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Insurance on car/bike but no license?
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traxxe



Joined: 21 Feb 2007

PostPosted: Tue Apr 15, 2008 3:25 am    Post subject: Insurance on car/bike but no license? Reply with quote

Okay, so I need to get a car or a motorcycle this week but I don't have my Korean driver license. I'm waiting and applying for my replacement U.S. license this week. I had lost the original in my recent move.

So once I get the U.S. license in about two months I'll do everything to get a Korean license.

Can I still get insured? I'd hate to not be insured in Korea. I'm just buying a cheap car or a 125 cc bike. I understand if something happens without a license I'll be fined regardless of fault. Due to circumstances though I need to be getting myself to work on my own.
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Cheonmunka



Joined: 04 Jun 2004

PostPosted: Tue Apr 15, 2008 2:51 pm    Post subject: Reply with quote

Please buy a car - I keep hearing of and seeing old photos of expats who were alive the last few years and are now not because of their motorbike. Just buy a cheap car.
I don't know about insurance, personally I don't have it, though I wish I did - the car I (often) drive is unregistered belonging to my BIL.
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Lostone7



Joined: 08 Jun 2006
Location: SE Asia

PostPosted: Tue Apr 15, 2008 3:51 pm    Post subject: Reply with quote

They wont ask for a license to get it registered or Insured.
Get a insurnce salemen he will do ALL the paperwork for both.

and a 125 CC needs niether.

good luck

you need more help PM
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Imrahil



Joined: 04 Feb 2008
Location: On the other side of the world.

PostPosted: Tue Apr 15, 2008 8:24 pm    Post subject: Reply with quote

Do you have health insurance from your employer? 'cause you are going to need it.
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Underwaterbob



Joined: 08 Jan 2005
Location: In Cognito

PostPosted: Tue Apr 15, 2008 8:29 pm    Post subject: Reply with quote

Bah, ignore the naysayers. I burned around on a 90cc for two years and felt safer than when I was walking. I live in a pretty small city though. I only stopped cause it was stolen and never bought a new one because I had recently acquired a girlfriend with a car and am still with her. With the nice weather lately I'm thinking about buying another one though. Scooter, not girlfriend, that is.
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Imrahil



Joined: 04 Feb 2008
Location: On the other side of the world.

PostPosted: Tue Apr 15, 2008 9:04 pm    Post subject: Reply with quote

I don't mean my post as an insult to the op. It is everybody else that drives on these roads that would worry me, if I was him.
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traxxe



Joined: 21 Feb 2007

PostPosted: Tue Apr 15, 2008 9:48 pm    Post subject: Reply with quote

I don't live in Seoul. I live on the edge of Suwon and there are no major roadways to worry about on my way to work.
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Imrahil



Joined: 04 Feb 2008
Location: On the other side of the world.

PostPosted: Tue Apr 15, 2008 9:51 pm    Post subject: Reply with quote

But do you have health insurance? I mean the actual book they give you when both you and your boss are paying into it? I wouldn't drive any vechicle in this country without it. No matter how good of a driver you are.
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traxxe



Joined: 21 Feb 2007

PostPosted: Tue Apr 15, 2008 9:57 pm    Post subject: Reply with quote

Yes, I have health insurance. I work at a University.
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PeterDragon



Joined: 15 Feb 2007

PostPosted: Tue Apr 15, 2008 10:09 pm    Post subject: Reply with quote

Lostone7 wrote:


and a 125 CC needs niether.



I got pulled over on a 125cc last year, and a Korean cop told me otherwise. He told me to go straight home and not ride again til I got a license. He didn't comment at all that I was riding on the sidewalk and had no license plate though.


I would caution the OP that riding a motorcycle anywhere in Korea is extremely dangerous. Brace yourself for it, don't assume it'll be anything like riding back home. If possible get a more experienced K-rider to train you in. I'm glad I did.
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Imrahil



Joined: 04 Feb 2008
Location: On the other side of the world.

PostPosted: Wed Apr 16, 2008 12:59 am    Post subject: Reply with quote

Posted: Tue Apr 15, 2008 9:57 pm Post subject:

--------------------------------------------------------------------------------

Yes, I have health insurance. I work at a University



Good then drive away, I wish you the best of luck.
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diggler



Joined: 15 Mar 2007
Location: on way to amarillo

PostPosted: Wed Apr 16, 2008 1:49 am    Post subject: Reply with quote

"They wont ask for a license to get it registered or Insured.
Get a insurnce salemen he will do ALL the paperwork for both.

and a 125 CC needs niether. "

not trying to be a 'know it all' but the fella who sold me my bike got fined over a hundred at the dong samso (office) when we were changing the ownership over. its a magma and he'd missed the last months insurance whilst it was sat there waiting to be sold. he thought that as long as he didnt get caught riding it then they wouldn't find out he wasn't insured. its a 125 magma btw.

which brings me to my question. having had the bike for 3 years now (and never being stopped) i missed the middle years insurance. i reinsured it last december but when i come to sell it and change over the ownership will i be hit with a years worth of no insurance fines? and before anyone says it - i know i should have and did know better!
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Bibbitybop



Joined: 22 Feb 2006
Location: Seoul

PostPosted: Wed Apr 16, 2008 3:11 am    Post subject: Reply with quote

You need to have a valid car drivers license (Korean, or International coupled with a valid home license) to drive a motorcycle 125cc and below. Above that requires a motorcycle endorsement.

You do need a license plate on a 125cc bike. I know that, and I'm pretty sure anything above a 50cc needs a plate.

As for insurance, you are supposed to have insurance to get the license plate on a bike. Maybe some connected insurance men (bike shops can do it, too) can get you around that necessity.

Insurance is very different in Korea. Even if you aren't at fault, you will be held liable for a percentage of the damage to another person's vehicle. My insurance, which covers the other vehicle but not my bike, was 144,000 won for the year. It's worth it for legal and money reasons.

Read more about this in the "Official motorcycle/scooter thread" in the off topics forum. It's long, but worth reading if you are going to ride the ROK.
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Join Me



Joined: 14 Jan 2008

PostPosted: Wed Apr 16, 2008 5:37 am    Post subject: Reply with quote

I would advise against operating anything other than a bicycle in Korea without a proper license. Insurance companies do not pay out when you are involved in an illegal activity and driving without the correct license is against the law.

Many people operate cars and motorcycles in Korea without insurance or the proper licenses. People do the same in your country. Fools.

If you are still considering riding a motorcycle in Korea without a proper license or insurance, you may want to search for the thread on the English teacher that recently died in an apartment fire in Korea. He also had no insurance and you can read about the hell you will be putting your family through should something happen to you. Not to mention the hell you will put another innocent family through if you get in an accident with a Korean and your insurance decides they don't want to cover the accident because you were breaking the law by driving without a proper license.
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eddie1983man



Joined: 31 May 2007

PostPosted: Wed Apr 16, 2008 9:45 am    Post subject: Reply with quote

PeterDragon wrote:
Lostone7 wrote:


and a 125 CC needs niether.



I got pulled over on a 125cc last year, and a Korean cop told me otherwise. He told me to go straight home and not ride again til I got a license. He didn't comment at all that I was riding on the sidewalk and had no license plate though.


I would caution the OP that riding a motorcycle anywhere in Korea is extremely dangerous. Brace yourself for it, don't assume it'll be anything like riding back home. If possible get a more experienced K-rider to train you in. I'm glad I did.


yes, lostone7 has been misinformed.
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