Hanoi Truck Owner’s Guide to Compulsory TNDS Insurance 2023

LONG

09/02/2025

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Anh Tuan, a small truck owner operating in Hanoi’s Cau Giay district, recently faced a hefty fine for lacking compulsory TNDS insurance. He admitted to assuming his small truck, rarely used on national highways, didn’t require it. This incident highlighted the importance of TNDS insurance for all vehicle owners.

What is TNDS car insurance? How are TNDS premiums calculated, and why is it crucial? Let’s delve into the details with HANOI TRUCKS.

Car with TNDS insurance policy

TNDS Car Insurance – Essential Protection for Every Vehicle Owner

What is TNDS car insurance?

Compulsory Motor Vehicle Liability Insurance (TNDS) is mandatory for all motor vehicle owners in Vietnam, as stipulated by the Law on Compulsory Civil Liability Insurance for Motor Vehicles. TNDS insurance covers third-party bodily injury and property damage caused by the insured vehicle in an accident.

Why is TNDS car insurance necessary?

Legal Requirement: All car owners in Vietnam are legally obligated to have TNDS insurance. Failure to comply results in fines ranging from 400,000 to 600,000 VND for cars and 600,000 to 800,000 VND for trucks.
Financial Protection: In the event of an accident, TNDS insurance covers third-party liabilities, mitigating financial burdens.
Peace of Mind: Having this protection allows drivers to focus on road safety with peace of mind.

Traffic accident scene

TNDS Car Insurance Premiums – What You Need to Know

Factors Affecting TNDS Car Insurance Premiums

TNDS insurance premiums are calculated based on various factors, including:

Vehicle Type: Passenger cars, cargo trucks, vans, buses, etc.
Seating Capacity/Payload: Higher seating capacity or payload translates to higher premiums.
Vehicle Usage: Commercial transportation, personal use, etc.
Geographic Location: Urban areas typically have higher premiums than rural areas.
Driving History: A safe driving record may qualify for premium discounts.

Latest TNDS Car Insurance Premium Rates for 2023

Vehicle Type	Seating Capacity/Payload	Premium (VND/year)
Car	Under 6 seats	480,000 – 560,000
Pickup Truck	Under 7 seats	507,000 – 594,000
Truck	Under 2.5 tons	883,000 – 1.034,000
Truck	2.5 tons to under 3.5 tons	980,000 – 1.148,000
Bus	10 to under 16 seats	1,225,000 – 1.435,000
Bus	16 to under 30 seats	1,633,000 – 1.911,000

Note:

These rates are for reference only and may vary depending on the insurance provider and the time of purchase.
For accurate premium calculations, contact reputable insurance companies directly.

Frequently Asked Questions

1. Where can I buy reputable TNDS car insurance?

You can purchase TNDS insurance from reputable providers such as PVI Insurance, Bao Viet Insurance, PTI Insurance… or contact HANOI TRUCKS for convenient assistance and advice.

2. What is the procedure for purchasing TNDS car insurance?

Simply provide your vehicle registration and ID card/citizen identification to the insurance provider.

3. What should I do to receive an insurance claim after an accident?

Immediately report the accident to the nearest police station and notify your insurance company within 24 hours for guidance.

HANOI TRUCKS – Your Trusted Partner for All Your Trucking Needs

HANOI TRUCKS is a leading provider of trucks and vans in Hanoi. We are committed to offering quality products, professional services, and competitive prices.

Furthermore, HANOI TRUCKS partners with reputable insurance companies to facilitate convenient TNDS insurance purchases.

Contact HANOI TRUCKS at 0987.654.321 or visit our website xetaihanoi.edu.vn for 24/7 support and consultation.

Conclusion

TNDS car insurance is mandatory and offers numerous benefits. We hope this article provides valuable insights into TNDS car insurance premiums. Be a responsible driver and ensure your vehicle is adequately insured.