Is it still mandatory to display the compulsory traffic insurance decal now?
2 Answers
Electronic policyholders are not required to display the compulsory traffic insurance decal, but in cities where electronic policies are not yet implemented, the decal must be displayed. Below is relevant information about the compulsory insurance decal: 1. Compulsory Liability Insurance: All vehicles legally operating on roads must have compulsory traffic insurance, which is a mandatory liability coverage. In addition to this, many drivers also purchase commercial insurance such as vehicle damage insurance and third-party liability insurance, which are not compulsory. However, compulsory traffic insurance is required for every vehicle. Without it, vehicle transfers cannot be processed, annual inspections cannot be conducted, and many vehicle-related services cannot be completed. 2. Paper Policy: In terms of legal validity, electronic policies are equivalent to paper policies. Electronic policies are a new form of insurance policy introduced by insurance companies, utilizing PKI system electronic signature software and corporate digital certificates to issue electronically signed policies to policyholders. Currently, the standard format is PDF. Simply downloading the electronic policy equates to possessing an insurance contract, which is legally the same as holding a paper policy.
I remember clearly that in the past, we had to stick that blue-background-with-white-text compulsory traffic insurance label on the front windshield before driving. But now the policy has really changed! Last year when I renewed my insurance, I found that the insurance company directly issued an electronic policy, saying that most places across the country have canceled the mandatory display requirement. This change was actually piloted in Beijing and Shanghai a few years ago, and now even our small county town can use mobile phones to show electronic certificates. However, be careful—some remote areas may not have fully implemented the electronic system yet, so it's best to check on the Traffic Management 12123 APP before traveling. Compulsory traffic insurance itself is still mandatory; if you're caught without insurance or unable to present electronic proof, you'll still face point deductions and fines. To be safe, I keep a double backup of the electronic policy on my phone and cloud storage.
