What documents are needed to purchase car insurance?

[DiLondyn]

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.

[HenryMarie]

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.

[VonIvan]

Just helped my sister with car insurance two days ago, she said only an ID card was needed, but we ended up making two wasted trips. Personal experience tells you: new car owners must bring the purchase invoice and vehicle qualification certificate, especially for recently licensed cars. For policy transfers, remember to bring the original insurance policy - if you don't have a paper copy, you can show an electronic policy screenshot. Must bring the exact bank card used for payment - my sister changed her phone number without updating it, almost couldn't complete the deduction. Actually, renewals are quite simple now as insurers keep records, but for first-time insurance, you still need to prepare document photos, especially the collateral certificate for financed cars - this is most easily overlooked.

[DiMadelyn]

Don’t wait like my colleague to get rejected before realizing you need additional documents! Last month, when handling his car insurance, it got held up just because of missing non-owner documents. Remember: when the car owner and the policyholder are not the same person, besides the vehicle license and the owner’s ID card, you must also bring the original ID of the policyholder, and it’s best to prepare a letter of authorization. Insuring under a company name is even more complicated—you’ll need a stamped copy of the business license, a copy of the legal representative’s ID, and invoicing materials if issuing an invoice. To secure discounts, bring a copy of last year’s policy—those with fewer accidents can get up to 30% off. Missing any of these documents might lead to disputes during claims, so it’s wise to clarify everything with your agent in advance.