How to Purchase Compulsory Traffic Accident Liability Insurance for Motorcycles?
2 Answers
Motorcycle compulsory traffic accident liability insurance must be processed at traffic police stations, vehicle management offices, or insurance company business halls. Below is relevant information about compulsory insurance: 1. Introduction: The full name of compulsory 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, and property losses (excluding the vehicle's occupants and the insured) caused by road traffic accidents involving the insured motor vehicle, within the liability limits. 2. Coverage: Compared to the over 20 exemption clauses in commercial third-party liability insurance, compulsory insurance only exempts 'losses caused intentionally by the victim', 'property losses of the insured themselves', 'related arbitration and litigation costs', and certain indirect losses caused by the accident, offering much broader protection. Moreover, regardless of whether the insured vehicle is at fault in the accident, compulsory insurance provides compensation within the liability limits, with no deductible or coinsurance.
Buying compulsory motorcycle insurance is actually quite convenient. I've been riding a motorcycle for several years and often need to renew the insurance. First, prepare the necessary documents, including your original ID card and the original motorcycle registration certificate—both are essential. Then, you can choose the offline method by visiting an insurance company's service hall, such as large companies like PICC or Ping An. The counter staff will help you fill out forms, calculate the cost, and process the payment. The fee usually ranges between 200 to 400 yuan, depending on the motorcycle's engine displacement. After payment, you'll receive the policy on the spot—remember to keep the original copy for future reference. Alternatively, you can use the more convenient online method by downloading the insurance company's app or searching for "traffic insurance" on Alipay. Upload photos of your documents, confirm the information, and pay via WeChat or UnionPay. It only takes a few minutes, and the electronic policy will be sent to your email or phone, ready for use anytime. It's advisable to do this a few days before the expiry date to avoid penalties for riding without insurance. Insurance is mandatory—not just to comply with the law but also to protect you from losses in case of accidents. Regularly check the policy expiry date and handle it together with vehicle inspections for peace of mind. Buying online is fast and time-saving, while the counter method may involve queues but is more reliable.
