Can the compulsory insurance purchased from a 4S store for a new car be refunded?
2 Answers
Can the compulsory insurance purchased from a 4S store for a new car be refunded? The answer is yes. Here are some considerations when purchasing insurance: Choosing an insurance company: If you are selecting car insurance on your own, the first step is to find a suitable insurance company. Be cautious when choosing small insurance companies, especially those that are not well-known. This is because filing claims with them can be difficult and troublesome, and their limited nationwide service networks may cause significant delays in processing claims, wasting the car owner's time. Selecting insurance items: When insuring a new car, choosing the right coverage is crucial. The first essential coverage is vehicle damage insurance, which offers great value for money and covers minor scratches and collisions. Next is third-party liability insurance, which serves as a good supplement to compulsory traffic insurance. It costs slightly more but provides much better protection. Additionally, if you don’t have a garage or a fixed parking space, theft insurance is advisable. Other optional coverages can be selected based on your specific needs.
I also encountered the situation where the 4S store forcibly bundled insurance when I bought a new car before, which was quite frustrating. Afterward, I checked the relevant regulations and found that this kind of bundling behavior might violate the Consumer Rights Protection Law, and it's entirely possible to request a refund. The specific steps are: first, check the terms on the insurance policy. Most insurance companies offer a 10 to 15-day cooling-off period, during which you can cancel the policy without paying any handling fees. If the period has expired, contact the insurance company's customer service to confirm the deduction standards. Usually, a small administrative fee is charged based on the number of days. Don't be afraid of the trouble; keep the contract documents for reference. I suggest going directly to the 4S store to negotiate, being firm but polite, explaining the financial pressure and requesting a partial refund. If that doesn't work, call the 12315 complaint platform for help. They handle cases efficiently, ensuring your money isn't wasted. Being forced to buy insurance for a new car is indeed annoying, but taking proactive steps can minimize the losses.
