How much does the insurance cost for a 2-day self-driving trip within the province?

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

It is understood that personal insurance for self-driving travel mainly includes 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.

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.

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

The biggest feature of self-driving travel is that you can travel with your car, so it is essential to have relevant insurance to protect your car. 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.

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 the people in the car (including the driver and passengers) in the coverage, but this is part of the car insurance. , that is to say, people can only receive compensation when they have an accident in their 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.

Determine the insurance amount based on travel risks

The insurance amount should be determined based on the activities you will participate in during the self-driving tour. If it is just outings, flower viewing, picnics and other low-risk activities, If you are involved in high-risk activities such as rock climbing, adventure, or diving, you need to increase the amount of insurance in a more focused manner. 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. If you don’t need some insurance, there is no need to insure it. 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.

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 better protect your own interests." Hu Yanyun said, Citizens can more directly understand the coverage by signing the policy in person, and insurance salespeople can also design or adjust insurance plans according to customer needs.

Sign a contract to stipulate responsibilities before self-driving travel

As for the legal disputes that may arise during self-driving travel, some lawyers said that they are usually caused by traffic accident disputes and free rides on the way. Disputes, disputes arising from food, accommodation, entertainment, route disputes, man-made accident disputes, accident disputes, vehicle and other items theft disputes, etc.

In this regard, it is best to sign a "Self-Driving Travel Contract" before traveling by car, clearly agree on the itinerary, tourist attractions, and what expenses are included in the tour fee, and agree on bridge tolls, tolls, and gas. fees, as well as who will bear the accommodation venue, food and accommodation level, attraction parking fees, insurance costs, who will bear the liability for free rides, etc.

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 hotel guests.

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance