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G'Day,Quote:
Originally Posted by bigdamo
Just going through Shanghai rego and insurance and will have to face the BS about a better insurance once I got the full rego, can't do much with the temporary plate. Many years ago we were able to buy 100% full comprehensive insurance for 1800RMB (12 month).
I've been riding in China for less than two years, and had a self-inflicted getoff in 2010 in Yunnan. Slabo had a nasty accident in Kunming in which a girl climbed a barrier and walked into his path, then blamed him for her injuries -- and got away with it. Thus coining the verb "getting slaboed".
I used to feel, great, insurance is so cheap here in China, what a deal. Then I remember reading ChinaV say he found a way to buy extra coverage, and I though, that's pretty smart. I tried to do the same, and paid an extra 112 rmb for the hear to boost my third-party coverage to 100k rmb. Which is NOT a lot of money in a Chinese hospital. But then Motokai tried to get the same deal from the same company, even went to the same office, but was turned away. He persisted, and made them look up my policy, and they ultimately relented, but said the additional coverage was supposed to be only for cars, not motorcycles.
Now bigdamo has said he's found a way to pay 2200 rmb for 500k in coverage, and though he's a bit miffed by the expense, ChinaV has noted that this is a great deal considering what he's getting. After all, why do we have insurance if it's not to stave off catastrophic expense and liability?
So let's use thread to gather information about what's possible.
bigdamo, you mind giving a few more details about the policy you scored in xinjiang, the first by a foreigner?:deal:
Others?
cheers!
Bigdamo's post:
Quote:
Originally Posted by bigdamo
ChinaV's post:
Quote:
Originally Posted by ChinaV
Directly relevant bit of ZMC888's post:
Quote:
Originally Posted by ZMC888
bigdamo's reply to ChinaV's post:
Quote:
Originally Posted by bigdamo
Merged...have at it folks.
Please post the name of the insurance company and type of policy you are referring to.
Cheers!
ChinaV
Many thanks, V!
What insurance did you end up buying?
cheers
So guys, any news regarding insurance for motorbikes in China? it seems this thread is from 2011 and was supposed to become the gathering of all the hints to get a big coverage, or did I miss another thread?
I posted somewhere recently about my insurance renewal, at which time Pacific Insurance Company of China refused to renew a supplemental policy that they'd agreed to sell me a year ago. I've not gone out looking for alternatives, but it's entirely possible there are no alternatives available. Which means we are stuck with the mandatory minimum liability policy -- and ONLY that policy.Quote:
Originally Posted by Topmanda
That sucks.
If you are shopping for insurance, please do ask at every company if they'll sell supplemental insurance. I know I'm not the only one who would be grateful to know where to buy some.
Cheers
i know thats probably too much to ask in China but is there an option to insure your bike against theft?
Harley-Davidson (Shanghai) has arranged some type of group/commercial policy that can cover theft, but it is only available to HOG members and only in Shanghai. Beijing apparently does not have it. Nor, apparently, have Beijing Harley owners been able to find it elsewhere.Quote:
Originally Posted by modron
For other makes of bikes in China, I have personally not heard of it, and often been told that it is not available (from the infamous "counter people" at insurance offices). I have only used PICC, so my experience is limited to them.
With respect to increased 3rd party liability insurance, during one bike's renewal, the counter-person offered an unsolicited upgrade at a reasonable price. I jumped at the opportunity but, unfortunately, couldn't complete the transaction because I had not brought my passport that day. When I came back the next day, passport in hand, I was told that no such thing existed for motorcycles and I must be mistaken about my prior day's experience.
I guess it depends on whether you are in the right place at the right time. But, then again, I wonder what would happen if you actually purchased some "unavailable" upgrade, and then needed it. I have a hunch that it would not be honored.
We talked to the same guy (insurance agent) last year to insure my MTS and were told theft insurance would apply only while the bike is parked at home..... makes you wonder, eh?Quote:
Originally Posted by Lao Jia Hou
It exists, and I personally have bought it when renewing my compulsory third party motorcycle insurance at the traffic police station (usually though I have paid for it at the insurance company itself as an addition - forget which company it is). The extra insurance cover simply provides increased coverage for damage to persons (hospitalisation) and property etc. For the amount, I consider it peace of mind, my wife though thinks it is a waste of money, same for the glass cover and extras I pay for on the car insurance. Tried to explain it to her, but waste of my breath and micro-trauma on my vocal chords. I've never had to use my motorcycle insurance in the two light prangs I've been involved in on motorcycles in PRC. It has been the other parties fault (best I don't get started on that!).Quote:
Originally Posted by Lao Jia Hou
There isn't any specific theft insurance... that one can usually obtain personally. However some importers e.g. H-D, BMW etc., have been able to secure theft insurance when bikes are bought through the company specific sales channels.
if it exist than it can be found.... i will do some research before i buy a bike. Will let you guys know if found anything
Doubt anyone is going to find theft insurance.
As for increased 3rd-party liability, I posted on this several months ago when I renewed my insurance was barred from buying the enhanced policy that I'd been allowed to buy a year earlier. This was PICC, and no manner of pleading would persuade them to relent. I even came back days later and asked again, but got the same answer. The only insurance you can find as a motorcyclist is the mandatory policy, which has severe caps on what it covers.
If someone can come up with an alternative, please share it with us!
groan.
In years past we had theft insurance and full comprehensive (100% coverage) for a Harley--Davidson as example was around 1700RMB (12 month).Quote:
Originally Posted by euphonius
Insurance companies stopped the full comprehensive coverage and theft insurance as too much monkey business was going on... TIC all over again.
So,
Besides PICC, who are the few other big insurance company's in China?
Gra.
I've been reading some stories that basically in China, the foreigner always gets blamed if someone is injured no matter who is really at fault.
Can you get insurance against this? Because if the foreigner is always found at fault wont the insurance just refuse to pay because it's "your" fault?
I was involved in two accidents in China as a driver of motorcycle and as a driver of car. Both times was faults of other drivers. Both times went through official procedures and all damages were covered by insurance of other side.
Luckily, nobody got injured. Only property damage.
A big bullshit.Quote:
Originally Posted by Zhejiang rider
You get your fair say in matters like this.
Mr steel is spot on.
Insurance.....
Just fit a motorbike Dash Cam.
These kind of statement "always laowai's fault" I cannot confirm.
I had two accidents, one as car driver ten years ago in Tianjin, one as bike rider 5years ago in BJ. Both time no injuries.
The first was recorded by police, situation judged correctly, papers filled and opponents insurance paid accord. to repair bill. The procedure took a half day.
Second time the police came with their camera fixed on the uniform and recorded and analysed the situation correctly again.
The process was professional, fast and the officers polite. So I have nothing to complain about them.
Of course its also a matter of one persons own behavior. I stayed calm and polite to officers during the process no matter what they asked. Same with the opponent with whom i didn't discuss anything and just told them let's wait for police and let them judge.
Besides that my vehicles have been legal, insured, and with valid technically inspection and I have a driving license C1D.
My final advise: have a valid license and buy a legal vehicle even its not the one you dream of. Keep your sh..t in good order and bear the efforts to do so.
Sent from my GN8003 using Tapatalk
Didn't seem that slabo guy got his fair say. Someone literally walked in front of him and he still ended up shelling out for her injuries out of his own pocket. Insurance didn't pay. Although "laowai always gets blamed" is probably an oversimplification on my part. It's more like "Person with no guanxi always gets blamed". Foreigners tend not to have guanxi, start making those policeman friends right now!