What is the difference between third party insurance operations and non operations?

Mainly the difference in the calculation of premiums, commercial third-party liability insurance refers to the accident that occurs in the process of using the insured vehicle by the qualified driver allowed by the insured, resulting in the direct loss of personal ** or property to the third party, and the compensation amount that should be paid by the insured according to the law, the insurer will compensate in accordance with the relevant provisions of the insurance contract.

The main difference in the premium of third party liability insurance between commercial vehicles and non-commercial vehicles is that:

In terms of commercial vehicle insurance costs, the cost of operating vehicles should be calculated in combination with the nature of its operation, approved tonnage and service life, and it is still based on commercial vehicle insurance for trucks as an example, the default is that trucks are new cars, and the third-party liability insurance with an insurance amount of 150,000 yuan below 2 tons requires 2,363 yuan, and if a 2-5 ton truck is insured, the premium needs to be 3,804 yuan, and if a truck is insured with 5-10 tons, the premium needs to be 4,367 yuan. In conclusion, the higher the tonnage, the higher the premium.

If you buy car insurance for non-commercial vehicles, the calculation of insurance costs will be different, taking compulsory traffic insurance as an example, when a five-seater private car is insured with compulsory traffic insurance in the first year, the premium is fixed at 950 yuan, and if there is no insurance in the second year, the premium will drop. In other words, the premium for the purchase of compulsory traffic insurance for non-commercial vehicles is related to the previous year's motor insurance claim records.

In terms of the calculation rules of commercial auto insurance, the insurance premium of non-commercial vehicles is generally based on the age of the vehicle and the purchase of the vehicle**, if the car insurance is purchased in the second year, the premium is also directly linked to the claim record of the previous year, the smaller the claim record, the lower the premium, and the excessive number of claims will lead to the increase in the premium of the car insurance in the second year.

The nature of the use of commercial vehicles is different from that of non-commercial vehicles;

There is a difference between the insurance purchased by the two, and the insurance rate of commercial vehicles is significantly higher than that of non-commercial vehicles;

Even if you purchase insurance for a commercial vehicle as a non-commercial vehicle through operation, it will be very difficult to make a claim once the insurance is out of business, or even not get a claim.

1. Premiums are different.

In terms of the cost of commercial vehicle insurance, the cost of commercial vehicles should be calculated based on the nature of its operation, the approved tonnage and the service life, and the higher the tonnage, the higher the premium.

If a non-commercial vehicle purchases car insurance, the insurance cost calculation method will be different, and the premium for the purchase of compulsory traffic insurance for non-commercial vehicles is related to the previous year's car insurance claim record.

In terms of the calculation rules of commercial auto insurance, the insurance premium of non-commercial vehicles is generally based on the age of the vehicle and the purchase of the vehicle**, if the car insurance is purchased in the second year, the premium is also directly linked to the claim record of the previous year, the smaller the claim record, the lower the premium, and the excessive number of claims will lead to the increase in the premium of the car insurance in the second year.

2. Claims are different.

The difference in the calculation of premiums, commercial third-party liability insurance refers to the accident that occurs in the process of using the insured vehicle by the qualified driver allowed by the insured, resulting in the direct loss of personal ** or property to the third party, and the compensation amount that should be paid by the insured in accordance with the law, and the insurer will compensate in accordance with the relevant provisions of the insurance contract.

Question: My driving is a non-operating insurance on freight, if there is an accident, what are the differences and disadvantages?

The answer is that if you buy a non-operating compulsory traffic insurance, if the vehicle management office is fine, the insurance company will also have to pay for the accident, because there is no provision in the compulsory traffic insurance clause. However, it is difficult to say that it is difficult to say if you buy non-operating commercial insurance, and it is stipulated in the terms of commercial insurance that "the nature of the use of the vehicle at the time ---of insurance is inconsistent with that of the insurance, and it is an exclusion", that is, once the insurance company is out of insurance, the insurance company's refusal to pay is justified, and you can't say it when you are dumb and suffer from Coptis chinensis.

Freight is generally operational.

If your vehicle is operated but purchased as a non-operating vehicle, and you do not fulfill the obligation to tell the truth before taking out the insurance, the actual premium you pay is much lower than the premium standard that should be paid. The insurance company is not liable for accidents that occur in the event of a discrepancy in the nature of the actual use.

Didn't you choose it yourself.

