Although buying motorbike insurance on e-commerce sites is convenient, people still need to be careful to avoid fraud.
In fact, motorcycle insurance is one of the most “trapped” types of insurance for buyers. Usually, after buying a motorcycle, the dealer will suggest that the buyer buy insurance from a motorcycle insurance provider affiliated with them.
The salesperson may offer you an option from another insurance provider at a cheaper rate. Because of the low price, you accept the offer and may end up buying fake motorcycle insurance.
Currently, some streets sell “Motorcycle insurance 20,000 VND”. Because of the convenience and low price, many vehicle owners have chosen to buy insurance from these “sidewalk agents”.
However, when checked, the buyer discovered that he had mistakenly purchased fake insurance or just voluntary insurance for the passenger on the back of the motorbike. This is not compulsory civil insurance for motorbikes when participating in traffic.
According to state regulations, compulsory motorbike insurance premiums range from 55,000-66,000 VND/year depending on the type of vehicle.
Therefore, insurance experts affirm that it is impossible for civil liability insurance for motorbikes to cost only 25,000-40,000 VND as offered.
In addition, the market has also recorded other forms of counterfeiting motorbike insurance certificates when subjects take advantage of their positions at insurance companies to profit, print a series of fake documents and sell them to customers through insurance agents.
The incident was discovered during the claim settlement process when the insurance buyer caused an accident.
These cases of buying fake insurance certificates can be limited by replacing them with online insurance, but this form also has many potential risks.
In practice, there are cases where people who buy motorbike insurance go online to search for motorbike insurance companies that offer "99% discount" when they access the website, fill in the information and pay.
After that, this person immediately received a photo of the motorbike insurance certificate sent via email when the money was paid. However, if the website is not reputable, buyers can still be easily scammed.
On e-commerce platforms, compulsory motorbike insurance products are also being sold at incredibly cheap prices, only around 30,000 VND.
Not only that, many stalls also sell motorbike insurance products whose advertising image is a certificate from one company but the description states that the insurance is provided by another company.
To avoid being scammed, buyers need to buy insurance:
Always buy insurance from reputable, trusted providers. Never buy from unknown providers.
Don't get caught in the trap of heavy discounts.
For direct insurance purchases, you must pay special attention to the reputation of the provider as well as the insurance agents. You can go directly to the stores or offices of insurance companies such as PVI Insurance, MIC Military Insurance, Bao Viet Insurance, etc. to buy motorbike insurance.
For online insurance purchases, you should choose reputable, licensed platforms that are closely linked to insurance providers.
