What to Do If a Motorcycle's Insurance Has Lapsed for One Year?

1 Answers
AubreyLee
07/30/25 5:50am
If a motorcycle's insurance has lapsed for one year, it is necessary to purchase insurance immediately. Below is relevant information about motorcycle insurance: 1. Discounts: As long as the insurance has not been expired for more than three months, you can still enjoy discounts. However, according to China's traffic laws, if you are caught by traffic police without compulsory traffic insurance, you will be fined double the premium, required to pay the compulsory insurance, and have your vehicle impounded. 2. Liability: Since motorcycle compulsory insurance is a mandatory liability insurance where the insurance company compensates for personal injuries, deaths, or property losses (excluding the vehicle's occupants and the insured) caused by the insured motorcycle in a road traffic accident within the liability limits. Therefore, if the motorcycle compulsory insurance expires and is not renewed, the owner may face substantial compensation in the event of an accident.
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