How to Purchase Compulsory Traffic Insurance for a Vehicle Not Under Your Name?
3 Answers
Log in to the official website of the insurance company, follow the relevant instructions to purchase vehicle insurance. After successful payment of the insurance premium, wait for the insurance company to deliver the policy. Alternatively, you can directly visit an offline branch of the insurance company. The policyholder needs to bring the vehicle registration certificate, the previous year's insurance policy, and their ID card to complete the payment.
Last time I helped a friend buy compulsory traffic insurance for their car, and it felt quite straightforward. The car owner provided me with a copy of their ID card and the original vehicle registration certificate, while I brought my own ID to the insurance company's counter. The staff had me fill out a letter of authorization to ensure the owner consented to me purchasing the insurance on their behalf. The whole process took about half an hour, and I received the policy right after paying the premium. The insurance took effect the same day and covered a full year. I think the key is not to overstep—without the owner's authorization, the insurance company won't proceed. Also, a heads-up: if the vehicle has any violation records, the premium might be higher, but it doesn’t block the purchase. Overall, acting as a proxy for insurance is very safe as long as all documents are in order, which helps avoid a lot of hassle—especially when borrowing a car, ensuring the insurance is valid is crucial.
I often help family or colleagues buy compulsory traffic insurance, and once you're familiar with the process, it becomes hassle-free. First, have the car owner write a letter of authorization or give verbal confirmation. I prepare copies of the owner's ID card, vehicle license, and my own documents, then either visit the insurance company in person or upload everything via an app. Using a mobile app to buy insurance is the most convenient—just take photos of the required documents and make the payment online. If the owner is unavailable, I can handle it on their behalf, but the policy must be under the owner's name. Note that premiums vary depending on the car model and year, with regular small cars costing just a few hundred yuan. Don’t forget to check the insurance expiry date—overdue policies may incur fines. When buying on someone’s behalf, asking more questions about the details ensures peace of mind.
