Discount Rental Car Insurance

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About RentalCover.com

  1. 我們的保單保證比租車公司便宜50%!
  2. 您可盡情享受旅行,而無需擔心租車公司就損失濫收費用!
  3. 我們的保單是針對每個國家獨有的租車規定而設的。
  4. 事故相關的費用雖然昂貴,但我們的保單完全涵蓋這些費用。
  5. 我們的保險商來自全球其中一些最知名的保險品牌。
  6. 多車連環相撞事故可以很複雜,但我們會為您處理當中所有來來回回的保單,並立即向您償還費用,讓您安心無憂(請參閱我們的《索賠指南》)。
我們的《租車指南》為您解釋整個流程。
我們的《租車指南》解釋了租車時所包括的一切,以及租車公司向您提供額外保險時您該說的話。

我們的租賃指南解釋了一切工作。
我們的全球保險團隊包括以下家傳戶曉的A級保險公司。
 
我們的承銷商.
US Fire Axa Assistance Collinson Group Intact Insurance Lloyds of London Chubb

 

我們的《租車指南》為您解釋整個流程。
是。租車協議上的額外司機均受到保障,而我們無需這些司機的名字。

我們的《租車指南》為您解釋整個流程。
 
我們並不建議您這樣做。因為曾有很多不愉快事件發生,例如租車公司就從沒發生過的損壞向租車人士收費,或是誇大修理費,又或費用超出相關輕微損壞所需的實際修理費。  以上情況均受到RentalCover.com保障。

我們的《租車指南》為您解釋整個流程。
 
您需向租車公司支付損壞費用和其他相關費用。提交索賠申請後,我們即會償還您已支付的全數金額。我們處理索賠申請的目標是提交所有文件後2天。

我們的《租車指南》為您解釋整個流程。
 
您可在報價表中選擇加保越野四驅車、露營車、房車及小型巴士。

 我們的《租車指南》為您解釋整個流程。
 
如您在報價表中選擇了「四驅車」此選項,在未經鋪設道路上行駛的越野四驅車輛可受到保障。不過,您仍需遵守租車協議的規定。至於所有其他車輛,如您的租用協議允許您在未鋪設的沙石道路上駕駛之,亦可受到RentalCover.com保障。
 
我們的《租車指南》為您解釋整個流程。
 
保單總是以整個公曆日作計算單位,保證即使您早取車或晚退車,全個旅程都可受到保障!

我們的《租車指南》為您解釋整個流程。

Claims Info

只需造訪索賠網頁,即可了解所有關於如何提出索賠的資訊,包括我們對文件的要求及所需時間。

我們的索賠網頁解釋一切有關如何提出索賠的資料。
 

Rental Guide: Destination Asian Countries

以下是您在日本、韓國和其他亞洲國家應該做的事和需要說的話:
  • 如果您的租車預訂中未包含車輛碰撞險(CDW)或車損盜搶險(LDW,即車輛碰撞險(CDW)加盜竊險(theft protection)),租車點會為您提供這些保險。您的預訂確認單會顯示您的訂單中是否已包含了車輛碰撞險(CDW)或車損盜搶險(LDW),我們的車輛碰撞險(CDW)概覽 可能對您有所幫助。購買了我們的碰撞損壞險(Collision Damage Coverage)的美國居民不需購買車輛碰撞險(CDW)。我們建議其他國家的居民購買租車公司的車輛碰撞險(CDW),但無需購買超級車輛碰撞險(SCDW)(請見下方)。如在確認訂單中是否包含了車輛碰撞險(CDW)時需要協助,請您填寫下表。車輛碰撞險(CDW)有一筆自付額(在美國稱為可減免自付額),金額在€500至€5,000之間;可通過購買超級車輛碰撞險(SCDW)降至€0。
  • 租車點會向您提供一個減免險,稱為超級車輛碰撞險(SCDW)、自付額免除險(Excess Waiver)、損壞賠償責任免除險(Damage Liability Waiver)或其他類似名稱。它可將您車輛的自付額從$500-$5000(具體金額取決於租車公司)降至$0。但您無需購買。購買了我們的碰撞損壞險(Collision Damage Coverage)的美國居民不需購買超級車輛碰撞險(SCDW),因為您的保單沒有自付額 - 您可先支付車損費用,再先AON申請索賠。對於非美國居民,我們的零自付額租車險(Zero Excess Rental Cover)提供比超級車輛碰撞險(SCDW)更高的保額,但價格僅為後者的一半。 
  • 租車點會向您提供個人意外險(PAI),承保您和您的乘客在意外中遇到的人身傷害。絕大多數旅行保險都包含了個人意外險(PAI),您也可在網上購買此保險(目前RentalCover.com尚未提供此保險)。

Rental Guide: Destination Australia/NZ

Excess Reduction/Excess Waivers in Australia and New Zealand

Rental vehicles in Australia and New Zealand do not have Collision Damage Waivers (CDW). CDW is a policy sold by rental companies elsewhere in the world that reduces the excess that is payable in the event of an accident from the full value of the vehicle towards a lower limit (under AU$5,000, usually). CDW (and Loss Damage Waivers (LDW), which is just CDW plus Theft Protection) is included by default with a rental car (or can otherwise be included at the rental desk) in every country except Australia and NZ. If a renter does not have CDW or LDW in Europe, North America and South America their liability in the event of an accident would be the full value of the car. In Australia/NZ however, there is no CDW/LDW; the default liability (called "standard excess" or "standard liability") is usually somewhere below AU$5,000, although some large motorhomes have an excess of AU$7500.

The excess waivers for this lower amount are similar to Europe.


Third Party Damages

If you are driving a rental vehicle in Australia or New Zealand and you are involved in an accident with another vehicle the following process takes place:

1. If you cause the accident (i.e. you are "at fault") and damage another car

You will have to pay the repair costs for your vehicle (which would be insured by your RentalCover.com policy). A small number of motorhome rental companies may also charge you for damages to other vehicles. These "third party damages" are excess charges (i.e. deducted from your credit card) and are insured by your RentalCover.com policy. 

