The car insurance I bought online has not yet taken effect, how can I get a refund?

Car insurance can be surrendered before it takes effect, bring the policy and personal ID card.

Just go to your insurance company and go through the procedures. If the policy has been in effect, then the compulsory traffic insurance cannot be surrendered, unless the insured vehicle is cancelled according to law, suspended, or deemed lost.

In addition, after the policy is in force, commercial insurance.

There are also two conditions that need to be met to surrender the policy, one is that the policy must be in force, and the second is that the insured vehicle has not been reported or claimed to the insurance company during the policy period. Car insurance bought online is the same as surrendering the insurance policy under **.

If you surrender your insurance before it becomes effective, remember to check the terms of the insurance contract to see if you will be liable for breach of contract, but the general rule is that there are no costs other than the cost of production.

There is another point to note, if you want to refund the compulsory insurance, one.

Be sure to surrender the policy before the insurance becomes effective, because the insurance is effective.

After that, only commercial insurance.

The policy can be surrendered, but the compulsory traffic insurance is not surrenderable.

Target. And commercial auto insurance.

If you want to surrender the policy after it becomes effective, you will be paid a lifetime.

The proportion of the validity time will be returned.

If you buy compulsory insurance, if you want to surrender the compulsory insurance, you must first look at the effective date of the compulsory insurance on the policy, if the compulsory insurance policy has not yet taken effect, you can surrender the policy. However, if the compulsory traffic insurance has taken effect, according to the "Regulations on Motor Vehicle Traffic Accident Liability Insurance", after the compulsory traffic insurance takes effect, if the conditions for surrender are not met, the insurance will not be surrendered.

Compulsory traffic insurance: Compulsory traffic insurance is caused by the insurance company for road traffic accidents of the insured motor vehicle.

Compulsory liability insurance that causes personal and property losses to the victim (excluding the vehicle personnel and the insured) and compensates within the liability limit.

Compulsory liability insurance is the first compulsory insurance system in China that is prescribed by national law. The premium is the implementation of the national unified charging standard, which is uniformly stipulated by the state, but the compulsory traffic insurance of different car models is also different, and the main influencing factor is the "number of car seats".

Other commercial insurance plans can be withdrawn at any time, but there are requirements:

1. The insurance policy of the vehicle.

Must be within the period of insurance;

2. During the validity period of the insurance policy, the vehicle can be surrendered if it has not been reported to the insurance company or made a claim, and the vehicle that has received compensation from the insurance company cannot be surrendered; Vehicles that have only been reported to the insurance company and have not been compensated cannot be surrendered.

3. There are also some special circumstances, commercial insurance can also be refunded.

1) The policyholder has repeatedly purchased insurance;

2) The insured motor vehicle is resold, transferred, or donated to a place other than the place where the vehicle registration is located (the location of the vehicle registration is divided according to the administrative division of the prefecture and city.

Division); 3) The new car is repossessed by the seller due to quality problems or the traffic management department does not accept the relevant technical parameters in accordance with national regulations.

There is a 15-day cooling-off period for purchasing vehicle insurance, and the entire premium can be refunded if the policy is surrendered during the cooling-off period.

Car insurance can be mainly divided into two types: compulsory insurance and commercial insurance, and whether it is compulsory insurance or commercial insurance, you can apply for surrender before the insurance takes effect. Because there is a stipulation: "Normally, if there is no valid car insurance policy, it can be refunded." ”

Of course, if you surrender the insurance before it takes effect, remember to check the terms of the insurance contract to see if you will be liable for breach of contract costs, but the general rule is that there are no other costs other than the cost of production.

Another point to note is that if you want to surrender the compulsory insurance, you must surrender the insurance before the insurance takes effect, because after the insurance takes effect, only commercial insurance can be surrendered, and compulsory insurance cannot be surrendered. If you want to surrender the commercial auto insurance after it takes effect, it will be refunded in proportion to the effective time.

Extended Materials. 1. Commercial insurance, I bought it in advance, but it has not yet reached the effective time, can I get a refund?

Under normal circumstances, compulsory liability insurance cannot be surrendered, and the following six situations can be surrendered.

1) The insured motor vehicle has been deregistered in accordance with the law;

2) The insured motor vehicle is suspended;

3) The insured motor vehicle is confirmed to be lost by the public security organ;

4) The policyholder repeatedly insures compulsory traffic insurance;

5) The insured motor vehicle is resold, transferred, or donated to a place other than the place where the vehicle registration is located (the location of the vehicle registration is divided according to the administrative division of the prefecture and city);

6) The new car is retracted by the seller due to quality problems or the traffic management department does not accept the relevant technical parameters due to non-compliance with national regulations.

