How to Purchase Insurance for a Vehicle That Has Lapsed Coverage?
2 Answers
Methods for Handling Lapsed Motor Vehicle Insurance: 1. Phone or SMS: Generally, insurance companies will promptly remind policyholders of upcoming insurance expiration via phone or SMS notifications. Vehicle owners should pay close attention to these reminders. If the policy has already expired, call the insurer for consultation. 2. Online Renewal: Directly renewing with the insurance company may consume valuable time and require filling out numerous forms, which can be somewhat cumbersome. In such cases, opting for online renewal is advisable. Vehicle owners simply need to log in to the official website of their chosen insurance company and follow the on-screen instructions to input relevant information, enabling quick completion of the renewal process. 3. Set Reminders: Most smartphones come with a reminder function. It's best to set up a reminder for insurance renewal. Although people change phones frequently, developing this habit can be highly beneficial. 4. Reapply for Insurance: At this point, considering reapplying for insurance becomes necessary.
My car also lapsed in coverage last year, and I had to rush to renew the insurance. Actually, buying insurance for a lapsed vehicle is quite simple, mainly divided into online and offline methods. For online, just use a mobile app like Alipay or the official app of the insurance company, enter the license plate number and vehicle information, and the system will automatically provide a quote. Last time, I bought it through the Ping An Good Driver app, and the whole process took only ten minutes. For offline, bring your ID card and vehicle registration to the insurance company's branch, and they will help you process it on-site. However, be aware that if the lapse exceeds 90 days, the system will classify the vehicle as high-risk, and you may need to retake inspection photos. The premium will increase slightly because there are no discounts. For commercial insurance, it's recommended to at least purchase third-party liability insurance and vehicle damage insurance—don't just buy compulsory traffic insurance to save money. Finally, a reminder to all car owners: set a memo on your phone a week before the insurance expires, and don't let it lapse like I did. If an accident happens, you really won't be able to handle it.
