What does the motor vehicle compulsory insurance certificate look like?

What does the motor vehicle compulsory insurance certificate look like?

Compulsory motor vehicle traffic accident liability insurance (referred to as "compulsory traffic insurance") is an insurance that every motor vehicle must purchase according to Chinese law. Its certificate is one of the important proofs that the vehicle is legally on the road. Many car owners have questions about the specific style and content of the compulsory insurance certificate. This article will combine the hot topics on the Internet in the past 10 days to analyze in detail the appearance, key information and frequently asked questions of the compulsory insurance certificate.

1. Physical form of compulsory traffic insurance certificate

The compulsory traffic insurance certificate is usually a paper document issued by the insurance company after the insurance is purchased. According to the latest regulations, electronic insurance policies also have the same legal effect. Here is a comparison of the two forms:

2. Core contents of compulsory insurance certificates

Whether it is paper or electronic, the compulsory traffic insurance certificate contains the following key information (taking the latest version in 2023 as an example):

3. Answers to recent hot questions

Based on the recent hot topics on the Internet, the following frequently asked questions have been sorted out:

1. Do electronic insurance policies still need to be labeled?
Since 2020, electronic insurance policies have been implemented across the country, and there is no need to affix the compulsory traffic insurance sign on the front windshield. However, some areas still need to cooperate with the traffic police to check electronic vouchers.

2. What should I do if I lose my compulsory insurance certificate?
You can apply for a reissue through the insurance company’s official website/APP, or directly print the electronic policy. The reissue fee varies according to company policies and is about 10-50 yuan.

3. Is the insurance certificate issued in another place valid?
Compulsory traffic insurance is available nationwide, but some cities have additional verification requirements for certificates issued by non-local insurance companies.

4. Techniques for identifying authentic and fake vouchers

Recently, there have been cases of forged compulsory insurance certificates in many places, which can be verified through the following methods:

5. Important reminder

According to the latest traffic control regulations: vehicles that do not carry a valid compulsory insurance certificate will face impoundment and a fine of twice the premium (minimum 1,900 yuan). It is recommended that car owners:
1. It is recommended to save the electronic policy on mobile phone + backup in the cloud
2. Avoid storing paper vouchers with vehicle registration certificates
3. Apply for insurance renewal 30 days in advance to prevent loss of insurance

As the digital reform of auto insurance advances, compulsory insurance certificates may be further simplified in the future. However, car owners still need to ensure that the insurance information is true and valid, not only to be responsible for others, but also to protect their own rights and interests.