2. If you cause an accident and injure the other driver 

If the other driver is injured, the owner of your vehicle (i.e. the rental company) is liable, however the liability is mitigated by compulsory schemes for third party injuries in Australia and New Zealand. This is similar to Europe: the rental company cannot own or rent a car without having third party liability insurance, and as a result, renters do not have any liability (unless you have broken the law). 

In Australia, "third party cover" is provided by a private insurance company, whereas in New Zealand a government insurer called ACC looks after all injuries caused by motor accidents (it is a "no fault" scheme, which means there is no settlement process nor ongoing legal/claim issues for the drivers). 

3. If you did not cause an accident and you are injured 

The liability for your injuries rests with the other driver, who would have the same compulsory insurance that your rental company has for their cars. Your medical costs will be insured by their insurance.

Summary

In summary, if an accident occurs:

  • Injuries to drivers of the other car are insured by third party liability insurance. Third party liability cover is compulsorily held by vehicle owners. Drivers of rental vehicles have no liability for the other driver (unless you were breaking the law, e.g. driving under the influence of alcohol/drugs, etc.)
  • Damages to other cars that are charged out of your excess (and usually called "Third Party Damages" on the bill) by the rental company are always insured by RentalCover.com.
  • Regardless of who is "at fault", you will be required to pay for damages in any single or multi-vehicle accident. RentalCover.com reimburses you those costs straight away and if we determine that the rental company would otherwise reimburse you later on, once their insurer successfully claims from the other driver's insurer, we will collect the funds on your behalf. More information will be provided during the Claims process. 
  • Our policies provide coverage to excess payments that you make to the rental company, so of course we provide coverage to third party damages! Whatever is on the final invoice, we pay!
Here is a checklist of what to expect at the rental desk in Australia/NZ and what to say:
  • Most rental companies offer a waiver that is variously titled "Excess Reduction", "Excess Waiver", "Damage Waiver", or something similar. RentalCover.com's "Zero Excess Rental Cover" is a cheap alternative to this waiver and covers all types of accidents and damages.
  • You will not be offered Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) at the rental desk because - unlike Europe, Asia and the US - the excess for rental vehicles in Australia and NZ is never the full value of the car, it is only somewhere between $500 and $7500, depending on the rental company and vehicle. You will not hear any mention of CDW or LDW
  • You will not be offered Personal Accident Insurance (insures you and your passengers if there is an accident) or Liability Insurance (provides coverage to third party injuries). The former is available to most travellers via their travel insurance policy, and the latter is not required in Australia because car rentals include "third party" liability.
Find out more about what to do at the rental desk in the USA, Canada or the UK/Europe.

Rental Guide: Destination Canada

車輛碰撞險(CDW)/車損盜搶險(LDW)

在加拿大,大多數租車公司會提供車輛碰撞險(CDW)(加上盜竊險後,稱為車損盜搶險(LDW))來減少您在事故中必須要承擔的自付額。大部分租車公司不承保某些特定的損壞類型,例如擋風玻璃和輪胎損壞,但他們的車輛碰撞險(CDW)/車損盜搶險(LDW)有時可將您的自付額減至CAD$500-$2000。一小部分租車公司的車輛碰撞險(CDW)和車損盜搶險(LDW)可將自付額降至CAD$0。使用頁面頂部比較工具了解這些租車公司

如果您不確定您的保額,可核實您的訂車確認郵件並與租車公司溝通,或向我們尋求幫助,我們很樂意為您服務。您可能也希望閱讀我們關於美國租車的常見問題,因為美國跟加拿大的情況很不同,主要是因為美國的租車公司總是免去了自付額,所以發生碰撞時您無需承擔自付額,但有其他“自掏腰包”的費用。這些“自掏腰包”的費用受我們的美國和加拿大附加租車保險(Extra Cover)承保。 


補充第三方責任險(SLI) - 第三方

針對租車公司是否必須為租車購買第三方責任險(也叫補充第三方責任險(SLI),加拿大各省規定不同,且法律要求的最低保額通常很低。這就意味著司機可能需要承擔第三方(即對方司機、乘客和車輛)的財產損壞和人身損失。

各省賠償責任險下限為: 

  賠償責任險最小額  
省份 法律要求的第三方責任險(Third Party Cover) 租車公司的補充第三方責任險(SLI)
阿爾伯特 CAD$200,000 CAD$1-2 百萬
英屬哥倫比亞 CAD$200,000 CAD$1-2 百萬
曼尼托巴 CAD$200,000 CAD$1-2 百萬
新不倫瑞克 CAD$200,000 CAD$1-2 百萬
紐芬蘭 CAD$200,000 CAD$1-2 百萬
新斯科舍 CAD$500,000 CAD$1-2 百萬
安大略 CAD$200,000 CAD$1-2 百萬
愛德華王子島 CAD$200,000 CAD$1-2 百萬
魁北克 CAD$50,000 CAD$1-2 百萬
薩斯喀徹溫 CAD$200,000 CAD$1-2 百萬


如果您的租車訂單中未包含補充第三方責任險(SLI),在取車點,租車公司會提供此險,也叫意外賠償責任險(ALI)或賠償責任險補充(LIS)。租車公司的補充第三方責任險(SLI)保額一般為CAD$1,000,000-$2,000,000。一般來說,我們建議您購買補充租車公司向您提供的這種第三方責任險(SLI)。 

個人意外險(Personal Accident Insurance)(人身傷害)

個人意外險(PAI)承保您和乘客在租車期間的醫療費用、急救和意外死亡。在加拿大,除紐芬蘭和拉布拉多外,各省法律都要求司機購買個人意外險(PAI,也叫意外收益(Accident Benefits)或B類收益(Section B benefits)),但規定保額下限很低(也就幾千加元)。因此租車公司可能會提供額外保險(Extra Cover)作為補充,最高保額可達1百萬加元,足夠承保您或乘客的傷害。

超級車輛碰撞險/車損盜搶險(Super CDW /LDW)

加拿大的租車公司無法免除您全部的碰撞損壞費用(即自付額不為0)時,一些公司可能會提供超級車輛碰撞險/車損盜搶險(Super CDW/LDW)。它們進一步免除了車輛碰撞險(CDW)減免後剩余部分的自付額(在加拿大,通常在CAD$500-2000之間)。RentalCover.com出售可替代這類保險的產品;RentalCover.com的保單價格便宜一半且承保租車公司免責的那些您需“自掏腰包”的損壞相關費用和損壞類型.

