Is it compulsory third party insurance or third party liability insurance? Strictly speaking, insurance companies are not allowed to refuse insurance. You can complain to the Insurance Regulatory Bureau. If you don't want to make things bigger, it is recommended to consult people's property, that is, PICC and other insurance companies, most of which have been accepted. Tolerance is great, but it is a pity that many actuaries and managers unilaterally analyze profits and losses in front of simple figures, closing the door of the big market.