【中文版】

车辆损失险是指保险车辆遭受保险责任范围内的自然灾害（不包括地震）或意外事故，造成保险车辆本身损失，保险人依据保险合同的规定给予赔偿的保险。它与第三者责任险共同构成了车辆保险的基本内容。

车辆损失险的保险对象是车辆损失，其承保的风险是被保险人因自然灾害、意外事故或碰撞、倾覆等原因造成的车辆损失。在保险事故发生时，被保险人可以获得相应的赔偿。

车辆损失险的赔偿范围包括车辆本身的损失，如碰撞、倾覆、火灾、雷击、暴风、暴雨、泥石流、滑坡等自然灾害和意外事故造成的车辆损失。此外，如果被保险人在车辆损失险的基础上附加了盗抢险、玻璃单独破碎险、车身划痕损失险等扩展条款，还可以获得相应的赔偿。

车辆损失险的保费是根据车辆的价值和风险程度来确定的。一般来说，新车和豪华车的保费会相对较高，而旧车和普通车的保费会相对较低。此外，如果被保险人能够提供相关的安全记录和信用记录等证明材料，保费也可能会有所优惠。

总之，车辆损失险是一种保障车辆损失的保险产品，被保险人可以通过购买车辆损失险来获得相应的赔偿，从而减少因自然灾害或意外事故造成的经济损失。

【英文版】

Vehicle damage insurance refers to an insurance policy that covers the vehicle's damage caused by natural disasters (excluding earthquakes) or accidents within the insurance liability scope. It is a basic component of vehicle insurance together with third-party liability insurance.

The insurance object of vehicle damage insurance is vehicle damage, and the risk it undertakes is the vehicle damage caused by natural disasters, accidents, collisions, overturns, etc. When the insured event occurs, the policyholder can obtain corresponding compensation.

The compensation scope of vehicle damage insurance includes the loss of the vehicle itself, such as vehicle damage caused by collisions, overturns, fires, lightning strikes, storms, floods, landslides, etc. Natural disasters and accidents. In addition, if the policyholder adds extended clauses such as theft insurance,单独破碎 glass insurance, and paint scratch loss insurance based on vehicle damage insurance, they can also obtain corresponding compensation.

The premium for vehicle damage insurance is determined based on the value and risk level of the vehicle. Generally speaking, the premium for new cars and luxury cars will be relatively high, while the premium for used cars and ordinary cars will be relatively low. In addition, if the policyholder can provide relevant proof materials such as safety records and credit records, the premium may also be discounted.

In summary, vehicle damage insurance is an insurance product that protects against vehicle damage. Policyholders can obtain corresponding compensation by purchasing vehicle damage insurance to reduce economic losses caused by natural disasters or accidents.