Here is a checklist of what to expect at the rental desk in Canada and what to say:
  • With "Extra Cover for Canada", you will not need to purchase any Roadside Assistance Coverage at the rental desk. This policy will also cover you for any "out of pocket" cost resulting from an accident.Read on for more "Extra Cover for Canada" info.
  • If your booking does not already include it, you will be offered Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW, which is CDW plus Theft Protection) at the rental desk. Your booking confirmation will tell you if CDW or LDW is included, and our overview of CDW/LDW in Canada might also be useful. If you are from Canada we recommend bringing your personal car's insurance certificate as it insures you for any car anywhere that you travel. If you don't have your own policy or wish to avoid small claims, you can buy CDW on RentalCover.com (from March 2016 onwards). If you need help identifying if CDW is included in your car booking, please complete the form below. 
  • You will be offered a waiver that is variously titled Super CDW, Excess Waiver, Damage Liability Waiver, or something similar. RentalCover.com's "Zero Excess Rental Cover" is a cheap alternative to this waiver and covers all types of accidents and damages. Read on for an overview of how insurance works in Canada.
  • If it isn't included in your booking, you will be offered Liability Insurance (also called Supplementary Liability Insurance (SLI) and LIS). There is more information in our SLI for Canada/the US FAQ. We recommend purchasing SLI if it wasn't included in your booking. 
  • If it isn't included in your booking, you will be offered Personal Accident Insurance (PAI), which provides coverage for personal injuries that befall you or your passengers as a result of an accident. 
Find out more about what to do at the rental desk in the USA, Australia/NZ or the UK/Europe.

Rental Guide: Destination EU/UK

以下是您在歐洲旅行時,租車公司會向您提供的主要保險產品。目的地國家不同,保險額度与範圍也有所不同。因此,詳細了解租車公司的各個保險的內含選項及目的就顯得格外重要!

車輛碰撞險(CDW)/車損盜搶險(LDW)
適用於非美國居民
當您在歐洲租車時,車輛碰撞險(CDW)(如它包含盜竊險,稱為車損盜搶險(LDW))通常已包含在租車預訂報價中。欲了解租車訂單中是否已包含車輛碰撞險(CDW)或車損盜搶險(LDW),請查閱您的租車預訂確認單。請注意某些國家的某些租車公司提供的租車訂單中不包含車輛碰撞險(CDW)/車損盜搶險(LDW),因此您將需要在取車點購買或單獨購買這類保險。目前,RentalCover.com尚不向非美國居民提供車輛碰撞險(CDW)或車損盜搶險(LDW)。

在歐洲,車輛碰撞險(CDW)和車損盜搶險(LDW)可將您的自付額從全車總價降至一定額度,通常在€/£/$1000-4000之間。請閱讀下文了解更多信息。
 

適用於美國居民
美國居民在歐洲租車時,租車訂單普遍不包含車輛碰撞險(CDW)或車損盜搶險(LDW)。您可從RentalCover.com處購買它們,我們的保費比租車公司出售的同類保單便宜至少50%。欲購買保單,您僅需在RentalCover.com主頁上輸入您的居住國並選擇“車輛碰撞險(CDW)/車損盜搶險(LDW)”。

 

超級車輛碰撞險(Super CDW)/超級車損盜搶險(Super LDW)
適用於所有國家居民

取車點出售“超級車輛碰撞險(Super CDW)/超級車損盜搶險(Super LDW)”保單用以在事故或車損發生後,將您需支付的自付額從€/$/£1,000-4,000降至€/£/$0。

以下是您在歐洲和英國的取車點會遇到的情況和需要說的話:
  • 如您的租車訂單中不包含車輛碰撞險(CDW)或車損盜搶險(LDW,即車輛碰撞險(CDW)外加盜竊險),取車點會提供這些保險。您的租車預訂確認郵件會說明您的租車訂單中是否已包含車輛碰撞險(CDW)或車損盜搶險(LDW),同時我們的歐洲車輛碰撞險(CDW)/車損盜搶險(LDW)概覽可能對您有幫助。購買了我們的碰撞損壞險(Collision Damage Coverage)的美國居民不需要購買租車公司的車輛碰撞險(CDW)。我們建議其他國家的顧客購買租車公司的車輛碰撞險(CDW)。如您需要我們的幫助來確認您的租車訂單中是否已包含車輛碰撞險(CDW),請填寫下方表格。車輛碰撞險(CDW)有一筆自付額(美國稱為可減免自付額),通常在€500至€5,000之間;購買超級車輛碰撞險(SCDW),這筆自付額可降至一定額度。
  • 取車點會提供一個免除險,它有不同叫法,例如超級車輛碰撞險(Super CDW)、自付額免除險(Excess Waiver)、損壞賠償責任免除險(Damage Liability Waiver)等類似名稱,它可將您車輛的自付額從$500-$5000(具體金額取決於租車公司)降至$0。但您不用購買。購買了我們的碰撞損壞險(Collision Damage Coverage)的美國居民不需要購買超級車輛碰撞險(SCDW),因為您的保單沒有自付額 - 您需先行支付車損費用,再由AON為您索賠。對於非美國居民,我們的零自付額租車險(Zero Excess Rental Cover)提供比超級車輛碰撞險(SCDW)更高的保額,而保單價格只是後者的一半。您可閱讀歐洲保險選擇總結
  • 取車點不會提供賠償責任險(Liability Insurance,也叫補充第三方責任險(Supplementary Liability Insurance,SLI)或公民賠償責任險(Civil Liability Insurance),因為這些保險受歐盟監管。我們的常見問題頁面中有關於歐洲第三方責任險(Third Party Insurance)的更多信息
  • 取車點會向您提供個人意外保險(Personal Accident Insurance,簡稱PAI),可承保因事故造成的您或您的乘客的人身傷害。絕大多數旅行保險含個人意外險(PAI),且可在網上購買(目前,RentalCover.com尚不提供此保險)。

Rental Guide: Destination Latin American Countries

US Residents traveling to Latin American countries and Mexico are encouraged to purchase our Collision Damage Coverage plan. All of our plans comply with the CNSF regulations in the Mexican Territory (rental companies may ask you about this). This zero deductible plan is primary coverage so you do not need to file a claim against your auto insurance. Instead, for travel outside the US you would pay the repair costs and AON quickly reimburses you (if you travel within the US, AON handles the full claim themselves).

