Why is the car not supported for online insurance?
3 Answers
The reasons why the car does not support online insurance are as follows: Incomplete factory procedures: If the car lacks compulsory traffic insurance, license plates, or annual inspection, private settlement is not allowed because these three are indispensable. The absence of any one indicates that the vehicle does not meet the legal conditions for road use; in such cases, fast claim settlement is not possible, and private settlement is also not allowed, pending traffic police handling. Incomplete documents: Incomplete documents do not qualify for fast claim settlement. ID card, driver's license, and vehicle license are all indispensable—one for photographing, and the other as legal conditions for road use. During the period of driver's license annual inspection, renewal, or replacement, it is considered unlicensed driving and is not covered by insurance claims.
My car doesn't support online insurance mainly because it's too old. This car was passed down from my dad and has been running for almost twenty years. The insurance company told me that for older models, the data is incomplete, and the system can't retrieve detailed records, so it has to be handled offline. I once tried applying online, but the system prompted that it wasn't supported, saying an inspector needed to check the car's condition and safety on-site. Nowadays, insurance platforms are automatically updated, and new cars can basically be handled online, but for an old-timer like mine, I have to call or visit a physical store, which wastes a lot of time. Actually, the solution is quite simple—find a reliable broker or agent; they can handle it faster and find a suitable package based on the car's condition. Remember, regular maintenance can avoid this issue, and always check system compatibility before buying insurance.
I used to have a modified car and kept failing to get it insured online. The insurance company's system detected anomalies, like an engine swap or aftermarket parts, and they restricted online services, fearing inaccurate risk assessment. I had to visit a branch in person for technicians to measure data with professional tools, ensuring safety and compliance. I later learned that insuring a new car is much easier, but any modifications might trigger this restriction. I suggest car owners check the system requirements before applying to avoid wasted effort—if all else fails, contact customer service directly. Regular vehicle inspections can also reduce such hassles.
