How to Buy Insurance for a Car That Stays Long-Term in Another Location?
2 Answers
Vehicle registration certificate or certificate of conformity, and purchase invoice are required. If the insurance applicant is an individual, an ID card is needed; if it's a company, the organization code certificate is required. When insuring a new car, the engine number is generally used as the license plate number. Once the vehicle is properly licensed, remember to update the license plate information with the insurance company. A driving license and the previous year's insurance policy are needed. These are usually not required when renewing with the same company, but some companies may request them when switching to another insurer.
My car is parked in a different location for a long time, and I handle all insurance purchases through mobile apps or the official websites of insurance companies. Nowadays, many insurers support cross-region insurance purchases. Choosing large companies with nationwide claim services, such as PICC or Ping An, is the most hassle-free option, as they have extensive claim service networks. The key is to plan the timing in advance—just renew the policy one month before the current one expires to avoid the hassle of being uninsured. For commercial insurance, it's advisable to fully cover third-party liability and vehicle damage insurance, especially since unfamiliar road conditions in other regions pose higher risks. For documentation, you only need to upload photos of your ID card and vehicle license—no need to drive the car for an annual inspection. After payment, the electronic policy is sent directly to your email, and the hard copy is mailed to your out-of-town address, with no impact on usage.
