Do motorcycles need to pay insurance every year? Where to pay?
2 Answers
Motorcycles need to pay insurance every year, and the insurance can be paid at insurance companies or vehicle management offices. Main insurance for motorcycles: To insure a motorcycle, the main types are compulsory traffic insurance and commercial insurance. Specifically, these include compulsory traffic insurance, motorcycle loss insurance, third-party liability insurance, theft insurance, seat liability insurance, spontaneous combustion insurance, scratch insurance, etc. Motorcycle compulsory traffic insurance: Compulsory traffic insurance refers to an insurance where, when the insured motorcycle causes personal injury, death, or property loss to victims (excluding the vehicle's occupants and the insured) in a road traffic accident, the insurance company will provide compensation within the liability limits.
As a young motorcycle enthusiast, I can confidently say that insurance must be paid every year, especially in China where it's mandatory to have compulsory traffic insurance. If you don't pay, traffic police can fine you or even impound your bike if caught, and no one will compensate you in case of an accident. The payment process is really convenient—I usually handle it online through insurance company apps like PICC or Ping An. Just enter the license plate number and pay; it takes just a few minutes. You can also go to a counter or the vehicle management office, but offline methods often involve long queues. The cost is low, around 400 yuan a year, depending on the vehicle type—totally worth it. I recommend setting a phone reminder to avoid forgetting like I did last year, ending up making a late online payment. In fact, adding commercial insurance provides better coverage, but compulsory insurance is the basic requirement.
