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Spring Festival carpool home choose insurance short-term travel insurance introduction

Blog 2年前 (2021-11-24) 286 Views

The owner's family car knowledgeThe traditional Spring Festival will be almost half a month away. For those who choose to carpool home, they may be finishing their work before the holiday, packing up their bags and preparing to set off. Whether you are driving by yourself, sharing a ride with friends, or carpooling with unfamiliar netizens, the editor hereby reminds you that it is best to check the relevant information of the vehicle and purchase insurance before you travel, so as to effectively avoid the risks that may be encountered in carpooling and on the way home .

Spring Festival carpool home choose insurance short-term travel insurance introduction

Introduction and comparison of short-term travel insurance on the market

Taking the 15-day round trip period of the Spring Festival as an example, the editor inquired about the relevant insurance types, scope of application, quotations and claims limits of mainstream insurance companies through the Internet and telephone. Hope it will be helpful for your trip.

Spring Festival carpool home choose insurance short-term travel insurance introduction

As can be seen from the above table, the main types of insurance available for short-term travel are accident insurance and travel insurance, and some companies also offer special insurance types for self-driving travel and holiday travel.

It should be noted that for the various insurances listed above, the scope of application and insurance regulations of different companies are different. You should check carefully when applying for insurance.

The first is the nature of carpooling. The above car insurance is forNon-operating private carsThe protection does not apply to official vehicles and commercial vehicles.Assuming you are going to carpool with strangers, it’s best to check the relevant documents and try toAvoid money transactions.

The second is the object of traveling together, assuming you are with friends or netizens, etc.Non-immediate kinshipIf you travel together, you should read or consult the relevant deductible clauses.

The third is your role in carpooling. In some insurance types, the amount of compensation for the driver and the crew is also different. If the driver has been involved in a traffic accident and caused casualties, some insurance companies will not cover it.

From the perspective of safety and security, it is recommended that you negotiate with the car-mates, on the one hand, you can purchase relevant insurance in a unified way, and on the other hand, you can sign a carpool agreement to protect the rights and interests of both parties.

How to insure

Now most insurance companies have opened online shopping malls. You can check related products through the insurance company's official website and online shopping mall. If you don’t understand the terms, you can consult the customer service phone or ask at the counter.

For the convenience of applying for insurance, it is recommended to purchase online first. Electronic insurance policies and paper insurance policies have the same legal effect. You can ask for paper invoices and insurance policies as vouchers at the same time you obtain an electronic insurance policy.

Matters needing attention in claim settlement

After purchasing the insurance, it is recommended that you print the corresponding insurance clauses and keep them; the other is that you are recommended to keep them in your mobile phone.Insurance telephone number and insurance policy number, In case of emergencies; the third is to notify the insurance company as soon as possible after the accident and keep the relevant documents.

Common deductible or non-insurance regulations

1. The insured is driving under the influence of alcohol, driving without a valid driving license, or driving a motor vehicle without a valid driving license;

2. The insured violates the carrier's regulations on safe driving and riding;

3. The insured violates road traffic safety laws and regulations;

4. Injury caused by the insured person driving an overloaded motor vehicle due to an accident caused by the overloading of the vehicle;

Explanation of terms related to insurance companies

Private car:

Private car: Refers to a vehicle that meets the following three requirements at the same time: (1) Comply with the definition of passenger car in the national standard for automobile classification (GB/T3730, 1-2001); (2) Non-commercial for-profit use with a legal and valid driving license (3) Mainly used to carry passengers and their carry-on luggage or temporary items.

Non-operating vehicles: refers to non-business or production and business activities, not directly or indirectlyCharge freight, rent or any other similar feesOf motor vehicles for personal use.

Legal documents:

Driving without a valid driving license: Refers to one of the following situations:

(1) Did not obtain a driving qualification;

(2) Driving a vehicle that does not match the type of driving permitted by the driver's license;

(3) Driving with an unqualified driver's license;

(4) When learning to drive with a learning driver's license, there is no instructor to guide the car, or learn to drive without the designated time and route.

No valid driving license: Refers to one of the following situations:

(1) Failure to obtain a driving license;

(2) The motor vehicle has been deregistered according to law;

(3) Failure to conduct or pass motor vehicle safety technical inspections on time according to law.

Legal holidays:

Refers to the holidays specified by the State Council of the People's Republic of China and the rest days along with the holidays. The specific date is subject to the document officially announced by the local people's government.

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