租车保险你了解多少?最省事的方式就是直接跟租车公司加保。但是某一天无意间发现iCarhireinsurance才惊觉自己当了这么多次的肥羊。
iCarhireinsurance让你以较少的金额获得相同的保障。欧洲限定。欧洲限定。欧洲限定。车体险、失窃险与自负额要了解第三方租车自负额保险得要先知道「车体险」、「失窃险」与「自负额」这三者间的关系。何谓自负额(Excess):
当意外事故发生时被保险人(通常是驾驶人)必须自行负担赔偿金额的上限。自负额与保险金成反比。自负额愈低,保险金就越高;自负额越高,保险金就越低。
自负额(Excess)举例图表欧洲租车通常都包含最基本的车体险与失窃险。但依照车辆等级不同,自负额的多寡也不尽相同。从下面两张图中看得出来Mercedes-Benz E-Class的自负额是Toyota Yaris的一倍。Toyota Yaris跟Mercedes-Benz E-Class车辆本身的价值就不一样,自负额当然也不同。简单想就知道了,发生车祸时你会希望自己撞的是国产车还是高级超跑?这当然不是鼓励大家租车时要租低阶款。而是租高阶款的时候更要好好的注意保险自负额,才能在事故发生时守住荷包、全身而退。Sixt租车Toyota Yaris失窃险与车体险最高自负额各别是1,500Sixt租车 Mercedes-Benz E-Class 失窃险与车体险最高自负额各别是3,000基本的车体险与失窃险是不够的。来看加价版升级车体险价格。一样用Mercedes-Benz E-Class与Toyota Yaris做比较。Toyota Yaris 车体险升级价格。Mercedes-Benz E-Class 车体险升级价格注意到了吗?Toyota Yaris 车体险要升级到「零自负额*」每天加价24Mercedes-Benz E-Class车体险最高只能升级到「自负额500」每天加价31为什么会有这种差异呢?老话一句,车辆本身价值不同。注/「零自负额」:车正常情况下撞歪撞烂都不用赔钱,保险公司会负责赔偿。不可讳言,租车保险是租车公司重要获利来源之一。开开心心出游,一定也要平平安安回家。不想出了意外还要为钱伤神。想要省点保费又想要有比较足够的保障。此时需的是「第三方自负额保险公司」。icarhireinsurance 第三方租车自负额保险2017/12/12更新:目前icarhireinsurance已不承保台、中、港、澳的订单。另外的替代方案有RentalCover
http://icheerdiary.com/2017/12/rentalcover/欧洲第三方租车自负额保险,先前主要有两家保险公司有承保居住地在台湾的要保人。分别是「worldwideinsure」与「icarhireinsurance」。但目前所知worldwideinsure已经不承保台、中、港、澳的订单,据传是出险率太高。因此目前要保相关保险主要是以icarhireinsurance为主。第三方租车自负额保险第三方指的是「租车者」、「租车公司」两造以外的人(公司)。车体险:保障车辆损伤后维修所产生的费用。窃盗险:保障车辆被盗后所产生的赔偿费用。自负额保险:当车辆损伤、被盗后赔偿有自负额产生时的费用。注意,当租车者直接跟租车公司保到「零」自负额时,第三方租车自负额保险一定没办法产生理赔。因为是零自负额,所以不管车辆在出租期间发生什么意外事故都是租车公司的事。所以第三方保险公司没有出险必要。换句话说,买了第三方租车自负额保险,跟租车公司升级保险的钱就可以省省省下来了。icarhireinsurance保险内容,简易版:icarhireinsurance保险内容是不是觉得内容太简单、英文太深奥、格式还有点歪歪的很不牢靠的感觉?(icarhireinsurance网站内容原始呈现)碍佛瑞在icarhireinsurance官网寻寻觅觅后发现较仔细的保险内容如下:原文保险内容传送门接下来就是碍佛瑞不专业翻译,与网路上搜集资料后的各名词解释:以下皆为£英镑计价以下为碍佛瑞不专业且简单翻译,正式保单内容请详阅英文版保单,解释以官方为主。
Excess insurance
We will pay up to £6,000 for any single incident or £6,000 for a series of incidents during any single Vehicle Rental Agreement for the reimbursementof the Excess applied by the Rental Company caused by accidental damage to the Rental Vehicle including any caused by fire, theft or vandalism,as well as for any repair costs that the Rental Company charges You or for payments that You are responsible for under the terms of Your Vehicle Rental Agreement following accidental damage to windscreens, tyres, roof andunder-carriage.We will pay up to £1,000 for any rental fees charged by the Rental Company for which You are liable during a period for which the Rental Vehicle is unable tobe used by You and for any related towing costs including any dditional costs incurred by You arising from the breakdown of the Rental Vehicle for You to travel home or to Your destination, as long as those fees or costs are the result of accidental damage or theft. Misfuelling: We will pay up to £1,000 in the event that the wrong type of fuel is put into the Rental Vehicle by any person named on the Vehicle Rental Agreement.租赁期间包括任何由火灾,盗窃或车辆损坏(包括档风玻璃、轮胎、车顶和底盘),所发生必须负担的自负额费用。在任何单一事件(事故)中最高理赔金额£6000。车辆意外损坏或被盗的状况下,导致租车公司在该期间无法利用该车辆进行营利的损失,最高理赔£1000。加错燃油类型所导致的维修费用最高理赔£1000。注:大多数欧洲租车公司挡风玻璃、轮胎、车顶和底盘并不包含在基本保险内,需额外加保。
