Rally cars, cruisers, and scooters are all easy to sell; accident insurance, vehicle damage insurance, and three-liability insurance are all hard to come by. To this day, almost everyone who reads this article must have one or more people who sell insurance in their circle of fri

Rally cars, cruisers, and scooters are all easy to sell; accident insurance, vehicle damage insurance, and three liability insurances are all hard to come by.

To this day, almost everyone who reads this article must have one or more people who sell insurance in their circle of friends, whether it is car insurance, life insurance, property insurance, or other types of insurance. These insurance sellers may have proactively contacted you many times to sell insurance. However, when you ask them seriously one day, "Do you do motorcycle liability insurance?", without exception, they all say the same thing. , and they all responded to you with a sad emoticon.

In fact, before I got into contact with motorcycles in depth (let me clarify, I am still a beginner, not very in-depth), I didn’t know that it was so difficult to buy insurance for motorcycles (this article refers to Motorcycle insurance mainly refers to three liability insurance, the same below).

and above are the results of my search in Baidu search engine. If you don’t believe it, you can search it yourself. However, I estimate that the search results may be almost exactly the same except for the order.

As I described in my previous article, in recent years, with the ban on motorcycles all over the country, motorcycles are not only unstoppable, but more and more banned. The motorcycle market is so hot. However, regarding motorcycle insurance, except for compulsory traffic insurance, which has to be sold (in fact, many insurance companies do not sell motorcycle compulsory traffic insurance), accident insurance, vehicle damage insurance, and third party liability insurance are almost " A risk is hard to find."

The reason why motorcycle insurance is so difficult to buy is roughly as follows:

First, insurance companies do not do business at a loss.

Motorcycles have low insurance premiums, high accident rates, high maintenance costs, and large compensation ratios. Under the current auto insurance pricing system, insurance companies must never engage in loss-making business, everyone knows it.

According to the basic rate table of compulsory motor vehicle traffic accident liability insurance (2022 version), the cost of compulsory motorcycle traffic insurance is divided into three levels according to different displacements: For motorcycles with a displacement of 50CC and below, the annual premium is 80 yuan. ; The annual premium for 50CC-250CC (inclusive) is 120 yuan; the annual premium for motorcycles above 250CC and side three-wheelers is 400 yuan. In addition, the insurance company collects and pays the vehicle and vessel tax on its behalf.

According to industry insiders, the problem of motorcycle compulsory traffic insurance losses has existed for many years. Under normal circumstances, an insurance company charges a premium of 100 yuan, and the claim amount often exceeds 150 yuan. The ratio of premium to claim is about 1:1.5, which does not include labor costs, taxes, etc. In order to reduce losses, insurance companies have no choice but to refuse insurance or bundle products.

Second, fully cooperate with the government to ban motorcycles and restrict motorcycles. As we all know, motorcycles must purchase compulsory traffic insurance before they can legally go on the road. However, motorcycles are often used as a means of transportation. Compulsory traffic insurance alone is obviously not enough. Under the motorcycle ban and motorcycle restriction policy, it is difficult to purchase insurance for motorcycles, so you can The ambitious goal of banning and restricting motorcycle use will be realized as soon as possible.

Third, car owners’ insurance awareness is not strong enough. In many people's minds, motorcycles are a means of transportation between bicycles and cars. By implication, motorcycle owners are a huge social group between the poor and the rich. In fact, let’s take an ordinary mobility motorcycle with a displacement of 150cc as an example. The price of a new car is only about 10,000 yuan. If we follow the current three-liability insurance pricing of some insurance companies, a three-liability insurance of 2 million will cost about 10,000 yuan. The cost of 1,500 yuan, including compulsory traffic insurance, accounts for almost 20% of the motorcycle purchase cost for one year, which is difficult for owners of this type of vehicle to accept. For those motorcycles with large displacement and relatively expensive prices, they sincerely hope to buy motorcycle three-liability insurance, but they will be turned away because of the "blacklist".

Recently, we have consulted dozens of insurance companies with these questions. After many setbacks, we finally found a few institutions that can handle motorcycle insurance (mainly liability insurance and accident insurance). At present, except for some provinces and cities, Except for (regions) where it is not possible, most areas can apply for it. In the future, if motorcycle friends need to purchase motorcycle three-liability insurance and accident insurance, they can contact Xiaokong Tiaoche to handle it.