Guide to buying car insurance online quickly and cost-effectively
11/04/2025
Buying car insurance online is becoming a smart trend, helping you save significant time and costs. With a few simple steps on reputable online platforms, you can easily compare prices, choose the right insurance package and immediately receive attractive offers. Let's explore how to buy online car insurance quickly and effectively in the article below!
Readers should note: The data and information in the article are compiled from general market sources and do not apply specifically to SeABank's products or services.
1. Is online car insurance (electronic insurance) accepted?
Online car insurance (also known as electronic insurance)Fully recognized by law and has the same value as traditional paper insurance. Reputable insurance companies currently provide this service, with insurance certificates issued electronically in accordance with the law. This makes it easy for users to store and use when needed, especially in cases of checking documents or handling traffic incidents.
Online car insurance is completely recognized by law
Outstanding benefits when buying car insurance online
Save time: With just a few taps on your phone or computer, you can complete the insurance purchase procedure without going to the company office.
Easy comparison: Online platforms provide the ability to compare many insurance packages from different companies, helping you find the package that best suits your needs and budget.
Reasonable cost: Many insurance companies regularly have incentives and discounts when buying online, helping you save costs while still ensuring the best benefits.
Simple process: No need for complicated paperwork, you just need to provide basic information such as vehicle number, vehicle type and choose the desired insurance package.
Information security: Current online insurance purchasing systems are equipped with high security technology, ensuring absolute safety for your personal information.
Easy management: With electronic insurance, you can store your insurance certificate on your mobile device and easily look it up at any time without fear of losing it.
2. Process of buying car insurance online
Buying car insurance online is not only quick but also very simple with the following 4 steps:
Step 1: Access the insurance company's platform
First, you need to go to the insurance company's website or download the official application. Make sure the platform you choose is trustworthy and highly rated by many customers.
Complete the transaction by paying online.
Step 2: Enter vehicle information and select insurance package
Fill in all necessary information such as:
License plate number.
Car model, car year.
Desired type of insurance (civil liability insurance, vehicle physical insurance, or combined packages).
After entering information, the system will automatically display suitable insurance packages for you to choose from.
Step 3: Check the fees and included benefits
Review the detailed fees of each insurance package. At the same time, pay attention to included benefits, such as:
Insurance coverage.
Compensation clause.
Current offers or promotions. Careful examination will help you ensure that the insurance plan best meets your needs.
Step 4: Pay and receive electronic contracts
Complete the transaction by paying online via methods such as e-wallet, credit card or bank transfer. After successful payment, the insurance contract will be sent to your email or account in electronic form.
Note when performing the process
Make sure to enter vehicle information accurately to avoid errors in the contract.
Read insurance terms carefully before confirming purchase.
Store the electronic insurance contract carefully, making it easy to use when you need to check or handle situations.
3. Cost of buying car insurance online
Currently, compulsory car insurance fees are generally applied according to the regulations in Appendix I Decree 67/2023/ND-CP (regardless of direct or online purchases).
TT
Vehicle type
Insurance fee (VND)
Cars are not in the transportation business
1
Vehicles with less than 6 seats
437.000
2
Vehicles from 6 to 11 seats
794.000
3
Vehicles from 12 to 24 seats
1.270.000
4
Vehicles with over 24 seats
1.825.000
5
Vehicles that carry both people and goods (Pickup, minivan)
437.000
Cars for transportation business
1
Under 6 seats according to registration
756.000
2
6 seats according to registration
929.000
3
7 seats according to registration
1.080.000
4
8 seats according to registration
1.253.000
5
9 seats according to registration
1.404.000
6
10 seats according to registration
1.512.000
7
11 seats according to registration
1.656.000
8
12 seats according to registration
1.822.000
9
13 seats according to registration
2.049.000
10
14 seats according to registration
2.221.000
11
15 seats by registration
2.394.000
12
16 seats according to registration
3.054.000
13
17 seats according to registration
2.718.000
14
18 seats according to registration
2.869.000
15
19 seats according to registration
3.041.000
16
20 seats by registration
3.191.000
17
21 seats according to registration
3.364.000
18
22 seats according to registration
3.515.000
19
23 seats according to registration
3.688.000
20
24 seats according to registration
4.632.000
21
25 seats by registration
4,813,000 + 30,000 x (number of seats - 25 seats)
22
Over 25 seats
4,813,000 + 30,000 x (number of seats - 25 seats)
23
Vehicles that carry both people and goods (Pickup, minivan)
933.000
Cargo cars (trucks)
1
Under 3 tons
853.000
2
From 3 to 8 tons
1.660.000
3
Over 8 to 15 tons
2.746.000
4
Over 15 tons
3.200.000
Service vehicle
1
Driving practice car
120% of vehicle fee of the same type
2
Taxi
170% of business vehicle fee with number of seats
Specialized cars
1
Ambulance
1.119.000
2
Other specialized vehicles have design tonnage regulations
120% of insurance premium for cargo vehicles of the same tonnage
3
Other specialized vehicles do not have design tonnage specified
1.023.600
4
Trailer tractor
4.800.000
5
Bus
Calculated according to the insurance premium of a non-transportation vehicle with the same number of seats
4. Note when buying car insurance online
Buying car insurance online brings many benefits, but to optimize the benefits, you need to keep in mind the following important points:
4.1. Read the insurance contract carefully
Before signing, take the time to read and understand all the terms in the insurance contract. This helps you understand the rights, obligations and insurance limits that the company provides. In particular, pay attention to exclusion clauses, to avoid unwanted surprises when making a claim.
Customers should kCarefully check the terms of the insurance.
4.2. Check the insurance period
The insurance period must correspond to your vehicle usage schedule, DInsurance is guaranteed to be valid throughout the vehicle's operating time. If there is a change in the usage schedule or an extension is needed, promptly notify the insurance company to avoid interruption in vehicle protection.
4.3. Preserve relevant evidence
After purchasing insurance, you need to keep all important documents such as invoices, receipts and reports from the insurance company. This will be the basis for you to claim compensation if an incident or accident occurs. Adequate storage helps you easily handle arising situations without any problems.
4.4. Contact your insurance company when you need assistance
In case your vehicle has a problem, needs rescue, repair or claim compensation, do not hesitate to contact the insurance company immediately. They will provide detailed information and guide you through the necessary steps to resolve the issue quickly and effectively.
Contact your insurance company when you need assistance.
5. Buy car insurance online at SeABank
Currently, SeABank is providing reputable car insurance packages, with many attractive benefits, helping you feel secure on every journey.
Reasons to choose car physical insurance at SeABank
Comprehensive protection: SeABank provides an auto insurance package that protects your vehicle from the risk of collision, accident, natural disaster, fire, explosion, and other unexpected incidents.
Simple and quick procedure: Buy car insurance online through SeABank with just a few simple steps on the website or application, helping to save time and effort.
Reasonable cost: SeABank commits to competitive insurance premiums, suitable for all types of vehicles and customer needs.
Quick support: SeABank's 24/7 support team is always ready to answer questions and guide you on compensation procedures when needed.
Buying car insurance online at SeABank is not only quick and easy but also helps you protect your assets comprehensively. Don't hesitate, visit our website to buy auto insurance online today!
Southeast Asia Commercial Joint Stock Bank SeABank
Address: BRG Building, 198 Tran Quang Khai, Ly Thai To Ward, Hoan Kiem District, Hanoi