Lock Out
If unintentionally locked out of the Rental Vehicle, We will pay up to £500 to open the Rental Vehicle.如不小心将车辆反锁,最高理赔£500。
Road Rage
Pay up to £1,000, if You suffer an assault resulting in physical injury due to accident involving Your Rental Vehicle.这个理赔项目比较特别。在车辆意外事故中,身体遭受袭击,最高理赔£1000。简单来说就是发生擦撞,双方车主下车钉孤枝后你不幸被揍的话,icarhireinsurance会理赔医疗费用。
Car Jacking
Pay up to £1,000, if You suffer an assault resulting in physical injury due to theft/attempted theft of Your Rental Vehicle.所谓的Car Jacking是指歹徒趁着驾驶人红灯停车,或是在购物中心停车等短暂时刻下手抢劫、或窃盗。发生此类事故造成的身体伤害,最高理赔£1000。
Hotel Expenses
If unable to use the Rental Vehicle due to theft or accident damage, We will pay for overnight accommodation up to £150 in total.由於窃盗或是车辆损坏而无法继续使用租赁车辆。此时支付过夜费用最高£150。
Travel Expenses
Pay up to £50 for travel expenses following loss of use of the Rental Vehicle due to theft or accident damage.因窃盗或是车辆损坏导致无法继续旅程,最高理赔£50。
Restitution
Pay up to £25 per day if the Vehicle Rental Agreement is cancelled or cut short on the advice of a doctor. Maximum payment for a single claim:£300. Maximum payment per policy period: £500.医生开立不适合开车之诊断证明,导致租期缩短或取消。单日最高理赔£25、单次最高理赔£300、整个合约期间(如购买一年期合约)£500。
Drop Off
Pay up to £300 for drop-off charges incurred as a result of You being unable to return the Rental Vehicle to the Vehicle Rental Company due to an accident or illness where You are hospitalised.如因意外或生病住院而导致无法将车辆开回至租车地点还车,最高理赔£300。注:不适用於单程(one way)租赁。
65 Days continuous cover
Cover is provided in the territories selected for 65 continuous daysfor any one Vehicle Rental Agreement if you have purchased an Annualmulti-trip policy,single trip policies have a maximum cover limit of 31 consecutive days.购买年度合约的话,与任一租车公司租赁车辆,承保最高连续65天。如单次购买的话,承保最高连续31天。
Addition Driver (截录至FAQ (
https://goo.gl/VvF8uj))
If more than one person plans to drive your rental vehicle,make sure that they are named as additional drivers on the rental agreement.Provided that any additional drivers are named on the rental agreementthen they will also be protected against any excess charges assocaited with loss or damage when they were responsible for the vehicle. Our policies provide cover automatically for up to 9 named drivers, provided that they are all named on the rental agreement.如有超过一位司机会驾驶租赁车辆的话,其他司机(additional drivers)必需列在租车公司的租赁契约上,方享有「自负额保险」的保障。icarhireinsurance可以自动为多达9名指定的额外驾驶司机提供保险。如何购买icarhireinsurance第三方租车自负额保险看完了各项保障、了解保险理赔项目后,来看看怎么购买icarhireinsurance保险。注意,任何保险都需事前购买。记得在出游前就要先买好保险。进到官网购买页面后可以快速选择要保的车辆类型。填写居住地、要保年保/日保、保险产品台湾居民只能选欧洲接着填写保险起始日。假设是年保,填保险开始日期就会自动带出保险结束日期。如何分辨Car Hire与Van Hire?碍佛瑞到西班牙旅行时想租Mercedes-Benz V-class车款。不论长相、名称好像都跟Van有点像,因此不知道它该算是Car Hire还是Van Hire?询问icarhireinsurance客服得到回覆如下:
