I believe many friends also basically understand that a large part of your discount for buying a car now is the wool on the sheep, and the 4S shop will make up the price reduction in some ways, and insurance is one of them, especially if you borrow money to buy a car, because the car is yours alone.
Moreover, the insurance company has already found a way to prevent you from surrendering.
The first is the surrender conditions:
Basically, you can't return your car unless it's gone.
There are several keys to returning to business risk:
The insurance policy of the vehicle must be within the insurance period;
Within the validity period of the insurance policy, the vehicle fails to report or claim to the insurance company, and the vehicle that has been compensated by the insurance company cannot be surrendered;
Vehicles that are only reported to the insurance company without compensation cannot be surrendered.
But if you are a loan, you are depressed, because the owner is not you, so if you want to return the insurance, you must also get the consent of all the subjects (usually banks). Considering the complicated relationship between banks, insurance companies and 4S shopping malls, do you want to surrender your insurance? Hehe hehe hehe hehe.
But if you buy a car in full and buy some insurance that you really don't need, it's easy to think of this.
The car mainly carries the original insurance policy, the insured's ID card, the premium invoice and the insured's bank card. After the insurance business hall is completed, the refund will be directly transferred to the bank card, which is very convenient.
If you return it, you will get rid of the used insurance premium. For example, you bought yourself a car as a gift on Children's Day this year, and bought 10000 yuan of commercial insurance, but after two months, you found that your driving skills are not bad, so there is no need to buy such an expensive one. I want to buy something cheaper. How much can I get back?
Since the insurance is 365 years, the calculation formula is10000 ÷ 365× (365-60) = 8356.438+06 yuan, which means you will lose almost 1600 yuan.
Guys. Still the same old saying. It is better to buy than to sell!
* Some data/graphs in this article are compiled from the Internet.
If there are any omissions or errors, please leave a message to point them out.
Bian Xiao is very grateful!
This article comes from car home, the author of the car manufacturer, and does not represent car home's position.