What is the difference in insurance costs between 5-seater and 7-seater vehicles?
1 Answers
The differences in insurance costs between 5-seater and 7-seater vehicles are as follows: 1. Different compulsory traffic insurance: Compulsory traffic insurance and passenger liability insurance are calculated based on the number of seats in the vehicle. For family cars, those with 6 seats or fewer have lower annual insurance premiums than those with more than 6 seats. 2. Different seat insurance: Seat insurance, also known as passenger liability insurance, costs more for 7-seater vehicles as they have 2 additional seats compared to 5-seater vehicles. Below are other differences between 5-seater and 7-seater vehicles: 1. Annual inspection frequency: For 5-seater vehicles within 6 years, inspections are required every two years without the need for an on-site inspection. In many regions, this can be done directly through the official transportation department app, eliminating the need to visit the vehicle management office. For 7-seater vehicles within 6 years, inspections are also required every two years, but an on-site inspection is necessary. For vehicles older than 6 years, regardless of whether they are 5-seater or 7-seater, an annual on-site inspection is required. 2. Vehicle body marking: Enforcement varies by region. Generally, if the vehicle is not used for commercial purposes, even 7-seater vehicles do not need to have markings such as 'Approved capacity: 7 persons' on the body. However, in some areas where private vehicles are often used for commercial purposes, for the sake of unified management, such markings may be required during annual inspections.
