How to transfer compulsory traffic insurance
With the frequent transactions of second-hand cars, the transfer of compulsory traffic insurance has become the focus of many car owners. Compulsory traffic insurance is a statutory compulsory insurance, and its transfer process is directly related to the legal compliance of the vehicle and the rights and interests of the vehicle owner. This article will analyze in detail the steps, required materials and precautions for transferring compulsory traffic insurance, and also attaches the hot topic data of the entire network in the past 10 days for reference.
1. Compulsory traffic insurance transfer process
To transfer compulsory traffic insurance, you need to follow the following steps:
| steps | Operation content |
|---|---|
| 1 | Complete the vehicle transfer procedures and obtain a new driving license |
| 2 | Contact your original insurance company or your new insurance company |
| 3 | Submit transfer application and related materials |
| 4 | Insurance companies review and change policy information |
| 5 | Receive new policy or electronic endorsement |
2. List of required materials
| Material type | Specific requirements |
|---|---|
| Vehicle transfer certificate | Need to include buyer’s and seller’s information and vehicle information |
| New driving license | Copies must be clearly visible |
| Original compulsory traffic insurance policy | Available in paper or electronic form |
| Proof of identity | Original and copy of the new owner’s ID card |
| Transfer application form | Insurance companies provide templates |
3. Precautions
1.Timeliness: After the vehicle is transferred, the transfer of compulsory traffic insurance must be completed within 30 days. Overdue compensation may affect claim settlement.
2.cost issue: Some insurance companies will charge a small cost (usually 50-100 yuan), but they are not allowed to require re-insurance on the grounds of transfer of ownership.
3.e-policy: If the original policy is in electronic form, you need to apply to the insurance company to change the insured's information.
4.Transfer across provinces: You need to confirm whether the insurance company supports off-site modification, and you need to re-insure if necessary.
4. Reference of recent hot topics (last 10 days)
| Ranking | Topic content | search volume |
|---|---|---|
| 1 | New energy vehicle insurance prices increase | 180,000 times per day |
| 2 | Guide to avoiding pitfalls in second-hand car transfer | 120,000 times per day |
| 3 | Compulsory traffic insurance compensation scope adjustment | 90,000 times per day |
| 4 | Legal validity of electronic insurance policies | Average daily 70,000 times |
5. Frequently Asked Questions
Q: What should I do if the original car owner does not cooperate with the transfer?
A: You can apply to the insurance company for compulsory revision based on the vehicle sales contract, and if necessary, resolve it through legal channels.
Q: Will the premium change after transfer?
A: Compulsory traffic insurance premiums are assessed based on the vehicle and have nothing to do with the vehicle owner, but commercial insurance may be adjusted based on the vehicle owner’s qualifications.
Q: Can I handle transfer of ownership online?
A: Some insurance companies support APP or official website application, and electronic versions of materials need to be uploaded.
Summary: The transfer of compulsory traffic insurance is an important part of second-hand car transactions. Car owners should proactively follow up on the progress of the process and keep complete certificates. If you encounter special circumstances, it is recommended to consult the local traffic control department or a professional lawyer in a timely manner.
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