Answer: After the promotion and application of electronic compulsory motor vehicle insurance policies in the region from July 1, 2020, the public security and traffic management departments in the region will share data in real time and no longer inspect motor vehicles when condu

1. Question: What conveniences can electronic compulsory motor vehicle insurance policies bring?

Answer: After the promotion and application of electronic compulsory motor vehicle insurance policies in the entire region from July 1, 2020, the public security and traffic management departments in the region will share the data in real time and no longer inspect the machines when conducting law enforcement management, handling traffic accidents and handling related businesses. Paper policy of compulsory traffic insurance for high-speed trains; motor vehicles in Ningxia do not need to place (paste) compulsory traffic insurance signs during the validity period of compulsory traffic insurance; Ningxia vehicle owners no longer need to submit compulsory traffic insurance paper when registering motor vehicles, applying for motor vehicle inspection certificates and other traffic management services in the region Insurance policy.

2. Question: What is the purpose and significance of promoting electronic insurance policies for motor vehicle compulsory traffic insurance?

Answer: promotes the application of electronic insurance policies for compulsory motor vehicle insurance, which is an important measure taken by our district’s public security and traffic management department to deepen the reform of “delegation, regulation and services” and serve social and economic development. On the one hand, it will reduce the number of paper certificates and eliminate the need for people to paste them. (Removing) the trouble of compulsory traffic insurance signs, making it more convenient to display and use it through mobile phones; on the other hand, it will be more convenient to apply in areas such as vehicle rental, second-hand car transactions, insurance claims, etc., making it easier for mass enterprises to do business and better serving the development of enterprises.

3. Question: Which vehicles can apply for electronic compulsory motor vehicle insurance policies? How to claim?

Answer: The application scope of motor vehicle compulsory traffic insurance electronic policy includes passenger cars, trucks, special vehicles and other motor vehicles (excluding tractors and motorcycles) in Ningxia. Starting from July 1, 2020, China People's Property Insurance , China Ping An Property Insurance , China Pacific Property Insurance, Dajia Property Insurance, China Continent Property Insurance, Sunshine Property Insurance , Huatai Property Insurance, When China Life Property Insurance, Changan Liability Insurance, and CCB Property & Casualty Insurance sell compulsory motor vehicle insurance, they simultaneously generate electronic compulsory motor vehicle insurance policies and push underwriting information to policyholders and insureds through WeChat public accounts, mobile APPs, etc., providing Services such as inquiry, download, and verification of electronic insurance policies. If the policy holder needs a paper policy and a paper compulsory traffic insurance sign (for use outside Ningxia), the insurance company must continue to provide them.

4. Question: How to present and use the electronic compulsory motor vehicle insurance policy?

Answer: When needs to present the compulsory traffic insurance electronic policy, it can be through China People's Property Insurance, China Ping An Property Insurance, China Pacific Property Insurance, DaJia Property Insurance, China Continent Property Insurance, Sunshine Property Insurance, Huatai Property Insurance, China Life Property Insurance, Download the electronic policy in PDF format containing the insurance company's seal and QR code through the WeChat official account of Changan Liability Insurance, CCB Property & Casualty Insurance, PICC APP, Ping An Auto Owner APP, Che Life APP or the SMS link sent by the insurance company.

5. Question: After obtaining the electronic compulsory motor vehicle insurance policy, do I still need to paste paper signs on the car windows? How do I present my electronic compulsory traffic insurance policy when encountering traffic police enforcement inspections or handling traffic accidents?

Answer: The electronic motor vehicle compulsory traffic insurance policy has the same validity as the paper certificate. Vehicles that have obtained the electronic compulsory traffic insurance policy do not need to affix paper signs. The public security and traffic control department will not proceed on the grounds that the motor vehicle has not placed (pasted) the compulsory traffic insurance sign. punishment.

When driving and encountering traffic police inspections or traffic accidents, the driver can take the initiative to present the electronic compulsory traffic insurance policy, and the police will verify the validity of the electronic compulsory traffic insurance policy through the police law enforcement terminal; if the driver fails to present it, the police will verify the validity of the electronic compulsory traffic insurance policy. The police law enforcement terminal or information system checks the validity status of the motor vehicle compulsory traffic insurance and confirms whether the motor vehicle is within the validity period of the compulsory traffic insurance. If the motor vehicle is within the validity period of the compulsory traffic insurance, the public security and traffic control department will not impose penalties on the grounds of failure to produce the electronic compulsory traffic insurance policy.

6. Question: How to use the compulsory traffic insurance electronic policy in vehicle management business such as vehicle registration and inspection?

Answer: car owners should take the initiative to present the electronic compulsory traffic insurance policy when registering a new car; when applying for a motor vehicle inspection mark, the vehicle management police will query and verify the information on the compulsory traffic insurance of the motor vehicle through the information system, and the parties will no longer be required to submit paper. Compulsory delivery insurance insurance certificate .

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Source/Ningxia Traffic Police

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