Current location - Loan Platform Complete Network - Loan intermediary - Can I still renew my car insurance after being out of insurance for three months?
Can I still renew my car insurance after being out of insurance for three months?

The vehicle can be renewed within three months of being out of warranty.

After the vehicle is out of warranty, it needs to be renewed as soon as possible. If the policy is renewed within three months of withdrawal, the premium will generally not be affected.

If you are out of insurance for more than three months, the premium will be adjusted to the standard fee without discount. This applies to both compulsory traffic insurance and commercial insurance.

If the car owner had no accidents in the previous year, the cost will increase. The premium is the same price as a new car, and the previous discount factors are also reset to zero.

Vehicle insurance, that is, motor vehicle insurance, referred to as car insurance, is also called automobile insurance. It refers to a type of commercial insurance that is liable for personal injury, death or property damage caused by motor vehicles due to natural disasters or accidents. Car insurance is a type of property insurance. In the field of property insurance, car insurance is a relatively young type of insurance. This is because car insurance was produced and developed along with the emergence and popularity of cars.

At the same time, unlike modern motor vehicle insurance, in the early days of automobile insurance, the third party liability insurance of the automobile was the main insurance, and it gradually expanded to include risks such as collision losses of the car body.

A type of insurance widely carried out in our country is a type of insurance that takes motor vehicles such as cars, trams, battery cars, motorcycles, and tractors as the subject matter of automobile insurance. Vehicle insurance can be divided into commercial insurance and compulsory traffic insurance. Commercial insurance includes two parts: vehicle main insurance and additional insurance.

The main commercial insurance includes vehicle loss insurance, third party liability insurance, vehicle personnel liability insurance, and vehicle theft and rescue insurance. Motor vehicle loss insurance covers the insured vehicle's natural disasters or accidents within the scope of the insurance, resulting in losses to the insured vehicle itself, and the insurer will provide compensation in accordance with the provisions of the insurance contract. Motor vehicle third party liability insurance covers the amount that the insured shall pay according to law if an accident occurs to the insured or a qualified driver permitted by him while using the insured vehicle, resulting in a third party suffering personal injury, death or property damage. The insurance company is also responsible for compensation. Whole vehicle theft and rescue refers to

1. An insured motor vehicle (including an insured trailer) that is stolen, robbed, or snatched from the entire vehicle

2. The entire insured motor vehicle Reasonable expenses for repairing the vehicle after being stolen, robbed or snatched, resulting in the loss of vehicle parts and ancillary equipment;

3. When an insured accident occurs, the insured artificially prevents or reduces the risk of the insured machine. Necessary and reasonable rescue expenses for the loss of the train shall be borne by the insurer, up to the amount insured. Losses incurred under three circumstances can be compensated. Vehicle occupants liability insurance refers to an accident that occurs to the insured vehicle (not intentional by the perpetrator, but an unforeseeable and irresistible emergency that results in casualties or property losses), resulting in the death of persons on your vehicle. The insurance company shall bear the liability for compensation for the loss caused by the injury or death of the driver or passengers, as well as the necessary and reasonable rescue and protection expenses paid to reduce the loss.

Additional insurance includes individual glass breakage insurance, vehicle parking loss insurance, spontaneous combustion loss insurance, new equipment loss insurance, engine water intrusion insurance, no-fault liability insurance, scooter expense insurance, and body scratch damage insurance. Insurance, excluding deductible special clauses, vehicle cargo liability insurance and other types of insurance.