Is it true that travel insurance comes with car insurance?

The insurance editor will help you answer your questions. For more questions, you can answer them online.

1. Domestic self-driving tours may or may not buy insurance. However, when traveling by self-driving, the driver’s familiarity with road conditions is much lower than that of daily driving, and the accident rate is higher; and the roads during travel are crowded. , may also increase the probability of vehicle scratches. In addition, if there is bad weather, there are risks such as landslides and lightning strikes during self-driving trips in the wild. In view of the above possible risks, citizens are best equipped with relevant insurance before traveling so that they can have a worry-free journey.

2. Purchasing steps/methods

1. The insurance period does not need to be long and the types of insurance do not need to be repeated

(1) It is understood that personal insurance for self-driving tours is mainly accidental Death, disability insurance and accidental medical insurance. Before choosing insurance, you should first check the insurance you have purchased in the past. Some commercial insurances have many items and may include travel and tourism-related insurance. If you have already purchased insurance for the relevant items, you do not need to purchase it again.

(2) Self-driving travel is generally a short-term travel, so you can purchase corresponding short-term travel insurance products. Insurance industry insiders suggest that the insurance period should be equal to or greater than the travel period. Generally speaking, the insurance period starts at midnight of the day. Just make sure that you are covered during the entire holiday. The extra time does not need to be too long.

2. Increase the scope of scratch insurance and pay attention to the coverage

(1) The biggest feature of self-driving travel is that you can travel with your car, so equip yourself with relevant insurance to protect your car naturally. essential. Industry insiders said that car owners generally have insurance for daily use of their vehicles, and self-driving trips are also covered by vehicle insurance. However, considering that there are generally no fixed parking places for self-driving tours, and vehicles are often parked in the wild or on the roadside, where they are prone to damage, it is best to add body scratch insurance.

(2) When purchasing travel car insurance, the most important thing to pay attention to is whether it includes protection for the safety of people and belongings on the car. Some car insurance has included people in the car (including the driver and passengers) within the scope of protection, but this It belongs to the car insurance part, which means that people can only receive compensation when an accident occurs in the car. Self-driving tours do not require the entire journey to be spent in the car, so additional personal insurance should also be provided. Many insurance companies have insurances for travel. For example, Ping An Insurance’s domestic travel accident insurance covers accidental death and disability, accidental medical treatment, emergency rescue, and loss of luggage and documents.

3. Set the insurance amount based on travel risks

(1) The insurance amount should be determined based on the activities you will participate in during the self-driving tour. If it is just outing, flower appreciation, picnic For activities with lower risks such as rock climbing, exploration, diving and other high-risk activities, the insurance amount needs to be increased with some emphasis. It is worth noting that the personal accident insurance of many insurance companies does not cover high-risk projects such as rock climbing, exploration, and diving. Citizens should carefully check the coverage before purchasing. Do not think that purchasing accident insurance will cover all accidents. . In addition, some travel insurance projects are relatively comprehensive and include a variety of insurances. There is no need to insure some projects if they are not needed. For example, many travel insurances will cover items such as ships and planes, but there is no need to equip these when traveling by car.

(2) To purchase insurance, you can go directly to the store to apply for insurance or fill out the policy online. "Although online insurance is convenient, it cannot answer questions in time, so it is recommended to choose to sign in person to protect your own interests." Citizens Signing in person can provide a more direct understanding of the coverage, and the insurance salesperson can design or adjust the insurance plan according to the customer's needs.

4. Sign a contract to agree on responsibilities before traveling by car

( 1) Regarding the legal disputes that may arise during self-driving tours, some lawyers said that they are generally disputes about traffic accidents that occur on the way, disputes over free rides, disputes over food, accommodation, route disputes, man-made accident disputes, accident disputes, Disputes over theft of vehicles and other items, etc.

(2) In this regard, it is best to sign a "Self-Driving Travel Contract" before traveling by car, clearly agreeing on the itinerary, tourist attractions, and what is included in the tour fee. Fees include bridge tolls, tolls, gas fees, accommodation venues, food and accommodation levels, attraction parking fees, insurance costs, and liability for free rides, etc.

(3) When purchasing relevant insurance, you should purchase different types of insurance appropriately according to your own situation, such as travel accident insurance, travel personal accident insurance, travel assistance insurance, travel assistance insurance, and personal insurance for accommodation guests.