Here's the two main products sold by rental companies in Latin America:

1. CDW: Collision Damage Waivers (also called Loss Damage Waivers if they include Theft Protection) have a deductible/excess. Depending on the country and rental company the deductible can be between US$500 and US$5,000. Daily cost is up to US$30.
2. SCDW: Super Collision Damage Waivers (which have multiple other names that are designed to confuse renters) reduce the deductible/excess towards $0. The more you pay, the closer to $0 it gets and there's less exclusions. Daily cost is up to US$20.

For US Residents, the Collision Damage Coverage that we sell is equivalent to both of the above so you should purchase neither of them voluntarily from the rental company. US Residents might come across some unscrupulous rental companies who force you to purchase their Collision Damage Waiver (#1 above) in which case you should still refuse their SCDW. Our Collision Damage Coverage will still save you US$10-$20 per day vs SCDW. Unfortunately though, and only in the case scenario where you are forced (ie. rental company not providing you with the car rental), you would have to buy their CDW.

For non-US Residents, our Zero Excess Rental Cover is equivalent to the second waiver type above. At the time of writing, RentalCover.com does not sell a CDW-equivalent policy for non-US Residents picking up in Latin America. Our Zero Excess Rental Cover is at least 50% cheaper. We recommend that you check your rental confirmation to see if you have CDW included. Most booking agency websites and rental companies include it with the booking, but if it is not included and you are not a US Resident with our Collision Damage Coverage, you should purchase CDW but not SCDW.

You might also be sold Roadside Assistance Coverage and Theft Protection. Theft is not required if you are able to use your Collision Damage Coverage for US Residents.

Rental Guide: Destination Namibia/Africa

每個國家和租車公司對於在非洲旅行時的保險要求都不相同。以下信息僅為概覽,我們建議您仔細閱讀您的租車協議,了解保險在您的旅行國具體如何使用。您的租車確認單會顯示您的租車預訂中是否已包含車輛碰撞險(CDW)。購買了我們的碰撞損壞險(Collision Damage Coverage)的美國居民不需購買租車公司的車輛碰撞險(CDW)/車損盜搶險(LDW),也不需購買超級車輛碰撞險(SCDW)/超級車損盜搶險(SLDW): 

車輛碰撞險(CDW)/車損盜搶險(LDW)承保您的租車損壞

在非洲,大多數租車公司將提供車輛碰撞險(CDW)(如它包含盜竊險,也叫車損盜搶險(LDW/Loss Damage Waiver)用以在事故發生後,減免您必須支付的可減免自付額。車輛碰撞險(CDW)和車損盜搶險(LDW)將可減免自付額從全車總價減至US$2000(ZAR31000)。 


我們針對美國居民的碰撞損壞險(Collision Damage Coverage)與車輛碰撞險(CDW)功能相同,但價格僅為後者的一半。如您的車輛發生損壞,您需先支付維修費用,再向AON申請索賠,並獲得退款。對於非美國居民,我們建議您購買租車公司的車輛碰撞險(CDW)。

 

超級車輛碰撞險(Super CDW)/超級車損盜搶險(Super LDW)可減免自付額

歐洲、澳大利亞和新西蘭的租車類似,車輛碰撞險(CDW)& 車損盜搶險(LDW)在非洲也有著很高的自付額,可通過超級車輛碰撞險(SCDW)/超級車損盜搶險(SLDW)來減免。自付額通常在US$1500-$2000 (ZAR27000),可通過購買超級車輛碰撞險(SCDW)或超級車損盜搶險(SLDW)來減免。 RentalCover.com的 零自付額租車險(Zero Excess Rental Cover)與超級車輛碰撞險(SCDW)/超級車損盜搶險(SLDW)類似,但價格僅為後者的一半,且我們承保租車公司收取的所有與車損相關的費用以及所有類型的事故和損壞,包括租車公司的免責項目,例如 擋風玻璃、頂燈、輪胎、底盤、車頂和衝撞動物造成的損壞。

賠償責任險(Liability Insurance)/補充第三方責任險(SLI)承保第三方傷害

面向前往非洲旅行的遊客的絕大多數租車訂單都包含了補充第三方責任險(SLI,也叫意外責任保險(Accident Liability Insurance/ALI)或責任保險補充(LIS))。如您不確定您的保單包含的具體內容,歡迎您郵件咨詢我們。目前我們並不提供賠償責任險。 

非洲絕大多數國家都要求司機自行購買第三方責任險。這類保險可承保司機與其他車輛或行人發生的事故。重要的是,非洲的不同地區涵蓋了多個國家,各個地區對各自的第三方責任險都有立法規定。賠償責任卡(即第三方責任險證書/保單)將承保您在某一特定地區的損失(即保單可以跨國)。這些地區是:

  • 東部和南部非洲共同市場(COMESA,Common Market for Eastern and Southern Africa):通常稱為黃卡(Yellow Card),承保國家包括布隆迪、吉布提、剛果共和國、厄立特裏亞、埃塞俄比亞、肯尼亞、馬拉維、盧旺達、蘇丹、坦桑尼亞、烏幹達、贊比亞和津巴布韋,但它不承保您購買保單的國家(即您需要在抵達目的地前購買保單)。南非不屬於COMESA地區。
  • 中非貨幣經濟共同體(CEMAC,Economic and Monetary Community of Central Africa):通常稱為粉卡(Pink Card),承保國家包括喀麥隆、中非共和國、乍得、剛果、加蓬和赤道幾內亞。
  • 西非國家經濟共同體(ECOWAS,Economic Community of West African States):通常稱為棕卡(Brown Card),承保國家包括貝寧、布基納法索、岡比亞、加納、幾內亞、幾內亞比紹、科特迪瓦、利比裏亞、馬裏、尼日爾、尼日利亞、塞內加爾、塞拉利昂和多哥。佛得角是西非國家經濟共同體(ECOWAS)中唯一不受保的國家。
  • 阿拉伯聯盟(AL,Arab League):通常被稱為橘卡(Orange Card),承保國家包括北部非洲和中東 - 阿爾及利亞、巴林、埃及、伊拉克、約旦、科威特、黎巴嫩、利比亞、毛裏塔尼亞、阿曼、卡塔爾、沙特阿拉伯、索馬裏、敘利亞、阿聯酋和也門。摩洛哥和突尼斯受歐洲綠卡(European Green Card)承保。科摩羅和巴勒斯坦不受此卡的協議承保。

