What is the difference between off site insurance and normal insurance?

When buying a car in a different place, the dealer will advise the car owner to purchase car insurance at the same store to get a better price, and promise that the local insurance agent will help the car owner enjoy the benefits of the floating premium rate in the following year. However, in fact, there are many risks in remote car insurance, and once the insurance claim is settled, it will face a great test. On the one hand, it is also necessary to go to other places to handle car insurance claims, because many insurance companies are currently highly competitive, and even the national joint insurance may not be able to make good business contacts, which causes difficulties for car owners to report and settle claims.

On the other hand, there is the issue of vehicle and vessel tax payment. According to the vehicle and vessel tax policy, the vehicle and vessel tax is collected by the insurance company, and the vehicle owner pays the vehicle and vessel tax when he insures the vehicle with compulsory traffic insurance. However, according to the principle of territorial collection of vehicle and vessel tax, the owner of the car immediately insures the car insurance for the car, and the insurance company in other places is unable to collect the vehicle and vessel tax, and the owner must go back to the local area to pay the vehicle and vessel tax, which is likely to generate unnecessary late fee expenses, and the owner has to work hard.

In addition, the state strictly prohibits the branches of insurance companies from operating insurance business across provinces, autonomous regions and municipalities directly under the central government, so car owners should carefully consider the impact of non-local car insurance on themselves.

Another confusion for car owners is whether to insure car insurance in other places? This is because car owners are new to car insurance, and they are worried about the "foreign number" with the area code of the insurance company. Regarding the concerns of car owners, the person in charge of Ping An ** car insurance explained:

This is actually the confusion between the car owner and the concept of centralized sales of telemarketing. Because according to the regulations of the China Insurance Regulatory Commission, ** car insurance must be operated centrally, so the ** number that the insurance company contacts with its customers and customers has the area code where the operation center is located. "** car insurance adopts the form of centralized sales, and the ** sales center is responsible for the early inquiry, **, confirmation and other processes with customers.

However, the process of policy printing, distribution materials and other processes are all handled by local branches, especially the later claims of car insurance, which are also handled by the branch where the car owner is located, so ** car insurance is not insured in other places. **Auto insurance is a "centralized sales, local claims" insurance method, that is, after the owner completes the insurance purchase through **, after-sales service and claims are still responsible for the local insurance company.

Whether the off-site car insurance is cost-effective or not, whether it is suitable or not, the car owner should carefully consider it in combination with his own situation.

The main differences between buying insurance in other places and buying insurance locally are the difference in premiums, preferential policies, and reporting.

Premium differences because different regions have different premium rates.

standard, so the premium will also vary; Preferential policies are different because of the CIRC.

The preferential policies of each province are different; Different insurance companies have different regulations on reporting off-site car insurance, so it is necessary to ask clearly in advance to avoid unnecessary losses caused by different acceptance methods.

Therefore, buying insurance in a different place may be more troublesome when renewing and making claims than buying insurance locally. It should be noted that if the insurance company is a national insurance company, there will be branches in various parts of the country, even if the insurance is bought in other places, it will not be very troublesome to renew and settle claims. Insurance refers to the commercial insurance behavior in which the policyholder pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility for compensating for the property loss caused by the accident that may occur in the contract, or the insured bears the responsibility of paying the insurance money when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.

There will be a certain difference between foreign insurance and local insurance when making claims, and even if the national general insurance is processed, there may be some troubles when processing. Therefore, try not to buy insurance in other places when buying insurance to avoid troubles caused by subsequent claims.

Users will also encounter vehicle and vessel tax when applying for car insurance in other places.

The payment problem is generally collected by the insurance company when purchasing the vehicle and vessel tax, and the vehicle and vessel tax will be carried out in accordance with the principle of territorial collection, that is, the user can not pay the vehicle and vessel tax when insuring the car in a different place, and the owner has to go back and forth, so there is no need to buy it in another place. No matter what kind of insurance you insure, it's best not to take out insurance in another place. It is best to consult different insurance companies before buying insurance, choose the most suitable type of insurance for yourself according to the type of insurance they offer, and pay attention to the coverage and deductible liability when applying for insurance to avoid unnecessary disputes in the future.

