How to Get Motorbike Insurance in Vietnam

Compulsory 3rd part insurance certificate - rentabike vietnam

Table of Contents

Understanding the ins and outs of insurance in Vietnam is very difficult, especially because the written rule is very rarely followed. You may well think you are insured but because of some misunderstanding or slight error you end up not being covered. Add to this that the implementation of these rules by cops and insurance companies is vastly different. Here we try to break down the confusion and give you a simple guide to what you need to do and how to do it. 

Read on to find out how to get 3rd party and/or Theft and Damage Insurance for your motorbike or a rental as a long term resident of Vietnam.

You Need a Vietnamese License

First of all, for any of your insurance to be valid you need to be driving legally and have a license. You can find out how to drive legally in Vietnam here. As with any insurance policy, you will not be covered for any illegal activity. This is pretty much standard and understood. Note that for a 50cc motorbike, no license is required. 

A Vietnamese issued A1 driving license - Front
A Vietnamese Driving License
Vietnamese Vehicle Registration (Blue) Card for a honda wave
A Registration (Blue) Card

You Need the Blue Card

The Blue Card; what is the Blue Card? Well, this is the vehicle registration document (that used to be blue, but is now orange) that you get when you buy a motor vehicle. It is supposed to show that the vehicle is not stolen. 

If you have possession of the Blue Card, you are seen to be the owner of that vehicle even if your name is not on the card. This document will usually have the original owner’s name on it. Many people do not transfer this document to their name, for many reasons, so insurance companies have opted to insure the vehicle and not the person for 3rd party insurance. 

It is also why rental companies will only ever give you a copy of this document and not the original with which you could then sell the vehicle.

Rest assured that the insurance is for the vehicle and will still be valid if your name is not on the Blue Card. 

NOTE: There is only one issue you may have with the Blue Card and that is it could be fake. Losing the Blue Card is such an issue that people will fake them rather than go to the hassle and expense of replacing it. Or, it may be that a bike is stolen hence a fake is required. Be sure to check, or have someone who knows check, the blue card. 

There are Two Types of Motor Vehicle Insurance.

1. Compulsory Motorbike Insurance in Vietnam

This is legally required and you must produce this at any traffic stop. It is just one of the things that you will be asked for. You should note that without this insurance you are driving illegally ( even if you have gone to the effort of getting a driver’s license ). As mentioned above, you may find that your health insurance policy will not pay out because you are driving illegally. 

Compulsory 3rd part insurance certificate - rentabike vietnam
A 3rd Party Insurance Registration Card

This is a third party insurance and in general covers :

CHECK

  • 100 million VND per person per case in relation to people
  • 50 million VND per person per case for assets

Buying 3rd party motor insurance in Vietnam is very easy

There are many small agencies that offer this and you can also find insurance for sale at many small mechanic shops and petrol stations. The large insurance companies, such as: BaoViet, Liberty and Infinity are also happy to sell it. We purchase this for around 100,000vnd per bike but you may be able to find it cheaper. Considering that it is required but you will probably never be able to claim on it, you should try not to overpay. 

To purchase this, you will need to show the Blue Card of the vehicle and your Vietnamese driving license. Again, how valid a foreign health insurance company will see this, is unknown. However, once you have this you can legitimately claim that you did everything possible to drive legally. 

Interestingly, there is a lot of public resistance to this 3rd party insurance as they typically do not pay out and it is seen a a scam. In 2016, only 6% of the premiums paid was returned to the customers as a result of claims. It is still compulsory. 

XR150 Crash and helmet
Prepare for the worst; hope for the best.

If you are renting a motorbike, you should use the company that has this for its rental bikes. Rentabike Vietnam provides this insurance as standard to anyone who is driving legally. How easy and possible it is to make a claim on this insurance is another thing. However, you will be able to provide this to your health insurance provider to show you did everything you could to drive legally. 

2. Motorbike Theft and Damage Insurance in Vietnam

If you have your own vehicle in Vietnam you may wish to buy insurance against accident damage and theft. It is difficult to find a provider for this but it is sometimes possible through BaoViet or Liberty. Rentabike Vietnam provides a Damage Waiver but NOT Theft or Health Insurance. 

The policies for this, offered by the large insurance companies, are varied and based on case by case scenarios. You will need to consult with these companies to find out exactly what is required, what they cover and how much this will cost. From experience, the policies are quite reasonable.

typical Vietnamese traffic - a few cars and a lot of motorbikes
The streets are busy over here.

