If the car is registered and Didi doesn t drive, will it be expensive to pay insurance in the second

If you buy insurance according to the operating vehicle, it will be a little more expensive, and the types of insurance on Didi cars and private cars.

It's the same, but it's just that it's a business car, and the premium is a little more expensive.

The fact that private cars are running Didi has actually changed the nature of the use of motor vehicles. Private cars are non-commercial vehicles.

Once the relationship is established through the online ride-hailing platform, it becomes an online ride-hailing.

After that, the nature will also be changed to commercial vehicles.

Private cars are generally purchased in the nature of non-commercial vehicles. Article 9 of Chapter 1 of the Model Clauses for Comprehensive Commercial Insurance of Motor Vehicles clearly stipulates that the insurer shall not be liable to compensate for the losses and expenses of the insured motor vehicle caused by the transfer, modification, addition or change of the nature of use of the insured motor vehicle by the insured or the transferee without timely notification to the insurer.

This clause is the insurance policy that the car owner signs when he or she purchases car insurance.

There is a manifestation, but it is easy to be overlooked by car owners. Therefore, after a private car becomes an online ride-hailing car, if the owner of the car informs the insurance company in a timely manner and pays the premiums related to the operating vehicle, the insurance company is liable to compensate after the accident. "It should be noted that due to the longer time of commercial vehicles on the road, the probability of safety accidents is higher, so the premium is 1-2 times that of non-commercial vehicles.

However, many private car owners do not realize that the nature of their vehicles has changed when they use online ride-hailing software to pick up passengers, and when they need to find an insurance company to settle a claim in the event of an accident, the insurance company can only pay for compulsory traffic insurance, while commercial insurance.

It is not covered by the insurance company. Therefore, when insuring a private car, it is important for car owners to consult the insurance company in detail, read the insurance terms carefully, understand the relevant matters of accident compensation, and choose the type of insurance that suits them. If a private car wants to engage in online car-hailing services, it is necessary to apply for vehicle insurance from the insurance company in time.

to avoid unnecessary losses.

Therefore, if you don't plan to open an online car-hailing platform, you can apply for cancellation now on all major online car-hailing platforms, so it is recommended that you apply for cancellation.

As long as your car is not out of insurance, the premium will not increase in the second year, which has nothing to do with the registration of Didi. As long as your car has not been insured during the insurance period.

Legal analysis: Registering a Didi car owner but not running a single ticket has no impact on your car, because the registration of a private car as a Didi car owner itself is illegal, and the violation of this registration procedure is not protected by law. If the change of operational nature has been reported to the insurance company, affiliated with the platform operating company, the insurance fee is paid according to the operation, the underwriting is underwritten, but then want to change back to the private car nature, very poor.

A certificate from the company is required.

Legal basis: Insurance Law of the People's Republic of China

Article 5 The parties to insurance activities shall follow the principle of good faith in exercising their rights and performing their obligations.

Article 6 The insurance business shall be operated by the insurance companies established in accordance with this Law and other insurance groups stipulated by laws and administrative regulations, and other units and individuals shall not engage in insurance business.

Article 7 Where legal persons and other organizations within the territory of the People's Republic of China need to apply for domestic insurance, they shall apply for insurance from insurance companies within the territory of the People's Republic of China.