"Electronic auto insurance policy" refers to an electronic document issued by an insurance company to auto insurance consumers in the form of data messages to prove the relationship between auto insurance contracts. The traditional paper insurance contract is embodied in the form of data message with the same legal effect, which has achieved multiple core advantages such as convenience, efficiency, encryption, anti-counterfeiting, low carbon and environmental protection. At present, the electronic documents involved include electronic insurance application form, electronic insurance policy, electronic auto insurance approval form and electronic compulsory insurance sign, which are currently set as PDF files.

For the insured, after the insurance is completed, the inquiry and download of policy information can be completed anytime and anywhere. At the same time, the electronic insurance policy also has the ability of interactive use, which realizes the full coverage of insurance industry, traffic police law enforcement services and other scenes, which is more convenient.

This time, 4 1 property insurance companies in Guangdong participated in the implementation of electronic insurance policies, covering buses, cars, trucks, special vehicles and other motor vehicles. Insure compulsory insurance and commercial insurance in Guangdong; Motorcycles, tractors, one-way auto insurance and cross-border Hong Kong and Macao auto electronic insurance policies are suspended.

Compared with paper insurance policy, electronic insurance policy is more innovative, convenient, efficient and safe.

It is recommended to verify the truth through formal channels.

After the implementation of the electronic insurance policy, Guangdong car owners no longer have to face a thick paper insurance contract, and they can easily complete the insurance through remote online, and a smart phone can handle it. At the same time, car owners can inquire and download electronic insurance policies, electronic signatures and third-party verification of insurance policies through the insurance company official website, without going back to the insurance company for insurance business.

You can travel without paper documents.

Once a motor vehicle driver is out of danger, he will not need to show paper insurance documents when handling claims, and the insurance company can directly inquire about the insurance contract to make claims, which makes the claims process more convenient, realizes the service experience of "more information and less errands", improves the efficiency of claims, and provides convenience for customers.

After the formal implementation of the electronic insurance policy, when the motor vehicles insured in Guangdong are driving on the roads within the jurisdiction of Guangdong, the traffic management department of the public security organ can automatically check the data of compulsory insurance when enforcing the law and handling traffic accidents. If the insurance status is normal, drivers can enjoy many conveniences:

First, with the checked electronic insurance policy information, vehicles shall not be detained or punished on the grounds of not carrying or placing insurance signs.

Second, when handling motor vehicle registration and applying for motor vehicle inspection conformity marks within the jurisdiction of Guangdong, the owner can handle it with the electronic insurance policy information of compulsory insurance, and no longer requires the owner to submit and check the paper certificate of compulsory insurance.

The full implementation of electronic insurance policy will realize the electronization of the whole process of insurance company's auto insurance service, change the traditional auto insurance mode, promote the insurance company to improve its service ability and level, save resources for the whole society, reduce pollution emissions, conform to the national development concept of "green economy" and bring more and better insurance service experiences to Guangdong car owners.

Related Q&A: How to query the electronic insurance policy of Sunshine Auto Insurance can be done in the following ways: 1. Operating environment: brand model: iPhone 13 system version: iOS 15.3. 1app version: 13.2 Enter the official website page of Sunshine Insurance, and click the policy service to see it. Two. Operating environment: brand model: iPhone 13 system version: iOS 15.3. 1app version: v8.0. 18. Enter the official account of Sunshine Insurance WeChat, click Sunshine Service in the lower right corner, and you will see the policy service. You can query the electronic policy when you enter. Electronic insurance policy refers to the electronic insurance policy with the electronic signature of the insurance company issued by the insurance company for customers with the help of digital signature software and enterprise digital certificate following PKI system. An insurance policy, referred to as an insurance policy for short, is a formal written proof that the insurer and the insured conclude an insurance contract. The insurance policy must completely record the rights, obligations and responsibilities of both parties to the insurance contract. The contents recorded in the insurance policy are the basis for the performance of both parties to the contract. An insurance policy is a proof of the establishment of an insurance contract. Electronic insurance policy refers to the electronic insurance policy with the electronic signature of the insurance company issued by the insurance company for customers with the help of digital signature software and enterprise digital certificate following PKI system. An insurance policy, referred to as an insurance policy for short, is a formal written proof that the insurer and the insured conclude an insurance contract. The insurance policy must completely record the rights, obligations and responsibilities of both parties to the insurance contract. The contents recorded in the insurance policy are the basis for the performance of both parties to the contract. An insurance policy is a proof of the establishment of an insurance contract. However, according to China's Insurance Law, the establishment of an insurance contract does not depend on the issuance of an insurance policy. As long as the insured and the insurer reach an agreement on the terms of the contract, the insurance contract is established. Even if no insurance policy is issued, the insurer shall be liable for compensation. Unless the parties to an insurance contract agree in the contract that the insurance policy is the effective condition of the contract. Insurance policies are generally paper documents, but with the development of internet insurance e-commerce, electronic insurance policies began to appear. Electronic insurance policies have no paper documents, only a policy number, which can be queried on the insurance company website or the insured insurance e-commerce website.