Is it possible not to display the compulsory traffic insurance sticker in Jiangsu?
3 Answers
In Jiangsu Province, where electronic insurance policies have not been implemented, it is necessary to display the compulsory traffic insurance sticker on the vehicle. Since the 2020 auto insurance reform, the electronic policy for compulsory traffic insurance has been promoted nationwide, but it still requires time for full implementation. Currently, only some regions have truly adopted it. In areas where electronic policies are implemented, the compulsory traffic insurance sticker is no longer required, and drivers only need to present the electronic policy when stopped by traffic police. However, in regions where the electronic policy has not yet been implemented, the compulsory traffic insurance sticker must still be displayed; otherwise, penalties may apply. According to Article 95 of the Road Traffic Safety Law: If a motor vehicle driven on the road does not display the inspection compliance mark or insurance mark, or if the driver fails to carry the vehicle registration certificate or driver's license, the traffic management authorities shall detain the vehicle, notify the party to provide the corresponding certificates or marks or complete the necessary procedures, and may impose penalties in accordance with Article 90 (a warning or a fine ranging from 20 to 200 yuan). As of 2022, the following provinces and cities have abolished the paper-based compulsory traffic insurance label: Beijing, Shanghai, Shandong, Shanxi, Guangdong, Henan, Hubei, Hunan, Jiangxi, Guizhou, Guangxi, Yunnan, Shaanxi, Hebei, Sichuan, and Gansu. Compulsory Traffic Insurance for Vehicles: The full name of compulsory traffic insurance is 'Compulsory Liability Insurance for Motor Vehicle Traffic Accidents.' It is a mandatory liability insurance under which the insurer compensates victims (excluding vehicle occupants and the insured) for personal injuries, deaths, and property losses resulting from road traffic accidents within the liability limits. The premium is based on the nationally unified standard rates. However, the price of compulsory traffic insurance varies depending on the vehicle type, with the primary influencing factor being the number of seats. Compared to the over 20 exemption clauses in commercial third-party liability insurance, compulsory traffic insurance covers a broader range, including losses caused intentionally by the victim, damage to the insured's own property, related arbitration and litigation costs, and certain indirect losses from accidents. Moreover, regardless of whether the insured vehicle is at fault in an accident, compulsory traffic insurance provides compensation within the liability limits, with no deductible or exemption clauses. Introduction to Electronic Policies: An electronic policy refers to a digital insurance policy issued by an insurer using digital signature software compliant with the PKI system and an enterprise digital certificate, bearing the insurer's electronic signature. An insurance policy, often abbreviated as a policy, is the formal written evidence of an insurance contract between the insurer and the insured. It must fully document the rights, obligations, and responsibilities of both parties. The content recorded in the policy serves as the basis for fulfilling the contract, and the policy itself serves as proof of the insurance contract's establishment. Advantages of Electronic Policies: Saves paper resources by eliminating the need to print insurance proof labels; Offers time-saving convenience, unrestricted by location or time, with information accessible online anytime for quick and easy verification; Allows for reissuance or resending, eliminating concerns about loss. If a paper version is needed offline, it can be printed or mailed; Simplifies management, as the standardization of electronic policies makes it easier for insurers and traffic police to manage vehicle insurance information.
Having driven for decades, I know very well that in Jiangsu, the compulsory traffic insurance sticker must be displayed on the front windshield; otherwise, you'll face penalties during traffic police inspections. The law clearly states that failing to display it can result in a 200-yuan fine or a 1-point deduction. I learned this the hard way—once, after renewing my insurance, I forgot to replace the old sticker and got pulled over on the elevated road, ending up with a fine and half a day wasted. Worse, if you're involved in an accident without the insurance sticker, it can cause major issues during claims, as insurers might try to shift blame. That’s why I advise fellow drivers to check their stickers during annual inspections or maintenance to stay compliant and drive worry-free. While some provinces are piloting digital stickers to replace physical ones, Jiangsu still follows the traditional system, so stick to the rules and avoid cutting corners. Safe driving is built on these small details—never take them lightly.
If you're driving in Jiangsu, don't think it's okay to skip the compulsory traffic insurance sticker. If caught by traffic police, you'll be fined 200 yuan directly. My neighbor once got penalty points for this, almost leading to the suspension of his driver's license. Personally, I check my car's stickers every quarter to ensure they're intact, as the adhesive can loosen under summer heat. Putting it on is like buying a safety insurance for your car. Moreover, not having it can affect your annual inspection, causing delays and extra costs during the vehicle check. Some areas like Guangdong have implemented electronic insurance records, but Jiangsu hasn't fully adopted this yet, so we still rely on the paper sticker prominently placed at the lower right corner of the front windshield. So, as a car owner, developing good habits is always beneficial—it takes just a few seconds to stick it on, saving future hassles. Smooth driving without drawing police attention is what matters most.
