What is the difference between operational and non operational insurance, and what is the difference

1. The premiums underwritten by the two insurances are different, and the vehicles are operated.

The attrition is higher, so its premiums are also higher;

2. In the event of a traffic accident, the claim amount is two to three times that of the non-operating vehicle because the value of the operating vehicle is higher;

3. Commercial vehicles need to go to the transportation management department to apply for a transportation permit, and non-commercial vehicles only need a driver's license.

4. The insurance cost of the operating vehicle is related to the nature and tonnage of the operation, while the non-operating cloud is related to the purchase fee and service life, and the above four points are the difference between the operation and non-operation insurance of the truck.

Extended information: Compulsory insurance for small trucks:

S shop purchase: When buying a car, the owner can directly purchase the compulsory traffic insurance of the car, and authorize the 4S store to help with the insurance, but need to pay a service fee.

2. Purchase at outlets: The owner should bring his ID card.

Materials such as driving licenses can be handled manually at the counter of the insurance company, and the details can be communicated face-to-face with the staff.

Pickup truck vehicle and vessel tax.

How much is it? 1.For the mantissa of the net tonnage of the vehicle is less than half a ton, it shall be calculated according to half a ton, and if it exceeds half a ton, it shall be calculated according to 1 ton;

2.The trailers of tractors engaged in transportation business are all according to trucks.

5% of the net tonnage to calculate the tax on the use of vehicles and vessels.

3.The trailer of a motor vehicle shall be calculated according to 50% of the tax amount of the truck;

4.For dual-purpose passenger and cargo vehicles, the vehicle and vessel tax shall be calculated and levied according to the taxable unit and tax amount standard of the cargo vehicle;

5.Regardless of the net tonnage or deadweight tonnage of the ship, its mantissa is not calculated if it is less than half a ton, and more than half a ton is calculated according to 1 ton;

6.Small vessels of less than 1 ton are all counted as 1 ton;

7.Tugboat. The standard of calculation can be calculated according to 5% of the net tonnage per horsepower;

8.Tugboats as well as non-motorized barges.

They are calculated at 50% of the motor vessel tax.

How to handle compulsory traffic insurance for small trucks:

1.Apply for insurance at the outlets of car insurance companies: If the car owner is close to the business outlets of the car insurance company, or want to be safe and reliable, you can go to the counters of the service outlets of major insurance companies to apply for compulsory traffic insurance.

2.You can go to the 4S shop.

Processing: For convenience, many new car owners will directly apply for compulsory traffic insurance when buying a vehicle in a 4S store, so that they don't have to worry about being fined on the road. However, the cost of this method is also higher.

3.You can apply online: With the development of online car insurance, more and more car owners have chosen to apply for compulsory traffic insurance online.

Some car owners prefer to go to the official website of the car insurance company to insure, while some car owners prefer third-party insurance** for insurance spine, but either one is more convenient and the premium is affordable.

There are three main differences. 1. The premiums are different, when calculating the premiums of operating insurance, the premiums are determined according to the situation of the operating vehicles, and the premiums of non-operating insurance are calculated according to the number of accidents of the vehicles in the previous year; 2. The nature is different, a road transport license is required for operating insurance, and a license is not required for non-operating insurance; 3. The claims are different, and the claim amount of the vehicle for operation insurance is higher than that for non-operation insurance vehicles.

Extended information: 1. Vehicle insurance, that is, motor vehicle insurance.

Abbreviated as car insurance, also known as car insurance. It refers to motor vehicles due to natural disasters.

or a kind of commercial insurance that is liable for personal ** or property damage caused by accidents.

2. Auto insurance is a kind of property insurance, in the field of property insurance, the lack of car insurance pants belongs to a relatively young type of insurance, which is due to the emergence and popularization of auto insurance and the emergence and development of automobiles.

3. At the same time, unlike modern motor vehicle insurance, in the early stage of automobile insurance, it is a third-party liability insurance for automobiles.

It is the main insurance, and gradually extends to the risk of collision loss of the car body.

4. A type of insurance widely carried out in China is an insurance that takes motor vehicles such as automobiles, trams, battery cars, motorcycles, and tractors as the subject of automobile insurance. Vehicle insurance can be divided into commercial insurance and compulsory traffic insurance. Commercial insurance includes two parts: vehicle main insurance and additional insurance.

5. The main insurance of commercial insurance includes vehicle loss insurance, third-party liability insurance, and vehicle personnel liability insurance.