個人意外險(PAI)承保您和您的乘客的傷害

個人意外險(PAI,Personal Accident Insurance)承保您和您的乘客在租車旅行中的事故醫療費用、急救和意外死亡。某些公司會出售額外個人意外險(extra PAI cover)作為可選保險產品,這類產品在您或您的乘客發生人身傷害時將提供更好的保障。歡迎使用頁面頂部的比較工具比較租車公司和RentalCover.com的保險產品

Rental Guide: Destination United States

This is a summary of the main products offered by the rental companies for travel in the USA. In the US it is not mandatory for car owners (i.e. the rental companies) to insure hired cars nor is it mandatory for them to insure the drivers against third party personal & property damage (this is called "Liability Insurance" or "Supplementary Liability Insurance"), nor personal injury to the driver (called "Personal Accident Insurance"). Those responsibilities fall to the renter. This is not the case in the EU, Australia, NZ and most other countries so it is important that you understand the options and purpose of each insurance product that you will be offered by the rental companies! The other main difference to other countries is that the rental companies do not offer "Super CDW", "Super LDW" or equivalent "premium" insurance products. When sold in Europe and most of the World, these products are designed to reduce your excess towards zero from an amount that is usually between €/£/$1,000-4,000. In the US all rentals are sold with either the renter being liable for the full amount of the vehicle, or there is zero deductible excess: there's nothing in between! Our "Extra Cover for USA" fills the considerable "out of pocket" costs that still remain even when there is no deductible excess.

CDW/LDW

From March 2016 onwards, RentalCover.com will be selling CDW for US residents from AON. When you purchase CDW from the rental companies it is usually called "LDW" if it includes theft protection, so our policy is equivalent to LDW. The only difference between a CDW offered independently by us versus the policy offered at the rental desk is that your insurance company (AON) will handle the payments to the rental company for any damages, whereas there is no reimbursement/recovery process if you purchase the rental company's CDW/LDW.

It is important to know if your booking contains CDW or LDW! If it doesn't have it already and you are a US resident, you can buy it from RentalCover.com. If you are not a US resident, we always advise that you make sure your car booking includes CDW/LDW from the rental company. 

There are differences in how the websites of rental companies present CDW/LDW to international drivers vis-à-vis their agents (an "agent" might be an airline, hotel or a price comparison site):

1. For international drivers, the vast majority of websites will automatically include CDW or LDW. If for some other reason CDW or LDW is not automatically included, it will be available at the rental desk. Please read carefully when booking and check your car confirmation!

2. If you book from within the US or are a US resident, CDW/LDW will not be included by default. You can buy a policy from RentalCover.com and save approximately 50% or add it at the rental desk. Sometimes you can add it on the website at the time of booking. Most US domestic travellers can rely on their credit cards or personal motor insurance, however the excess on those policies often outweighs the cost of rental vehicle repairs.

SLI (Supplementary Liability Insurance)

Rental companies also offer insurance for third party property and third party personal that is usually called SLI ("Supplementary Liability Insurance") or LIS or simply, "Liability". SLI provides coverage for claims relating to third parties, namely third party property and third party injury. These policies have coverage limits so you should be conscious of how much is reasonably needed in the event of a major accident and/or negligence. Given the potential liability we always stress to drive carefully in the US and always purchase SLI from the rental company.

At the time of writing, RentalCover.com does not sell SLI.

Please also refer to our "What is SLI?" FAQ

Theft Protection

Theft Cover is also called Theft Protection and it may or may not provide coverage to arson and vandalism, depending on the policy. There will always be limitations surrounding negligence. We encourage you to read the relevant terms to check if your policy includes theft. Note also that RentalCover.com's "CDW" and "Extra Cover for USA" policies include theft, arson and vandalism. 

PAI (Personal Accident Insurance)

PAI provides coverage to you and your passengers for personal injuries up to a certain limit. PAI is included automatically when an international driver books a car on either the rental company's website or via the website of an agent/airline/price comparison service. Please check the coverage limits on your policy if you have or intend to have personal accident insurance to determine if the cover is adequate. Check out our "What is PAI (Personal Accident Insurance)?" for examples and further detail.

Roadside Assistance

RentalCover.com's "Extra Cover for USA" policy includes free Roadside Assistance and it provides coverate to related costs such as callout fees, towing, fuel topup, tyres, windscreen repair, etc., plus the considerable out of pocket costs that you might incur (such as impound storage fees, key loss/replacement, headlight/battery repair/replacement, fire and theft, "relocation fees" to get the vehicle back to its intended destination, card fees that are applied along the way, administration/processing fees for accidents, and "loss of use" fees that are charged while the vehicle is off the road being fixed).

正如美國 常見問題所示,在美國的保險選擇与英國/歐盟、澳大利亞/新西蘭及亞洲的保險不同。這是因為美國面向全球遊客的租車通常都包含了零自付險(即在車輛事故中無自付額),取車點也提供道路救援服務,您可自行決定是否需要。

租車公司在取車點提供的道路救援服務收費為5-10美元/天,承保了一些基礎項目,例如某些燃料,有時也承保一個輪胎或電池充電。

在此基礎上,我們為你提供了一個更實惠的道路救援產品,將承保您可能遇到的各類支出,包括拖車費、扣押費、鑰匙更換、電池更換、擋風玻璃/輪胎/車燈維修或更換以及外出服務費和其他維修費用。您也可以索賠因車輛故障導致提前終止行程所造成的損失。我們也承保租車公司因事故而向您收取的額外費用,主要包括信用卡扣費、管理費/手續費和停駛損失費(即車輛在維修期間,因無法上路或租賃造成的損失)。

重要事項:道路救援

RentalCover.com的道路救援合作商是Urgently ,是北美排名第一的道路救援網絡。Urgently 的熱線電話請查看我們的App(AppleAndroid)和您的保單確認郵件。請嚴格按照流程操作 - 如您不選擇Urgently ,您可能會支付高昂的道路救援費。如您選擇Urgently ,我們將為您直接向Urgently 支付道路救援費,但如您選擇租車公司的道路救援商,您需先自行支付費用,再通過 索賠 獲得道路救援和其他“自掏腰包”的費用的退款。

遇到緊急故障該怎麼辦

Urgently 免費熱線:請查看您的保單確認郵件和我們的App(AppleAndroid)。我們將以您的名義支付Urgently 的賬單,或退還您向租車公司支付的道路救援費。

道路救援:具體操作視損壞/事故/機械故障類型而定!

