Why Can't I Purchase Compulsory Traffic Insurance for Motorcycles?
2 Answers
It is impossible not to be able to purchase compulsory traffic insurance for motorcycles, as it is mandatory insurance. The methods for purchasing motorcycle compulsory insurance are as follows: Purchasing compulsory insurance at a motorcycle dealership: When purchasing a motorcycle, people can directly buy the compulsory insurance for the motorcycle. At large and qualified dealerships, people can purchase motorcycle compulsory insurance at the same time as buying the motorcycle. Purchasing through insurance company service personnel: When buying compulsory insurance for motorcycles, most people purchase it through insurance company service personnel. This is the most common method. When handling insurance transactions, people can ask the insurance company staff detailed questions about what they want to know. If any issues arise, the staff handling the insurance transactions will promptly resolve them. Purchasing compulsory insurance on the insurance company's website: Buying compulsory insurance on the insurance company's website is the newest method available now. Although not many people currently use this method, purchasing online allows people to buy the required insurance without leaving their homes. Moreover, by simply entering relevant information online, people can easily check the costs of various insurance policies they wish to purchase. Many major insurance companies now have such websites. For example, Ping An Insurance Company has its own website. Additionally, if people purchase compulsory insurance on Ping An's website along with other commercial insurance policies, they may receive certain discounts on the commercial insurance.
As a seasoned motorcycle rider, I recently found that many insurance companies are reluctant to sell compulsory traffic insurance when I tried to renew it. After researching the reasons, I discovered it’s mainly due to the high accident rate of motorcycles, which makes insurers fear financial losses. I inquired with several companies, and they directly stated that the risk is too high—setting premiums too low would result in losses, while setting them too high would deter customers. This is especially true in urban areas with heavy traffic and higher accident probabilities, where inexperienced riders further discourage insurers. I also noticed regional differences, with stricter policies in some provinces leading major insurers to withdraw collectively, making it even harder to find coverage in smaller areas. I advise fellow riders to inquire early and try local smaller insurers or online specialty stores. Additionally, maintaining a good safety record for your motorcycle, such as installing ABS brakes, can improve your chances of getting insured. If all else fails, consider government subsidies or temporary insurance, but safety should always come first.
