Can Motorcycle Compulsory Traffic Insurance Be Processed Online?
2 Answers
Currently, motorcycle compulsory traffic insurance cannot be processed online. It can only be handled at traffic police stations, vehicle management offices, or insurance company business halls. Here is some relevant information about compulsory traffic insurance: 1. Introduction: Compulsory traffic insurance, officially known as "Compulsory Motor Vehicle Traffic Accident Liability Insurance," is a mandatory liability insurance. It covers compensation by the insurance company for personal injuries, fatalities, and property losses (excluding the vehicle's occupants and the insured) caused by the insured motor vehicle in a road traffic accident, within the liability limits. 2. Coverage: Compared to commercial third-party liability insurance, which has over 20 exemption clauses, compulsory traffic insurance has fewer exemptions, such as "losses caused intentionally by the victim," "property losses of the insured," "related arbitration and litigation costs," and certain indirect losses caused by the accident. The coverage is much broader. Moreover, regardless of whether the insured vehicle is at fault in the accident, compulsory traffic insurance provides compensation within the liability limits, with no deductible or exemption rate.
When I bought my motorcycle last year, I tried purchasing the compulsory traffic insurance online, and the whole process was much smoother than I expected. Just install the official app of the insurance company on your phone, click in to find the motorcycle compulsory insurance option, follow the prompts to upload vehicle information, ID card photos, etc., and then pay the premium online using Alipay or a bank card. It takes about five minutes to complete. The electronic policy is sent directly to your mobile email, and you can access it anytime you need it. The best part is you don’t have to make a special trip to the office, but remember to double-check the vehicle model and displacement information before applying to avoid mistakes.
