Can expired car insurance be reinstated?
2 Answers
Expired car insurance can be reinstated. There is no penalty for reinstating compulsory car insurance after it expires. However, if you drive on the road without renewing the compulsory insurance immediately after it expires and are caught by traffic police, you will be fined twice the standard premium. Here are some details about car insurance: 1. What to do if car insurance expires: You can renew the insurance. Currently, most insurance companies consider policies that have lapsed for more than three months as new policies. Even if there were no claims in the previous year, discounts will be calculated as for a new policy after a lapse of three months, typically around an 85% discount. 2. Required documents for application: Vehicle registration certificate, copy of the insured's organization code (if applicable), copy of identity proof, original identity proof of the insurance applicant, vehicle qualification certificate, new car purchase invoice, etc.
You can definitely renew your car insurance after it expires. I just contacted the insurance company's customer service to renew it directly. Last time, I forgot to renew my insurance and only realized it had expired for a week. I immediately called them, and they asked me to provide vehicle information and a photo of my driver's license, then made an online payment to settle it. The new insurance took effect the next day. However, it's very dangerous to drive during the expired period—if an accident happens, you'll have to cover all the losses yourself, and you might also face fines and penalty points if caught by traffic police. So, I strongly recommend renewing it immediately without delay. The longer you wait, the greater the losses, such as losing your no-claims discount and facing higher premiums. Additionally, policies vary by company—some may charge a late fee or require extra inspections. It’s always good to ask around and understand the details.
