What documents are needed to purchase car insurance?
2 Answers
To purchase car insurance, you need to bring the vehicle registration certificate or vehicle qualification certificate, new car purchase invoice, ID card copy, etc. The specific requirements are as follows: Documents required for new car insurance: Vehicle registration certificate or qualification certificate; purchase invoice; if the insurance applicant is an individual, an ID card is required; if the insurance applicant is a company, an organization code certificate is needed. Documents required for used car insurance: Vehicle license; previous year's car insurance policy (usually not required for renewal with the same company, but some companies may request it when switching to another company); if the insurance applicant is an individual, an ID card is required; if the insurance applicant is a company, an organization code certificate is needed; valid ID of the insured (passport can be used if no ID card is available); vehicle license of the insured; for renewal, the previous policy signed by the applicant must be brought; for new insurance, no policy is required; if a designated driver is needed, the driver's license must be provided; for a new vehicle, the vehicle purchase contract, new vehicle inspection certificate, or new car purchase invoice with the engine number and frame number is also required; for a second-hand vehicle, the transfer registration certificate must be provided.
I'm quite familiar with helping friends handle car insurance. You need to bring the vehicle registration certificate and ID card, and it's safest to bring your driver's license as well, especially when buying from a new company you haven't worked with before. Remember to confirm the expiration date of last year's policy and handle it about ten days in advance to avoid a coverage gap. Last year, I went to renew my policy three days before it expired and happened to encounter a system upgrade delay, which resulted in being fined by the traffic police that day. Also, note that for transferred or financed vehicles, you'll need to bring the green book and mortgage certificate, as many small insurance companies now require photo documentation. If you have any discount coefficient certificates, like a group insurance proof from your workplace, remember to bring them too. Last time, my neighbor forgot to bring theirs and missed out on saving over 300 yuan.
