Is there compulsory traffic insurance for motorcycles?

[DeBradley]

Motorcycles have compulsory traffic insurance, and it is mandatory to purchase it. Motorcycle compulsory traffic insurance primarily covers the personal injury, death, and property losses of victims caused by traffic accidents involving motorcycles, providing compensation within the liability limits. The victims here do not include the insured and the motorcycle riders. If a motorcycle does not have compulsory traffic insurance, traffic police have the authority to impound the motorcycle and will notify the owner or manager of the vehicle to purchase the insurance as required by regulations. In addition, the owner will be penalized with a fine of twice the insurance premium. The insurance period for compulsory traffic insurance is at least one year, but there are exceptions for less than a year, which are special cases. There are four situations where short-term compulsory traffic insurance for less than one year can be purchased: first, temporary entry of foreign motor vehicles; second, temporary road use of motor vehicles; third, when the motor vehicle is less than one year away from being scrapped; and fourth, other vehicle types specified by the insurance regulatory authority. Apart from these, all other situations require the purchase of compulsory traffic insurance.

[OHenry]

I've been riding motorcycles for over a decade and deeply understand that in China, motorcycles must have compulsory traffic insurance (CTI). The law mandates all motor vehicles, including motorcycles, to purchase this compulsory insurance, mainly to provide protection for third-party victims in traffic accidents. Right after buying my bike, I went straight to the insurance company and got it done with my ID card and vehicle license. The cost varies based on engine displacement—small bikes like 125cc only cost about 300 yuan a year, while larger displacements are more expensive. The risk of not buying it is too high: if stopped by police on the road, fines can reach hundreds of yuan, and the bike may be impounded. It’s worse in an accident: if fully at fault, you’d have to cover medical expenses yourself, often costing tens of thousands. I remember a fellow rider who forgot insurance and ended up paying over 100,000 yuan after hitting a pedestrian. CTI only covers others, not your own bike or injuries, so I also bought commercial insurance for theft or accidents—totaling a few hundred yuan, well worth it. Riding brings freedom, but insurance is a basic responsibility—don’t neglect renewing it regularly.

[SaraFitz]

When I first started learning to ride a motorcycle, I was curious about safety issues. After researching, I found out that motorcycles, like cars, require compulsory traffic insurance, which is mandatory by the state. As a beginner, I immediately went to an insurance company to get it. The process was simple: just bring your ID card and vehicle license, fill out a form, and it's done. The cost is low, for example, a 150cc motorcycle's premium is under 400 yuan. The main purpose is that if you injure someone or cause property damage, the insurance company will cover medical expenses and compensation, reducing the rider's burden. Not buying it? It's illegal to ride without it, and if caught, you could face a fine of over 200 yuan or even have your license revoked. I also asked experienced riders, who recommended purchasing commercial insurance as a supplement because the compensation from compulsory insurance is limited. Safe riding comes first, but this insurance gives new riders like me more confidence and less worry.

[SanNathan]

Focusing on traffic safety regulations, I emphasize that motorcycles must have compulsory traffic insurance. The law mandates that any motor vehicle must be insured before hitting the road to ensure compensation for victims of traffic accidents. The consequences for riders without insurance in case of an accident are severe: they may have to bear high compensation costs such as medical expenses, which could lead to financial ruin in serious cases. Additionally, they may face legal liabilities such as vehicle impoundment or fines up to twice the insurance premium. The insurance coverage is clear: it compensates for third-party bodily injury and property damage but does not cover the rider's own risks. Renewal upon expiration must not be delayed, otherwise, the annual inspection will fail. Maintaining public safety is everyone's responsibility, and purchasing compulsory traffic insurance is a civic duty—do not take chances.

[MarianaRose]

Riding motorcycles is cost-effective, but compulsory traffic insurance is essential. I've done the math: small motorcycle premiums range from 200-500 yuan per year depending on engine displacement, much cheaper than cars. The risk of not buying is high: fines for being caught can exceed the premium or lead to vehicle impoundment, costing more than the premium itself. Compulsory insurance only covers third-party losses, such as medical expenses for injured parties up to 10,000 yuan, but does not cover vehicle damage. To save money, I added commercial insurance like third-party liability, which only costs a few dozen yuan more overall, providing more comprehensive coverage including my own vehicle damage. For insurance, go to reputable companies and choose discounted packages to reduce costs. Weighing the options, a small investment brings significant protection, avoiding huge accident payouts.