What does travel car rental insurance mean?

With the popularity of car rental, more and more young people who have driver's licenses but haven't bought a car will choose this way to travel. Driving by car during holidays does bring more freedom, but it also hides many unexpected risks. Therefore, when renting a car, it is necessary to buy travel insurance to ensure the safety of people and cars. So what should I buy for car rental travel insurance?

what should I buy for car rental travel insurance

vehicle loss insurance: it is used to compensate for my own car repair, which is divided into partial loss and total loss. When the sum of the one-time compensation amount and the deductible amount (excluding the rescue fee) for partial loss of the insured vehicle is equal to the insured amount, or when all the insured vehicles are lost, the liability for vehicle loss insurance is terminated after the insurer pays the compensation; After the third party liability accident compensation, regardless of whether the compensation for each accident reaches the insurance compensation limit, the insurance liability will continue to be valid until the insurance expires; If the compulsory insurance is insured at the same time as the three risks, the compulsory insurance will be paid before the three risks.

the compulsory insurance and the three-risk insurance are used to repair cars and damage things for each other, as well as the cost of hitting people to see a doctor. Pay for the strong insurance first, and pay for the insufficient three risks. There is a compensation limit for the three risks, that is, the maximum compensation limit for the insurer. The maximum compensation limit for each accident of the three insurances is generally determined by the insured according to different vehicle types. The maximum compensation limits of all kinds of vehicles are divided according to the grades of 5, yuan, 1, yuan, 15, yuan, 2, yuan, 3, yuan, 5, yuan and 1 million yuan. Then the part that exceeds the limit will be paid by the renter.

There are many other types of insurance besides the specified car rental price, which must be insured by the car renter himself:

On-board personnel liability insurance: if you buy it, the insurer shall be responsible for the damages that should be borne by the insured in accordance with the provisions of this insurance contract when an accident causes personal injury or death to the people on the insured vehicle.

the whole vehicle theft rescue: the focus is on the whole vehicle, so if only one part of the vehicle is stolen, it will not be within its jurisdiction.

risk of wading loss: when the vehicle is wading, the engine is flooded, and the cost of repairing the engine at this time will be compensated. But it does not include the loss caused by forcibly starting the engine while the car has stalled in the water.

separate glass breakage insurance: the vehicle insured with separate glass breakage insurance has separate glass breakage during driving, but the broken lamps and mirrors are not covered by the compensation.

Precautions for renting a car

1. Model selection

The choice of model is very important, which will directly determine the fun of your self-driving trip. AXA Tianping suggested: You can choose the most suitable model according to your own budget, itinerary and number of people. If two people travel, you can rent a compact car or a medium-sized SUV, which is economical and practical; If there are four people, it is recommended to rent a standard SUV; In sunny days and warm seasons, you can try a convertible; If it is a multi-person business trip, a seven-seat business van and a five-seat station wagon that can hold a lot of luggage are very suitable choices.

2. Necessary equipment carrying

GPS navigator is a necessary tool. Generally, GPS navigator has multi-language support and Bluetooth support, which is convenient for vehicle or pedestrian navigation. It is easy to use and can provide suggested route planning, voice prompts and image prompts. Child seat. In the United States and many European countries, children or babies are required by law to have seats for children or babies. Local map. Even with a GPS navigator, a local map is essential. It's best to indicate the destination before departure, in case you can't express yourself clearly because of the language barrier when asking for directions on the way.

what should I buy for car rental travel insurance? To sum up, it is essential to rent a car to travel in the insurance industry. Of course, in addition to some auto insurance introduced above, it is best for car owners and people on board to buy an accident insurance to reduce risks. Traveling by car also has its own risks, so we need to do what we can.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.