How to buy insurance for a mortgaged car? Can I buy insurance for a mortgaged car

After purchasing, the policyholder is the person who buys the insurance, and the owner is the mortgagor, so the insurance is also paid for the policyholder.

First of all, we need to understand that there is no transfer of ownership of the mortgaged carIf you purchase vehicle insurance, you need to have your car's license and your ID card to apply for insurance. However, it is necessary to confirm the requirements with the creditor, assuming that the creditor has no special requirements, then our car insurance is no different from normal insurance. Assuming that the creditor has a special requirement, that is, a special agreement on the "first beneficiary" of the insurance, it means that the creditor will be paid for the car accident claim in the future, that is, the "first beneficiary".

After the real-name system of car insurance, if you want to buy insurance for a mortgaged car, as long as you can provide a mortgage contract for the vehicle, you can insure your vehicle at the insurance company. At present, many places across the country have begun to implement the real-name system of car insurance, and the main sentence reflected in the real-name system of car insurance is "whose car, who insures, who pays", so as long as the owner can provide the mortgage contract of the vehicle, prove that it is his own car, you can buy insurance normally.

Mortgage car can be normal to buy insurance, the process of buying insurance is similar to ordinary vehicles, all need the owner to provide ID card, driver's license and car purchase agreement and other information, there are many institutions that provide car insurance services, car insurance can be divided into a variety of types, there are some vehicles that are more expensive, this kind of vehicle is necessary to buy insurance.

Mortgage cars generally need to buy the following types of insurance:

1. Theft insurance must be bought, I believe everyone has heard of the mortgage car was robbed, but to the police station to report, there are a considerable number of cases that can not be reported, saying that you are not the owner, or telling you that it is an economic dispute, can only be sued to the court. However, if the theft insurance is purchased, the insurance company is liable for compensation.

2. Choose a third party of 500,000 or 1 million, the price of the two is about the same, and it is worth it to spend money to buy safety and safety, and you don't need to pay too much attention to this gap, otherwise it will be more difficult to compensate for the vehicle accident.

3. Insurance can not buy their own name, many mortgaged cars are involved in some economic disputes because of the owner, maybe the day will be sealed by the court, the court or the guarantee company by inquiring about the name and ID number of the car insured, address, etc., will soon expose the location of the car, which will increase the trouble of claims.

4. Find a repair shop to help you buy, so that the insurance will be more secure. The main reason is that many repair shops are affiliated with insurance companies, and some insurance companies need repair shops to rush performance, and when the repair shop reports to the insurance company, there may be more claims.

The mortgaged car can be insured through the insurance company normally, and the beneficiary of the insurance is the owner who holds the right to use the vehicle, and the purchase and claim process is no different from that of a normal used car. The insurance you should buy is still to be bought, there is nothing special, the point is that you are still the owner of the car, if you have to worry about this, the mortgagee will force you to take some insurance.

According to the regulations on compulsory traffic insurance, in accordance with the Road Traffic Safety Law of the People's Republic of China.

Compulsory insurance for motor vehicle traffic accident liability.

The term "compulsory insurance for motor vehicle traffic accident liability" as used in these Regulations refers to the insurance company's coverage of victims other than the vehicle personnel and the insured caused by road traffic accidents involving the insured motor vehicle.

Compulsory liability insurance for personal and property losses within the limit of liability.

We are creditors and can also be counted as legal administrators, so we have the right to set the first beneficiary as ourselves, and the compulsory liability insurance can be on our own commercial insurance.

Many mortgaged cars may be involved in financial disputes due to the owner, such as the insured's address and ID card.

In this way, it is possible to expose the parking position of the vehicle and be easily found.

How can you avoid it? It's very simple, as long as the address on the insured's ID card is not your usual residence, you can avoid it, and you can use your friend's ID card for vehicle insurance, and the insurance claim will not add to the trouble! As a reminder, if you use the information of your relatives in different places to buy insurance, you can prevent some "well-intentioned people" from knowing your information through the insurance company.

