Can I purchase compulsory traffic insurance for motorcycles on 12123?
2 Answers
Compulsory traffic insurance belongs to auto insurance and is the business of insurance companies, while 12123 is a traffic management platform and cannot purchase compulsory traffic insurance. If you want to purchase compulsory traffic insurance, you can go to property insurance companies to buy it. There are many purchasing channels, such as offline business outlets of insurance companies, official websites, official WeChat public accounts, official apps, etc. Some internet insurance sales platforms also have auto insurance businesses, such as Tencent WeSure and Alipay Ant Insurance. Below is some relevant information about compulsory insurance: Definition: The full name of compulsory traffic insurance is "Compulsory Traffic Accident Liability Insurance for Motor Vehicles." It is a mandatory liability insurance where the insurance company compensates for personal injuries, deaths, or property losses (excluding the driver and passengers of the insured vehicle) caused by road traffic accidents involving the insured vehicle, within the liability limits. Compulsory traffic insurance must be purchased: According to the "Regulations on Compulsory Traffic Accident Liability Insurance for Motor Vehicles," starting from August 2008, all new vehicles and vehicles with expired insurance must purchase compulsory traffic insurance for vehicles.
I've used the Traffic Management 12123 App many times. It mainly handles things like vehicle violation inquiries, driver's license renewal, or exam appointments, but you can't buy motorcycle compulsory insurance there. Think about it, compulsory insurance is the business of insurance companies, so you need to go through their official channels, such as the apps or websites of China Life or Ping An, or use mini-programs on Alipay or WeChat to get it done with just a few clicks. I bought mine on an insurance app—just entered the license plate number, selected the insurance type, and it was done in minutes, with the electronic policy visible right away. I recommend regularly checking the insurance expiration date; otherwise, getting caught driving without it could mean a hefty fine. Nowadays, compulsory insurance only costs a few hundred yuan a year, but safety comes first—having it gives you peace of mind when driving. Also, keep an eye out for discounts and promotions from different insurance companies to save some money.
