Second-hand car trading train insurance policy must be timely "transfer"

With nearly Year, ushered in the motor insurance company renewal at its peak, and that reporters from the market, the used-car market transactions have become an unprecedented active, many vehicle owners are aware, the transfer of houses, cars are required for registration of transfer of ownership Procedures, but insurers are reminded that if the car transfer, the corresponding insurance policies should also be timely "transfer" in order to continue to be effective.


A few days ago, a reporter from the insurance company was informed that the company received a phone owners, said there were two cars collided, the survey claims to insurance companies, but because the owners are buying a used car, although the purchase of the motor, the car The timely transfer of vehicle insurance policies did not, so insurance companies for claims of the accident was not given. Vehicle Insurance Department is responsible for the company told reporters that the participants, the car was sold in the circumstances, the only second-hand car owners register for the insurance, liability insurance companies will come into force, so the situation like this is not the insurance company claims .


Insurance experts said that in accordance with the "insurance law", after the transfer of used cars, auto insurance if not for transfer procedures, insurance companies have the right to refuse claims. Customers buy used cars, vehicle insurance and a membership of the transfer are two different concepts, but also need to synchronize the work. In the case of second-hand car, with the transfer of vehicle ownership, the original owner no longer has an insurable interest, and may even be a risk of moral hazard, so the original owners no longer enjoy the right to claim, and the new owners can not on the original policy To mark the transfer of ownership, it is impossible to become a party vehicle insurance policy, so also not entitled to claim.


Cars must also be modified to amend the policy


Department of land-related auto insurance official said, second-hand car with the transfer of insurance required to transfer, the owner of his car and a modified, but also to the corresponding insurance provisions be amended. It is understood that the cross-risk provisions of Article 15 made it clear that the validity of the insurance contract, the insured vehicle because of modifications, retrofitting, such as the changing nature of the use of lead to the increase in the degree of risk, the insured person shall promptly notify the insurers, and for correcting Procedures. Otherwise, the insurers will be re-approved in accordance with the policy of insurance to.


In addition, if the owners of family cars will be used for commercial transport, to change insurance companies for insurance contracts for auto insurance has agreed in the contract drivers (such contracts are often able to reduce about 5% of Che Sunxian rate) , The car will use the long-term loans to others, to inform the insurance company, otherwise it is likely that when the accident claims result in unnecessary losses.