What to Do with Insurance When Transferring Vehicle Registration Without Changing Owner?
2 Answers
When transferring vehicle registration without changing the owner, the insurance should also be transferred. Timely completion of the vehicle insurance transfer procedures is an effective measure to fully safeguard your legitimate rights and interests. The vehicle owner's residence is relocated into the jurisdiction of the vehicle management office. Required documents include proof of rights transfer, the vehicle registration certificate, the vehicle file, and the original and photocopy of the ID card. The process will be completed within three working days if all required documents are provided.
When transferring vehicle registration without changing ownership, it's best to promptly update the insurance. From my experience, after the transfer, the vehicle's registered address changes, and the insurance company needs to adjust the policy based on the new address. Otherwise, it might affect claims in case of an accident. The process is straightforward: once you receive the new vehicle license, contact the insurance company’s customer service immediately and inform them of the new address. Last time, I called the insurance company’s hotline on WeChat, uploaded a photo of the new license, and it was sorted out in minutes—no need to switch insurers, and the premium remained the same. Not updating poses significant risks; for example, if an accident occurs and the address discrepancy is discovered, the insurer might delay or reduce the payout, which would be a huge loss. Now, driving feels much safer and more legitimate, so I recommend handling it proactively without waiting for the insurer’s reminder. Also, keep an eye out for any policy information change notifications.
