance, and compulsory traffic insurance must be compensated, but it belongs to the scope of liability exemption of commercial insurance, and commercial insurance does not pay at this time.

In the case of an unlicensed new car, the insurance company will not be responsible for compensation if the insured vehicle does not have a license plate at the time of the accident. Because the insurance company usually believes that the motor vehicle should be licensed in accordance with the law before it can be put on the road, it is clearly stipulated in the terms of the insurance company's commercial third-party insurance and motor vehicle loss insurance.

Extended information: Most types of insurance can take effect when a vehicle with a temporary license plate is in danger, but it is not effective in theft insurance, because it is stipulated in theft insurance that the insurance can only take effect after the new car has a formal license plate. Therefore, in order to avoid such denial of compensation, consumers should apply for a temporary license in advance before purchasing insurance.

I believe that many new cars will be very confused when buying vehicle insurance, after all, there are so many types of car insurance, which is a bit dazzling. So how do we buy insurance when we buy it? Do you have any tips?

Although there are many types of auto insurance, they can be roughly divided into two parts, namely compulsory traffic insurance and commercial insurance. Among them, commercial insurance can be divided into two categories: basic insurance and additional insurance.

The basic insurance mainly includes: vehicle loss insurance, third-party liability insurance, vehicle occupant liability insurance and vehicle theft insurance.

Additional insurance mainly includes: glass breakage insurance, wading driving insurance, spontaneous combustion insurance and deductible insurance.

Here are five types of insurance that you can basically deal with most of the situations faced in vehicle accidents after purchasing the following five types of insurance.

Compulsory traffic insurance. The full name of compulsory traffic insurance is compulsory motor vehicle traffic accident liability insurance, which is compulsory insurance that must be purchased by national law.

Third Party Liability Insurance.

Third-party liability insurance is a type of insurance that covers the risk of direct damage to the person or property of a third party after a traffic accident occurs when the insured or a qualified driver allowed by the insured or the qualified driver allowed by the insured is involved. To put it simply, third-party liability insurance is insurance that pays out the amount of compensation to a third party who has suffered an injury. Its insurance rate is as high as 99%.

Vehicle damage insurance.

Vehicle damage insurance refers to the type of insurance in which the insurer needs to pay corresponding compensation when the insured vehicle suffers from natural disasters and accidents within the scope of insurance liability, resulting in damage to the insured vehicle.

Liability insurance for people on board.

Occupant Liability Insurance is also known as Seat Insurance. It refers to the insurance that the insured or the qualified driver allowed by the insured has a traffic accident in the process of driving the insured vehicle, resulting in the occupants of the car**, and the compensation shall be borne by the insured according to the law, and the insurance company will compensate in accordance with the insurance contract.

Deductible not included.

The insurance company will have an accident deductible of up to 20% according to the liability of the insured vehicle in the accident, and the part of the compensation that should have been borne by the insured is transferred to the insurance company.

Summary. *Precautions for new car purchase and insurance**

1. New car insurance purchase and requirements**

New cars are usually insured when they are not licensed, and they must have compulsory insurance to be licensed.

When customers buy insurance in 4S stores, they are usually told that "the insurance will take effect after 24 hours, but the theft insurance will not take effect until the official license is issued".

2. Information required for the license plate of the new car**

Identity card. Automobile certificate of conformity.

Automotive data sheet.

Two and four car invoices.

Automobile purchase tax.

Car insurance policy. 3. Key clauses in the insurance contract**

In the insurance contract, there is a clear provision in the column of "exemption from insurance liability": in the event of an accident, unless otherwise agreed, the insurer shall not be liable for compensation if the vehicle does not have a valid driving license, license plate or temporary license plate or temporary moving license issued by the traffic management department.

Fourth, the necessary steps before the new car is on the road**

The day after buying a car, a new car cannot be put on the road immediately.

Vehicle owners need to go to the vehicle management station in each district to apply for a temporary license plate, and place it on the car, and then drive to the vehicle management office to apply for an official license plate. Otherwise, if an accident occurs during the insurance vacuum period, the insurance company will not pay the claim.

Can I buy insurance for a new car without a license plate?

