How Long Can You Delay Renewal of Compulsory Traffic Insurance?
3 Answers
Vehicle compulsory insurance can be delayed for up to three months. Grace period for payment: The compulsory traffic insurance (CTI) can be renewed within a 3-month grace period, during which the original insurer will still accept the renewal. However, according to regulations, vehicles without valid CTI coverage are not permitted on the road. If vehicle owners or managers fail to comply with the compulsory insurance requirement, traffic police authorities may impose a fine equivalent to twice the minimum liability premium that should have been paid. Compulsory Traffic Insurance: Compulsory Traffic Insurance is a mandatory liability coverage where the insurer compensates for bodily injury, death, or property damage (excluding passengers and the insured) caused by the insured vehicle in road accidents, within specified liability limits.
As a seasoned driver with over a decade of experience, I've personally experienced the hassle of letting compulsory insurance expire. I used to think delaying a few days was no big deal, but last year I forgot to renew it. The very next day when I drove out, I was stopped by traffic police - fined double the insurance premium, got penalty points, and my car was almost impounded. That feeling was awful. Had an accident occurred without insurance, all liability would've been on me with devastating financial consequences. Now I've learned to set phone reminders for renewal well in advance. My advice: don't delay beyond one day. Renewing is extremely convenient now through insurance company apps or websites - just enter your license plate number. Delaying too long might even increase your premium. Safety comes first - this coverage protects you on the road. Don't cut corners and take unnecessary risks.
When I was younger, I often slacked off and thought about delaying the renewal of compulsory insurance for a while, believing it would save time. But a friend reminded me that even a single day of delay would be recorded as a violation in the system, and traffic police could check at any time on the road, with hefty fines. Once, I delayed renewal for three days and was fined more than double the insurance premium—it hurt so much. The risk of accidents is even greater; without insurance, hitting a luxury car could leave you bankrupt, unable to cover the damages. Now I know that renewing on time is the most worry-free. Online renewal is super fast—just a few clicks on Alipay. Delaying is just digging a hole for yourself. Don’t think you’ll get lucky; you’re on the road every day, and the cameras are watching.