  • 事故:請先諮詢租車公司您可否選擇您希望的拖車公司,獲得允許後,您需要獲得車輛運送目的地的信息,并聯繫Urgently
  • 電池:請聯繫Urgently
  • 燃料:請聯繫Urgently
  • 頂燈及其他車燈:請聯繫Urgently
  • 鑰匙丟失或鑰匙被鎖車內:請聯繫Urgently
  • 機械故障:請先諮詢租車公司您可否選擇您希望的拖車公司,獲得允許後,您需要獲得車輛運送目的地的信息,并聯繫Urgently
  • 輪胎:請聯繫Urgently
  • 擋風玻璃:請聯繫Urgently

當您聯系Urgently 時:

  1. 請提供您的RentalCover.com預訂單號(以“INS”結尾)
  2. Urgently 將為您派出拖車
  3. 拖車抵達後,請隨車一同前往車輛運送目的地
  4. 我們將以您的名義向Urgently 付款。


如您向租車公司支付了道路救援或其他費用,請訪問www.rentalcover.com/claim。我們建議您從App商店Android下載我們的App,以便隨時查看上述信息!

美國附加租車保險(Extra Cover for the USA)是由RentalCover.com向非美國居民提供的一項綜合保險,承保租車公司不承保的項目和許多在事故和故障中您可能遇到的自理費用。

了解如何使用我們的道路救援會多您有所幫助。如您按照我們的確認郵件中的指示操作,您可能會發現,有些道路救援是由我們的道路救援網絡Urgently提供的。 Urgently因其良好的服務而獲獎無數,被稱為是“道路救援的Uber”。您無需打電話,只需點擊鏈接,他們就會派車前往您所在位置,並且我們將以您的名義支付Urgently的賬單。至於其他一些道路救援,包括機械故障和碰撞,您需要聯繫租車公司的道路救援服務。您需要先向租車公司支付相關費用,再通過提交索賠,向RentalCover.com要求退款。通常,我們會在當天處理並支付美國附加租車保險(Extra Cover for the USA)的索賠。
 

想了解更多有關適用於美國的保險類型,請閱讀我們的美國租車保險概覽。您可能也喜歡這篇文章

 

、以下是您在美國的取車點會遇到的情況和需要說的話:
  • 取車點會向您提供道路救援保險(Roadside Assistance Coverage),但您不用購買。作為替代,您可購買RentlaCover.com的美國附加租車保險(Extra Cover for USA),如您遇到事故或機械故障,它將承保各類您需要“自掏腰包”的費用。它也承保車輛被盜和租車公司會向您收取的高額費用,例如停駛損失費(即維修期間,車輛因無法上路造成的損失)、重置車輛費(用於將車輛運回原定停放點)和管理費(用於準備處理車輛碰撞時所需的文件材料)。請閱讀更多關於美國附加租車保險的信息
  • RentalCover.com 也銷售碰撞損壞險(Collision Damage Coverage),等同於租車公司出售的車輛碰撞險(CDW)或車損盜搶險(LDW,即車輛碰撞險(CDW)加盜竊險(Theft Protection)),但我們的碰撞損壞險(Collision Damage Coverage)價格至少優惠50%。如您已購買我們的碰撞損壞險(Collision Damage Coverage)(不管是為單程旅行上保還是以年度保單形式購買),您就不再需要車輛碰撞險(CDW)。如您的租車已經包含了租車公司提供的車輛碰撞險(CDW),租車點不會再向您推薦車輛碰撞險(CDW)。我們的美國車輛碰撞險(CDW)/車損盜搶險(LDW)概覽也許會對您有幫助。
  • 如您的租車訂單中未包含賠償責任保險,取車點會向您提供該險(也叫補充第三方責任險(Supplementary Liability Insurance,簡稱SLI)或賠償責任保險補充(LIS))。在我們的“美國補充第三方責任險常見問題”中了解更多信息。如您的租車訂單中未包含補充第三方責任險(SLI),我們建議您另外購買。
  • 如您的租車訂單中未包含個人意外保險(Personal Accident Insurance,簡稱PAI),取車點會向您提供該險,可承保因事故造成的您或您的乘客的人身傷害。絕大多數旅行保險均含個人意外險(PAI),且可在網上購買(目前,RentalCover.com尚不提供此保險)。 
了解更多在澳大利亞/新西蘭加拿大英國/歐洲的取車點需要做的事項。

Our Collision Damage Coverage plan is for US Residents and has a $0 deductible. As it's primary coverage you do not have to make a claim against your auto insurance. Additional drivers who are on the rental agreement with you are covered free of charge and it's a zero deductible plan. 

As outlined in our general overview of car rental insurance in the USA, the insurance options are different to the rest of the World. The US is a zero deductible market, so there's no repair costs to pay if you have Collision Damage Coverage. The only costs to pay are collision-related fees that are charged by the rental companies such as "loss of use", relocation and administration fees (all are included in our Extra Cover product).

All other countries have a deductible (called "excess" outside of the US). There are consequently two policies to be aware of:

1. CDW: Outside of the US, Collision Damage Waivers (also called Loss Damage Waivers if they include Theft Protection) provide coverage up to the full value of the car, but they also have a deductible/excess. Depending on the country and rental company the deductible can be between US$500 and US$5,000.
2. SCDW: Outside of the US, Super Collision Damage Waivers (which have multiple other names that are designed to confuse renters) reduce the deductible/excess towards $0. They do not exist in the US because the US is a zero deductible market. With SCDW, the more you pay, the deductible/excess gets closer to $0, and there's less exclusions such as windscreens & tires.

