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Can Non-Operational Vehicles Purchase Operational Insurance?

1 Answers

DeMaximus

07/30/25 9:47am

Non-operational vehicles cannot purchase operational vehicle insurance. Below is an introduction to the relevant content about operational vehicles: 1. Operational and Non-Operational Vehicles: Road transport is divided into commercial and non-commercial types. Commercial transport refers to road transport that provides services to society and involves various forms of cost settlement; non-commercial transport refers to road transport that serves the production and daily life of the unit itself and does not involve cost settlement. 2. Types of Operational Vehicle Insurance: The types of vehicle insurance generally include compulsory traffic insurance, vehicle damage insurance, third-party liability insurance, no-deductible insurance, theft insurance, onboard liability insurance, scratch insurance, and spontaneous combustion insurance. Different types of insurance cover different scopes. When purchasing vehicle insurance, compulsory traffic insurance must be renewed annually. Scratch insurance and spontaneous combustion insurance are not commonly purchased by many people. Novices driving usually opt for scratch insurance to avoid certain losses caused by vehicle scratches; spontaneous combustion insurance is generally purchased based on one's driving environment, as the probability of a car spontaneously combusting is very low.

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