Must the first insurance be purchased at the 4S store where the car was bought?
2 Answers
When buying a car for the first time, insurance does not have to be purchased at the 4S store. The details are as follows: 1. According to Article 9 of the Consumer Rights Protection Law: Consumers have the right to independently choose the operators who provide goods or services, independently select the types of goods or service methods, and independently decide whether to purchase any product or accept any service. 2. During the sales process, merchants can suggest handling insurance, but they cannot force consumers to purchase it. 3. When consumers independently choose goods or services, they have the right to compare, evaluate, and select.
I just bought a new car recently, and the 4S salesperson told me that the first insurance must be purchased at the dealership. However, after consulting a friend from the insurance regulatory bureau, I learned that there is no such regulation. You can buy insurance from any company, but 4S shops prefer bundled sales to earn commissions. They often use free gifts to offset the insurance price difference to attract you, such as offering two free maintenance services but requiring you to buy full coverage insurance from them. I compared the prices myself, and for the same Ping An car insurance package, buying outside could save me over two thousand yuan. Remember, the most cost-effective way is to directly call the insurance company to purchase the policy after getting the car purchase invoice. Nowadays, you can get an electronic policy in just three minutes through a mobile app.
