How do I buy insurance for a new motorcycle?

Motorcycle insurance can be purchased at major insurance companies, such as Chinese Life.

Insurance companies such as Ping An of China, as long as they carry out motor vehicle insurance business, can do so.

Types of Motorcycle Insurance:

1.Compulsory Liability Insurance: Since compulsory liability insurance is a national policy insurance, the rate of compulsory liability insurance is also determined by the State Insurance Regulatory Commission.

If the pricing is uniform, no region or insurance company has the right to set prices independently. The annual premium for motorcycles with a displacement of less than 50 cc is 80 yuan, the annual premium for motorcycles with a displacement of 50 cc to 250 ml is 120 yuan, and the annual premium for motorcycles with a displacement of more than 250 cc and side three-wheeled motorcycles.

The annual premium is $400.

2.Motorcycle damage insurance: refers to the insured motorcycle suffering from natural disasters within the scope of insurance liability.

Not included**) or accidents, resulting in the loss of the insured motorcycle itself, the insurer shall compensate in accordance with the provisions of the insurance contract. This is the opposite of a third party, which is to take care of yourself, and if you take care of your car, you have to buy it.

3.Third Party Liability Insurance.

In the past, the vast majority of local ** listed third-party liability insurance as a compulsory insurance type, and if you don't buy this insurance, the motor vehicle will not be licensed and can not be inspected annually. After the introduction of compulsory motor vehicle traffic insurance (hereinafter referred to as compulsory traffic insurance), third-party liability insurance has become non-compulsory insurance.

4.Onboard Seat Liability Insurance: It is recommended to consider life insurance products separately, as the coverage and premium are generally lower and better.

If your car is often ridden by friends, then you can also consider buying a little, but you don't need to buy too much, the insurance amount is enough for 10,000 to 20,000 yuan.

5.Spontaneous combustion insurance: During the driving process, the motorcycle is burned due to the failure of the vehicle's electrical appliances, circuits, and fuel supply system and the spontaneous combustion of the goods carried, resulting in the loss of the motorcycle and the reasonable expenses paid for the rescue. It is recommended not to buy a new car, and it is recommended to consider a car that is more than three years old.

According to the "Compulsory Liability Insurance for Motor Vehicle Traffic Accidents.

Article 5 of the Regulations stipulates that with the approval of the insurance regulatory authority, insurance companies may operate compulsory liability insurance for motor vehicle traffic accidents.

In order to protect the compulsory insurance of motor vehicle traffic accident liability.

For the implementation of the system, the insurance regulatory authority has the right to require insurance companies to engage in compulsory insurance business for motor vehicle traffic accident liability. Without the approval of the insurance regulatory authority, no unit or individual shall operate compulsory insurance business for motor vehicle traffic accident liability.

Article 6 Compulsory liability insurance for motor vehicle traffic accidents shall be subject to uniform insurance clauses and basic insurance rates.

The insurance regulatory authority shall approve the insurance rate in accordance with the principle that the compulsory insurance business of motor vehicle traffic accident liability is generally not profitable. When examining and approving insurance rates, the insurance regulatory authority may engage relevant professional institutions to conduct an assessment and may hold a public hearing to hear public opinions.

Motorcycles belong to motor vehicles, and insurance must be purchased in the case of motor vehicle license plates, and insurance can be purchased by local insurance companies and salesmen. Wish.

Motorcycles are also motor vehicles, first of all, compulsory traffic insurance must be bought every year, and then commercial insurance can be supplemented according to your needs, such as driver (passenger) accident insurance, third-party liability insurance, car damage insurance, ......And so on!

Motorcycles need to be insured, and they must be insured before they can drive on the road.

Compulsory traffic insurance is a type of car insurance that the state compels motor vehicle owners to buy, and motorcycles are also motor vehicles, so they must buy compulsory traffic insurance to go on the road, otherwise they will be punished after being caught by the traffic police. As for commercial insurance, third-party liability insurance and car damage insurance can be purchased optionally.

Extended information: 1. What is compulsory traffic insurance:

The full name of compulsory traffic insurance is "compulsory insurance for motor vehicle traffic accident liability", which is a compulsory liability insurance for the personal and property losses of the victims (excluding the vehicle personnel and the insured) caused by road traffic accidents caused by the insured motor vehicle within the liability limit.

