How about buying a second hand car without commercial insurance

As far as the current situation in Nantong is concerned, generally more than 3 times in a year, it will be designated as a high-risk group, and the group will generally refuse to insure, if you have acquaintances, you can enter so-so, but the rate will be raised a lot, 30%, 40%**, if more than 4 times or the direct insurance company loses money, directly refuses to insure, you enter the blacklist, and now the insurance company resources are shared, no matter which one you run, it is the same, now there are many cars in the city, there are still a lot of people who encounter this situation, so now there is a little bit of a small problem It's better to pay your own money... Otherwise, the most he can do is give you a compulsory insurance policy (which is a choice that he has to drop. You can complain about commercial insurance or something, you can't get it, and in general, it's better to be careful when driving.

I don't care if the insurance company makes us that little money. It's best not to be in danger for the rest of your life

Generally, the vehicle will be classified into the "blacklist" of the contracting company after 5 times of insurance, and will not continue to cooperate with your vehicle insurance business in the next year. Of course, the claims system of insurance companies is now linked, even if you go to other companies to enter, they may not necessarily want it, if you do, according to the number of times you have insured, increase a certain amount of insurance. What I do know is that as long as your vehicle has been insured, there will be no discount in the next year, and you will add 10% for three accidents, 20% for four times, and 30% for five times.

Yes. The transfer of second-hand car insurance is mainly divided into two types: changing the policy elements and applying for surrender and re-insurance. The former is to change the insured and the car owner, and the insurance content remains unchanged.

The latter is to return the original car insurance, pay the premium of the car from the beginning of the insurance to the surrender period, and the new owner can go to any insurance company to re-insure.

The transfer of insurance shall be handled after the change of the owner's information of the "Motor Vehicle Registration Certificate" and the receipt of the vehicle number plate and new driving license. If you buy a car in another place, the insurance does not necessarily have to be transferred, and the original commercial insurance can be refunded, but the compulsory traffic insurance must be retained.

Change of Policy Subject:

1. The first is the change of compulsory traffic insurance. In accordance with the provisions of the Regulations on Compulsory Traffic Insurance, in the purchase and sale of second-hand cars, compulsory traffic insurance cannot be surrendered in principle. The only situation that can be surrendered is when the vehicle is in a different place**, at which time the new owner can pay another compulsory traffic insurance at the place of settlement.

In this case, the new owner needs to go to the original owner's insurance company to surrender the insurance policy with his ID card, new driving book, second-hand car transfer procedures and new compulsory traffic insurance policy.

2. The second is the timely change of commercial insurance. After the transfer of ownership of a second-hand car, we must not only pay attention to the transfer of compulsory traffic insurance, but also pay attention to the matters of commercial insurance. To purchase a second-hand car locally, the new owner and the original owner need to go to the original insurance company with the original insurance policy, ID card, new driving book and transfer certificate to make changes.

3. For second-hand cars purchased in other places, because some insurance companies cannot underwrite in other places, you can let the original owner go to the insurance company to return the commercial insurance, and then go back to the place where you settle down to buy new commercial insurance. If it is an insurance company that is insured nationwide, the company in the place where the file is raised can contact the company in the original place of insurance to consult about matters related to the transfer procedures.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Summary. Hello, it is okay to buy a second-hand car without buying commercial insurance, only compulsory traffic insurance is compulsory to be purchased by the state, and the rest can be purchased according to personal wishes.

Is it okay to buy a used car without commercial insurance?

Hello, it is okay to buy a second-hand car without buying commercial insurance, only compulsory traffic insurance is compulsory to be purchased by the state, and the rest can be purchased according to personal wishes.

How much is the strong insurance a year.

$950 for private cars with less than six seats.

Five-seater. Five is also nine hundred and five.

The car premium is related to the number of accidents in the previous year, and the provisions are as follows: 1. If there is no insurance within one year, the premium for the second year will be discounted by 10%; 2. If there is no insurance for two consecutive years, the premium for the second year will be discounted by 20%; 3. If there is no insurance for three years or more, the premium for the second year will be discounted by 30%; 4. If you go out of insurance once in a year, the general insurance cost remains unchanged, but you have enjoyed the preferential premium, the premium will be restored to the standard premium after the insurance is out once; 5. If you go out twice in one year, the insurance cost will rise by 20%, the premium for 3 times will increase by 50%, 75% for 4 times, and 100% for 5 times or more; 6. In the event of a road traffic fatality accident in the previous year, the premium will be increased by 30%.

Second-hand car insurance and new car insurance is the same, but also need compulsory insurance and commercial insurance, compulsory insurance is a kind of national compulsory payment of liability insurance, if you buy a second-hand car, compulsory insurance has not expired, then you can continue to use, commercial insurance is a kind of commercial insurance that individuals selectively buy, including third-party insurance, car damage insurance, etc., generally buy second-hand cars when you need to buy again, compulsory traffic insurance is necessary to buy, commercial insurance for their own protection is recommended to buy.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

There is no need for commercial insurance, as long as the vehicle comes with compulsory traffic insurance, there is no problem to ensure that it is on the road normally.