Users generally need to pay a certain amount of money every year when purchasing insurance, and if the payment brings a certain burden to the individual's life, then they should be cautious about insurance. If the individual's income is relatively large, then you can rest assured that you can buy insurance. When buying insurance, try to choose a larger insurance company, such an insurance company has many service outlets, and the follow-up service is guaranteed.

There is a difference between buying insurance in other places and buying insurance locally in terms of the timeliness of claims and the selection of products. Next, the senior sister will talk to you about it. Before starting, the senior sister will give you an insurance strategy:

Before buying insurance, you must first understand these key knowledge points!

1. Statute of limitations.

From the perspective of offline claims, off-site offline claims require the claims adjusters of the insurance company to come from other places to investigate and collect claim materials, and after the collection is completed, they need to be sent to the head office for further review and wait for the claim results, and the whole process takes a long time.

However, due to the close distance, it is more convenient to go back and forth, which will save a lot of time compared with applying for insurance in other places.

From the perspective of online claims, it is more convenient and fast, and there is little difference between local and non-local. Because the entire claim process is carried out on the first stage, as long as the insured meets the claim conditions and uploads complete claim materials according to the requirements of the insurance company, after the insurance company approves it, everyone can often settle the claim smoothly.

If you don't know how to make a claim, you can take a look at this article: How to make a claim after a claim case occurs.

2. The range of product options.

Local insurance limits the range of insurance products that you can choose from, and you can only choose insurance products that are sold locally.

The range of options for remote insurance will be wider, and you can choose insurance products with higher price-to-pay ratio, more comprehensive protection, and more suitable for yourself according to your own needs.

In general, although there are differences between the two in terms of the timeliness of claims and the range of product options. However, whether it is a local insurance or a remote insurance, as long as it is the same product, the protection content is generally the same.

I have the following answers to your questions, I hope to help you and learn more. Many car owners who have purchased car insurance in other places have this feeling: "It is easy to buy car insurance, but it is difficult to settle claims, and it is even more difficult to settle claims in other places".

What is the difference between off-site car insurance and local car insurance? It is mainly reflected in three aspects: compulsory traffic insurance, vehicle and vessel insurance payment problems and claims troubles.

Let's talk about the differences specifically.

1.What is the difference between off-site car insurance and local car insurance?

First, on the issue of compulsory traffic insurance. If the policy and regulatory requirements of the territory are violated, the compulsory traffic insurance policy will be invalid, which will bring hidden dangers to the future insurance claims.

Second, on vehicle and vessel tax.

Payment issues. Vehicle and vessel tax is usually collected by insurance companies, and vehicle owners pay vehicle and vessel tax together with compulsory traffic insurance for their vehicles. However, according to the principle of territorial collection of vehicle and vessel tax, even if the owner insures his car in a different place, the insurance company in other places cannot collect the vehicle and vessel tax, in this case, the owner must go back to the local area to pay the vehicle and vessel tax, which is likely to generate unnecessary late fees.

expenditures, and the owner has to run around and toil. Premium differences, rates may vary slightly from region to region. Differences in underwriting rules, different underwriting rules for different branches of insurance companies. Service differences, value-added services for various branches of insurance companies.

There are differences. 2.The impact of car insurance in other places on claims.

There are certain risks associated with car insurance in different places. First, there is the trouble of making claims. Although the outlets of the same insurance company can carry out the procedures of surveying on behalf of the company, the insurance company in the place where the insurance is insured is still responsible for the final claim after the vehicle is out of insurance.

If the owner is insured in the field, it may not only affect the timeliness of the survey, but also take more time and energy to handle the claim procedures, increase the trouble of many car owners, consume a lot of time and energy, and often outweigh the losses. Second, it may be exposed to the risk of free odds. Generally, the insurance contract will have a clause on the restricted driving area of the insured vehicle and a deductible clause.

According to the specific regulations of each insurance company, if the insurance exceeds the driving area, there will be a 5%-10% waiver in the insurance payout, which depends on the specific policy terms.