Among the types of insurance, the main insurance has third-party liability insurance.

Vehicle loss insurance, deductible insurance, vehicle personnel liability insurance.

Robbery. You can write anyone's name, you have to provide documents to buy, and the insurance company will accept it!

Hello, if you want to buy insurance for the mortgaged car, you can only provide the mortgage contract of the vehicle, you can insure your vehicle in the insurance company, and the country has begun to implement the real-name system of car insurance! In this car insurance real-name system, the main embodiment is whose car is insured, who pays, and enjoys the water, so the owner can buy insurance normally as long as he provides the mortgage contract of the vehicle.

Hello friend, mortgaging a car and buying insurance are two different things, mortgaging a car is only for a loan or mortgage, buying insurance is for you to say that the land problem is collected in the driving, there is a certain amount of protection, it will not conflict with the mortgaged car.

The purchase of mortgage car insurance only requires "double recording", that is, audio and video recording. Whose car, who insures, and who pays, that is, the policyholder = the payer = the owner.

The user obtains the right to use the vehicle through legal procedures, and the mortgage contract of the vehicle can prove the relationship between you and the car, and the insurance of the vehicle is not a problem. In addition, it should be noted that it is very important to complete the procedures for mortgaging the car, so the mortgaged car still needs to be purchased from a regular car dealer.

Car insurance that needs to be purchased:

1. Compulsory traffic insurance is a compulsory liability insurance provided by the insurance company to compensate the victim (excluding the vehicle personnel and the insured) for the personal and property losses caused by the road traffic accident of the insured motor vehicle within the liability limit.

2. Third party liability insurance, commercial third party liability insurance. It refers to the amount of compensation that should be paid by the insured in accordance with the law due to the direct loss of personal or property suffered by a third party due to an accident that occurs in the process of using the insured vehicle by a qualified driver permitted by the insured, and the insurer will compensate in accordance with the relevant provisions of the insurance contract.

3. Automobile damage insurance refers to a kind of automobile commercial insurance in which the insured or its permitted driver is damaged by an insured accident while driving the insured vehicle, and the insurance company compensates within a reasonable range.

OK. Mortgage the car.

It does not affect the annual inspection and insurance, you can buy insurance, or you can go out of insurance normally. The mortgaged car is generally mortgaged to the lending institution through formal procedures, and the procedures are complete and various agreements are signed. The ** price of the mortgaged car is much lower than the market price, and the purchase of the mortgaged car can drive normally, review the car and buy insurance.

If it is a mortgaged car, there is no transfer, and the mortgage pawn contract and the original owner's ID card can be purchased.

You can apply for insurance. For a car with a mortgage, it is even simpler, because the owner of the car is the lender himself, so it can be insured normally.

Extended Materials

Auto insurance: Auto insurance mainly includes compulsory traffic insurance and commercial auto insurance.

Compulsory traffic insurance is a type of insurance that car owners must insure, including terms related to material damage and personal injury. It is understood that under normal circumstances, the standard premium of compulsory traffic insurance that needs to be paid in a year is 950 yuan, and the standard fee of compulsory traffic insurance that should be paid under the floating rate system is divided into multiple levels depending on the situation, which generally reflects the principle of "rewarding the good and punishing the inferior".

Different from compulsory traffic insurance, commercial insurance.

There are many types, roughly as follows:

1. Car damage insurance.

After the car is damaged, the insurance company can repair the car for you, insure the new car at the purchase price, and determine the insurance amount according to the brand model by the unified vehicle purchase platform.

2. The first lack of three insurance: the insured or the driver in the process of using the vehicle accidents, so that the third party is damaged by personal ** or property, the insured should bear the economic responsibility, the insurance company compensation.

3. Separate glass breakage insurance: It means that the policyholder insures the windshield and window glass (excluding headlights and mirror glass) of the insured vehicle. During the insurance period, if the windshield or window glass is broken alone during the use of the insured vehicle, the insurer will be responsible for compensation according to the actual loss.

