What are the mandatory insurances for a new car in the first year?

[DelKennedy]

For a new car in its first year, compulsory insurances include compulsory traffic insurance, third-party liability insurance, vehicle damage insurance, scratch insurance, and no-deductible insurance among other commercial auto insurances. Below are the relevant introductions: 1. During vehicle use: Whether it's a new or old car, there are risks involved in driving. Commercial insurance serves as a supplement to compulsory traffic insurance. Relying solely on compulsory traffic insurance is not wise, as accidents can result in substantial costs. To mitigate risks, it is recommended that car owners consider their needs and usage environment to decide whether to purchase certain types of insurance. 2. Vehicle damage insurance: This insurance covers the policyholder in the event of a traffic accident that causes damage to the vehicle, with the insurance company providing compensation within a reasonable range. Third-party liability insurance provides compensation for injuries to others or damage to others' property caused during driving, as agreed upon by the insurance company.

[CarmenMarie]

Just bought a new car, need to pay extra attention to insurance. The first year requires compulsory traffic insurance, which is a national mandatory regulation—you can't drive without it. It costs about 950 yuan per year, mainly covering others' bodily injury and property damage in accidents, but the coverage is limited, only around a hundred thousand yuan. I recommend also getting third-party liability insurance with coverage starting at least at 1 million yuan, so if you accidentally hit a luxury car or injure someone, it won’t wipe out your savings. For a new car, it’s best to add vehicle damage insurance to cover your own car’s losses, like hitting a tree or flooding, saving a lot on repair costs. No-deductible insurance is also worth getting to avoid paying out of pocket for minor incidents. Passenger liability insurance covers you and your passengers, costing just tens of yuan for peace of mind. If there’s a risk of scratches or theft, you can opt for additional coverage based on your region. Don’t just go for the cheapest option—get all the necessary coverage for a more secure drive.

[LaElijah]

Our family has a new car, and we’ve given a lot of thought to safety. The first year requires compulsory traffic insurance (CTPL), which is mandated by law—driving without it incurs fines. It covers accident compensation but has limits. We highly recommend third-party liability insurance and opted for 2 million coverage, fearing major accidents with significant liabilities. Car damage insurance is a must for new cars, covering high repair costs—new car damages are both heartbreaking and expensive. We also got passenger liability insurance to protect our family and kids while riding. Additionally, we added no-deductible coverage so the insurer pays fully for minor scrapes, saving us out-of-pocket expenses. As for theft or glass coverage, it depends on parking conditions—our neighborhood is safe, so we skipped those. In short, don’t cut corners in the first year: CTPL is the foundation, add others as needed, safety outweighs saving money.

[DiElle]

When choosing new car insurance rationally, compulsory traffic insurance is a must—it's illegal not to buy it, with a fixed cost of around 950 yuan. Third-party liability insurance is recommended, with 1 million coverage being sufficient for peace of mind in case of accidents causing others' losses. For new cars, vehicle damage insurance is advisable as it covers self-inflicted damage, saving on repair costs. Adding no-deductible insurance increases the coverage ratio. Passenger liability insurance is low-cost and ensures passenger safety. If on a tight budget, prioritize these core items; others like theft insurance can be omitted. The first year's compulsory insurance is the baseline—just don't neglect responsibility.

[Anastasia]

As an experienced driver, I know all about new car insurance. In the first year, you must have compulsory traffic insurance - you'll get fined every time you're caught without it. Get third-party liability coverage of at least 1.5 million, as accident compensation can be hefty these days. Comprehensive coverage is essential for new cars to protect your vehicle and ensure worry-free repairs. Add passenger liability insurance - small cost for big protection. I always opt for zero deductible coverage to avoid hassle with minor accidents. Scratch insurance is very practical for new cars, reducing maintenance costs. Theft insurance depends on your car's value and location - use your judgment. Bottom line: don't skimp in the first year. Compulsory insurance is the foundation, and experience shows full coverage saves trouble and gives peace of mind.

[GabriellaRose]

I take great care of my new car's insurance. In the first year, compulsory traffic insurance is a must—it's illegal to drive without it. I opted for third-party liability insurance with 3 million coverage, giving me peace of mind on the road. Vehicle damage insurance is essential for protecting my new car, covering all damages. No-deductible insurance is a must to reduce out-of-pocket expenses. Passenger liability insurance ensures my family's safety. I also added water damage insurance for rainy days. Other options like glass and scratch insurance depend on personal preference. Not all are mandatory, but compulsory insurance is the starting point. A reasonable combination of these ensures worry-free driving for my beloved car.