There are risks in insuring car insurance in other places, so I hope that major car owners should be cautious. Professional matters still need to consult with a professional insurance broker in order to buy the right one and compensate for it. If I help you, I hope you can give me a thumbs up.

Distinguish. 1. Save on premiums.

1. The advantages of buying car insurance in other places are obvious, just like some car owners, the number of accidents in the previous year is very large, which leads to a sharp rise in car insurance premiums in the second year, and buying car insurance in other places can indeed save a certain amount of premiums, because in the past, the car insurance information platform could only be queried locally.

2. For some car owners who have made a lot of car insurance claims, if they are insured by an insurance company in a different place, the insurance company will not be able to find the owner's claim information in the previous year, which is indeed good from the perspective of cost performance.

3. However, most auto insurance companies have implemented the function of national compensation and resource sharing, so they can only choose some small property insurance companies, but the efficiency of claims settlement of small car insurance companies also needs to be weighed by car owners and friends.

Distinguish. 2. The compulsory traffic insurance policy is invalid.

According to the regulations, compulsory liability insurance can only be sold in designated areas, and if a compulsory liability insurance policy in a different place is purchased through relevant channels, it violates the relevant provisions of the compulsory liability insurance provisions, which will lead to the invalidity of the policy and bring hidden dangers to future insurance claims.

Difference 3: Vehicle and vessel tax payment.

As we all know, the vehicle and vessel tax is collected by the insurance company, and the vehicle owner pays the vehicle and vessel tax when he insures the vehicle with compulsory traffic insurance. However, according to the principle of territorial collection of vehicle and vessel tax, even if the owner insures the car, the foreign insurance company cannot collect the vehicle and vessel tax, and the owner must go back to the local area to pay the vehicle and vessel tax, which is likely to generate unnecessary late fees, and the owner has to work hard.

The differences are as follows: 1. The compulsory traffic insurance policy is invalid According to the regulations, the compulsory traffic insurance can only be sold in the designated area, if the compulsory traffic insurance policy in a different place is purchased through relevant channels, it violates the relevant provisions of the compulsory traffic insurance provisions, which will lead to the invalidity of the policy and bring hidden dangers to the future insurance claims. 2. The vehicle and vessel tax payment problem The vehicle and vessel tax is collected by the insurance company, and the vehicle owner pays the vehicle and vessel tax when insuring the vehicle with compulsory traffic insurance.

However, according to the principle of territorial collection of vehicle and vessel tax, even if the owner insures the car, the foreign insurance company cannot collect the vehicle and vessel tax, and the owner must go back to the local area to pay the vehicle and vessel tax, which is likely to generate unnecessary late fees, and the owner has to work hard.

3. There will be slight differences in premium rates in different regions. 4. Differences in underwriting rules, the underwriting rules of various branches of insurance companies are different. 5. Service differences: There are different value-added services in each branch of the insurance company.

According to different sales channels, car insurance can be divided into traditional car insurance and ** car insurance (online car insurance). **Car insurance through **or the network to obtain**, complete the insurance, is an emerging car insurance insurance model, **car insurance (network car insurance) is popular in Europe and the United States, is its convenience, money-saving and other advantages by domestic car owners. **Car insurance is not considered off-site car insurance.

There is no difference between a long-distance car insurance and a local car insurance policy.

According to the existing insurance situation, there is no difference between the policyholder buying car insurance in a different place and buying car insurance locally. The process of buying car insurance in a different place is basically the same as buying car insurance locally. When applying for insurance, the insured person must bring the driver's ID card.

Driver's license, vehicle driving license.

A letter of introduction and documents related to the insured vehicle can be processed. However, the difference is that after applying for long-distance car insurance, the insurance claim process may be different from that of local car insurance, and the claim process of long-distance car insurance will be more complicated.

It is not possible to return insurance socks in other places, because the company at the time of purchase is insured for everyone, so it is also necessary to return the insurance to the insurance company at the time of purchase. In fact, the surrender application is not very complicated, as long as the surrender application is submitted.

Submit it to the insurance company, explain the reason for surrender and the time of surrender, and then sign it or stamp the official seal.