What kind of insurance is suitable for domestic travel?

Travel insurance is now mainly divided into three categories: accident insurance, emergency rescue insurance, and property insurance. Friends who want to buy travel insurance can consider the products of China Property & Casualty Insurance. Before traveling last year, I bought a worry-free accident insurance from China Property & Casualty Insurance Company. The premium is low, the insured amount is high, and the coverage period is optional. Very suitable for short-term high-frequency travelers. As the number of motor vehicles increases, so does the number of car owners. For many friends who like self-driving travel, they take their friends on a self-driving trip every holiday. In general, tourist attractions during holidays are always crowded and accidents are prone to occur. At this time, insurance is very important. Do you know about insurance? What kind of insurance should I buy when traveling in China?

When traveling, we must not only consider people’s safety, but also consider car ownership. Vehicles will inevitably collide while driving, especially in mountainous areas with poor road conditions, where accidents are more likely to occur. Therefore, it is best to reduce the three insurances, car damage insurance, and scratch insurance or increase the coverage. What kind of insurance should you buy when traveling? In fact, there are some insurance plans specifically designed for road trips that can provide more protection for road trips. Such as emergency towing, emergency repair, emergency tire replacement, 24-hour emergency rescue and other services.

At the same time, when traveling by car, you must not only ensure your own personal safety, but also pay attention to the safety of your passengers. Therefore, car owners can choose to insure safety liability insurance or accident insurance for the people on the car to avoid worries.

What kind of insurance is suitable for road trips?

1. Short-term and cost-effective accident insurance

Compared with daily driving, road trips carry higher risks and place higher demands on people and vehicles. In response to this situation, insurance companies have developed special accident insurance when traveling, and consumers only need to purchase one accident insurance. In addition, when choosing short-term travel insurance products, it is best to choose products with an insurance period equal to or greater than the travel period.

2. Commercial car insurance and new equipment insurance

Commercial insurance includes car damage insurance, three insurances, scratch insurance, etc. As for new equipment insurance, especially off-road vehicles, you should consider insuring it because off-road vehicles have a lot of additional equipment. If the additional equipment is damaged during the trip, the insurance company will not pay the claim, and the loss can only be prevented by purchasing new equipment insurance.

3. Liability insurance for persons on board.

Usually it’s a group of three or five friends who go on a road trip together, or carpool. However, once a major accident and casualties occur, financial compensation disputes will inevitably arise. Purchasing on-board personnel liability insurance is responsible for compensating actual losses caused by personal injury or death of passengers. The insurance amount should be a multiple of 10,000 yuan. It has the advantage of not specifying a specific crew and does not need to be changed if the return crew changes.