2. Car insurance that must be bought.

1. Compulsory traffic insurance Compulsory traffic insurance is a compulsory insurance in China, and all vehicles must purchase a type of insurance. In the event of a traffic accident, the insurance company can only accompany the party who was hit, which means that the conditions for compensation are limited. At the same time, if you do not buy compulsory traffic insurance, then the car will lose the qualification for annual inspection, therefore, it is not possible to buy compulsory traffic insurance.

2. Third-party commercial liability insurance Most car owners and friends will choose to insure compulsory traffic insurance and third-party insurance. Since the amount of compensation paid by the compulsory liability insurance is limited, the purchase of the third insurance can compensate for the excess of the compulsory liability insurance. Even in the unlikely event of an accident, you will be able to receive a reasonable amount of compensation.

Car insurance without deductible Compared with the first two, car insurance is a basic insurance with independence, and insurance without deductible is an additional type of additional insurance for automobiles. Its effect is that if you have an accident to compensate for the cost of 1000 yuan, the insurance company will normally compensate you for 80% of the loss of 800 yuan, if you buy the deductible insurance, then you will transfer the remaining 20% of the amount you want to compensate to the insurance company, that is, you can get 100% of the compensation. Therefore, it is also necessary to purchase this type of insurance.

3. Car damage insurance Car damage insurance is undoubtedly a necessary type of insurance with the widest scope of claims, regardless of the car being damaged, such as collision, scratches, water soaking, etc., it can be claimed by the insurance company, and the amount of compensation ultimately depends on the cause of the incident, the degree of damage and many other conditions to judge. These are must-buy, others are purchased.

According to the provisions of the relevant laws of our country, if the car insurance has not taken effect, the policyholder can surrender the policy, and even if the insurance contract is effective, the policyholder can also terminate the insurance contract

Commercial Auto Insurance Surrender Conditions:1. The policy must be within the validity period; 2. The owner has repeatedly insured the car insurance; 3. The insured car is resold, transferred, or donated to a place other than the place where the vehicle is registered; 4. If the new car is withdrawn by the seller due to quality problems, or because the relevant technical parameters do not meet the national regulations, the traffic management department will not be allowed to go to the household.

Commercial auto insurance can be surrendered after subscription, but certain conditions must be met, firstly, the policy must be valid, and secondly, there is no claim under the insurance contract within the validity period. In addition, if you have just purchased commercial car insurance for less than 10 days, you can cancel the insurance contract at will, and the insurance company will refund the full premium.

I wish you a happy life and a happy family! Trouble to give a thumbs up, thank you!

That's not true.

Compulsory insurance: According to the law, except in special circumstances, once the policy is issued, it cannot be surrendered. Commercial insurance can be surrendered, if the car owner surrenders the policy before the commercial insurance takes effect, it is a normal surrender, and no handling fee will be deducted. If the policy is surrendered after the commercial insurance takes effect, the daily fee will be deducted (for example, the premium of car insurance is 3650 yuan, then 10 yuan will be deducted per day) + handling fee (the handling fee of each insurance company is different, and the maximum will not exceed 10%).

Car owners generally surrender their insurance after purchasing car insurance, because now the insurance of cars is transparent, the price of various insurance companies is not much different, and now the business and services of insurance companies are becoming more and more comprehensive.

The surrender time of commercial insurance is generally completed within five to ten working days. This period of time is a hesitation period, giving the car owner a time to consider, if in the end the car owner still strongly requests to surrender the policy, the insurance company will handle the surrender procedures. The rating systems of each insurance company are interconnected, and if the surrender will affect the car owner's rating in the insurance company, if the car owner's rating is too high, the insurance in each insurance company will be affected.

Commercial auto insurance is refundable. Compulsory traffic insurance cannot be surrendered (except for vehicle scrapping), bring the following information to the insurance company's customer service center for surrender.

The main materials for surrender are:

1. Application for surrender.

2. The original insurance policy, if the insurance policy is lost, it needs to be reissued in advance.

3. Insurance premium invoice.

4. Proof of identity of the insured.

First of all, the vehicle's insurance policy must be within its validity period.

Secondly, during the validity period of the insurance policy, if the vehicle has not been reported to the insurance company or has made a claim, the vehicle that has received compensation from the insurance company cannot be surrendered; Vehicles that have only been reported to the insurance company and have not been compensated cannot be surrendered.

