What is the difference between the insurance of highway passenger vehicles and the insurance of tourist vehicles? What is the standard?

Highway passenger transport and tourist passenger transport have their own advantages and disadvantages:

1. Highway passenger transport has a fixed line, shift hours, stops, fares and shifts, that is, "five fixed", which cannot be changed at will and the fares are high. The tour bus determines the running route and time according to the business undertaken, which is highly mobile and low in price, and the price is generally included in the tour fare.

2. The passenger shuttle bus has special service standards, especially for express passengers from all over the country. With the development of traffic and the intensification of competition, the overall service quality of passenger cars is better and the grade of vehicles is higher. On the whole, tour buses are still in low-level competition, with low-grade vehicles, most of which use Jinlong, or even lower. Moreover, because most of the coaches are contracted or operated by individuals, the cost is low, and the owners' income mainly depends on the rebates and kickbacks of scenic spots. Therefore, the service quality is not as good as the passenger bus.

The bus with insurance is better than the long-distance bus. Shuttle passenger transport is strictly controlled by the transportation department, and all kinds of insurance for vehicles are readily available. In addition to vehicle insurance, there are also third-party liability insurance and carrier liability insurance, and each ticket also includes insurance premium. Some stations will provide extra insurance when selling tickets. However, coaches are managed by tourism and transportation departments, and there are gaps and gaps in the middle. The requirements are not as high as those of passenger cars, and the insurance items and insurance coverage are not as good as those of passenger cars.

4. The ability to claim compensation is different. Generally speaking, the strength of passenger bus operators is relatively strong, even if contracting or affiliated, contracting enterprises also have strong strength. However, the strength of tourism enterprises is generally weak, because the entry threshold of tourism enterprises is low, the competition is fierce and the required cost is not high. Generally, domestic travel companies can start business with a registered capital of 300,000. Passenger transport enterprises are often hundreds of millions, and they are also small enterprises.

Of course, whether it is passenger transport or road transport, it is best to choose enterprises with high reputation, strong strength and certain popularity. At present, passengers' awareness in this regard is not very strong.

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