Can my vehicle's insurance be transferred when relocating to another region?
2 Answers
Can my vehicle's insurance be transferred when relocating to another region? Meaning of vehicle insurance: Vehicle insurance, also known as motor vehicle insurance or car insurance, refers to a type of commercial insurance that covers liability for personal injury or property damage caused by natural disasters or accidents involving motor vehicles. Classification of vehicle insurance: Commercial insurance is an indefinite-value insurance, divided into basic insurance and additional insurance, where additional insurance cannot be purchased independently. Basic insurance includes third-party liability insurance and vehicle damage insurance (comprehensive coverage); additional insurance includes full vehicle theft insurance (theft coverage), on-board liability insurance, no-fault liability insurance, cargo drop insurance, standalone glass breakage insurance, vehicle downtime loss insurance, spontaneous combustion loss insurance, new equipment loss insurance, and deductible waiver insurance. The commonly referred-to compulsory traffic insurance (i.e., compulsory motor vehicle traffic accident liability insurance) also falls under the broad category of third-party liability insurance. Compulsory insurance is mandatory, and vehicles must have it to be driven on the road, undergo annual inspections, and be registered. In the event of third-party losses requiring claims, compulsory insurance must be paid out first before other types of insurance.
I've been driving for over a decade and have gone through several vehicle registration transfers across different cities. When transferring a vehicle from one city to another, the insurance doesn't automatically follow, but you can notify your insurer to update the information for the transfer. The process is quite straightforward: After obtaining the new license plates and vehicle registration certificate, immediately call the insurance company's customer service or visit a branch office to provide the new address, new license plate number, and personal ID. They'll reassess the risk, which might lead to premium adjustments—for example, moving from a big city to the suburbs could lower your premium, and vice versa. That's exactly what I did when transferring from Beijing to Hebei, it took just 20 minutes to complete, and my premium actually decreased slightly. The key is to get this done within 30 days of completing the registration transfer, otherwise the insurance might lapse, creating risks. I recommend consulting about the process one or two weeks before the transfer, bringing original documents just in case. Remember to keep the new policy safe and always carry it while driving—safety first.
