Is it mandatory to display the car insurance sticker?
4 Answers
As of 2021, vehicle insurance labels no longer need to be displayed, only the annual inspection label is required. All vehicles on the road should affix the inspection label in a visible position on the upper right corner of the front windshield. Motor vehicles that fail to place the annual inspection label as required will be penalized with 1 demerit point and a fine when driving on the road. Here is additional information: 1. Electronic insurance policy: The electronic auto insurance policy is a digital document issued by insurance companies to policyholders as proof of motor vehicle insurance contract relationship, including commercial auto insurance electronic policies and compulsory traffic insurance electronic policies. The electronic compulsory traffic insurance label has the same legal effect as traditional paper policies. 2. Compulsory traffic insurance label: The compulsory traffic insurance label has been completely replaced by electronic labels. After purchasing auto insurance, there is no need to collect insurance policy documents from the insurance company. For claims settlement, only identification documents are required for processing, and there's no need to display the compulsory traffic insurance label on the windshield anymore.
As an ordinary driver with over a decade of experience, I can personally tell you that insurance stickers must be properly displayed. Last year, I was too busy to replace the expired sticker and got pulled over by traffic police at a highway exit. Not only was I fined 200 RMB, but I also received penalty points, which affected my insurance renewal discounts later. This is because Chinese traffic regulations require valid insurance proof to be displayed in the upper right corner of the windshield, and police can check it anytime. Not displaying it is equivalent to breaking the law—you could face fines, vehicle impoundment, or endless trouble. Though small, these stickers serve important purposes: at accident scenes, they allow the other party and police to instantly confirm your insurance coverage, reducing dispute time; they help maintain your credit record; and they serve as reminders to renew your policy. I've even seen cases where friends with deteriorated stickers got denied claims, so I always replace mine immediately after renewal. In short, don't skip this small but crucial step—it ensures both safety and savings.
From my observation, the car insurance sticker does indeed need to be affixed to the windshield—this isn't just a suggestion but a legal requirement. In China and many other countries, traffic regulations mandate that vehicle owners display their insurance decals for immediate inspection by law enforcement. Failure to comply may result in fines or more severe penalties, such as vehicle impoundment and travel delays. The purpose of the sticker is straightforward yet effective: it serves as proof of valid vehicle insurance, protecting oneself from unexpected losses; it reduces confusion during accident handling; and it helps other drivers trust your compliance. Experience tells me that although electronic insurance options are now available, traditional stickers remain widely used. Neglecting this detail is akin to playing with fire—once an incident occurs, insurers may delay claims processing. Therefore, I advise every car owner to develop the habit of timely sticker placement, safeguarding collective safety.
I'm a new driver with less than a year of experience. When buying the car, the salesperson emphasized the importance of the insurance sticker. He said it must be affixed to the designated spot on the windshield, otherwise police may issue fines during inspections, which could also cause misunderstandings and affect travel plans. I don't fully understand all the rules, but through simple practice I've found: it's very easy to apply, takes up just a small space without obstructing vision. It helps quickly prove insurance details in case of accidents, avoiding arguments and delays. After renewing insurance, I immediately replace the sticker to ensure everything stays legal. Though a small matter, it can prevent major troubles.