Please see our FAQ entitled "What to do at the rental desk in Latin American countries" and there's more details in our rental guides for USEurope, Australia/NZ, Canada and Africa

AON handles claims on your behalf once you file a claim or inform them of the incident (check your Policy Wording or confirmation emails for details). For travel outside of the US, you would may be required to pay the rental company and then AON will reimburse you. If you are unable to pay, AON will step in to pay on your behalf. Read on for more information about claims for "Collision Damage Coverage".
 

Rental Guide: Destination Worldwide

在租車點您應該做什麼取決於您在哪國取車以及您的居住國。

澳大利亞、新西蘭
加拿大
歐盟/英國
美國居民
在美國的遊客
拉美和墨西哥
亞洲 

已購買我們的碰撞損壞險(Collision Damage Coverage)的美國居民請參考上文選項。
 

Rental Guide: Insurance products

自付額(excess)或賠償責任(liability)是指在車輛事故中您需承擔的損失。租車公司均提供不同的保險產品來降低您的自付額。在如美國、加拿大、墨西哥等國家,租車公司在原定價中不包含任何保險,因此,您的自付額為全車總價。但在如澳大利亞和新西蘭等國家,租車公司不得將這一風險轉嫁給客戶。而在英國和大多數歐盟國家,大多數車輛都有不同程度的自付額減免。

車輛碰撞險(CDW)是指將自付額從全車總價降至一定額度(通常為 €/£/$1000-2000)的保險產品。將您的賠償責任進一步降至€/£/$0的保險產品稱為超級車輛碰撞險(Super CDW)(在澳新也叫自付額減免(Excess Reduction))。損壞賠償責任費和其他不同名字的保險產品的目的是一樣的。車輛碰撞險(CDW)与盜竊險的複合產品叫作車損盜搶險(LDW)。超級車輛碰撞險(Super CDW)与盜竊險的複合產品叫超級車損盜搶險(Super LDW)。

在某些國家(包括英國、歐盟、澳大利亞、新西蘭和大多數亞洲國家),車輛所有人(即租車公司)被強制要求購買第三方責任險。在美國,則由司機購買。不同地區對於第三方財產險(即對方車輛的損壞)和第三方人身險(即對方司機或乘客的受傷情況)的政策也有所不同

 

歐洲

在歐洲,車輛所有人被強制要求購買第三方責任險(也叫市民賠償責任),這一保險承保對對方車輛造成的損壞和對對方司機造成的傷害。沒有第三方責任險,車輛是不可以上路的。這一保險既不由租車公司銷售,也不由RentalCover.com獨立提供。

閱讀此條常見問題,了解歐洲保險選擇的更多信息


美國、加拿大、墨西哥和南美洲

在美國和南美洲部分國家,司機有責任購買第三方責任險。在這些國家,取車點會提供補充第三方責任險(SLI,或叫賠償責任險補充(LIS)),有時您也可在租車公司網站上購買補充第三方責任險(SLI),這一保險承保租車司機對其他車輛的司機及乘客造成的傷害(稱為第三方傷亡險或第三方人身險)以及對方車輛遭受的損壞(稱為第三方財產險)。美國的部分州強制要求所有車輛,包括租車公司,都購買補充第三方責任險(SLI)。但這些州要求的最低保額通常非常低,因此建議您考慮購買一份第三方責任險。目前RentalCover.com不提供補充第三方責任險(SLI)。

閱讀此條常見問題,了解美國保險選擇的更多信息

 

澳大利亞和新西蘭

在澳大利亞和新西蘭,車輛所有人(即租車公司)被強制要求購買第三方傷亡險,否則車輛無法登記和上路。在新西蘭,第三方人身傷亡險經由政府項目ACC提供,且不向雙方司機追責。第三方財產險(即對對方車輛造成的損壞)通常是綜合保險(comprehensive insurance)的一部分,但租車公司常常因第三方損壞向司機收費,從您的自付額中扣除,跟擋風玻璃更換或拖車費的收費方式差不多。結果就是即使司機並未造成第三方的任何損失(對方車損已由對方的保單承保),租車公司還是會以第三方車損為由向司機收費。因此,租車公司可以從事故中牟利!RentalCover.com的所有保單都承保這類第三方損壞(即從您自付額中扣除的費用),以保單額度為上限。請註意,即使事故不由您造成(即您不是“過錯方”),一些租車公司也可能會從您的自付額中扣費。RentalCover.com的保單不區分誰是“過錯方”,但如果司機不是“過錯方”並且最終收到了先前支付的自付額的退款,我們將執行一套單獨的程序處理這種狀況。

總之,RentalCover.com的保單不區分車損類型,它們統統被承保!是的,第三方損壞也受保。

果不其然,澳大利亞消費者監管部門一直在起訴租車公司的不公平行為,我們希望澳大利亞和新西蘭的監管部門可以仔細調查租車公司是如何通過添加莫須有的“第三方損壞”來扣取自付額的。 

閱讀了解澳大利亞租車保險的詳情

當車輛發生事故時,您需要向租車公司支付一筆費用,叫作“自付額”或“賠償責任”。租車公司會提供車輛碰撞險(CDW)以使您在事故中承擔的自付額從全車總價降至一定額度。車輛碰撞險(CDW)可將您的自付額降至€/£/$0(在美國和加拿大尤為典型)或降至€/£/$1,000-€/£/$3,000(歐洲、澳新及除北美外的所有市場均符合這一類情況)。為將剩餘的自付額進一步降至0歐元/美元/英鎊,租車公司會提供“超級車輛碰撞險”(Super CDW)和“超級車損盜搶險”(Super LDW)(包含了車輛碰撞險CDW和盜竊險)。儘管保險名稱不同(例如澳大利亞和新西蘭稱之為“自付金額減免險”),但保險目的是相同的。

 

以下信息僅適用於美國地區的客戶,其他地區客戶請查看各地專門的常見問題

 

補充第三方責任險(Supplementary Liability Insurance)承保您對其他車輛和司機造成的損失。在某些國家,第三方責任險由車輛所有人,也就是租車公司,強制提供。但美國的大多數州不要求車輛所有人必須提供第三方責任險,這就意味著司機有可能要為事故中的財產和人身損失承擔費用。 

如果您將前往這些州,租車公司將向您提供補充第三方責任險(SLI)(也叫意外責任險ALI),承保額度通常為$1,000,000-$2,000,000不等。一般而言,如果租車公司提供了補充第三方責任險(SLI),我們建議您購買它。

 

索賠案例

RentalCover.com 的客戶Keith Richards將要去加利福尼亞度假,享受當地的陽光。當Keith去取車點取車時,工作人員向他解釋說在當地,租車公司沒有義務承擔第三方損失,但他們為客戶提供補充第三方責任險(SLI)。

為了讓狂野的假期沒有後顧之憂,Keith決定購買該保險。不料,幾分鐘後,他的這個決定就發揮了重要作用,因為Keith在倒車時撞上了取車點老闆的寶馬。

經過漫長的索賠流程後,Keith拿回了先前維修寶馬所支付的全部費用,現在,他的陽光之旅終於可以重新啓程了。

 

保險額度通常有多少?