All in all, it is not that difficult to get compulsory 3rd party insurance so it is something that you should make sure you do or ask your rental company to do. Driving legally is a little more difficult and is something that you should look into before considering insurance as you will not be covered unless you have a license. 

Theft and damage insurance is another level of difficulty and also health insurance that covers driving on a day to day basis / off road / as part of a tour is even more complex. 

For more clarification leave a question in the comments or get in touch with us to talk about your specific details.

Driving on an IDP and Insurance

If you are a tourist and are driving in a Home License and an IDP, then you will need to contact your insurance company to find out if they will cover you or not.

You will probably need to ensure that the vehicle you are driving has the 3rd party insurance. This is just in case the insurance company ask for this and claim you were driving illegally without it. You know how they will do anything not to pay out. 

There shouldn’t be any issue as the insurance is for the vehicle and not the rider. Therefore, so long as the 3rd party insurance is paid up and valid and you have all your necessary documents, you should be totally legal. 

Some companies will cover you and some will not. It is best to get written confirmation from the insurance provider, just in case the worst happens. 

UK International Driving Permit Front Page
An IDP (1968 convention) is necessary for driving in Vietnam with a home License

So, as you can see, there are many twists and turns and you could easily fall foul of all of this legislation. Hopefully, you now have a clearer idea of what is needed and how to go about getting it. If there is still some confusion or argument, get in touch through the comment box and we will do our best to help.

Quick Connect

Honda XR 150 motorcycle rental

Engine Type

air cooled, OHC, single cylinder

Displacement

149 cc

Bore X Stroke

57.3 mm x 57.8 mm

Ignition

CDI

Fuel System

20 mm piston valve carburettor

Compression Ratio

9.5:1

Starter

electric with kick starter backup

Gearbox

5-speed

Front Suspension

telescopic fork, 180 mm axle travel

Rear Suspension

single shock swing arm, 150 mm axle travel

Front Brakes

dual piston caliper, 240 mm disc

Rear Brakes

mechanical drum

Front Tyres

90/90 19

Rear Tyres

110/90 17

Wheelbase

1362 mm

Seat Height

825 mm

Ground Clearance

243 mm

Kerb Weight

129 kg

Fuel Capacity

12 litres

Dimensions

2091 mm (L) x 811 mm (W) x 1125 mm (H)

Honda CB 500X motorcycle rental

Engine Type

liquid cooled parallel-twin four stroke

Displacement

470 cc

Bore X Stroke

67 mm x 66.8 mm

Ignition

PGMI – FI

Fuel System

fuel injection

Compression Ratio

10.7:1

Starter

electric

Gearbox

6-speed

Front Suspension

41 mm SFF-BP USD Forks

Rear Suspension

Prolink Mono with 5 stage pre load adjuster

Front Brakes

dual 296 mm discs with 4 piston calipers; ABS

Rear Brakes

240 mm disc; ABS

Front Tyres

110/80R19M/C (59H)

Rear Tyres

160/60R17M/C

Wheelbase

1445 mm

Seat Height

830 mm

Ground Clearance

180 mm

Kerb Weight

199 kg

Fuel Capacity

17.7 litres

Dimensions

2,155 mm (L) x 830 mm (W) x 1,410 mm (H)

Honda CRF 300 motorcycle rental

Engine Type

single cylinder, DOHC, liquid cooled

Displacement

286 cc

Bore X Stroke

76 mm x 63 mm

Ignition

Full Transistor Digital

Fuel System

PGM-FI electronic fuel injection

Compression Ratio

10.7:1

Starter

electric

Gearbox

5-speed

Front Suspension

43 mm telescopic upside down

Rear Suspension

Prolink Mono with 5 stage pre load adjuster

Front Brakes

256 mm disc, 2 piston caliper

Rear Brakes

220 mm disc, single piston caliper

Front Tyres

80/100 21

Rear Tyres

120/80 18

Wheelbase

1455 mm

Seat Height

880 mm

Ground Clearance

285 mm

Kerb Weight

142 kg

Fuel Capacity

7.8 litres

Dimensions

2230 mm (L) x 820 mm (W) x 1200 mm (H)

Daily

Total

Rider (XR 150)

$140

Rider (CRF 300)

$180

Rider (CB 500X)

$180

Pillion

$120

Damage Waiver

$20

Private Room

$40

Support Vehicle

$150

Tourist

One-Way

Expat

Pricing

N/A

N/A

Damage Waiver

$0/day

N/A

N/A

Security Deposit

N/A

N/A

Required Docs

passport

N/A

N/A

Mileage Limit

unlimited

N/A

N/A

Touring

N/A

N/A