Travel Insurance: More and more people like to travel overseas by car. Not only can they arrange their time flexibly, but it is also more convenient to go to places that are not easily accessible by public transportation. If you are going on a self-driving trip during Easter, in addition to deciding on a fun guide before departure, remember to arrange appropriate car and travel insurance so that you can have fun and feel at ease.

My friend Jason went on a self-driving trip to South Korea with his family during the Lunar New Year. Since he was already familiar with South Korea and often drove in Hong Kong, and the car rental already included car insurance, he did not buy additional travel insurance. Three days after arriving in South Korea, it suddenly snowed heavily. Jason accidentally scratched the car while driving, and his wife also sprained her foot.

Jason thought that with car insurance, he would not have to pay compensation to the car rental company, but it turns out that most car insurances have a deductible, which means that the renter needs to pay a certain amount of expenses. In the end, he had to pay the car rental company the deductible of HKD 5,000. In addition, since Jason did not buy travel insurance, his wife’s medical expenses of more than 2,000 yuan for the foot injury also had to be paid out of pocket. Fortunately, the accidental injury was minor this time, otherwise the medical expenses would be unimaginable. After reading Jason’s experience, everyone should pay attention to the following points before setting off on a self-driving trip.

1. Buy travel insurance when traveling abroad

Whether you are traveling by car, traveling independently or with a group, you must buy travel insurance before traveling to just in case. Car insurance is not the same as travel insurance. If you buy travel insurance early, you will be compensated if your trip is canceled due to unexpected events such as flight delays, illness and death of family members, bad weather, etc.

2. Determine whether third-party accident compensation is included

Car rental companies generally provide car insurance, and the cost is often included in the car rental. You should confirm with the car rental company the details of the car insurance included in the lease and whether it includes third-party accident compensation. Otherwise, you need to purchase it separately.

3. Be aware that car insurance often has a deductible

Car insurance generally has a deductible, commonly known as “deductible”, which is the compensation cost that the renter needs to bear. You can consider some travel insurance that provides “car rental deductible protection”.

4. Understand the terms and exclusions

It should be noted that if the insured violates certain terms of the car rental company or is involved in uninsured matters, such as being under the influence of alcohol or drugs, or driving a taxi without a local legal driving license, etc. and causing losses, the insurance company will not be liable. Assure.

5. Make personal preparations before departure

Remember to bring your international driving permit, and it is best to bring your Hong Kong driving license with you in case you need it. Before setting off, understand the local traffic rules, unwritten traffic habits and weather. If there is thick fog or snowstorm, you should put safety first and avoid driving by yourself.

Conclusion