In November this year, the imperial capital implemented restrictions on areas where foreign vehicles can travel. Each vehicle with a foreign license plate can only apply for an "Entry Permit to Beijing" 12 times a year. The maximum period of use of each "Entry Permit" issued is 7

Imperial City has implemented restrictions on areas where foreign vehicles can drive since November this year. Each vehicle with a foreign license plate can only apply for " Beijing Entry Permit " 12 times a year. The maximum period of use of each issued "Beijing Permit" is 7 Days, that is to say, foreign vehicles can only drive in Beijing for 84 days at most, which is less than three months. This is really a disaster for migrant workers.

What can I do after 84 days? Renting a license plate, changing cars, or buying a motorcycle have become the alternatives for people who continue to drift from the north. Xiaobaike is also a favorite among them. Recently, he bought a motorcycle, took the motorcycle driver's license test in advance, and applied for the license plate and insurance. Even though the road ahead is bumpy. Infinity still cannot stop the dream of continuing to stay in the imperial capital.

This issue of the encyclopedia mainly talks about how to buy motorcycle insurance? How to buy to maximize risk protection. When it came to insuring motorcycles, I went through many rounds. Many insurance companies did not cover motorcycles, including the insurance company I worked for, which only covered compulsory traffic insurance. As for third party insurance and car damage insurance, they did not cover them at all. It was really frustrating. I'm so embarrassed.

Are motorcycles legal on the road?

Why do you ask? Because there are many traffic accidents where cars and motorcycles collide, the motorcycle is judged to be mainly responsible, but the owner does not have any insurance and does not have a motorcycle driving license, so he can only bear the losses incurred. There are countless examples of this.

A motorcycle refers to a two-wheeled or three-wheeled vehicle driven by fuel or batteries. When driving on the road, the vehicle must have a license plate registered with the vehicle management office, and the driver must have a driver's license with corresponding qualifications before driving on the road. This is legal Motor vehicle, Just like a car that wants to be on the road, it must be registered and listed at the vehicle management office and the driver must have a driving license before it can be on the road. Otherwise, without a motor vehicle license plate or driving without a license, you will be detained for not more than 15 days and fined not more than 200 yuan to 2,000 yuan. .

Therefore, two documents are necessary to drive a motorcycle: license plate and driving license.

Applicable types of insurance for motorcycles

Compulsory motor vehicle traffic accident liability insurance (referred to as "compulsory traffic insurance") is the most basic and currently the most important type of insurance for motorcycles. It is mainly used to cover personal injuries and deaths of the vehicle personnel and victims other than the insured. , property loss protection, in short, compensation for losses to persons or things caused by a third party.

Motorcycle commercial insurance stipulates motorcycle and tractor insurance types, insurance liability, liability exemption, and compensation processing in the "Motorcycle and Tractor Comprehensive Commercial Insurance Model Clauses of China Insurance Industry Association".

Commercial insurance applicable to motorcycles is divided into main insurance and additional insurance . The main insurance is divided into motorcycle loss insurance , motorcycle third party liability insurance , motorcycle personnel liability insurance, and motorcycle theft insurance. Emergency has four independent types of insurance.

Additional insurance does not include deductible rate, insurance, and third-party special insurance cannot be found for motorcycles.

Except that the number of additional insurance types is less than that of motor vehicle insurance, and there are differences in premiums, insured amounts, and rates, the rest of the insurance liabilities and exemptions are the same.

Therefore, motorcycles follow the same traffic regulations and terms and conditions as cars, and should not be treated differently in terms of underwriting principles.

Motorcycle compulsory traffic insurance premiums start at 80 yuan

Motorcycle compulsory traffic insurance compensation limit: Motorcycle Compulsory traffic insurance liability limit is the same as motor vehicle compulsory traffic insurance liability limit. The compensation limit is 122,000 yuan in the case of liability, and the compensation limit is 12,100 yuan in the case of no liability.

Compensation limit for motorcycles responsible for road traffic accidents

Death and disability compensation limit: 11,000 yuan

Medical expense compensation limit : 1,000 yuan

Property damage compensation limit : 100 yuan

Motorcycle Limit of compensation for liability in road traffic accidents

Limit of compensation for death and disability: 110,000 yuan

Limit of compensation for medical expenses: 10,000 yuan

Limit of compensation for property damage: 2,000 yuan

Premium standard: Motorcycle Premiums are calculated based on vehicle displacement, and uniform prices are implemented across the country.

Motorcycles 50CC and below: Premium 80 yuan

Motorcycles 50CC-250CC (inclusive): Premium 120 yuan

38 Motorcycles 250CC or above and side three-wheelers: Premium 400 yuan

Whether motorcycle vehicle and vessel tax is paid Identification based on ID card address If your ID card address is in a rural area, you do not need to pay vehicle and vessel tax; if your ID card address is in an urban area, you need to pay vehicle and vessel tax.

Seeing this, many car owners will ask whether there will be any discounts for motorcycle compulsory traffic insurance renewal? In fact, it is the same as car insurance renewal. If there is no accident in the previous year, there will be a discount when renewing the insurance. However, the actual cost of each insurance company shall prevail. After all, motorcycles are high-risk models. Even if there is no accident in the previous year, the cost will be 80 yuan. If the premium is more favorable, it will be a good deal for the car owner, but not necessarily for the insurance company.

What should you do if your motorcycle is refused compulsory traffic insurance?

Motorcycle compulsory traffic insurance rates are much lower than car rates. The first-year premium for a new car for family use is 950 yuan. The premium difference is 700-800 yuan. The insurance liability and compensation limit are the same, but in actual insurance, insurance companies often encounter Motorcycle compulsory traffic insurance is not covered.

This situation is mainly affected by the high compensation rate and high insurance rate of motorcycles. The underwriting policies of various insurance companies do not cover motorcycles , . However, according to the regulations of the China Banking and Insurance Regulatory Commission, no insurance company may refuse to underwrite motor vehicle compulsory traffic insurance. Or the insurance may be refused in disguise due to reasons such as "no insurance policy" or "the bill issuance system has been faulty". It is recommended to record or videotape the incident, and consumers can safeguard their rights through complaint channels.

Article 38 of the "Regulations on Compulsory Traffic Insurance": If an insurance company violates the provisions of these regulations and commits any of the following acts, the Insurance Regulatory Commission shall order it to make corrections and impose a fine of not less than 50,000 yuan but not more than 300,000 yuan; if the circumstances are serious, the scope of business may be restricted, Order them to stop accepting new business or revoke their insurance business license. The first of them is: "Refuse or delay compulsory motor vehicle traffic accident liability insurance."

Motorcycle owners adhere to the principle of safety first and life is priceless. Xiaobaike strongly recommends purchasing motorcycle compulsory traffic insurance, 80 Yuan is not enough for a meal, but it can make you ride with peace of mind.