The specific process is roughly like this, when the car owner surrenders the insurance, he must first submit the surrender application to the insurance company, explain the reason for the surrender and when the surrender began, sign it or stamp the official seal, and hand it over to the business management department of the insurance company. After the insurance company reviews the surrender application, it will issue a surrender approval form, which will indicate the surrender time and the amount of premium to be refunded, and collect the car insurance policy. Then the surrenderer can go to the insurance company to collect the refundable insurance premium with the surrender approval form and ID card.

The surrender premium is the premium for the unpaid liability period from the date of the policyholder's surrender application, i.e.:

Surrender premium Premium* (remaining days in force of the policy Total number of days in force of the policy) Extended reading: [Insurance] How to buy, which is better, teach you to avoid these insurance"pits"

If the car insurance is not effective, the policyholder can surrender the policy, and even if the insurance contract is effective, the policyholder can also terminate the insurance contract. According to Article 15 of the Insurance Law of the People's Republic of China, except as otherwise provided in this Law or otherwise agreed in the insurance contract, after the insurance contract is established, the policyholder may terminate the contract, and the insurer shall not terminate the contract. Article 17 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability Article 17 Before the compulsory insurance contract for motor vehicle traffic accident liability is terminated, the insurance company shall bear the insurance liability in accordance with the contract.

When the contract is terminated, the insurance company may collect the insurance premium from the date of commencement of the insurance liability to the date of termination of the contract, and the remaining part of the insurance premium will be refunded to the policyholder.

Legal basis. Article 17 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability (2019 Revision) Before the compulsory insurance contract for motor vehicle traffic accident liability is terminated, the insurance company shall bear the insurance liability in accordance with the contract. When the contract is terminated, the insurance company may collect the insurance premium from the date of commencement of the insurance liability to the date of termination of the contract, and the remaining part of the insurance premium will be refunded to the policyholder.

Article 15 of the Insurance Law of the People's Republic of China Except as otherwise provided in this Law or otherwise agreed in the insurance contract, after the insurance contract is established, the policyholder may terminate the contract, and the insurer shall not terminate the contract.

The car insurance you bought online has not yet taken effect, so you can go to the insurance company with your policy and personal ID card to go through the procedures.

If the policy is already in force, then the compulsory liability insurance cannot be surrendered. Unless the insured vehicle is cancelled in accordance with the law, it can only be surrendered if it is stopped or deemed lost. Car insurance is mainly divided into compulsory car insurance and commercial car insurance.

Compulsory car insurance is an insurance that is required by law, and vehicles are not allowed to be on the road and are not subject to annual inspections. Commercial auto insurance is freely chosen by car owners according to their needs, mainly composed of main insurance and attached town auction fiber insurance.

When applying for insurance, the policyholder shall truthfully fill in the insurance policy, truthfully inform the insurer of important matters, and provide a copy of the driving license and driver's license of the insured motor vehicle. Important matters include the type of motor vehicle, make and model, identification**, license plate number, nature of use, and the name, gender, age, address, ID card or driver's license number (organization**) of the owner or manager of the motor vehicle, the circumstances of the motor vehicle accident before the renewal of the insurance, and other matters stipulated by the CIRC. If the policyholder fails to truthfully inform the important matters and has an impact on the calculation of the insurance premium, the insurer shall re-evaluate the insurance premium according to the policy year.

If a road traffic accident occurs in the insured motor vehicle and causes personal and property losses to the victim other than the vehicle personnel and the insured, the insurance company shall compensate within the limits of the compulsory insurance liability for motor vehicle traffic accident liability in accordance with the law. Compulsory liability insurance shall be compensated according to the following limits:

1. In the case of no liability, the compensation limit for death and disability is 10,000 yuan, the compensation limit for medical expenses is 1,800 yuan, and the compensation limit for property loss is 100 yuan;

2. In the case of liability, the compensation limit for death and disability is 180,000 yuan, the compensation limit for medical expenses is 10,000 yuan, and the compensation limit for property loss is 10,000 yuan.

In the event of a traffic accident, the compulsory traffic insurance claim process is as follows:

1. The traffic police shall make a traffic accident liability determination;

2. Apply to the insurance company and submit claim materials;

3. The insurance company conducts investigation and inspection;

4. The insurance company assesses the loss and valuation, calculates and reviews the compensation;

5. Pick-up.