I bought a car in installments at an auto trading company, and it s been a year, don t you want to b

Hello, now there are so many platforms that can provide lending business, you can apply for bank loans through mortgages, and a more convenient way is to apply for personal credit loans, it is recommended that you choose a formal platform when applying for a loan to better protect your personal interests and information security.

It is recommended to use Youqian Hua, which was formerly known as "Youqian Hua", which is a credit brand of Du Xiaoman Finance, which provides users with safe, convenient, unsecured and unsecured credit services.

It has the characteristics of simple application, low interest rate and fast loan, flexible borrowing and repayment, transparent interest rate and strong security.

Share with you the application requirements for consumer products with money: it is mainly divided into two parts: age requirements and information requirements.

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card.

Note: Only debit cards are supported, and the application card is also your debit card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

This answer is provided by Youqianhua, due to objective reasons such as the timeliness of the content, if the content is inconsistent with the actual interest calculation method of the Qianhua product, it shall be displayed on the page of Du Xiaoman Financial APP-Youqianhua Loan. Hope this helps.

Of course, if the 4S store or financial institution does not require to continue to renew the insurance, you can go to other places to buy insurance, if there is a requirement or negotiate to deal with it.

Hello, this situation should not be, because the person you take out a loan there can only buy insurance from them, and this is something that is related to a certain extent.

Under normal circumstances, there is no limit to buying car insurance. The wishes of consumers should be respected. However, your situation depends on whether you have signed a relevant agreement with the auto trading company. Be compliant with the protocol.

If you buy a car in an auto trading company, the loan is generally two years, and the corresponding collateral is paid, if you do not buy insurance from the other party, it involves the issue of the first beneficiary, and the other party says that the corresponding deposit will be deducted.

This mainly depends on how you sign the contract with the car dealer when you buy the car in installments. If the contract signed at that time stipulates that vehicle insurance can only be bought at the car dealership for a long time, you had better agree that the contract stipulates that you can buy insurance at the car dealership, if the contract stipulates that you only buy insurance at the car dealership in the first year, then in the second year, it doesn't matter if you buy insurance at the ** casually. I hope mine can help you.

This mainly depends on whether there is a regulation. If the agreement says you have to buy insurance from them at the time of purchase, then it is not negotiable. If there is no such agreement, then what insurance you buy and where you buy it is your own business, and no one else has the right to interfere.

If you want to change the insurance company by yourself in the second year, you can pay for the car in installments, and you don't have to bear the liability for breach of contract.

Generally speaking, 4S stores will require that they must purchase car insurance from their designated insurance company, otherwise they will not be able to apply for a mortgage loan, and even the deposit will not be refunded, which is a Changbi overlord clause and should be deemed invalid.

Article 40 of the Contract Law stipulates that if the standard clause has any of the circumstances provided for in Articles 52 and 53 of this Law, or if the party providing the standard clause exempts it from liability, aggravates the liability of the other party, or excludes the main rights of the other party, the clause shall be invalid.

In the mortgage purchase of a car, the practice of the 4S store to bury the Jingchen Antding Insurance Company is a practice of excluding the rights of the other party and should be invalid, so the car buyer can freely change the insurance company.

You can change it in the second year.

Hope mine is helpful to you.

I hope it can be rated with five stars.

I hope to be able to praise you with five stars I wish you a happy life Thank you for your attention.

Loan installment insurance for the second year does not necessarily have to be bought in a 4S store. Under normal circumstances, under the premise that the user has not signed a second-year insurance-related agreement with 4S, the user can freely choose the insurance company he likes to buy the second-year car insurance according to his personal situation, so it is not necessarily to buy it at the 4S store, but if the user has signed a relevant second-year insurance agreement with the 4S store, then it must be purchased at the 4S store. In addition to the above questions, whether the user needs to purchase full insurance in the second year needs to be comprehensively judged based on the loan term and the repayment situation of the previous year.

If the user chooses to take out a two-year loan and does not overdue during this period, the bank also agrees that the user will only purchase the insurance that is needed. The above is the relevant content of whether you must buy car insurance in installments in a 4S store in the second year.

