Why is the car not supported for online insurance?
2 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.
