In the second year of the loan car, you don't have to buy insurance in the 4S shop. You can buy insurance online, by phone or through 4S stores, just submit a copy of the insurance policy to the bank. As for whether to buy full insurance in the second year, it should be comprehensively judged according to the loan period and the repayment situation in the previous year. If we choose a two-year loan, and the previous year's repayment is timely and there is no overdue situation, the bank also recognizes that we only buy necessary insurance.
Second, do you have to buy second-year insurance for the car you bought in a 4s shop?
Do I have to buy insurance for the second year if I buy a car in a 4s shop with a loan? Not necessarily. Buying a car with a vehicle mortgage loan is required by the bank. The purpose of the bank's requirement for full insurance is to minimize the risk. Once the insured vehicle has an accident and the vehicle is damaged, the bank will benefit first, and the bank can get compensation from the insurance company to avoid the loss of the loan. So in the first year, banks generally require full insurance. 2. As for whether to buy full insurance in the second year, it should be comprehensively judged according to the loan period and the repayment situation in the previous year. If we choose a two-year loan, and the previous year's repayment is timely and there is no overdue situation, the bank also recognizes that we only buy necessary insurance. If the loan term is still long, and the repayment last year was not timely and there were many risks, in this case, the bank will also require to buy all risks. You can buy insurance online, by phone or through 4S stores, just submit a copy of the insurance policy to the bank.
Vehicles with complete driving license and license plate and qualified by the vehicle management department can be insured with China People's Insurance Company. The procedures for vehicle insurance are as follows: 1. When an individual vehicle is insured, he should carry the driver's ID card, driver's license, vehicle driving license, letter of introduction and relevant documents related to the insured vehicle. 2 vehicles engaged in self-employment, should also carry business licenses, transport permits and other documents to the insurance company. Fill in the vehicle insurance policy after the experience certificate, and drive the insured vehicle to the designated place for necessary inspection. After meeting the insurance conditions, the insured shall determine the insurance time and collect the insurance premium. 3. The insurance period is limited to one year, which can be less than one year, but not more than one year. After the expiration, you can renew your insurance and go through the formalities again. The insurance policy is in duplicate, and the applicant shall properly keep one of the insurance policies and the insurance premium receipt. If he is in danger within the insurance period, it will be used as the basis for claim settlement. 4. In addition to carrying necessary documents, the company shall list the model, brand and driving license number of the insured vehicle. The insurance company will inspect the vehicle as appropriate and then go through the insurance formalities.
Do you have to buy insurance in a 4s shop for a car with a mortgage in the second year? Generally speaking, many 4s stores require that the insurance for the first year and the second year must be purchased in 4s stores, which is contrary to the overlord clause.
Do cars bought by 4S shop loans have to be insured in the shop? In the second year, it seems that you must buy it in the store in the first year, and you can choose external insurance from the second year.
The second year insurance of mortgage car must be purchased in 4s shop. Process of handling mortgage car loan: 1. Choose a car at a special bank dealer and sign a car purchase agreement or contract; 2. The borrower applies to the loan bank for personal automobile mortgage; 3. Sign the contract with the consent of the investigation; 4. Go through the formalities of notarization and mortgage of automobiles; 5. Bank loans; 6. After the loan is paid off, the pledge certificate shall be cancelled and returned to the customer.
I bought this car by installment. Do you still need to buy insurance in the 4s shop in the second year? Answer; If you have a contract to buy insurance in a 4S shop when you buy a car, then you must buy it in a 4S shop.
1, generally ssss stores will require insurance in the store by stages, and some will pay a deposit. If the deposit is not insured in the store, ssss store may not refund it.
2, see if there is a renewal deposit, if not, just buy it.
Generally speaking, the premise of 4S installment payment is to buy 3-year insurance in our store, but it is not absolute. It depends on how it was agreed. If there is any indication in the contract, it can be handled according to the contract.
Motor vehicle insurance generally includes compulsory insurance and commercial insurance, and commercial insurance includes basic insurance and additional insurance. The basic risks are divided into vehicle loss insurance and third party liability insurance, vehicle theft and emergency rescue (theft and emergency rescue) and vehicle personnel liability insurance (driver liability insurance and passenger liability insurance).
5. Additional risks include glass breakage insurance, scratch insurance, spontaneous combustion loss insurance, water-related insurance, no-fault liability insurance, vehicle cargo drop liability insurance, vehicle stop loss insurance, new equipment loss insurance, and special insurance without deductible.
6. Glass breakage insurance, spontaneous combustion loss insurance and new equipment loss insurance are additional risks of body loss insurance, and these additional risks can only be insured after vehicle loss insurance is insured.
7. On-board liability insurance, no-fault liability insurance, on-board cargo fall liability insurance, etc. They are all additional risks of third party liability insurance, and these additional risks can only be insured after the third party liability insurance is insured. Each risk can be insured independently without deductible.
Is the insurance for the second year of buying a car with a loan bought in a 4S shop? 1. You don't have to buy it in a 4S store. If he receives your deposit, you can ask him to get it back. There is no rule that you must buy insurance in a 4S shop.
You can look at the contract. If there is such an agreement in the contract and you have signed it, that's the only way. After all, the profit of 4S car sales is not high now, and it is normal to rely on the profit or rebate of insurance, maintenance and repair.
If you borrow money to buy a car, whether you can buy insurance in a 4S shop next year depends on the terms of your contract. Some contracts clearly state that you want to buy it in a 4s shop, so you must buy it in a 4s shop. If there is no such clause, you can buy insurance outside.
