Why Can't a Used Car Get Insurance?

[OValentina]

The reasons why a used car cannot get insurance are: 1. First, complete the insurance transfer: Not only should you obtain the insurance documents from the previous owner, but it is also crucial for the new owner to visit the insurance company's business hall with the previous owner to transfer the policy and change it to their own name. Otherwise, in the event of an accident, the used car owner will not be able to receive compensation. The benefits of the transfer are not only that the used car owner can continue to enjoy the insurance coverage of the car until the policy expires, but also that if no claims are made, the used car owner can apply for a 10% no-claims discount in the next year's insurance renewal using the current policy. 2. Do not underinsure: The amount of insurance coverage directly affects the amount of compensation. Therefore, consumers must analyze the different aspects of each insurance type and determine the appropriate coverage amount. For example, collision insurance is usually based on the purchase price of a similar new car, while theft insurance is based on the actual value of the vehicle at the time. Consumers should realistically determine the insurance amount and fully insure the vehicle to receive reasonable compensation.

[DelPresley]

I bought a used car last year and found it particularly difficult to get insurance. The main issue was the car's age—many companies won't cover vehicles over 15 years old. Cars that have been in serious accidents, even if repaired, are often rejected by insurers. Modified cars are another problem; my friend's car with an aftermarket exhaust was denied coverage because illegal modifications aren't covered. The transfer process is also crucial—you need the registration certificate, vehicle license, and annual inspection records, missing any one can cause issues. Insurers also check for outstanding traffic violations; I was once held up because the previous owner hadn't cleared all the tickets. Additionally, if the car model is discontinued, parts are hard to find, and repair costs are high, insurers are reluctant to provide coverage.

[VonBenjamin]

When insuring a newly purchased used car, I found that having a short driving history is a hurdle. As a novice driver, the insurance company directly stated that the risk is high, and the premium would double. Age is also an issue—young drivers, especially those in their early twenties, are treated with extra caution by insurers. Credit history is checked too; frequent past claims or loan defaults could lead to rejection. Some insurers have blacklisted certain car models outright, such as high-fuel-consumption SUVs or older luxury cars, refusing coverage entirely. If the vehicle’s purpose was changed from commercial to private use without complete documentation, insurance might also be denied. I recommend checking the claim history of a used car before buying it to avoid discovering too late that insurance is unavailable.

[Ruiz]

Some areas have particularly strict insurance restrictions on used cars. I live in a coastal city prone to typhoons, where insurance companies simply refuse coverage for older vehicles. In high-risk areas with poor security, theft insurance is also hard to obtain. The vehicle's origin is another factor—imported used cars have expensive parts and high maintenance costs, making insurers reluctant to cover them. For vehicles with excessively low emission standards, such as National II and National III, many regions now restrict registration, which also affects insurance. If the used car is registered under a company name, individuals looking to buy insurance must go through cumbersome ownership transfer procedures. Therefore, when choosing a used car, it's important to consider local policies, not just the vehicle's condition.