How to see whether compulsory insurance expires?

Car owners need to carry ID cards, driver's licenses, driving licenses and other related documents to the insurance company's business outlets or the service hall of the vehicle management office for inquiries.

This query method is the most laborious, and it is a waste of time and energy for users who are busy at work or far away from the query location.

2. Online inquiry

In today's era of big data, many businesses can be handled through the Internet. The owner only needs to log in to the official APP or website of the insurance company and enter relevant personal information and vehicle information according to the guidelines to make an inquiry.

The developed network has brought great convenience to people. In addition, some insurance purchased through online channels may enjoy greater benefits, because online direct auto insurance can save a middleman's agency fee.

3. Telephone enquiry

Calling is the most common and direct way to consult. As long as the owner reports his identity information to the salesman, he can quickly find out the expiration time of the auto insurance.

This inquiry method is not limited by location, environment and other factors. Anyone who has a phone bill can inquire. The only disadvantage is that you must remember the phone number of the insurance company.

4. Policy investigation

Generally speaking, after the owner buys insurance, the insurance company will give you a car insurance policy. The effective date and expiration date of the car insurance you buy are often indicated in the policy. We only need to dig out the auto insurance policy to know whether the insurance we bought has expired and how long it will expire.

5, compulsory insurance sign

After the annual inspection or after paying the compulsory insurance, our vehicles need to stick the compulsory insurance sign on the front windshield, which can more intuitively show that their cars are legal and compliant.

But careful observation of the small partners will find that on the back of compulsory insurance, there is the specific expiration time of insurance, as well as the insurance policy number and the service phone number of the insurance company.

That's how to check the auto insurance policy. If the insurance of our vehicle is about to expire or has expired, then everyone must renew it in time, otherwise the overdue auto insurance will bring very serious consequences.

Consequences of overdue auto insurance

1. For compulsory traffic insurance, according to Article 39 of the Regulations on Compulsory Traffic Accident Liability Insurance for Motor Vehicles, if compulsory traffic accident liability insurance for motor vehicles is not insured as required, the public security department will detain the motor vehicle and impose a fine of twice the minimum insurance liability limit.

2. For commercial insurance, the overdue auto insurance means that the insurance has expired, so once the vehicle has an accident, the owner will face the risk of full payment. In addition, commercial insurance can only continue to enjoy preferential treatment if it is renewed within three months. After three months, the premium will increase. If the insurance is not renewed after half a year, the premium will be calculated according to the new car standard.

There is a platform for national compulsory insurance inquiry, which is the inquiry system provided by China Yinbao Information Technology Management Co., Ltd. (click here to log in). Provide policy number, insured name+insured ID number, license plate number+engine number for inquiry.

In addition, we also collected the online inquiry methods of vehicle compulsory insurance. You can log in and inquire according to the tips on the website:

1, PICC auto insurance policy inquiry system (click here to log in)

Please fill in according to the policy information. If your car is new, please pay attention to fill in the temporary license plate number printed on the insurance policy. If it is an individual user, please enter the ID number of the insured's ID number or other valid ID number; If it is an enterprise legal person, please enter the organization code of the insured's certificate number.

2. Pacific Auto Insurance Policy Inquiry System (click here to log in)

3. Ping An Auto Insurance Policy Inquiry System

Download the "Safe Car Owners" app to view the summary of policy-related information. In addition, the app also provides services such as policy revision.

4. China life insurance policy inquiry system (click here to log in)

You can find the "policy inquiry" of personal customer service on the home page. Click it and enter your username and password to log in.

5. Dida Auto Insurance Policy Inquiry System (click here to log in)

6. Taiping Auto Insurance Policy Inquiry System (click here to log in)

7. Tianbao Auto Insurance Policy Inquiry System (click here to log in)

8. Sunshine Auto Insurance Policy Inquiry System (click here to log in)

At present, electronic insurance policies have been implemented in some parts of China. Therefore, after the car owner has insured the car insurance, the insurance company will send you a download link of the electronic insurance policy by SMS or email. Generally, the insurance company will provide policy inquiry methods on official website, app and micro-signal, so the car owner can check it carefully.

What if compulsory insurance expires?

The only way is to renew the insurance. The insured only needs to bring a copy of the driving license and ID card to the business hall of the insurance company, or go to the 4s store, call the insurance company, log in to the insurance company official website and Alipay to renew the insurance.

Under normal circumstances, within three months after the expiration of compulsory insurance, if the insurance is renewed, you can still enjoy the preferential treatment of the previous year; After the expiration of three months, if you can't enjoy the discount for renewal, you can only pay the standard premium for the first year. Of course, the prerequisite for enjoying the discount is that there is no accident record in the last year and no traffic safety violations such as drunk driving.

Consequences of going on the road after compulsory insurance expires

1, the traffic police will deduct 1 point, fine 200 yuan and detain the motor vehicle, and the owner needs to pay a fine of twice the insurance premium to redeem the vehicle;

2 vehicles that fail to provide compulsory insurance certificates will not pass the safety technical inspection (annual inspection);

3. All the losses and compensation of the motor vehicle owner who has not paid the traffic accident must be borne by himself.