If you don't have a license plate, you can buy insurance. A new car can also be insured without a license plate, but it should be noted that commercial insurance does not bear insurance liability according to the insurance contract in the absence of a car number. Therefore, after purchasing insurance, it is necessary to go through the registration procedures as soon as possible, and after the auction, you also need to go to the insurance company to go through the correction of the increase in the car number.

New Car Insurance & Licensing Instructions**

1. New car insurance purchase**

New cars are usually insured when they are not licensed, and compulsory insurance is required to be licensed.

2. Information required for the license plate of the new car**

1.Identity card.

2.Automobile certificate of conformity.

3.Automotive data sheet.

4.Two and four car invoices.

5.Automobile purchase tax.

6.Car insurance policies, etc.

III. Insurance Effectiveness and Exclusion Clause**

When customers buy car insurance at 4S stores, they are usually told that "the insurance will take effect after 24 hours, but the theft insurance will not take effect until the official license is issued".

The vast majority of customers do not notice that the following provisions in the "Insurance Liability Exemption" column of the insurance contract are: in the event of an accident, unless otherwise agreed, the insurer shall not be liable for compensation if the vehicle does not have a valid driving license, license plate or temporary license plate or temporary moving license issued by the traffic management department.

Fourth, the new car on the road and the official license plate**

The day after buying a car, the new car cannot be directly on the road. The owner of the vehicle needs to first go to the vehicle management station in each district to apply for a temporary license plate, and place the temporary license plate on the car, and then drive to the vehicle management office to go through the formal licensing procedures. Otherwise, although the new car is insured, there is a period of insurance vacuum.

If an accident occurs during this period, the insurance will not cover the claim.

Commercial insurance is bought.

If an accident occurs during the unlicensed time, the insurance company will not pay the claim.

Do I have to go to the insurance company to change the license? Is it possible on a mobile phone?

If you want to change the insurance policy after the license plate of the new car, the owner should quickly go to the insurance company to go through the license plate correction procedures after handling the license plate number.

New cars can be insured without a license plate.

The insurance of a new car without a formal license plate and without a temporary license plate does not fall within the scope of liability exemption of compulsory traffic insurance, and compulsory traffic insurance must be compensated; However, it is within the scope of liability exemption of commercial insurance, and commercial insurance does not pay compensation.

If the commercial insurance does not have a car number, the insurance company does not bear the insurance liability according to the insurance contract, so after buying the insurance, you must go through the registration procedures as soon as possible, and go to the insurance company to increase the number of the car after the listing.

Can I buy insurance for a new car without a license plate? According to the experts of Baoge.com, under normal circumstances, it is not allowed to buy vehicle insurance without a license plate, and if you need to get car insurance, you must not only apply for a temporary license plate, but also need to make a separate agreement with the insurance company in advance on the "temporary license plate". Which insurance company is strong, I just sorted out the relevant content, I hope it will help you:

The latest list! Ranking of the top 10 insurance companies in the country.

Can I buy insurance for a new car without a license plate? Under normal circumstances, temporary license plates are not allowed to buy vehicle insurance, and the Insurance Law only has general provisions on this, and there are no specific provisions. If you need to get car insurance for a temporary license plate, you need to make an agreement with the insurance company in advance.

Then, the owner of the new car provides the last 6 digits of the engine number, you can buy new car insurance through the insurance company's stores, ** or ** sales channels, and after the insurance company issues a policy, the owner goes to the vehicle management office to go through the procedures such as licensing. After the owner gets the license number, he can notify the insurance company of the license plate number**.

It is understood that if the insurance is within the validity period of the temporary license, the insurance company will be responsible for compensation in accordance with the agreement; However, once the temporary license plate expires, the insurance company will refuse to pay even if you have purchased car insurance. Because only cars that meet the regulations of the traffic management department and have road qualifications can get insurance claims, there is no road qualification without a license plate. Therefore, a temporary license plate is not equivalent to "temporary car insurance", and it is necessary to officially register as soon as possible after purchasing a new car.

It is worth reminding that after agreeing with the insurance company and purchasing car insurance for your car with a temporary license plate, once the temporary license plate expires, the insurance company will refuse to pay compensation.