After many car owners buy used cars, they will encounter a problem - used car insurance. This problem makes many car owners feel very embarrassed and don't know where to start. Because many people buy second-hand cars for the first time, second-hand car insurance is different from new car insurance, and there are always many problems in the process of handling. What about transfer of used car insurance? Small edition with you to understand the transfer of second-hand car insurance process list.
Generally speaking, the original insurance of second-hand car to be transferred hasn't expired. After the transfer of second-hand car, the information of the owner of the registration certificate should be changed, and the new vehicle number plate and driving book should be collected. Then both parties can transfer the insurance. Second hand car insurance transfer does not need cost, the material is also relatively simple. Both parties of the transaction shall go to the insurance company and take the original insurance policy, driving license, license plate transfer invoice and other documents. The vehicle does not need to be opened to the company. After submitting the materials, the insurance company will review and issue an endorsement on the spot to complete the insurance transfer.
When it comes to second-hand car trading in other places, it may be a bit of a hassle. Because after the second-hand car is transferred to the buyer, the buyer does not have to transfer the original owner's insurance. He can choose to directly push out the original insurance, but he needs to keep the compulsory insurance (the compulsory insurance can also be refunded after the registration on the floor). But sometimes the original insurance of a lot of second-hand cars will expire or the buyer does not want the original insurance and directly refunds it. At this time, they are facing a new problem. What kind of insurance should they buy for second-hand cars? What should they pay attention to when buying insurance?
At present, there are many kinds of insurance in our country, and each of them has its own advantages, so many car owners don't know how to choose insurance when they choose it, and they can't buy insurance reasonably. At this time, how should we choose? Teacher Yi from the Academic Affairs Office of China automotive network school told us that we should consider the condition and value of second-hand cars as well as their own technical and economic strength. Before insurance, we should think about which kind of car to choose, and adhere to the principle of voluntariness, different priorities and full amount of insurance. Second hand car owners in the purchase of insurance, in addition to the compulsory insurance provided by the state, they should also be voluntary insurance, voluntary choice of insurance. Before insuring, we need to accurately evaluate the value of the vehicle, and decide whether to insure and what kind of vehicle to invest.
If the value of the vehicle is high, we should consider more types of insurance. Because this kind of car is damaged a little, we all feel defective, take it to repair, the cost may be quite high. For example, scratch insurance is not very important for ordinary vehicles, and the price is not too expensive, but if a luxury car is zoned together, the owner will definitely go to repair it, so we can take this kind of insurance. Secondly, when insuring, we should pay attention to the difference of primary and secondary, and fully consider the actual economic ability of individuals. The main difference between basic insurance and additional insurance is to distinguish the primary and secondary insurance and make a reasonable choice. If the owner's economy is relatively rich, only the main types of insurance, such as vehicle loss insurance, third party liability and franchise insurance, can be selected. There is no need to cover other types of insurance. Secondly, the owners should pay attention to the reasonable combination of their own insurance. For example, if the vehicle loss insurance has been covered, the glass breakage or spontaneous combustion loss insurance can also be covered according to the actual situation, so that the main insurance and the additional insurance can be combined and complemented each other.
How to calculate the second-hand car insurance? Chinacar online school reminds you to learn how to choose the second-hand car insurance to help you save more money. For example, the risk of second-hand car theft and robbery is not great. At this time, the waiting owners may not apply for the whole car theft and rescue insurance at their discretion, while the vehicle loss insurance can be applied according to the purchase price of the new car and the actual price. In a word, when buying a used car, we should not only consider the performance and condition of the car, but also pay attention to the insurance relationship between the buyer and the seller. We should know that the historical record of the used car will also affect its later operation. For example, if you choose a vehicle that has not been claimed from an insurance company, you can get a certain discount when you insure or renew it.
Because the lower the amount of insurance, the lower the premium and the less the compensation, the second-hand car owners must distinguish the insurance value, the amount of insurance and the amount of compensation to ensure full coverage. In this way, it is possible to get enough compensation in case of an accident, otherwise it will cause undue loss. However, experts believe that the insured must submit written materials to the insurance company when the second-hand car is resold, transferred or presented to others, or its use is changed, otherwise the insurance company has the right to take measures to refuse compensation. If the owner of the new car does not establish an insurance contract with the insurance company, the owner shall bear the responsibility after the accident. Therefore, after buying the second-hand car, we must deal with the insurance relationship reasonably.