Full car theft insurance. Motor Vehicle Damage Insurance.

It is an insurance that covers the insured vehicle to suffer from natural disasters or accidents within the scope of insurance, resulting in the loss of the insured vehicle itself, and the insurer will compensate in accordance with the provisions of the insurance contract.

6. In 1980, at the beginning of the recovery of China's insurance industry, the Chinese People's Insurance Company gradually and comprehensively resumed the automobile insurance business that had been interrupted for nearly 25 years, so as to meet the needs of domestic enterprises and units for automobile insurance, and to meet the objective needs of the rapid development of the transportation industry and the increasingly frequent accidents of the transportation industry.

7. However, at that time, auto insurance only accounted for the market share of property insurance.

of 2%. PICC Group.

At present, it has developed into a comprehensive insurance company, and the property insurance business still accounts for the majority in terms of scale premiums The Group's property insurance products are rich and cover different areas, among which the motor insurance business is the most important In terms of primary insurance premium income, the motor insurance business accounts for about 70% of the property insurance business.

OK. Types of car insurance include:

1.Compulsory traffic insurance, compulsory traffic insurance [full name motor vehicle traffic accident liability compulsory insurance] is the first compulsory insurance system implemented by national laws and regulations in China.

2.Scratch insurance, scratch insurance is vehicle scratch insurance, which is one of the additional insurances, mainly as a supplement to car damage insurance, which can provide effective protection for body scratches caused by accidents. Scratch insurance is aimed at scratches on the paint surface of the body, if the collision marks are obvious, there is a cut, and there is a big pit, this does not belong to the scratches, and belongs to the scope of car damage insurance.

After the self-regulation of the auto insurance industry last year, the commercial insurance rates of various insurance companies are basically the same.

The insurance rate of non-operating trucks is lower than that of commercial trucks, and the insurance company will also introduce some preferential policies on insurance costs according to whether it is insured in the previous year, not only when applying for compulsory traffic insurance, but also the premiums of commercial car insurance will be much discounted.

Answer: No, only commercial trucks can buy operating insurance. To put it simply, operational insurance is an insurance service provided for operating vehicles in the course of operation. We are all just, the car is divided into two kinds, one is a private car, and the other is a business vehicle, non-operating trucks can not buy insurance for business vehicles, can only buy compulsory traffic insurance, third-party liability insurance, vehicle personnel liability insurance and theft insurance.

To put it simply, it is to provide labor services for the society, and the commercial transport vehicles that generate cost settlement in the process of transportation can only purchase operating insurance after applying for the operating certificate. In other words, if your truck does not have an operating license, it is not a commercial vehicle, and it naturally does not meet the necessary conditions for purchasing operating insurance. However, for the sake of personal property safety, after purchasing a vehicle, you still need to buy insurance for the vehicle, and there are many types of insurance to choose from, so you can choose according to your own economic strength and needs.

No, only commercial trucks can purchase operating insurance. To put it simply, operational insurance is an insurance service provided for operating vehicles in the course of operation. We are all just, the car is divided into two kinds, one is a private car, and the other is a business vehicle, non-operating trucks can not buy insurance for business vehicles, can only buy compulsory traffic insurance, third-party liability insurance, vehicle personnel liability insurance and theft insurance.

To put it simply, it is to provide labor services for the society, and the commercial transport vehicles that generate cost settlement in the process of transportation can only purchase operating insurance after applying for the operating certificate. In other words, if your truck does not have an operating license, it is not a commercial vehicle, and it naturally does not meet the necessary conditions for purchasing operating insurance. However, for the sake of personal property safety, after purchasing a vehicle, you still need to buy insurance for the vehicle, and there are many types of insurance to choose from, so you can choose according to your own economic strength and needs.

Summary. Non-commercial vehicles are vehicles that are not for profit, and the insurance purchased will be purchased in the nature of non-operating vehicles, so as to effectively ensure that the insurance of the vehicle is valid, and can the operating car buy non-operating insurance?

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Non-commercial vehicles are not eligible for operating insurance.

From the definition, it can be seen that the two are not equal and mismatched, the use and nature of the vehicle is not the same, the non-operating vehicle is not for the purpose of profit, in the purchase of insurance will be the nature of the non-operating vehicle into the purchase of Lingyouxing insurance, in order to effectively ensure that the insurance of the vehicle is effective, otherwise the accident will not be compensated.