Does the motorcycle compulsory traffic insurance have to be purchased by the owner in person?
2 Answers
Compulsory traffic insurance does not necessarily have to be handled by the owner in person; it can also be handled by the user of the motor vehicle. To apply for compulsory traffic insurance, you need to bring: the vehicle's registration certificate and driving license, the insured's ID card, and for renewal, the original copy of the previous year's compulsory traffic insurance. Compulsory traffic insurance is mandatory by the state, and only with it can you legally drive on the road. Otherwise, according to the "Road Traffic Safety Law," the traffic management department of the public security authorities shall detain the motor vehicle, notify the party to provide the corresponding license, mark, or complete the relevant procedures, and may issue a warning or impose a fine of not less than 20 yuan but not more than 200 yuan. Automobile compulsory traffic insurance: The full name of compulsory traffic insurance is "Compulsory Liability Insurance for Motor Vehicle Traffic Accidents." It is a mandatory liability insurance where the insurance company compensates within the liability limit for personal injury, death, and property loss caused by road traffic accidents involving the insured motor vehicle (excluding vehicle personnel and the insured). The premium is based on the nationally unified standard rates. However, the price of compulsory traffic insurance varies for different vehicle types, mainly influenced by the number of car seats. Compared to the more than 20 exemption clauses of commercial third-party insurance, the exemption scope of compulsory traffic insurance covers losses caused by intentional acts of the victim, the insured's own property loss, related arbitration and litigation costs, and some indirect losses caused by accidents, with a much broader coverage. Moreover, regardless of whether the insured vehicle is at fault in the accident, compulsory traffic insurance will compensate within the liability limit, with no deductible or exemption. Introduction to electronic insurance policies An electronic insurance policy refers to an electronic policy issued by an insurance company using digital signature software and enterprise digital certificates that comply with the PKI system, bearing the electronic signature of the insurance company. An insurance policy, abbreviated as a policy, is the official written proof of the insurance contract between the insurer and the insured. The insurance policy must fully record the rights, obligations, and responsibilities of both parties to the insurance contract. The content recorded in the insurance policy is the basis for both parties to fulfill the contract. The insurance policy is proof of the establishment of the insurance contract. Advantages of electronic insurance policies: Saves paper resources, eliminating the need to print insurance proof marks; Saves time and is convenient, unrestricted by time and location, with information universally accessible online anytime, quick and easy; Can apply for reissuance or resending, no need to worry about losing it, and if a paper version is needed offline, it can also be printed or mailed; Easy management, after electronic unification, it is also convenient for insurance companies and traffic police departments to manage the insurance information of each vehicle.
You don't necessarily have to be the motorcycle owner to purchase compulsory traffic insurance in person. Last time, I helped my neighbor with this when he was hospitalized and couldn't go. I simply took a copy of his ID to the insurance company counter and got it done. The staff there said it's allowed for agents to handle it as long as you provide the owner's documents and an authorization letter. Nowadays, many insurance companies support online purchases—just enter the owner's details and you're done, super convenient. The key is to ensure the policy information accurately matches the owner's name, and don't make mistakes like entering the wrong license plate number, otherwise the insurance might be invalid. I recommend bringing copies of the driver's license and vehicle registration certificate when handling it for someone else to ensure success in one go. If you're busy, you can totally ask relatives or friends to help—don't delay hitting the road. In short, the rules are flexible; just operate as needed for a hassle-free and effortless experience.
