What conditions must be met for complete surrender?

Legal analysis: 1, the salesperson has personal behavior of fraudulent marketing. If the content of the insurance contract is different from what the salesman said, the difference will be great. If you encounter such a situation, you can apply to the auto insurance company for full surrender. There are some such situations in daily life. In order to sell better, salesmen exaggerate the efficacy of goods and induce customers to buy. 2. The auto insurance company didn't pay a return visit. The CBRC stipulates that auto insurance companies must pay a return visit to customers who purchase insurance policies. If the customer does not receive such a call, he can also apply for full surrender. 3. Signed by the salesperson. If the policy is signed or sealed by the salesman, the insured can also apply for a full refund. However, if the insured has paid the insurance premium, it is regarded as his ratification of the personal behavior of signing or affixing the official seal, so this situation cannot be refunded.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Article 3 The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.

Article 4 Employers and individuals who pay social insurance premiums according to law in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.