Can compulsory insurance be claimed for a motorcycle without a driver's license?

[JamesFitz]

Motorcycle riding without a license can claim compulsory traffic insurance, but commercial insurance does not cover compensation. Compulsory insurance stipulates: "In the event of a road traffic accident caused by the insured motor vehicle resulting in personal injury, death, or property damage to victims other than the vehicle's occupants or the insured, the insurance company shall compensate within the liability limits of the compulsory motor vehicle traffic accident liability insurance as prescribed by law. If the losses from the road traffic accident are intentionally caused by the victim, the insurance company shall not compensate." Circumstances under which the insurance company does not compensate: The driver does not have a valid driving license or is under the influence of alcohol; the insured motor vehicle is involved in an accident during theft or robbery; the insured intentionally causes a road traffic accident.

[LeAdriel]

I personally think this issue is quite important, as many motorcycle riders may encounter similar questions. Actually, even without a driver's license, you can still purchase compulsory insurance—commonly known as traffic insurance. It's a legally required insurance, meaning regardless of whether you ride the motorcycle or not, as long as the vehicle is on the road, this insurance must be obtained first. When purchasing, insurance companies mainly check the owner's ID and vehicle information, such as the license plate or registration number, and don't ask about the driver's license at all. However, it's important to remember that buying insurance doesn't mean you can ride without a license; if an accident occurs and the insurance company finds out you're unlicensed, the claims process could be troublesome, and you might even have to compensate for third-party losses. So, it's best to get your license before riding, otherwise, you could end up causing yourself more trouble. Nowadays, buying traffic insurance is very simple—it can be done on the insurance company's website or app by filling out a form, costing a few hundred yuan a year. In short, the insurance can be purchased, but the risks of unlicensed riding are much greater—don't cut corners and invite big trouble.

[DiDominic]

From my experience of riding motorcycles, this issue is quite common. When I bought a new motorcycle before, I wanted to purchase insurance as a backup without having a driver's license yet. It turned out that compulsory insurance could indeed be claimed—the insurance company didn’t check whether I had a license or not, as long as I provided the vehicle registration certificate and personal ID. Later, I learned that compulsory insurance is designed to protect the safety of others on the road. In case of an accident, third parties not at fault can receive compensation. However, if you cause an accident while driving without a license, the insurance company may seek reimbursement from you after paying out. I almost did this back then, and thinking about it now gives me chills. I quickly went and got my license afterward. The whole process took some time, but buying insurance was really convenient—just visit a branch or call for consultation, fill out the forms, and no complicated proofs were required. If you want peace of mind, I suggest getting your license first before buying insurance, so you can ride with confidence. Driving without a license is not only illegal but also risks fines or even jail time—it’s not worth the gamble.

[ORylee]

Simply put, you can purchase compulsory insurance for a motorcycle even without a driver's license. This insurance is mandatory by law and covers basic compensation for traffic accidents. When purchasing, you only need the owner's valid ID and vehicle documents—no driver's license is required. The key difference lies in the act of driving: operating a vehicle without a license is a serious offense. In case of an accident, the compulsory insurance will cover third-party liabilities, but you'll bear all legal responsibilities and subsequent claims. I must emphasize the risks throughout this process: attempting to buy insurance without a license is inviting trouble, ranging from fines and vehicle impoundment to criminal liability. The solution is to first obtain a license, then purchase compulsory insurance through official channels.