Car insurance about the renewal of the policy after the insurance is issued

1.No, the insurance company is linked to the premium according to the number of accidents, and has nothing to do with the amount of compensation, generally more than 5 times in 1 year will be blacklisted, and the second year of more than 5 times will have a lot of premiums, and may even refuse to insure commercial insurance.

2.If you only go out of insurance 3 times, according to the standards of PICC and CPIC, there will be a discount of 1%, 4 times will be 8%, and more than 5 times 17%.

"I don't understand what it means."

If it is an accident, it will basically be hated by the insurance company, and the same company should not give a discount if it renews the insurance.

You can try it at another company, commercial insurance may be discounted, but generally compulsory traffic insurance is networked, and each company can check your insurance information.

It's not enough to deny you protection.

2.There will definitely be no discount on your premium, and it may be a little more.

Generally, they don't care about the insurance for 2 times, and the premium will increase if there are more.

Up 20% 50%.

About half of the companies will deny insurance.

For you, the estimated premium is going to be doubled.

Because the so-called increase is not based on your last year's premium.

Rather, it will be increased on the basis of the original price.

Because the current insurance is generally 7 8% off in the first year.

so...Ask a few more companies this year. Last year's words were fine. You can also go to other companies that don't have an internet connection to get insurance.

But now there is an insurance claim inquiry system on the Internet. So. I can't get confused.

If you have any other questions, you can continue to ask

Serious loss customers, it's a novice! The premium may rise in the following year and the policy may be refused.

If you float up, or refuse insurance, you can go to another company to insure, it's okay.

Summary. Hello dear, happy to answer for you. There are three 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.

Reasons why car insurance cannot be renewed.

Hello dear, happy to answer for you. There are three 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.

Vehicle insurance, i.e., motor vehicle insurance, abbreviated as car insurance, is also known as car insurance. It refers to a kind of commercial insurance that is liable for personal ** or property damage caused by natural disasters or accidents of motor vehicles. Car insurance is a kind of property insurance, in the field of property insurance, car insurance belongs to a relatively young type of insurance, which is due to the emergence and popularization of car insurance is born and developed with the emergence and popularization of automobiles.

At the same time, unlike modern motor vehicle insurance, in the initial stage of automobile insurance, the third-party liability insurance of the car is the main insurance, and gradually extended to the risk of collision damage of the car body.

If the previous year's car insurance has not expired, and the car insurance is renewed, it should be counted in the insurance range of the new year. According to the relevant regulations of the Insurance Regulatory Commission, if the insurance date is between the two annual insurance purchase dates, even if the old policy has not expired, the new policy will be deemed to have an insurance record. Moreover, the car owner has signed a contract with the insurance company, the premium has been settled, and may have enjoyed the relevant discounts, if the number of accidents is still counted in the old insurance, it is really unfair to the insurance company.

Since the car insurance premium reform has been implemented, this insurance will inevitably affect the premium for the next year. The new policy stipulates that during the annual insurance period, the premium of one vehicle insurance will not be discounted, and the premium will be increased by 25% for two accidents, 50% for three accidents, 75% for four accidents, and doubled for five accidents.

Therefore, car owners need to be cautious during future driving and do not allow the number of accidents to increase.

Compulsory car insurance cannot be paid after it expires and should be renewed within 90 days before it expires. Once out of insurance, a fine of 2 times the compulsory insurance will be imposed.

According to the provisions of the Regulations on Compulsory Traffic Insurance, the owner or manager of a motor vehicle driving on the road within the territory of the People's Republic of China shall take out compulsory traffic insurance, and if the owner or manager of a motor vehicle fails to take out compulsory traffic insurance in accordance with the regulations, the traffic management department of the public security organ has the right to detain the motor vehicle, notify the owner or manager of the motor vehicle to take out insurance in accordance with the regulations, and impose a fine of twice the insurance premium payable.

You can't buy car insurance later when it expires, because car insurance mainly includes compulsory traffic insurance and commercial insurance. Compulsory traffic insurance is a mandatory insurance required by the state, and if it is not purchased in time after expiration, the car will still be on the road if it is detected, and it will face a fine of twice the minimum insurance premium.

1. Compulsory traffic insurance: There will be no discount within 48 hours of being out of insurance, so the expiration of compulsory traffic insurance should not exceed 48 hours at the latest.

2. Commercial insurance: There is no mandatory purchase requirement for commercial insurance, but commercial insurance is usually used as a supplement to compulsory insurance. If the commercial insurance is out of policy within 3 months to 6 months, the commercial auto insurance will rise by 10%, so the commercial insurance should not be paid more than 3 months after expiration.