Can I use an auto insurance electronic policy?

Yes, the auto insurance electronic policy is true and effective. If the insurance company only provides electronic insurance policies, it will clearly state in the "Guidance Notes" of insurance products that the electronic insurance policies of auto insurance have the same legal effect as the paper insurance policies. So you can use it.

What is an auto insurance electronic policy?

The so-called auto insurance electronic policy refers to the electronic documents issued by insurance companies to auto insurance consumers in the form of data messages to prove the relationship between auto insurance contracts. The traditional paper insurance contract is embodied in the form of data message with the same legal effect.

At present, the electronic documents involved include electronic insurance application, electronic insurance policy, electronic auto insurance approval form and electronic compulsory insurance sign, which are currently set as PDF files.

After the insurance is completed, the insured can query and download the policy information anytime and anywhere. At the same time, the electronic insurance policy also has interactive application ability, which realizes the full coverage of many scenarios such as insurance industry and traffic police law enforcement services.

What's the difference between electronic insurance policy and paper insurance policy?

1, different attributes:

Electronic insurance policy is an electronic signature policy formulated by insurance companies according to PKI system, and paper insurance policy is a formal written contract policy formulated by insurance companies and insurance companies. The difference between them is that one is electronic and the other is paper.

2. Different forms:

Electronic insurance policy has the same legal effect, that is, it is fast, time-saving, money-saving, free from geographical restrictions, convenient to save and risk-free; Paper insurance policies are mainly defined in words, so I feel more at ease, because the most important thing is to get them. The disadvantage is that I have no time to deal with it. If there is a queue, I need to wait for a while.

3. Different perceptions:

Electronic insurance policies can't completely distinguish between true and false, especially online (online or telephone processing) is even more chaotic. For many people, it is uncertain whether it can be handled successfully. In addition, customer service calls are needed to solve the claim problem, and it is impossible to effectively track according to the needs of customers. There are also some complicated insurance types that need to be handled at the counter.

Paper insurance policies are easy to keep, but they are also easy to lose, but most of them are updated by familiar insurance companies, so you can consult with familiar insurance companies if you have any questions, without detours.