What are the penalties for not purchasing compulsory traffic insurance for motorcycles?
3 Answers
The traffic police department can detain the motor vehicle in accordance with the "Regulations on Compulsory Insurance for Motor Vehicle Traffic Accident Liability" and notify the relevant policyholder to make the purchase. A fine of twice the minimum premium amount that should be paid for the insurance will be imposed.
I've been riding motorcycles for so many years, and once I forgot to renew the compulsory traffic insurance. When the traffic police caught me, they fined me double the premium. At that time, the premium was 300 yuan, and I was fined 600 yuan—a huge loss. They also warned that next time, the vehicle would be impounded, and I'd have to spend several days at the vehicle management office to sort out the insurance. Usually, people think it's no big deal, but in fact, the law requires all motor vehicles to have compulsory traffic insurance, including motorcycles. If you don’t buy it and an accident happens, the insurance company won’t pay, and you’ll have to cover the other party’s claims out of your own pocket—potentially bankrupting you in no time. Now, I check my insurance policy date every six months and set a reminder on my phone to avoid any slip-ups. Remember, this small expense buys you peace of mind—don’t cut corners to save trouble.
As a fellow rider, I often get asked by beginners about the consequences of not purchasing compulsory insurance, which is quite a serious matter. If caught, you'll face fines, typically around double the insurance premium. For example, a friend of mine didn't buy it last year and was fined 400 plus late fees. In severe cases, traffic police may impound your vehicle until you purchase the insurance and pay the fines. Beyond the financial risk, if an accident occurs during your daily ride, you'll be fully liable—covering medical expenses for injuries or property damage out of pocket, which can be overwhelming. It's advisable to promptly visit an insurance company or use an online app to get it done. It costs just a few hundred a year and often comes with added benefits like roadside assistance. Safety first—don't risk big losses for small savings.
