The 4s shop made a routine loan, cheating to buy insurance first, and then buying insurance for three years. Commercial insurance and cross-border insurance are the early stages of the two companies, and they didn't explain what to do. if you are cheated and the parties are unaware of it, you can go through legal procedures and solve it by law, or you can negotiate with the insurance company privately.

due to installment payment, lenders (consumer loan companies, banks, etc.) usually require car owners to purchase long-term auto insurance policies for two or three years at a time in order to avoid their own risks, and there are certain special agreements or requirements on the types of insurance purchased, such as requiring car owners to purchase additional auto insurance such as theft and emergency rescue. Auto insurance is generally guaranteed once a year. If you buy a two-year or three-year auto insurance policy at one time, the rate factor in these two or three years is usually based on the new car. However, if you buy auto insurance on an annual basis, if you don't get out of danger in the previous year (there is no traffic accident), the auto insurance rate in the second year will go down and the premium will be cheaper. For car owners who have no intention of getting out of danger, it is obviously not cost-effective to buy a long-term policy.

for novice car owners, actually, it is enough to buy these kinds of auto insurance:

(1) First compulsory insurance: this is a common insurance that every vehicle must take, and its function is compulsory liability insurance, as long as the motor vehicle is compensated within the limit of liability

(2) Second car damage insurance, which is a better insurance, is more or less different when driving a car. Under the condition of serious damage, these expenses are all borne by the insurance company

(3) third-party liability insurance

(4) excluding deductible insurance

. Theft and rescue refers to the insurance liability of motor vehicle theft and rescue for the loss of the whole vehicle caused by theft, robbery and robbery, as well as the reasonable expenses that need to be repaired during the period of theft, robbery and robbery. The insurance liability for vehicle theft and rescue consists of two parts: (1) the loss of the insured vehicle caused by theft, robbery and robbery, and (2) the reasonable expenses caused by the theft, robbery and robbery of the insured vehicle. For the above two parts, the insurance company is responsible for compensating the losses caused by the theft, robbery and robbery of the insured vehicle within the insured amount.