How to Handle the Loss of Compulsory Traffic Insurance Policy?
2 Answers
If the compulsory traffic insurance policy is lost, the vehicle owner needs to bring their ID card, vehicle license, relevant documents for purchasing the vehicle, and the proof of compulsory traffic insurance procedures to the business department of the insurance company where the policy was purchased to apply for a replacement of the compulsory traffic insurance emblem. Below are specific details about compulsory traffic insurance: 1. Definition: The full name of compulsory traffic insurance is "Compulsory Motor Vehicle Traffic Accident Liability Insurance." It is a mandatory liability insurance where the insurance company compensates for personal injuries, deaths, and property losses (excluding the vehicle's occupants and the insured) caused by the insured motor vehicle in a road traffic accident within the liability limits. 2. Mandatory Implementation: Compulsory traffic insurance is China's first mandatory insurance system implemented under national legal provisions. Its premiums follow a nationally unified fee standard set by the state, but the prices vary for different vehicle models, primarily influenced by the "number of vehicle seats."
I was also quite panicked when I lost my insurance policy that time, so I immediately called the insurance company's customer service to ask what to do. The customer service representative told me to just bring my ID card and vehicle license to the counter for a replacement. I took some time on the weekend to visit the service center, filled out a policy reissue application form, and the staff printed out a new policy for me on the spot. Note that many companies now offer electronic policies—just download the official app and link your vehicle, so you won’t have to worry about losing it in the future. You can also save a scanned copy of the policy in your phone’s photo album as a backup, which makes it much more convenient when needed. If you really don’t have time to visit in person, some insurance companies also support online applications for mailing services, though you’ll have to wait a few extra days.
