Do I need to buy insurance in road trip?

First, you can buy or not buy insurance when you go to road trip, but when you go to road trip outside, the driver's familiarity with road conditions is far less than that of daily driving, and the accident rate is high; The crowded road section during the tour may also increase the probability of vehicle scraping. In addition, in the case of bad weather, there are risks such as landslides and lightning strikes when traveling on the road. In view of the above possible risks, it is best for citizens to equip themselves with relevant insurance before traveling, so that they can have no worries during the trip.

Second, the purchase steps/methods

1, don't repeat the warranty period without a long warranty.

(1) It is understood that life insurance in road travel mainly includes accidental death, disability insurance and accidental medical insurance. Before choosing insurance, you should first check the insurance you have bought in the past. Some commercial insurance projects are many, which may already include travel and travel-related insurance. If you have already purchased insurance for related items, you don't need to buy them again.

(2) Going to road trip is generally a short-term trip, so you can buy corresponding short-term travel insurance products. People in the insurance industry suggest that the insurance period should be equal to or greater than the travel period. Under normal circumstances, the insurance period starts at 0: 00 every day, as long as the whole holiday is guaranteed, the extra time should not be too long.

2. Pay attention to the coverage of scratch insurance.

(1) the biggest feature of go on road trip is that you can travel with the car, so it is essential to insure your car. According to industry insiders, car owners have been equipped with insurance in their daily use, and going out is also covered by vehicle insurance. However, considering that there is generally no fixed parking lot on go road, vehicles are parked in the wild or on the side of the road, which is easy to be damaged. It is best to add a car body scratch insurance.

(2) When buying travel auto insurance, the most important thing is to pay attention to whether it includes the safety of people and articles on the car. Some auto insurance has covered people (including drivers and passengers), but this is part of auto insurance, which means that people can only get compensation when there is an accident in the car. Go on road trip can't drive all the way, so he has to provide extra life insurance. Many insurance companies have travel insurance, such as Ping An Insurance's domestic travel accident insurance, including accidental death and disability, accidental medical treatment, emergency rescue, lost luggage and documents, etc.

3. According to the amount of travel risk insurance.

(1) The insured amount should be determined according to the activities to be attended in road trip. If it is only low-risk activities such as hiking, flower viewing and picnicking, the insured amount can be controlled at a low level; If there are high-risk activities such as rock climbing, exploration and diving, it is necessary to increase the insurance coverage. It is worth noting that many insurance companies' personal accident insurance does not include high-risk projects such as rock climbing, exploration and diving. The public should carefully look at the scope of protection before buying, and don't think that buying accident insurance can protect all accidents. In addition, some travel insurance projects are comprehensive, including multiple types of insurance, and some projects are unnecessary. For example, many travel insurance will cover such items as taking a boat and flying, so there is no need to equip these items for traveling.

(2) You can buy insurance directly at the store or fill in the insurance policy online. "Although online insurance procedures are convenient, you can't answer questions in time. It is recommended to choose face-to-face signing to protect your own interests. People can directly understand the scope of protection by signing the bill in person, and insurance salesmen can also design or adjust the insurance plan according to the needs of customers.

4. Sign a contract before traveling and stipulate responsibilities.

(1) As for the legal disputes that may occur in go on road trip, some lawyers said that they are generally disputes over articles such as traffic accidents on the way, free rides, eating, lodging and playing, route disputes, man-made accidents, accidents and vehicle theft.

(2) In this regard, it is best to sign a travel contract on the road before traveling on the road, and clearly stipulate what expenses are included in the itinerary, scenic spots and paid tour fees, and stipulate the bridge crossing fee, toll, refueling fee, and who will bear the accommodation place, accommodation level, parking fees for scenic spots, insurance fees and responsibilities arising from free rides.

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