Car Insurance Renewal Questions 20, Car Insurance Renewal Questions

It is advisable to contract in a place where you often drive. With the driving license, a copy of the insured's ID card can be insured. If you have commercial insurance, you can use your father as the insured and you as the designated driver.

If there is a change in the items you insured this year, for example, you did not have insurance last year, and you want to take out insurance this year and your insurance has not expired, you can take the original policy of the previous year to insure, this is mainly because the insurance company wants to reduce the risk.

Identify a few things:

1.Is your car a photo shoot from your hometown? Then it's basically fine. If not, some companies may not handle it, or it will be more troublesome.

2.The required information generally includes (the information may vary slightly depending on the region): the policyholder's ID card (original or copy), driving license (original or copy), car owner's ID card (same as above), if you bought insurance in your hometown last year, the same company does not need to renew the policy, if you are not in your hometown last year, the first year of insurance in addition to compulsory insurance, commercial insurance policies do not need to be provided.

Because it involves different regions and companies, it is recommended to ask the local insurance company directly.

Sir, if you did the insurance in city A last year, it is not cost-effective to go back to your hometown to apply for insurance in city B this year. Because there is generally no renewal discount.

Sir, if you are a renewal customer, there is no problem at all, call the insurance company directly, and then you apply for car insurance directly in **. You don't need an ID or a car with you. You will need to sign for the policy when you arrive. If you have any questions, you can continue to ask me.

If you don't buy insurance in the same province, you can't calculate it according to renewal, and you need a copy of the owner's ID card and driving license when applying for insurance. **Car insurance is the national ** car insurance applied by the insurance company to the Insurance Regulatory Commission, such as Ping An's 95512, PICC's 95518 and so on.

If you renew the insurance last year, this year's insurance will be very favorable, so it is recommended that you buy it locally, and now the insurance company also has a national compensation service, so you can also enjoy the service when you drive your car to other places.

You can use your father's handling, bring your ID card, while driving, you want your policy last year to see your previous appearance record, if you don't have it, they can also renew the car inspection, but it is recommended that you inspect the car when the compulsory insurance and commercial insurance together with an insurance company, hope.

If the owner is in your name, is the insured also in your name? You can transfer to buy insurance in your father's name, provided that the transfer is handled, that is, the change of the insured, if you change the insured and the car owner at the same time, it is recommended to consult the local insurance company about what documents and information you need to bring. In general, you need to provide the original ID cards of both parties, the original driver's license of the new car owner and the original insurance policy, and go to the insurance company to fill out the change application.

However, after such a change, the compulsory traffic insurance for the next year will return to the original price, because the change has been made, so the system will automatically jump to the original price.

There are four ways to renew your car insurance:

2. Call the official ** manual service of the insurance company to renew the insurance;

3. Find an insurance salesman to renew the insurance;

4. Go to the counter of the insurance company to renew the insurance.

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, and insurance companies will also 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. 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.

Hello, there are three main reasons why car insurance cannot be renewed. 1.Too many accidents.

In this case, the insurance company allows the insurance to be insured 5 times, and the policy will not be renewed if it exceeds 5 times, and in special cases, the policy can be renewed on the basis of increasing the premium after negotiation. Since the regulations vary from insurance company to insurance company, the specific situation will also vary from person to person. 2.

Elderly cars. When it comes to cars that are long-lasting, insurance companies take a "stay away" attitude. For example, some companies stipulate that cars that are more than 10 years old can be insured, in addition to the three insurances and seat insurance, such as car damage insurance and theft insurance, they can no longer be insured and renewed.

3.Luxury cars. Luxury cars are often denied insurance, and the reasons for this are quite simple: the cost of repairs is too expensive, the loss ratio is too high, and the repairs** often range from hundreds of thousands to millions.

If a luxury car worth millions or even more than 2 million yuan is insured, it costs hundreds of thousands or even hundreds of thousands of yuan, and its car damage insurance premium is only tens of thousands of yuan.

