How to Fill in Vehicle Usage?
3 Answers
There are four-axle vehicles, six-axle vehicles, eight-axle vehicles, etc. The more axles there are, the more wheels there are, and the greater the load capacity. For example, trucks have different load capacities such as 50 tons, 60 tons, 75 tons, 90 tons, etc.
When filling out the vehicle usage section, I remember it's mainly based on daily driving habits. I've been driving this small car for nearly ten years, mostly for commuting to work and occasionally taking family trips on weekends, so I always select "Private Non-commercial Use." The key is to truthfully reflect your actual usage—for example, if it's not used for any commercial activities, don't randomly check other options. Don’t assume choosing "Non-commercial" saves money; insurance companies review historical records. If a mismatch is found during a claim, compensation could be denied. Additionally, some forms may break it down further, like "Household Use" or "Personal Transportation," so adjust based on mileage and frequency. Asking the mechanic during routine maintenance is also a good idea, as usage directly affects wear and tear.
I encountered this issue right after buying a new car - the purpose field is super straightforward! If you're like me and purely using it for personal reasons, like weekend drives or shopping, just tick "Private Use". But if you're doing ride-sharing or deliveries on the side, you must honestly select "Commercial Use", otherwise you'll run into problems during registration. Don't underestimate this option - it affects your insurance costs. Being truthful can actually save you some money on premiums. I personally chose "Personal Commuting" which makes annual inspections simpler. Talk about your actual usage habits - don't let the form trip you up.