The difference between insurance operation and non-operation is as follows, the difference in premiums, and the calculation of premiums for operating insurance will be based on the operating vehicle.

The premium for non-operating insurance will be calculated based on the number of occurrences of the vehicle in the previous year; The nature is different, and a road transport license is required to apply for operating insurance.

Moreover, this type of vehicle is of a profit-making nature, and the non-operating insurance does not require a license to be promoted, and it is also not profit-making; The difference in claims is that the amount of compensation for vehicles that handle the operation insurance basis is higher.

If the insurance premium is applied for car insurance in the second year, the premium is also directly linked to the claim record of the previous year, the fewer the claim record, the lower the premium, and the number of claims will lead to the increase in the premium of the car insurance in the second year. Non-commercial vehicles refer to vehicles engaged in non-commercial transportation. There is no charge for the service.

Due to the different calculation rules, the difference between the insurance premium of commercial vehicles and non-commercial vehicles has always existed, which is also an important factor in the existence of many black cars. So how much difference is there between commercial vehicles and non-commercial vehicles when they are insured? If it is compulsory traffic insurance, there is a price difference of about a few hundred yuan, and commercial auto insurance depends on the situation.

Taking the compulsory traffic insurance as an example, the difference in the insurance premium of the commercial vehicle and the non-commercial vehicle is obvious, the premium is usually fixed at 950 yuan per year for the new car of the operation of the compulsory insurance, and the purchase of the business vehicle is based on the tonnage, taking the truck below 2 tons as an example, the premium of the compulsory traffic insurance is about 1800 yuan, and the difference between the two is 850 yuan. Moreover, the higher the tonnage of commercial vehicles, the higher the premium for compulsory traffic insurance, in short, the cost of purchasing automobile insurance for commercial vehicles will be higher than that for non-commercial vehicles.

Assuming that the insured amount of the third-party insurance is 150,000 yuan, the premium for trucks under two tons is 2,363 yuan, and the premium for trucks over 10 tons is 5,983 yuan.

There will be a certain difference in the premium of operating insurance and non-operating insurance when applying for insurance, and the premium of a vehicle engaged in operation will be determined according to the nature of its operation, the approved tonnage and the service life when calculating the premium. The premium for non-operating insurance is generally related to the number of claims made in the previous year.

The difference between operating insurance and non-operating insurance is also different in nature, where the object of operating insurance is engaged in soliciting after the transportation management department has applied for a road transport license, and the purpose is of a profit-making nature; Non-operating insurance does not require a road transport permit.

In the event of a traffic accident, the amount of compensation for the commercial vehicle is usually 2-3 times higher than that for the non-commercial vehicle, due to the different value of the vehicle. It should be noted that after a traffic accident, it is necessary to call the police in time.

Users can compare different insurance companies when purchasing Xiyingwu insurance, and generally different insurance companies need different premiums for the same type of insurance policy. Users generally choose well-known companies when choosing, and such insurance companies have more service outlets, which is conducive to subsequent claims.

There are quite a lot of differences.

Summary. Dear, we're answering your <>

What is the difference between operating insurance and non-operating insurance, the difference is that the different rules of calculation of insurance premiums for commercial vehicles and non-commercial vehicles directly lead to the difference in the later claim regulations, first, the insurance claims of commercial vehicles do not include the risks of fire, **, spontaneous combustion and other risks in the non-commercial vehicle insurance; Second, the amount of insurance claims for commercial vehicles is directly linked to the number of claims, while non-commercial vehicles are not affected by this. <>

What is the difference between operational insurance and non-operational insurance.

Dear, we're answering your <>

What is the difference between operating insurance and non-operating insurance, dear, the difference is that the difference in the calculation of the insurance premium of the operating vehicle and the non-operating vehicle directly leads to the difference in the later claim regulations, first, the insurance claim of the operating vehicle does not include the risk of fire, **, spontaneous combustion and other risks in the non-commercial vehicle insurance; Second, the amount of insurance claims for commercial vehicles is directly linked to the number of claims, while non-commercial vehicles are not affected by this. <>

The first is that the claims conditions for commercial vehicles are more stringent, and the scope of claims does not include the fire, spontaneous combustion and other financial risks that can be claimed by commercial vehicles, this is because non-commercial vehicles often need to carry a lot of dangerous items, which can make fire, **, spontaneous combustion and other accidents occur on the way, resulting in losses, therefore, it has naturally become the scope of insurance companies' refusal. <>