Can Non-Operational Vehicles Purchase Operational Insurance?
2 Answers
Non-operational vehicles cannot purchase operational insurance; only operational trucks are eligible for operational insurance. Simply put, operational insurance provides coverage for vehicles during their operational activities. Vehicles are categorized into two types: private passenger vehicles and operational vehicles. Non-operational trucks cannot purchase insurance for operational vehicles and are limited to compulsory traffic insurance, third-party liability insurance, passenger liability insurance, and theft insurance. Compulsory Traffic Insurance: This is a mandatory insurance required by law. Failure to purchase it may result in fines if caught by traffic police. The coverage is limited and primarily benefits others, not the insured vehicle itself. Third-Party Liability Insurance: This covers compensation for third-party bodily injury or death caused by the vehicle owner. It is essential for both the owner's and others' protection. Vehicle Damage Insurance: This covers losses to the vehicle itself due to natural disasters or accidents. It is recommended for new drivers. No-Deductible Insurance: An additional insurance that transfers the owner's liability to the insurance company, reducing the owner's losses. It is advisable to purchase this if both vehicle damage insurance and third-party liability insurance are already in place.
I have personal experience with this. Last time, I wanted to register my private car on a ride-hailing platform, so I specifically consulted my insurance company. They said that theoretically, it's possible for a non-commercial vehicle to purchase commercial insurance, but it's difficult in practice because insurance companies check the vehicle's usage. If you conceal the facts when applying for insurance, the insurer will retrieve GPS data in case of a claim. If they find ride-hailing records, they will directly deny the claim. A friend of mine suffered a big loss, paying over 30,000 yuan out of pocket for car repairs. Later, I learned that commercial insurance premiums are about 20% higher and also require mandatory passenger accident insurance. It's really not worth the hassle for everyday family use. It's better to honestly buy private car insurance and avoid big trouble for the sake of saving small money.