Car Hire
If the car is being used to transport passengers and has 9 seats or less, passenger windows and no extra storage space then this would be covered under our car hire policy.如这辆车是用来运送九人以下的乘客,设有车窗并没有额外储物空间,适用Car Hire Policy。
Van Hire
If the vehicle is being used to transport any goods or has no passengerwindows or seats and a large storage area, this would be covered under our van hire policy.如这辆车是用来运送货物、不设有乘客座椅或车窗,并且有大量的储物空间,适用Van Hire Policy。填基本资料。注意「计价币别」是可以选的,选项有英镑(£)与欧元()。欧洲区一年期保单,2017年8月汇率为基准:£37.99(约NT 1,497)47.49(约NT 1,689)别小看这个小动作,查一下汇率可以为自己省下几百块。保费以英镑(£)计价的话是£2.99/天,£37.99/年。通过简单的除法就会知道,如果在欧洲区一整年开车时间累计超过12天则购买一年期保险较为划算。碍佛瑞选择了一年期保险,为什么?碍佛瑞接下来一整年有机会在欧洲开车超过30天。以日计价的最低投保天数为三天。碍佛瑞在爱尔兰打工度假这段期间,如果是假日租车出去玩一天来回,无法满足最低投保天数三天的限制。而购买一年期保险,就是天天都有保障。以英镑购买一年期保单,加价选项:加价购选项:
Vehicle Key Replacement £9.99
Pay to replace a lost or stolen Rental Vehicle key,including replacement locks and locksmith charges Total Section Limit £1,000支付更换遗失或是失窃的车辆钥匙,包括更换锁头与锁匠费。最高理赔£1000。
Personal Accident £9.99
Pay You up to £10,000 if injured in Rental Vehicle,and the injury is the sole cause of death,loss of a limb, or loss of sight or eyes.如在租赁车辆期间,发生重大事故造成人员死亡、截肢、丧失视力或眼睛。最高理赔£10000。
Campervan Insurance £19.99
Reduce your Campervan and Motorhome rental excess and protect yourselfagainst accidental damage and theft charges.Pay up to £1,000 for a single incident and up to £2,000 for a series of incidents during any single Vehicle Rental Agreement for the reimbursement of the Excess applied by the Rental Company.加价升级为适用租赁露营车(Campervan and Motorhome)。感谢网友TICHING提供露营车Campervan只能买一年期的 Excess Europe Annual policy (£37.99) 再加购Campervan Insurance £19.99.以日计价的并无此升级选项。自行决定是否升级各选项后就来到付款页面。输入信用卡资料与通讯地址。信用卡授权通过后,就会寄送一封含有「保险凭证」与「保险条款重要通知」两个档案的信件至当初所留的e-mail帐号。碍佛瑞使用的Hotmail是在垃圾邮件中捞出来的。icarhireinsurance保险凭证保险条款重要通知截录FAQ重要资讯What are the main restrictions on your policies?Policy holders must be aged between 21 and 85 Rentals under Annual cover must not be longer than 65 continuous days Not valid for the rental of vehicles where the value of the vehicle exceeds £100,000 or vehicles which are more than 20 years old, or the rental of antique, expensive or exotic vehicles not considered to be conventional and usual. Not valid for the rental of vehicles not licensed for road use, and other vehicles types, including but not limited to trailers or caravans, camper vans, commercial vehicles, trucks, motorcycles, mopeds, motorbikes, off-road vehicles, recreational vehicles, motor homes, passenger vans and vehicles with more than 9 seats. Not valid for use of any Rental Vehicle in racing competitions, rallying, trials,rallies or speed testing, or when driven on a motor sport circuit.
