Can non-owners purchase compulsory traffic insurance?

[EmiliaFitz]

Non-owners can purchase compulsory traffic insurance. Below are the specific details about purchasing compulsory traffic insurance for vehicles: 1. Required documents: Personal identification; vehicle driving documents; for official vehicles, an organization code certificate is also required; if delegated, the agent's identification and driving license are needed. 2. Regulations on the policyholder: According to the regulations of compulsory traffic insurance, the owner or manager of a motor vehicle driven on roads within the territory of the People's Republic of China must purchase compulsory traffic insurance. The policyholder of compulsory traffic insurance can be the owner of the vehicle or the manager of the motor vehicle. Others outside these two categories cannot be policyholders of compulsory traffic insurance. 3. Purpose: The purpose of compulsory traffic insurance is to provide compensation within the liability limits by the insurance company for personal injury, death, or property loss suffered by victims (excluding passengers in the insured vehicle and the insured) in the event of an insurance accident involving the insured vehicle.

[LaEdward]

As someone who often helps friends with vehicle-related matters, I've found that non-owners can indeed purchase compulsory traffic insurance, but they need to provide relevant documents, such as a letter of authorization from the owner or a copy of the owner's ID card, to prove that the policyholder has a practical relationship with the vehicle, such as usage or management rights. I think this design is excellent because it ensures road safety and prevents uninsured vehicles from causing harm to pedestrians. I once helped a neighbor with the process, and the insurance company simply asked for clear information about the vehicle and its use, then directly insured it through an app, which felt very convenient. I recommend avoiding cheap, non-official channels to prevent major liability disputes in case of an accident. Compulsory traffic insurance provides mandatory third-party coverage; it's not expensive but highly significant, and keeping it updated can save a lot of trouble.

[VonColin]

When I first got my driver's license, I was curious whether non-owners could purchase compulsory traffic insurance, so I consulted professionals. The answer was definitely yes—the policyholder just needs to be a legitimate user or someone with related interests, but they must submit copies of documents like the vehicle registration certificate. I think this rule is reasonable, as it prevents irresponsible use of vehicles to evade liability. I recommend that beginners check the DMV website or call customer service to learn the details. Compulsory traffic insurance mandatorily covers personal injury, and the cost is uniformly affordable. I believe it's essential to ensure the insurance is valid before driving—safety first, and don't cut corners to save trouble.

[McHailey]

Having driven for decades, I know it's feasible for non-owners to purchase compulsory traffic insurance, but the policyholder must assume vehicle liability. The law permits the policyholder to be the user or responsible person, requiring only proof of identity. It's recommended to go through formal procedures via insurance companies or online platforms, avoiding false advertisements. Protecting innocent pedestrians on the road is the priority, with fixed and reliable premiums.