As explained above, a civil liability insurance is compulsory for all motorized vehicles before getting registered with the local authorities as well as wearing a driving plate officially. And this civil liability insurance is designed to protect motorcycle’s owners only who must have Vietnamese motorbike driving license appropriately. Mostly there are only Vietnamese people or foreigners who have business visa over 6 months living & working in Vietnam as experts or diplomatic officials being able to grab such a Vietnamese driving license. And for those who are regular tourists, possessing a Vietnamese driving license is an IMPOSSIBLE mission.
Insurance benefits: Subject to the terms and conditions of the policy, the owners will be compensated amounts paid to third parties including:
• In case of loss of life or injury: Medical treatment and recovery expenses, loss or reduction of actual income, caring of the victim before death, reasonable burial costs in accordance with the extent of the vehicle owner’s fault.
• In case of property damage: Any actual damage repair costs in accordance with the degree of the vehicle owner’s fault.
• Any other expenses necessarily and reasonably incurred by the vehicle owner to prevent and mitigate losses related to the accident.
Following those explanations above, if you’re regular tourists and riding motorcycles in Vietnam then unfortunately getting crashed by yourself or hitting someone else, this civil liability insurance does not mean anything yet but you must be responsible for what you cause or compensate for damages / injuries happening to others.