要保人年龄限制为21~85岁
一年期保险方案,连续投保天数上限为65天。租赁车辆价值不可超过 £100,000或车龄超过20年租赁车辆必需要有行照,并且车型不可为拖车或露营车、商用车、卡车、摩托车、轻便摩托车、越野车、客货车和9人座以上的车辆。租赁车辆不可使用於竞速或在赛车场内驾驶。How many trips does the annual policy cover you for ?You can take unlimited trips during the year, and you are also coveredfor hire car usage in the UK. Unlike other policies which limit each rental period to just 31 days, our car hire insurance policies allow you to travel for up to 65 continuous days.年保方案可以在一整年内享受无限次租车旅行,并且包含英国。不像其他保单租赁期限限制31天,年保保单可以连续保障65天。如何提出索赔申请?要提出索赔申请前要先看看自已的「保险凭证」上是哪家公司承保的。碍佛瑞上网爬文找资料发现欧洲区好像全部都是由图片右手边的「安联保险」所承保。点进去会有说明需要哪些文件。
车辆租赁契约租车公司所提供的车辆损坏报告提供任何需要获得赔偿的发票或收据提供可以证明已被收取车辆维修费的信用卡对帐单报案纪录(通常只在重大事故或车辆被偷时需要)
碍佛瑞撰写此篇文章时尚未申请过icarhireinsurance保险理赔,也希望永远不要使用到。平安平安,平平安安。时间、金钱,你会选.....?在欧洲租车你可以透过:租车公司:Sixt/Avis/Hertz.....等租车网站平台:Rentialcars/autoeurope/EconomyCarRentals....等租车业务不管从哪一种管道租车,他们主要的获利来源都是「保险」。除非是直接跟租车公司购买保险,不然从其他管道购买的保险都是需要先赔钱给租车公司,之后再自行申请出险理赔。这两者虽然都是「保险」,但其实差异颇大。直接跟租车公司购买保险:直接加价升级到「零自负额」并且把其他能保的险全保了。如果出意外的话,因为车是租车公司自行送修处理,保险也是跟租车公司加价购买,事后出险时消费者就不用再额外付款处理后续赔偿事宜。就是驾驶人要赔钱给租车公司,然后租车公司又要出险给你。双方都是同一组人马,自动互相抵消,就像啥事都没发生一样。对想省事、省时间的人来说是最方便的选项。跟租车公司以外的任何单位(人)购买保险:不管加保了什么保险,出事后都需要先将赔款赔给租车公司。之后再自行找相关单位(人)申请出险。多了这一个步骤就会多出许多风险,例如:理赔不干不脆、出险拖拖拉拉.....等。对於愿意多花点时间省下多点保费的人来说这是个值得考虑的选项。租车保险这一块不能单纯以「金钱」来衡量他的价值。直接跟租车公司加保保险一定是最贵的,但后续烦脑也是最少的。其他保险单位提供的报价单,保障看起来跟租车公司相同,但价钱更为便宜。这样就要说租车公司的保险赚很大吗?其实仔细想想也不能说租车公司很黑。毕竟租车公司提供