Do you buy insurance for self driving tour? How to buy insurance for self driving tour
4hw.com.cn: self driving travel is the way that many people choose to travel now. Compared with group travel, it is more free, but insurance has become a problem that many people encourage. So, have you bought the self driving travel insurance? Or some self driving travel friends are worried about how to buy self driving travel insurance? Now let's analyze how to buy self driving travel insurance and what kind of insurance is cost-effective?
How to buy self driving travel insurance
Self driving travel insurance is the first thing to buy insurance for people who travel. Personal insurance of self driving tour mainly includes accident death insurance, disability insurance and accident medical insurance. Before buying insurance, you should first check whether the existing insurance includes travel and tourism related security projects. There is no need to buy the insurance of relevant guarantee items again. Self driving travel is generally short-term travel, so you can buy the corresponding short-term travel insurance products. In general, the insurance period can only be guaranteed during the whole holiday. It should be determined according to the activities planned to participate in the self driving tour. If it is just a common sightseeing tour and the risk is low, the insured amount can be controlled at a lower level. However, if there are high-risk activities like rock climbing and diving, it is necessary to increase the coverage and purchase targeted high-risk outdoor sports insurance.
Precautions for self driving travel insurance
1. The insurance period is not long and the insurance type is not repeated
It is understood that the personal insurance of self driving tour mainly includes accidental death, disability insurance and accidental medical insurance. Before choosing insurance, you should first check the insurance you purchased in the past. There are many commercial insurance projects, which may include travel and tourism related insurance. If you have purchased insurance for the relevant items, you do not need to buy it again. Self driving travel is generally short-term tourism, so you can buy the corresponding short-term tourism insurance products. People in the insurance industry suggest that the insurance period should be equal to or greater than the travel period. In general, the insurance period starts at zero o'clock of the day, as long as it is guaranteed within the whole holiday, and the extra time does not need to be too long.
2. Increase the coverage of scratch insurance
The biggest feature of self driving tour is that it can shuttle with the car, so it is necessary to protect the car with relevant insurance. Industry insiders said that car owners in the daily use of the vehicle generally have been equipped with insurance, self driving travel is also in the scope of vehicle insurance. However, considering that there is no fixed parking place for self driving tours, and the vehicles are often parked in the field or on the side of the road, which is easy to be damaged, it is better to increase a car scratch risk.
When purchasing travel car insurance, the most important thing is to pay attention to whether it includes protecting the safety of people and goods on the car. Some car insurance has included people on the car (including drivers and passengers) into the scope of protection, but it belongs to the part of car insurance, that is to say, people can get compensation in case of accidents on the car. And self driving tour is not the whole journey is spent in the car, so additional life insurance should also be equipped. Many insurance companies have insurance types for tourism, such as Ping An's domestic travel accident insurance, which includes accidental death and disability, accidental medical treatment, emergency rescue, luggage and document loss and other items.
3. Insurance amount based on tourism risk
In terms of insurance amount, it should be determined according to the activities that will be participated in in the self driving tour. If it is only the activities with low risks such as outing, flower appreciation and picnic, the insurance amount can be controlled at a lower level; if there are activities with high risks such as rock climbing, exploration and diving, the insurance amount needs to be increased with emphasis. It is worth noting that the personal accident insurance of many insurance companies does not include climbing, exploration, diving and other high-risk projects. Citizens should carefully look at the scope of protection before purchasing, and do not think that purchasing the accident insurance will protect all accidents. In addition, some tourism insurance projects are more comprehensive and will include a variety of insurance, and some projects do not need to be insured. For example, many travel insurances will include such items as taking a ship or a plane, which is unnecessary for self driving travel.
To purchase insurance, you can apply directly to the store or fill in the insurance policy on the Internet. 'although the online insurance procedure is convenient, it can't answer questions in time, so it is suggested to sign the form in person to protect your own interests. "Hu Yanyun said that the public can know more directly about the coverage by signing in person, and the insurance marketers can design or adjust the insurance plan according to the needs of customers.
4. Sign the contract before driving
As for the legal disputes that may arise in self driving tours, some lawyers say that they are generally the disputes of traffic accidents, free rides, meals, accommodation, routes, human accidents, accidents, stolen vehicles and other articles on the way. In this regard, it is better to sign the "self driving travel contract" before the self driving tour to clearly stipulate the itinerary, scenic spots to be visited, as well as what fees are included in the paid group fee, the bridge fee, the road fee, the gas fee, as well as the accommodation site, the level of accommodation, the parking fee of scenic spots to be borne by, the insurance cost to be borne by, and the responsibility for free riding to be borne by.
When purchasing relevant insurance, it is necessary to purchase different types of insurance according to its own situation, such as tourist accident insurance, tourist personal accident insurance, tourist rescue insurance, tourist rescue insurance, accommodation passenger personal insurance, etc.