Do motorcycles have third-party insurance?

[Collin]

Motorcycles do have third-party insurance, which is the insurance you are required to purchase during the annual inspection. Introduction to motorcycle third-party insurance: Third-party liability insurance refers to a type of insurance where the insurance company compensates for property damage or personal injury caused to a third party due to the negligence of the insured. Third-party liability insurance is a mandatory insurance that plays a significant role in maintaining social stability, compensating for the losses of third parties, and alleviating the burden on the insured. Coverage of motorcycle third-party insurance: Taking third-party liability insurance as an example, as long as it is a qualified driver permitted by the insured, any personal injury or property damage caused to a third party while driving the insured vehicle is within the scope of compensation determined by the insurance company.

[LaRafael]

Motorcycles certainly have third-party insurance, just like cars. In China, all motorcycles on the road must purchase compulsory traffic insurance, which is a type of third-party liability insurance and is mandatory—otherwise, riding without it is illegal. The premium generally ranges from 300 to 500 yuan per year, depending on the engine displacement and region, with smaller-displacement motorcycles being cheaper. It mainly covers bodily injury and property damage to others, such as medical expenses and repair costs if you hit a pedestrian or vehicle while riding. This small expense is worth it, as it could save you from bankruptcy in case of a major accident. Renewing the insurance is usually convenient, either through insurance company apps or offline channels. I recommend buying it early for peace of mind—it’s both lawful and protective. Before purchasing, compare prices and choose a reliable company; don’t just go for the cheapest option with low coverage. Additionally, there’s optional commercial third-party insurance with higher coverage and broader protection. In short, don’t overlook insurance when riding a motorcycle—it’s a responsibility to pedestrians and society.

[VanKendra]

I've been riding motorcycles for over a decade, and third-party insurance is a must-have. Years ago, I had a minor scrape where the insurance covered a few thousand in repair costs for the other party—no out-of-pocket expense, hassle-free. The premium isn't high, just a few hundred a year, easily covered by saving a bit on fuel. The risk of not having it is too great: motorcycles are fast, and accident rates are higher than with cars. If someone gets hurt, you could end up bankrupt covering the costs. With insurance, unexpected losses are easily managed. Nowadays, getting insured is simple—just a few taps on a mobile app, no need to run around. Remember to get compulsory traffic insurance (it's mandatory) and top it up with commercial insurance for extra security. Every motorcyclist I know agrees it's basic practice—don't skimp on small savings and risk big trouble. Regularly check your policy to avoid lapses, especially since it's needed for annual inspections. Ride free, with insurance as your safety net.

[ZoeyDella]

Motorcycle third-party insurance is indeed available and affordable, offering significant risk protection. With an annual premium ranging from 300 to 500 yuan, purchasing the right policy can save you a fortune. For instance, if you accidentally damage someone else's vehicle, the insurance covers the repair costs; in case of injuries, medical expenses are also included. This is crucial for ordinary families: riding a motorcycle saves money and time, but skipping insurance could lead to financial ruin. Premiums are calculated based on your motorcycle type, with small scooters being the cheapest. You can easily purchase it online in advance. Don't hesitate—it's a mandatory social requirement and essential for road use.