I bought this car in three-year installments. I bought my first insurance at the 4S store. Do I need to buy a second insurance in the 4S shop? Under normal circumstances, the precondition of 4S installment payment is to buy 3-year insurance in our store, but it is not absolute. It depends on how it was agreed. If there is any indication in the contract, it can be handled according to the contract.
Motor vehicle insurance generally includes compulsory insurance and commercial insurance, and commercial insurance includes basic insurance and additional insurance. The basic risks are divided into vehicle loss insurance and third party liability insurance, vehicle theft and emergency rescue (theft and emergency rescue) and vehicle personnel liability insurance (driver liability insurance and passenger liability insurance).
Vehicle insurance, namely motor vehicle insurance, referred to as auto insurance, also known as auto insurance. Vehicles refer to automobiles, trams, battery cars, motorcycles, tractors, various special mechanical vehicles and special vehicles.
The Regulations on Compulsory Motor Vehicle Traffic Accident Liability Insurance [hereinafter referred to as the Regulations] stipulates that compulsory traffic insurance is compulsory liability insurance in which insurance companies compensate victims [excluding people on board and the insured] for personal injuries and property losses caused by road traffic accidents of insured motor vehicles within the limits of their liability.
For the car bought by loan, the insurance must be paid in the fourth sub-store in the second year. You don't have to pay insurance at his designated place. Before this, first determine whether the insurance deposit can offset the insurance premium of the year. If the premium at the designated place is much higher than that of other companies, you can ask the other party to refund the deposit or offset the insurance in the second year and pay it yourself in the third year. Of course, the premium price of the other party is too expensive, and you can only lose money if you don't discount it or only give it a small discount. Do it yourself 2, general loan car, in order to prevent big risks, the main insurance is strong, car damage, three (high), drivers, passengers, theft, spontaneous combustion, excluding deductible, others can not be insured, but if the financial pressure is not great, glass, scratches, insurance companies pay high insurance, it is also recommended to insure together. You don't have to buy it, but if the car is lost and robbed or there is high compensation, life will fall to a low point, and it will take at least three to five years to make up for other losses such as car loans.
3. Do I need to buy insurance in a 4s shop in the second year when I get a loan to buy a car? Do I need to buy all the insurance?
Hello, I am a big bear. I deal with all kinds of traffic accidents every day.
I met a lot about loan car insurance. First of all, did you pay the renewal deposit when you bought the car?
This is very important, because some 4s stores will not use this renewal deposit to refund the premium of the loan car. And if you don't renew your insurance in our store, you will deduct this renewal deposit.
First of all, there is no continuation. If you don't have this fee, you can compare the price, the 4s quotation of the same insurance company and the outside quotation, and the same type of insurance will naturally choose a lower one. However, it is not recommended to go to a small insurance company for insurance, because this will have an impact on later claims. The premium rate of auto insurance is the same, depending on the final rebate.
If there is a renewal deposit, it will be a bit troublesome, because this deposit is not so easy to refund. First of all, you must make sure that there is no clause in the car purchase contract that "you can enjoy lower discount if you pay the renewal deposit". If so, the 4s store has the right not to refund your deposit. If not, you can return it.
According to the relevant provisions of the Law on the Protection of Consumers' Rights and Interests, consumers have the right to choose their own goods or services, the types of goods or services provided by operators, whether to buy any kind of goods or accept any kind of services. In the process of automobile mortgage, some dealers artificially set unreasonable conditions that the renewal deposit can be paid in the 4S shop before the car can be mortgaged normally or can be returned after the loan is paid, which infringes on consumers' right to choose independently and fair trade, and constitutes a compulsory transaction, which is illegal and consumers have the right to complain.
In addition, it should be noted that the beneficiary of this policy is a finance company or bank, and it can only be changed after the loan is paid off.
I am a big bear. If you have any questions about car accidents or auto insurance, you can pay attention to me. I will use my experience to help you.
4. Do I have to go to the 4s shop to buy auto insurance in the second year?
In the second year, you don't have to borrow money from 4s shop to buy car insurance. If this happens, it is up to the owner to decide whether to buy a car by loan or in full. If the 4s store requires that it must buy auto insurance in the 4s store in the next year, this is a violation of the Consumer Protection Law, and consumers can completely refuse this behavior.
When buying auto insurance, the owner can also choose to change the insurance company by himself, as long as the vehicle is on the road.
① The following is a detailed introduction of automobile insurance:
1, vehicle loss insurance:
Vehicle loss insurance refers to natural disasters or accidents within the scope of insurance liability.
2. Third party liability insurance
The driver's accident caused direct property losses and casualties.
3、
The insurance liability for vehicle theft and rescue is the loss of the vehicle caused by the whole vehicle being robbed or robbed, and the reasonable cost of repairing auxiliary equipment lost during the robbery or robbery.
② Relevant information of compulsory insurance: Arbitrary compulsory insurance of compulsory insurance refers to the compulsory liability insurance within the limits of personal injury, property loss and compensation liability of the insured due to road traffic accidents. Compulsory insurance is the first compulsory insurance system in China. Its insurance fee is a unified national charging standard, which is uniformly stipulated by the state, but the price of compulsory insurance for different models is different, and its number of main and first seats is also different. " The scope of compensation is to ensure that the insured vehicle is still responsible for some indirect losses caused by the intentional behavior of the victim and arbitration proceedings in Article 20 of the Commercial Third Party Insurance. Compulsory insurance can be compensated to a certain extent within the limit of liability, without deductible and avoiding odds.