According to the relevant regulations, if you buy a second-hand car, you must pay compulsory traffic insurance, as well as vehicle and vessel tax, but commercial insurance can not be purchased.

Under normal circumstances, vehicles contain compulsory traffic insurance, because the annual inspection must be handed over first. However, there are many first-hand cars without commercial insurance, because when the original owner expects to have his own car, he often only insures the compulsory traffic insurance and eliminates commercial insurance; There is also a possibility that the second-hand car dealer has returned the commercial insurance, and the dealer counts the commercial insurance refund as his own profit when he acquires the vehicle. However, there are many people who do not pay attention to insurance issues after buying a second-hand car, and they are often so-so about car transfer insurance, and as a result, they encounter trouble when making claims after a traffic accident.

Therefore, Ping An Insurance reminds the majority of car owners that after buying a second-hand car, it is necessary for car owners to pay attention to transfer insurance.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Summary. Hello, dear ......Buying a second-hand car is not given commercial insurance, which needs to be purchased from scratch. Compulsory traffic insurance is a must. Because every car must have compulsory traffic insurance.

Hello, dear ......Buying a second-hand car is not given commercial insurance, which needs to be purchased from scratch. Compulsory traffic insurance is a must-have for the spring trouble. Because every car must have a fast cornering risk.

1. Can you buy commercial insurance for second-hand carsIf you can buy commercial insurance for second-hand cars, as long as the original commercial insurance expires, the owner of the motor vehicle can continue to buy commercial insurance. Second, the second-hand Hu Ju car needs to buy new insurance, socks dismantling If the original car insurance has not expired, you can handle the insurance transfer, if you don't want the original insurance, you can also change to a new insurance. The transfer of second-hand car insurance is actually to change the beneficiary and license plate number of the original insurance endorsement of the vehicle after the second-hand car transaction.

Therefore, there is no charge for the transfer of second-hand car insurance, and the materials required are relatively simple (no need to go to the insurance company with the vehicle). Bring the original car insurance policy, second-hand car transfer ticket, new driving book, registration pants good certificate, original and photocopy of the original owner and new car owner's ID card (some insurance companies need the original car owner to be present in person, and the insurance company should confirm the specific matters with the insurance company in advance before the insurance transfer). When the insurance company accepts the second-hand car insurance transfer, the insurance company will issue you an endorsement policy after immediate review to complete the insurance transfer.

If you want to buy car insurance for a second-hand car, you must go through the procedures for transferring the car insurance.

Extended Information:1It should be noted that:

There are two ways to transfer ownership of vehicle insurance, and the premium is calculated differently. The first way: the original car sent the owner of the car insurance, and then apply for a new insurance belonging to the new owner, this method is more suitable for the vehicle insurance is about to expire second-hand cars.

Car insurance. There are mainly two types of compulsory liability insurance and commercial insurance. Compulsory traffic insurance is mandatory for the state. Compared with compulsory traffic insurance, automobile commercial insurance.

It is up to the owner to choose whether to buy or not. In general, compulsory traffic insurance, third-party liability insurance, and on-board personnel liability insurance.

Regardless of deductible insurance and other types of insurance, it is best to accompany the purchase of insurance. At present, there are various ways to apply for car insurance, you can choose to apply directly to the car insurance company, or you can apply for insurance through the Internet (, you can also apply for car insurance through **.

2.Remind the majority of car owners and friends to choose motor vehicle insurance.

, you should ** what risks you may encounter, and then choose car insurance products according to your needs. The correct way to insure is that all the vehicle insurance that suits you should be insured and fully insured to ensure that you will be fully compensated by the insurance company in case of an accident.

Buying insurance for second-hand cars is not discounted according to the old car, that is, the second-hand car you buy is considered car insurance in the same market as a new car. For example, if you buy a second-hand car and the original owner has purchased insurance, then you continue to buy his premium until it expires and you buy it yourself, but due to the dust and excitement of the name change, even if the original owner was in good condition last year and did not use the insurance premium, the premium cannot be discounted after the transfer. That is, in the first year, you have to pay in full, I forgot how much, and the commercial insurance seems to be more than 1,000.

Basically, several insurance companies are the same. Then when you buy it the next year, if you don't change the insurance company, if you haven't used the insurance premium in the previous year, the commercial insurance can be discounted appropriately, and the insurance company may have different discounts, so you have to look at it yourself.

You can directly transfer the commercial insurance with the original owner, the original owner does not surrender the commercial insurance, the vehicle can not be used after the transfer is completed, the commercial insurance is of no use to the original owner, and the commercial insurance can be directly transferred when the transfer procedures are handled.

Legal basis: Article 49 of the Insurance Law Where the subject matter of insurance is transferred, the transferee of the subject matter of insurance shall inherit 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 insurance contract for the transportation of goods and the contract otherwise agreed.