How much will the fine be in 2025 for operating motocycles without motorcycle insurance in Vietnam? How much are the current motorcycle insurance fees?
How much will the fine be in 2025 for operating motocycles without motorcycle insurance in Vietnam?
According to Article 18 of Decree 168/2024/ND-CP regulating the penalties and deduction of driver license points for violations of regulations regarding the conditions of motor vehicle operators, as follows:
Penalties and deduction of driver license points for violations of regulations regarding the conditions of motor vehicle operators
...
- A fine ranging from 200,000 VND to 300,000 VND shall be imposed for any of the following violations:
a) Operators of motorcycles, mopeds, vehicles similar to motorcycles, and vehicles similar to mopeds used in transportation business without carrying a valid certificate of compulsory civil liability insurance for motor vehicle owners;
b) Operators of motorcycles, mopeds, vehicles similar to motorcycles, and vehicles similar to mopeds without a valid certificate of compulsory civil liability insurance for motor vehicle owners;
c) Operators of motorcycles, mopeds, vehicles similar to motorcycles, and vehicles similar to mopeds used in transportation business without carrying a vehicle registration certificate (or a notarized copy of the vehicle registration accompanied by the original receipt from the financial institution, branch of a foreign bank in case the original vehicle registration certificate is kept by the financial institution, branch of a foreign bank);
d) Operators of motorcycles and vehicles similar to motorcycles used in transportation business without carrying a driver license excluding violations stipulated at point b clause 5, and point c clause 7 of this Article.
...
According to the above regulations, the operator of a motorcycle without valid motorcycle insurance (certificate of compulsory civil liability insurance for motor vehicle owners) will be fined from 200,000 VND to 300,000 VND.
How much will the fine be in 2025 for operating motocycles without motorcycle insurance in Vietnam? How much are the current motorcycle insurance fees? (Image from the Internet)
How much are the current motorcycle insurance fees in Vietnam?
Based on Annex I issued with Decree 67/2023/ND-CP regulating the fee rates for compulsory civil liability insurance of motor vehicle owners as follows:
*Insurance fees for a 1-year insurance period (excluding value-added tax):
| No. | Type of Vehicle | Insurance Fee (VND) |
|---|---|---|
| I | Two-wheel motorbike | |
| 1 | Below 50 cc | 55,000 |
| 2 | 50 cc and above | 60,000 |
| II | Three-wheel motorbike | 290,000 |
| III | Moped (including electric motorcycles) and similar motor vehicles | |
| 1 | Electric motorcycle | 55,000 |
| 2 | Other types of vehicles | 290,000 |
*Insurance fees for an insurance period other than 1 year (excluding value-added tax):
For motor vehicles purchasing insurance for a period other than 1 year, the insurance fee is calculated based on the insurance fee set by the Ministry of Finance corresponding to the insurance period. The specific calculation is as follows:
Insurance fee payable = (Annual Insurance Fee for vehicle type / 365 (days)) x Insurance Period (days)
In cases where the insurance period is up to 30 days, the insurance fee payable is calculated by the annual insurance fee for the vehicle type divided by 12 months.
What are the cases of exemption from motorcycle insurance liability in Vietnam?
According to the regulations at Article 7 of Decree 67/2023/ND-CP regulating the cases excluded from motorcycle insurance liability include:
- Intentional damage caused by the motor vehicle owner, the driver, or the damaged party.
- The driver who causes the accident intentionally flees without fulfilling the civil liability of the motor vehicle owner. If the driver causes the accident but has fulfilled the civil liability of the motor vehicle owner, it is not considered a case excluded from insurance liability.
- The driver not meeting the age requirements as per the Road Traffic Law; the driver does not have a driver license or uses an invalid driver license as stipulated by law regarding training, examination, issuance of motor vehicle driver licenses, driver licenses which have been altered or expired at the time of the accident, or using a driver license not suitable for the motor vehicle that requires a driver license.
In the case where the driver license is suspended temporarily or revoked, it is considered as not having a driver license.
- Indirect consequences including: depreciation, losses related to the use and exploitation of the damaged property.
- Damage to property caused by the driver controlling a motor vehicle with a blood alcohol content or breath alcohol level exceeding the normal value as guided by the Ministry of Health; using narcotic substances and stimulants banned under the law.
- Damage to property that is stolen or robbed during an accident.
- Damage to special properties including: gold, silver, precious stones, valuable papers like money, antiques, rare paintings, corpses, human remains.
- Damage due to war, terrorism, earthquake.
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