Compulsory liability insurance is the first compulsory insurance system in China that is prescribed by national law. The premium is the implementation of the national unified charging standard, which is uniformly stipulated by the state, but the compulsory traffic insurance of different car models is also different, and the main influencing factor is the "number of car seats".

From September 19, 2020, the Guiding Opinions on the Comprehensive Reform of Motor Insurance will be officially implemented, and the total liability limit of compulsory traffic insurance will be increased from 10,000 yuan to 200,000 yuan.

2. The difference between compulsory traffic insurance and commercial insurance:

First, the principle of compensation is different.

Second, the scope of protection is different.

Third, it is mandatory.

According to the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability, the owner or manager of a motor vehicle shall be insured with compulsory insurance, which means that as long as the owner buys a car, he needs to insure it every year.

At the same time, the insurance company cannot refuse to underwrite, delay the underwriting and terminate the contract at will. Commercial insurance, on the other hand, is not mandatory, and the policyholder and the insurance company enter into an insurance contract under voluntary and equal conditions. Therefore, the car owner can also only insure the compulsory traffic insurance, of course, because the scope and degree of protection are relatively limited, the risk is greater.

Fourth, according to the provisions of the "Regulations", the compulsory traffic insurance implements a unified national insurance terms and basic rates, and the China Insurance Regulatory Commission approves the rates in accordance with the principle of "no profit and no loss" in the compulsory traffic insurance business as a whole. It can be seen that the purchase of compulsory traffic insurance is basically the same.

Fifth, the compulsory traffic insurance implements a sub-liability limit. It can be seen that the purchase of compulsory traffic insurance should clarify the sub-responsibilities.

According to the Regulations on Compulsory Insurance for Motor Vehicle Traffic Accident Liability, starting from August 2008, all new cars and vehicles whose insurance has expired must purchase compulsory vehicle insurance for renewal.

Take the following six seats as an example: the premium for private cars is 950 yuan, 1,000 yuan for non-business cars for enterprises, 950 yuan for non-business cars for government agencies, and 1,800 yuan for business rental leases. The insurance company will make a judgment based on the vehicle sales invoice.

In addition to the compulsory traffic insurance required by the state, new car owners also need to purchase some necessary commercial insurance, including car damage insurance, three liability insurance, theft insurance, car personnel insurance, etc.

The process of purchasing motorcycle insurance online is as follows:

1. Click on your phone to open Alipay.

3. Select the appropriate motorcycle insurance business and click to buy.

4. Confirm the insurance policy, fill in the information of the purchaser and driver.

5. Finally, after the confirmation is completed, you can make a purchase, so that it is guaranteed.

Operating environment: brand model: iphone13

Extended Materials. 1. Other ways to purchase motorcycle insurance.

At present, the major insurance companies provide relatively few motorcycle commercial insurance, but it will be more convenient to insure motorcycle compulsory insurance, because it is compulsory insurance, the underwriting risk is not so large, and the premium is generally about 100 yuan.

In addition, if you want to buy motorcycle commercial insurance, you can directly call the customer service of the insurance company for consultation, or you can apply for insurance through a formal third-party insurance sales platform, provide relevant vehicle information, and select the type of insurance you want to buy. For example, the electric vehicle accident insurance provided on the official website of Zhongan Insurance, in addition to the official website**, can also be insured through customer service** or the counter of outlets.

2. What kind of insurance should I buy for motorcycles? How much?

First: compulsory traffic insurance, this is mandatory for motor vehicles to be purchased by the state! Must be insured every year!

Cost 50cc or less for 80 years, 51 250cc for 120 years, 251cc or more and side three wheels for 400 years! Among them, compulsory traffic insurance generally needs to be paid together with vehicle and vessel tax, vehicle and vessel tax in Beijing and Tianjin for 120 years, and 60 in some areas, and some are more preferential or even tax-free!

Second: third-party liability insurance, generally handled according to **, in fact, it is more than 200 to buy a third-party 100w alone, but it is basically difficult to buy it alone! At present, the third party 50W is about 700 800, and the third party is about 900 1100 if it is 100W.

This third party** generally includes the accident insurance of the driver and passengers!

Fourth: Car damage insurance! This cost is quite expensive, except for those luxury cars, the average car owner is not willing to spend money to buy it! Not cost-effective!