在美國,各州關於第三方責任險是否是強制的,有著不同的規定。法律規定的最低保額通常也很低,但多數補充第三方責任險(SLI)供應商會承保1-2百萬美元,特殊情況下,甚至會高達1千萬美元。

 
  最低依法保險額度  
單人 多人 財產 供應商承保額度
加利福尼亞 $15,000 $30,000 $5,000 $1-2 百萬
佛羅里達 $10,000 $20,000 $10,000 $1-2 百萬
內華達 $15,000 $30,000 $10,000 $1-2 百萬
紐約 $25,000 $50,000 $10,000 $1-2 百萬
其他 $10-5萬 $30-10萬 $5-2.5萬 $1-2 百萬
 

如果我不是事故過錯方,我是否被承保?

一般而言,您不被承保。大多數情況下,只有當您是過錯方時,您可申請索賠第三方責任險。唯一的例外情況是,雖然您不是直接過錯方,但法庭判定您對第三方的損失負有責任。當然,具體情況視乎您的保單條例。

 

當您不是事故過錯方時

RentalCover.com 的客戶Eric Clapton打算租車去加利福尼亞拜訪朋友。就在他拐彎時,一個出租車司機突然違規掉頭,撞上了Eric的車。然而,由於Eric不是過錯方,他的補充第三方責任險(SLI)不需要承擔對方車輛的損失。

 

索賠流程如何進行?

您需要直接聯繫租車公司的保險供應商,進行索賠,供應商會要求您填寫索賠申明,并提供与您的保險和索賠相關的材料(通常包括保險證書、收據、發票複印件和保單報告,以及第三方有關車輛損壞或人身傷害的證明)。

以下信息僅針對美國客戶,欲瞭解其他地區的信息,請您查閱各地專門的“常見問題”

 

個人意外險(PAI)承保租車期間,您和乘客的治療費用、急救和意外死亡。保險額度有上限。如您已經購買了個人意外險(PAI)或正在考慮購買,請查閱您的保險額度以確保您的個人意外險額度足夠覆蓋您可能需要的開支。 

具體案例

RentalCover.com 的客戶Bob Geldof將与他的樂隊一同出發去美國,展開一場長途旅行。Bob認為搭乘觀光巴士不是很環保,因而決定租車前往。但他很快意識到,要租那麼長時間的車其實非常貴,於是,為了省錢,Bob沒有購買任何額外保險。

在橫穿底特律時,Bob聽著收音機上自己的歌,有些分心了,他沒有注意到停在前面的車,發生了追尾。儘管只是小擦碰,Bob的背卻疼得厲害,他覺得還是叫救護車比較保險。進醫院後,Bob被診斷為頸部扭傷,需要住院一周。

Bob不得不取消餘下的行程,但當他嘗試為他的意外受傷申請索賠時,他發現由於租車時沒有購買個人意外險(PAI),他無法索賠救護車和其他治療費用。現在,悲催的Bob不得不自己承擔上千元的住院費。

 

標凖保險額度是多少?

下表是美國的保單簽發人提供的標凖保險額度:

索賠項目 標凖保額
司機意外死亡 $100,000 to $200,000
乘客意外死亡 $10,000 to $30,000
意外傷害治療費 $2,500 - $5,000
救護車險 $250 - $500
 

索賠程序如何進行?

如您或乘客由於駕駛/乘坐您租用的車輛而受傷,您需直接聯繫租車公司的保險供應商,進行索賠。您通常都需要填寫一份索賠表格,並提交您的保單的詳細內容、收據、就醫費用的發票(包括醫院內的開支和叫救護車的費用)。如有人員死亡,其直系親屬可向保單簽發人申請索賠,並提供關於事故的詳細材料。

RentalCover.com的所有保險均承保盜竊、火災和人為破壞。大多數租車公司會在網站或取車點為你提供名為“盜竊險”(Theft Protection)的保險產品。當您的車輛被偷時,盜竊險能承保一定額度的損失。在美國和歐洲的部分地區,盜竊險作為獨立的保險產品進行銷售,在澳大利亞、新西蘭及歐洲的其他地區,盜竊險作為額外必須的一部分提供給客戶。

部分租車公司也會在您的車輛碰撞險(CDW)中包含盜竊險, 此時的保險產品被稱為車損盜搶險(LDW)。 請查閱您的保單條例或聯繫保險供應商瞭解你的保險內容。

What happens if there's an accident?

You pay the rental company and we reimburse you the repair cost.

What if the excess charged by the rental company exceeds the repair cost?

If its a single vehicle accident the difference will be repaid within a week. Once that refund takes place we are ready to pay you the outstanding amount. This is why our target for claims payments is 7 business days.

If its a multiple vehicle accident it's a different story. Keep reading...

What's the process if there's more than one vehicle in the accident?

The rental company will deduct your full excess until the insurers close the case.

So summarise what that all means!

The rental company will deduct the full excess amount if there's significant damage to the vehicle. Timing for your refund will differ based on:

1. If the accident involves your vehicle only, you will get a refund soon after the repairs are done.
2. If the accident involves two or more vehicles, the rental company will keep your full excess until the insurers close the case. Your rental company will refund you either:
a) The excess charges less repair costs, or
b) the full excess if your rental company refunds drivers who are not at fault.

For any other questions, please don't hesitate to call us!

Discount Rental Car Insurance


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