Does Vehicle and Vessel Tax Include Water Wading Insurance?

[DelWeston]

Vehicle and Vessel Tax does not include Water Wading Insurance. Here are the specific details: Introduction to Vehicle and Vessel Tax: Vehicle and Vessel Tax is a type of tax levied on the ownership of vehicles and vessels (including cars and ships) by units and individuals. It is a local tax, determined based on the specific management measures of local tax authorities in accordance with the "Vehicle and Vessel Tax Law of the People's Republic of China" and other regulations. Introduction to Water Wading Insurance: Water Wading Insurance is a newly derived type of auto insurance, primarily referring to an additional insurance purchased by car owners for their engines. It mainly provides compensation for engine damage caused by driving through waterlogged roads or being submerged in water. However, if the car owner forcibly starts the engine after being submerged, resulting in damage, the insurance company will not provide compensation.

[StMalia]

Vehicle and vessel tax and water damage insurance are completely different things. I understood this from the moment I drove my first car. The vehicle and vessel tax is an annual tax collected by the government, calculated based on engine displacement, and paid to the tax bureau. Its uses include road maintenance and the like, and it absolutely does not cover any insurance content. Water damage insurance is an add-on to car insurance, specifically covering repair costs when a car is flooded, and must be purchased separately from the insurance company. Many beginners confuse the two, thinking that paying the tax covers everything, but if the car really gets flooded and there's no insurance, you'll have to pay for repairs out of pocket, which can be a huge loss. I've driven in southern cities for many years where flooding during the rainy season is common. A buddy of mine didn't buy this insurance and ended up spending nearly ten thousand on repairs. I recommend actively adding water damage insurance when buying car insurance—it doesn't cost much and can save a lot of hassle in critical moments. Also, always be careful not to force your way through flooded areas; safety comes first.

[LeAnna]

From experience, the vehicle and vessel tax is purely a tax, while the water damage insurance is part of the insurance coverage, and the two do not overlap at all. The tax is mandatory—whether you drive or not, you must pay it on time every year. Insurance, on the other hand, is optional, and you can decide whether to purchase it based on your needs. Having driven for ten years, I’ve seen similar issues where many car owners mistakenly believe the tax includes insurance, only to regret it after an incident. The key point is that water damage insurance specifically covers losses from water-related hazards, such as engine flooding repairs—how could the vehicle and vessel tax handle that? Taxes are only for revenue collection and road maintenance, while insurance provides actual protection. To save money and stay worry-free, after paying the tax, promptly check if your insurance policy covers water damage. Don’t wait until it rains and something goes wrong. Also, pay attention to local flood risks—it’s wiser to add coverage in high-risk areas.

[Sandy]

Simply put, vehicle and vessel tax does not include water submersion insurance. The tax is an annual fee levied by the state for public welfare purposes such as road and bridge maintenance; insurance is an optional service provided by insurance companies to cover losses from water-related accidents. These two operate independently without overlap. Don't confuse them.

[StOmar]

Don't overlook insurance when handling vehicle and vessel tax. The tax is a fixed expense, while flood insurance requires additional purchase and is highly recommended in flood-prone areas. Based on experienced drivers' advice, prioritize paying the tax first and then purchasing insurance, which saves money and brings peace of mind.