1. If the town imitates the closed fruit, it is simply renewed in the original insurance company, as long as you bring your ID card. If you want to change insurance companies, assuming you don't know anyone in the insurance industry, you can only renew your insurance according to the regular procedures.

2. Steps: (1) Bring your ID card and drive the vehicle to the designated inspection point of the insurance company for vehicle inspection; (2) If there is an old injury to the body, the insurance company will indicate it in their system endorsement, which will cause you trouble when you make a claim for this place in the future; (3) After the car inspection, you can go through the renewal procedures normally and pay the money.

3. It is recommended that you renew your insurance in the original insurance company, and if you want to change an insurance company, it is best to find some acquaintances to avoid the car inspection link. The link of the experimental car is a threshold set for strangers, why do we have to try to cross it!

Regarding car insurance renewal, different car owners have different sayings:

The first type is to renew the insurance in advance, and after the renewal, you can use this year's insurance to deal with small accidents such as scratches, and the second year's premium will not **; The second type is that no matter if you renew your insurance in advance or when it is about to expire, you will never be able to avoid the number of accidents.

How many days in advance can I renew my policy?

In order to avoid the car owner carelessly forgetting to buy car insurance, resulting in the car being out of insurance, general car insurance can be purchased 90 days in advance.

For example: Xiao Wang's car insurance was bought on November 10 last year, and the car insurance expired on November 10 this year, in line with the principle of purchasing 90 days in advance, Xiao Wang can renew the insurance on August 10 this year.

After early renewal, what year will the number of accidents be recorded?

Regardless of whether the car owner renews the insurance in advance or not, as long as the car owner makes a claim, the number of accidents will inevitably affect the premium for the next year. The number of accidents after renewal will be recorded in the next year.

For example, Xiao Wang bought car insurance for a total of 5,000 yuan in November last year. This year, under the advice of the insurance company, the insurance company renewed the insurance 2 months in advance (September), because he had good driving habits last year, he did not have insurance last year, and this year's car insurance was discounted by 7%, and this year's car insurance consumption was 3,500 yuan.

Unfortunately, if there is a small accident within a month after the renewal of the policy, then the accident record will be calculated to the next year.

When is the best time to renew?

It is recommended to renew the insurance 7-15 days in advance, so as to avoid the expiration of car insurance to the greatest extent that a large number of people who purchase car insurance cannot submit an order, resulting in the loss of insurance of their own vehicles.

Commercial insurance generally takes effect after 24 hours, while compulsory traffic insurance takes effect in a timely manner. However, when you apply for car insurance, you must ask when the policy will take effect. Even if the order is delayed, it will not affect your normal use.

What should I pay attention to when renewing my car insurance?

1. According to your actual situation, add or delete unnecessary types of insurance.

When car owners buy car insurance, they should comprehensively measure the age of their car and the age of the car.

For veteran cars, it is recommended to purchase four types of insurance: compulsory traffic insurance, three-party insurance, car damage insurance, and no deductible. For new cars, it is recommended to purchase full insurance.

2. Early renewal.

Car owners renew their insurance 10 to 20 days in advance, which can not only compare the preferential situation of various insurance companies in advance, but also avoid the risk of uninsured travel during holidays.

3. Don't get out of insurance and hit the road.

It is illegal to get out of insurance on the road. If it is investigated and dealt with by the traffic police, it will pay a fine of 2 times the compulsory traffic insurance according to the minimum liability limit of the insurance deferred Huaiheng. Moreover, the renewal of the vehicle after the insurance is out of insurance also needs to be re-inspected.

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.

Fourth, the fewer the number of accidents in the previous year, the more preferential the renewal**.

After the reform of car insurance rates, the number of accidents is linked to the amount insured. If there has been no traffic accident in the previous year, the owner can enjoy the corresponding discount when renewing the insurance.