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Data:2009-12-12 2:34
51 holiday approaching, more and more car owners choose Zijia travel. However, how to select highly targeted insurance coverage to protect people during travel, car, accompanied by items such as security, became troubled by this part of the public's "heart disease." To this end, experts suggest, should buy insurance, then stepped on the accelerator.
Zijia You and common-mission trip is different accompanying travel, travel agents, travel agents will provide the public liability insurance protection, also recommends the public in accordance with their need to purchase personal accident insurance. The Zijia You is that the public purely individual behavior, the risks must be made by themselves, choose what kind of support methods to avoid risks, it is very important. Experts remind that his driving will be faced with many unpredictable risks, such as various types of car accidents caused due to unfamiliar terrain, experienced raiding so very necessary to purchase insurance.
Insurance Approach 1: Internet, prepaid card easy insurance
Through online and prepaid card insurance is often seven days to 1 month short-term insurance, liability insurance premiums and relatively small. Experts recommend that the current market, only the People's Insurance Insurance launched a more comprehensive client's freedom against Zijia You travel cards and e-Zijia Happy-line self-service portfolio of insurance products. Customers only need to spend 20 yuan to buy a scratch card, scratch in a limited period, and on-line registration, 7-day period, you can enjoy the accidental injury insurance, 20,000 yuan, passenger accidental injury 1 yuan / person, accidents and acute health care cost 2 million yuan, 1,000 yuan baggage protection. Meanwhile, the company's Web site, you can through online payment and orders to the payment means to achieve self-insured products. Where the age of 18-75 years of age who self-driving trips, insurance, accidental death that occurred during, disability, accident medical and travel baggage loss, you can protect over 20 million. Premiums according to the length of time, the customer free to choose 7 days, 15 days, 30 days and one-year period of insurance, the premiums were also 20 yuan, 35 yuan, 58 yuan and 698 yuan. Customers can also choose additional 10 yuan premium for loss of baggage insurance and 2 yuan for camping equipment, loss of insurance. Experts advise that customers should be careful to see the insurance company the insured listed in the exemption clause, such as gold, silver, jewelry, loss of identity cards, will be no compensation.
Insurance Approach two: a comprehensive, detailed travel insurance policy
Self-traveler If you want to obtain more comprehensive and detailed insurance coverage should be from the cars, people, etc. one by one clear. Such as the Pacific Life rescue the driver of the green personal accident insurance, was aimed at one-year pilot period of insurance products, only 100 yuan can enjoy the death, disability 65,000 yuan, 3,500 yuan accident medical protection. Experts suggest that the choice of insurance should be followed: If you did not buy the entire vehicle Daoqiang Xian, it may consider to spend about 100 yuan a month of the entire vehicle Daoqiang Xian insured against any eventuality. If there is no insured vehicle personal injury liability insurance, each seat could be considered insurance 20,000 yuan a month, spending about 25 yuan. If the Driving Status is not very good, could be considered a vehicle suspended one-month loss of insured risk. Spend about 150 yuan, 200 yuan a day paid to make up for tourist vehicles damaged during the loss. Experts advise: the principle of insurance premiums and risk of course, to find a balance between, as far as possible to maximize the effectiveness of the money.
Experts suggest: owner insurance third party liability insurance, the best insurance coverage amount of 500 thousand yuan. Because under the new road traffic laws and other regulations, accidents causing death or serious injuries can easily make more than 500,000 yuan of compensation, if less than the sum insured will give owners an accident caused huge losses. Third-party liability insurance for private cars the amount of 200,000 yuan and 500,000 yuan insurance premium difference between the insured amount is 200 yuan or so, weigh, or the latter cost-effective. In addition, many car owners to buy insurance coverage are in residence, in the field, trouble can not be claimed. As a precaution, should go to the insurance company before departure for "marking policy" and will expand coverage to the field, if it is all over, usually a month out of the province is only 50 yuan insurance premium surcharge.
In doing all these safeguards prepared, remember to bring the spirit of a good enough head and enough money (in the field can use credit cards), you can set off with confidence! (10 edition of "The Money Report")