4. On-board personnel insurance: refers to the person responsible for compensating the vehicle for the accident caused by the insured vehicle.

5. Spontaneous combustion insurance: due to problems in the oil supply system, circuits, lines and other fuel supply systems in the car, and the friction of motor vehicle operation, resulting in the loss of the vehicle, in the event of an insured accident, in order to reduce the rescue cost of the insured vehicle, the insurer shall be responsible for compensation.

6. Whole car theft rescue: the car was stolen, and there are public security organs.

Proof that if you can't find it within 3 months, you will lose money by 8% according to depreciation (if you are insured without deductible insurance.)

You can not do it at a 20% discount), and the insurance is depreciated at the discounted price.

7. Excluding deductible insurance: If you do not invest in the ridge defense insurance, when the insurance occurs, 20% will be deducted from the full liability, 15% will be deducted from the main liability, 10% will be deducted from the same liability, and 5% will be deducted from the secondary liability (some companies can be insured separately, car damage, three, people on the car, theft; Some companies are combined).

Mortgage the car. You can buy car insurance by going to your local insurance company or by purchasing theft insurance.

Bring your ID card and vehicle driving license to the local insurance company to purchase, note that when you re-purchase insurance for the vehicle, the policyholder is the person, and the beneficiary is also the person. Mortgage cars can be purchased, and the mortgage cars are generally mortgaged to the lending institution through formal procedures, and the procedures are complete and various agreements are signed. The mortgage car is much lower than the market price, and the purchase of the mortgage car can be used normally, the car can be reviewed and the insurance can be purchased, and the only disadvantage is that the ownership cannot be transferred.

During the mortgage period, the mortgagor can transfer the mortgaged property. If the parties agree otherwise, the mortgage right shall not be affected if the mortgaged property is transferred in accordance with the agreement.

Motor vehicle insurance.

It is a kind of insurance that uses motor vehicles such as automobiles, trams, battery cars, motorcycles, and tractors as the subject of insurance. Motor vehicle insurance can be divided into two categories: compulsory traffic insurance and commercial insurance, and commercial insurance can be specifically divided into two parts: basic insurance (also known as main insurance) and additional insurance. Motor vehicle insurance generally includes compulsory traffic insurance and commercial insurance, and commercial insurance includes basic insurance and additional insurance.

The basic insurance is divided into vehicle damage insurance and third party liability insurance.

Whole vehicle theft insurance (theft insurance), vehicle personnel liability insurance.

Driver Liability Insurance and Passenger Liability Insurance). Additional insurance includes glass breakage insurance, scratch insurance, spontaneous combustion loss insurance, wading driving insurance, no-fault liability insurance, on-board cargo falling liability insurance, vehicle suspension loss insurance, new equipment loss insurance, excluding deductible special insurance, etc. Glass breakage insurance, spontaneous combustion loss insurance, and newly added equipment loss insurance are additional insurances for body loss insurance, and vehicle loss insurance must be insured before these additional insurances can be insured.

Car insurance. It is best to renew the insurance within three months before the expiration, and the motor vehicle traffic accident liability insurance is compulsory.

Upon the expiration of the contract, the policyholder shall renew the insurance policy in a timely manner and provide the insurance policy for the previous year.

The renewal time should not exceed three months before the end of the insurance period at the earliest, and not later than the end date of the insurance period at the latest.

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

You can buy it, but there are many things to be aware of.

1. Whether the vehicle has GPS positioning.

And there are multiple keys. After purchasing, it is recommended to find, locate and replace the whole car lock.

2. The ** problem of the car, the stolen car, is also full of pretensions in the mortgaged car.

In the industry, buying is equivalent to writing off. Therefore, it is necessary to find out whether it is a first-hand mortgage, and check the status of the file.

3. Buy insurance and specifically agree that you are the beneficiary.

4, in Jiangsu, Zhejiang and Shanghai.

Region, the seizure of the nature of the mortgage car is best not on the highway, the above provinces in the clear lai, the seizure of the car will be towed.

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