If the next party has a commitment to buy what kind of insurance to buy and how much insurance amount to buy, the car buyer can only apply for insurance according to the regulations, otherwise the loan chain will not be delayed. If the next party does not have insurance regulations for the car buyer, then, the car buyer can buy according to personal requirements, traffic compulsory insurance must be bought, car damage, three liability insurance, car theft insurance, excluding free odds insurance, scratch insurance, spontaneous combustion insurance, wading insurance, etc.

Generally speaking, the mortgage car, that is, the loan car, the user is not the first beneficiary when purchasing the car insurance, therefore, the loan vehicle to return the commercial car insurance, you also need to get the permission of the first beneficiary or provide a loan settlement certificate to return the insurance, please consult the insurance company's surrender department for details. If the user wants to surrender the compulsory insurance, the user also needs certain conditions to surrender the insurance, such as the cancellation of the insured vehicle in accordance with the law, and the loss of the insured vehicle determined by the public security department.

Installment does not affect personal credit reporting. Installment usually refers to the borrower's choice to divide the loan into several episodes to repay the loan under the condition that the borrower's pressure to repay the loan in the current month is very large, which can relieve the pressure of repayment, which is naturally a loan repayment method for the bank to implement credit cards, for the bank, in addition to obtaining interest, it can also ensure that the customer does not default on the loan. This article mainly writes about the knowledge points about whether you must buy car insurance in installments in a 4S store in the second year, and the content is for reference only.

Summary. Hello, first of all, if you want to buy commercial car insurance, commercial car insurance is voluntary.

The so-called voluntariness includes not only the independent decision to buy or not, but also the buyer at whom, how much to buy, and so on.

Therefore, there is no problem of purchasing commercial auto insurance in a designated place.

Secondly, if it is a statutory car insurance - compulsory traffic insurance, we say that this insurance is a statutory insurance, and the motor vehicle manager or owner must purchase it in accordance with the law, but it is limited to the mandatory purchase, and it is not mandatory to buy it at anyone's house, but all insurance companies with compulsory traffic insurance business qualifications can choose to purchase.

You can call 12315 to complain or 12378

I hope it helps you and I wish you a happy life.

I was an installment car and bought insurance in the second year, and they said that they had to buy it in an installment company, saying that it was on the contract.

Hello, first of all, if you want to buy commercial car insurance, commercial car insurance is voluntary. The so-called voluntariness includes not only the independent decision to buy or not, but also the buyer at whom, how much to buy, and so on. Therefore, there is no problem of purchasing commercial auto insurance in a designated place.

Secondly, if it is a refund car insurance - compulsory traffic insurance, we say that this insurance is a statutory insurance, and the motor vehicle manager or owner must purchase it in accordance with the law, but it is limited to the mandatory purchase, and it is not mandatory to buy it at anyone's house. You can call 12315 to complain or 12378, I hope it will help you, and I wish you a happy life.

I bought the car in installments, and I went to the company, so I volunteered to pay the insurance wherever I wanted.

Hello, of course voluntary! There is no such thing as a mandatory insurance policy.

I bought the car in installments, can I buy commercial insurance in the second year or not?

Hello, there used to be a burning shot Wang had to buy, but now there is no such regulation. But I don't know if you have a deposit in the 4S store when you buy a pickup, but even if you do, you can ask for a refund to you.

Buying a car insurance group does not necessarily have to be purchased in a 4S store.

Car owners have the right to choose their own insurance channels when applying for car insurance, including 4S stores, insurance companies and other channels, no matter which channel it is, it is not mandatory for car owners to purchase and renew car insurance only there.

The types of insurance that can be insured when buying car insurance are:

1. Compulsory traffic insurance, solving the basic guarantee: the loss caused by the insurance to the third party is usually small, and the liability and non-liability compensation are between 10,000 and 180,000 yuan.

2. Car damage insurance: whether it is a small bump or a major repair, the car damage insurance after the reform not only comes with a deductible but also has additional insurance such as collision, overturning, falling, fire, etc.

3. Seat insurance: It is a commercial car insurance, the owner can voluntarily insure, and the main sail pants orange can be insured after the occurrence of an insurance accident, the personal life of the person on the insured car, but it only protects the personal life of the person on the insured seat.

