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Data:2009-12-12 2:34
With the pace of life speeds up, the Shanghai people's dependence on the mode of transport increasingly strengthened, the data indicate that each person per day at least 4-5 hours spent in the outdoors more than 60% of people travel to travel more than two traffic tool, so people away from home has also increased the potential risks. In regard to travel insurance was also the case go hand in hand, increasingly enriched. Currently on the market on the "line" of insurance mainly accident and liability insurance two broad categories.
Casualty: I insured
The accident insurance market, many classes to protect the deadline are not the same as the general public, one-year short-term traffic accident insurance is a good choice. Its scope of protection covers the options available to the public transport means of transport, including passenger cars, rail transport (train, subway, light rail, magnetic levitation), shipping and civil aviation flights, relatively personalized self-driving and the company bus and other non-commercial operations mode of transportation is also within the scope of coverage. With Pacific Insurance's "New Century, paragraph B," for example, premium 100 yuan, will be able to enjoy aircraft accident within a year to protect 500,000 yuan, 50,000 yuan to protect rail transportation accidents, boat accidents to protect 50,000 yuan, 100,000 motor vehicle accidents to protect yuan. Of course, people can also be according to their actual situation, taking the probability of the types of vehicles with their own accident insurance, the premiums will follow be reduced accordingly.
For travel enthusiasts, but also you can purchase more targeted travel insurance is intended as a supplement. Travel insurance is intended to protect than the average duration of a traffic accident insurance and flexible, short then one day grow up to six months, insurance companies will determine the rates according to actual number of days, in general, dozens of dozens of million yuan will be able to get the protection, the National Shou The "An Daka," Jinsheng "An OK card" card such as accident insurance, text messages can also be opened by the effective date, to facilitate protection of the public free to choose the time.
The paper contains a number of means of transport belonging to the special insurance, accident insurance. Such as train tickets, inclusion of 2% of insurance costs, the amount 20 thousand yuan; exit the passenger car or tourist bus fares in the same containing 2% of the cost of insurance, insured sum 3-50000 yuan. These are subject to compulsory insurance, people are insured when buying tickets.
In short, people travel, you can compare a comprehensive accident insurance, and then choose their own specific conditions.
Liability insurance: insurance carrier
At present, many vehicles insured by the carrier of liability insurance. Such as the current long-distance passenger cars in Shanghai are mostly insured, "the carrier's liability insurance", car-seat passenger transport enterprises carried out by the insured, the amount of up to 400,000 yuan. Travel insurance if traveling public of "the carrier's liability insurance," the passenger, may not have to purchase additional accident insurance. At present, Shanghai is pushing the "carrier liability insurance" and whether the enterprise of its own as a passenger vehicle operating license standards. It is understood that, "the carrier's liability insurance," the insurance rate has now reached 45%, claims a cumulative total of 1.56 million yuan. Need to be reminded that the public need to preserve good when the second car bills to make claims when the proof.
Subway also has liability insurance. It is understood that Longyang in Shanghai Maglev Train Station has been insured by liability insurance, take the Maglev train passengers in the compartment or on the platform of all accidental injuries caused by both the insurance company's claims range.
In addition, aircraft, ships and other modes of transport also have insurance liability insurance, passenger if Chuxian, the insurance company will replace the carrier claims.