In our real life, in fact, we can't do what will happen in the future, and sometimes, for the occurrence of some emergencies, it also makes us feel very distressed, especially traffic accidents, so some people will have such doubts, that is, to buy accident insurance, motorcycle and then buy traffic force display to buy accident insurance? Actually, I don't think it's necessary for this question. And there is no need to buy insurance repeatedly, let's take a look at it specifically.

1 No need to buy

Generally when we buy a car, I believe we also have a certain understanding, we have to be listed after completing the relevant procedures, and now only the listed car can be on the road, once caught by the traffic police, for those owners who are not listed, their cars will be confiscated, and will also be criticized accordingly. Then we also need to buy insurance, in addition to strong insurance, we also have to buy accident insurance, because the accident insurance itself is also very practical, and for each of us is a very big protective role, so if you buy accident insurance, the motorcycle when you buy strong insurance, you don't need to buy accident insurance.

2 There is no need to buy repeatedly

In fact, for accident insurance and long-term insurance, although these two are insurance, there are still certain differences in its nature, and its nature itself is different, so both insurance needs to be bought, but in a word, he is of the same nature, so after buying accident insurance, we don't need to buy it later.

So in our daily life, we should also go more to Duan Pihuai to pay attention to this aspect of the problem, for everyone, in fact, I think it is very normal to buy insurance itself, and it is also to buy us a peace, because driving outside, there may be some abnormal phenomena, when these things really happen, insurance can be of great help to us.

The specific amount of money paid for motorcycle insurance is related to the displacement of the motorcycle, and the specific classification standards are 50cc and 250cc.

Motorcycles, like automobiles, are also motor vehicles, so insurance can be summarized as compulsory insurance and commercial insurance. Baoshen hand insurance related knowledge: The specific amount of money paid for motorcycle insurance is related to the displacement of the motorcycle, and the specific classification standards are 50cc and 250cc.

The Chinese People's Insurance Motorcycle Cover Car Insurance Clause stipulates that this insurance insurance is composed of insurance clauses, insurance policies, insurance policies, endorsements and special agreements. All agreements relating to this insurance contract shall be in writing.

Summary. Hello dear! Now for you to answer how to buy motorcycle new car insurance:

Motorcycles can be insured at the insurance company's counter. Motorcycles are also motor vehicles, and the insurance that needs to be paid is compulsory traffic insurance and commercial insurance, and you can bring SFZ, driver's license, and driving license to directly find an insurance company for insurance.

Kiss, you bring the stove well! Now for you to answer how to buy motorcycle new car insurance: motorcycles can go to the insurance company counter to pay insurance.

Motorcycles also belong to motor vehicles, and the insurance that needs to be paid has hidden disadvantages and commercial insurance, and you can bring SFZ, driver's license, and driving license to directly find the insurance company to insure.

When the policyholder applies for insurance, he or she should truthfully inform the insurance company of important matters. Important items include the type of motor vehicle, make and model, identification**, license plate number, nature of use, and the name, gender, age, address, SFZ or driver's license number of the motor vehicle owner, and the circumstances of the accident before the renewal of the motor vehicle. When signing a compulsory insurance contract for motor vehicle traffic accident liability, the policyholder shall pay all the insurance premiums at one time.

The insurance company shall issue an insurance policy and an insurance mark to the policyholder. The insurance policy and insurance mark shall indicate the insurance policy number, license plate number, insurance period, name and address of the insurance company, and the claim number. The insured shall place an insurance mark on the insured motor vehicle.

Motorcycle insurance, you can go directly to the insurance company, and then you can go to the traffic police after graduation, and he can also buy insurance for you.

Motorcycle insurance is generally purchased through the following two channels: first, it is purchased in any local insurance (car insurance) business hall with compulsory traffic insurance business; Second, through the urban area and the county and city vehicle management office, the purchase of insurance is also possible, basically the urban area and the county and city vehicle management office have set up a special motorcycle insurance handling point. Therefore, motorcycle owners who want to buy insurance can also go to the local vehicle management office to purchase insurance.

In addition, motorcycle commercial insurance, that is, motor vehicle insurance, referred to as car insurance, also known as motorcycle insurance, refers to a kind of commercial insurance that is liable for personal or property damage caused by natural disasters or accidents.