However, it should be noted that the lender of some loan vehicles will require the customer to purchase car insurance from the designated insurance company, and if you need to change the insurance company, you also need to consult with the lender.

If when buying a car, there is a contract that requires you to buy insurance at a 4S store, then you have to buy it at a 4S store (no way, there is no human right to pay in installments).

Generally, 4S stores in installments will require in-store insurance, and some will also pay a deposit. If the deposit is not insured in the store, the 4S store may not be refunded.

Under normal circumstances, the precondition for 4S installment payment is to purchase 3 years insurance in our store, but it is not absolute. Let's see how it was agreed in the first place. If the contract is indicated, it may be handled in accordance with the contract.

Motor vehicle insurance generally includes compulsory insurance and commercial insurance, and commercial insurance includes basic insurance and additional insurance. The basic insurance is divided into vehicle loss insurance and third-party liability insurance, vehicle theft insurance (theft insurance), and vehicle personnel liability insurance (driver liability insurance and passenger liability insurance).

Additional insurance includes glass breakage insurance, scratch insurance, spontaneous combustion loss insurance, wading insurance, no-fault liability insurance, on-board cargo fall liability insurance, vehicle shutdown loss insurance, new equipment loss insurance, no special insurance, etc.

1. If there is a contract to buy insurance in a 4S store when buying a car, then you have to buy it in a 4S store (no way, there is no human right in installments).

2. Generally, the 4S store will require insurance in the store, and some will pay a deposit, if you pay a deposit, you will not be insured in the store, and the 4S store may not be refunded.

3. Under normal circumstances, the advance condition of 4S installment payment is to buy 3 years of insurance in our store, but it is not absolute, depending on how it was agreed at the beginning, the contract is so indicated, and it can be handled according to the contract.

4. Motor vehicle insurance generally includes compulsory traffic insurance and commercial insurance, and commercial insurance includes two parts: basic insurance and additional insurance. The basic insurance is divided into vehicle loss insurance and third-party liability insurance, full vehicle theft insurance (theft insurance), and vehicle personnel liability insurance (driver liability insurance and passenger liability insurance).

5. Additional insurance includes glass breakage insurance, scratch insurance, spontaneous combustion loss insurance, wading driving insurance, no-fault liability insurance, vehicle cargo falling liability insurance, vehicle suspension loss insurance, new equipment loss insurance, and special insurance without deductible.

Generally speaking, the 4S store of the mortgage loan will require that it cannot be changed to other insurance companies during the repayment period, otherwise the deposit of thousands of yuan paid when applying for a mortgage will not be refunded, and there is no impact on the monthly repayment!

1. Car full insurance (also known as full insurance), ordinary people understand that it seems that the insurance is fully bought, and the insurance company can compensate for any loss. Generally speaking, the recognized car full insurance refers to: compulsory traffic insurance + car damage insurance + third-party liability insurance + deductible + car personnel insurance, etc., and if conditions can be added, theft insurance, glass insurance, body scratch insurance, spontaneous combustion insurance, etc.

2. How to choose: It is understood that the current motor vehicle insurance is divided into compulsory insurance, basic insurance and additional insurance. Among them, compulsory traffic insurance is enforced by the state, with a maximum compensation of 60,000 yuan.

The basic insurance includes vehicle loss insurance, commercial third-party liability insurance, vehicle theft insurance, and vehicle personnel liability insurance. Additional insurance includes glass insurance, spontaneous combustion loss insurance, and insurance without deductible.

3. Claim settlement method: The issue of "high insurance and low compensation" in auto insurance is now highly concerned, and I think insurance companies can strengthen their work in two aspects at present. First, to respect the consumer's choice, the three pricing methods must be clear to him, and it is very important to tell the truth, which is a key to the standardized operation of insurance companies.

Second, in terms of rate determination, in order to prevent insurance fraud and ensure that the rate is relatively fair, it is necessary to learn from the experience of developed countries and take into account the different subdivisions of partial loss and total loss when determining the rate. Although it is not easy to be fully in line with international standards immediately, it is also necessary to vigorously accelerate the pace, after all, it is related to the image of the entire industry.