Motorcycle insurance in China

[bikerdoc]

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.

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!).

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.