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data-id="20883">碰撞险保障的内容是什么？</a></li> <li><a href="javascript:;" data-id="20882">盗窃险保障的内容是什么？</a></li> <li><a href="javascript:;" data-id="20921">什么是基本第三者责任险 ？保障的内容是什么？</a></li> <li><a href="javascript:;" data-id="20920">什么是起赔额？</a></li> <li><a href="javascript:;" data-id="20923">门店常见的增值补充保险有哪些？</a></li> <li><a href="javascript:;" data-id="20952">取车时店员推销保险和服务，可否不买？</a></li> </ul> <span class="show-all-menu"><em>展开</em><i class="help-icon help-icon-q-open"></i></span> </div> </div> <div class="search-result"> <div class="content-items"> <div id="anchor-20884" class="item"> <div class="item-title"><span>租车订单一般包含哪些基本保险？</span></div> <div class="item-content"><p>租租车境外租车的订单租金一般都包含租车所需的<strong>基本保险：碰撞险（Collision Damage Waiver）、盗窃险（Theft Protection）和基本第三者责任险（Basic Third Party Liability，简称为TPL）</strong>。部分地区或租车公司可能提供的是碰撞险和盗窃险合并的车损盗抢险（Loss Damage Waiver）。</p><p><br /></p><p>如果您觉得基本保险不能满足您的保险需要，有三种方式可以满足您的需求。</p><p>1. 您可以查看您需要的车型是否有提供更多保险保障的套餐。</p><p>2. 您可在租租车购买“<a href="http://ins.zuzuche.com/car.php" target="_blank"><span style="color:#3333ff;">超级补充全险</span></a>” “<a href="http://ins.zuzuche.com/pai.php"><span style="color:#3333ff;">超级全车驾乘险</span></a>”，加强保障。</p><p>3. 您也可在门店办理取车手续时选购其他的附加增值类补充保险。</p></div> </div> <div id="anchor-20883" class="item"> <div class="item-title"><span>碰撞险保障的内容是什么？</span></div> <div class="item-content"><p>碰撞险(Collision Damage Waiver)可<strong>免除<span style="color:#ff0000;">自己所租</span>车辆在租期内产生的车损超过起赔额以上的费用</strong>，您只<span style="color:#ff0000;"><strong>需承担起赔额以内的费用</strong></span>即可，但下面列出的几种情况无法免除您的赔偿责任并需要您支付相应车辆损坏所产生的全部费用。</p><p><br /></p><p>车辆碰撞险不包括的情况有（<strong>举例</strong>，具体情况以合同规定为准）：</p><p><br /></p><p>1、对车窗/风挡玻璃，内饰，车轮，车胎，车底盘或车顶造成的损害</p><p>2、由于不爱惜车辆，而在山路、砂石路等非正常公路行驶而造成车辆的损害</p><p>3、驾车者酒后或服用药物后驾车</p><p>4、驾车者的名字并未出现在租赁协议上</p><p>5、未被授权的第三方牵引租赁车辆而造成的损害</p><p>6、严重违反当地法律法规的情况</p></div> </div> <div id="anchor-20882" class="item"> <div class="item-title"><span>盗窃险保障的内容是什么？</span></div> <div class="item-content"><p>盗窃险（Theft Protection 简称TP）可免除<span style="color:#ff0000;"><strong>自己所租车辆</strong></span><strong>在租期内被盗窃所产生的超过起赔额以上的费用，您只需<span style="color:#ff0000;">承担起赔额以内的费用</span>即可。</strong>这部分费用将在您所缴纳的车辆押金中扣除。如有需要您可在当地租车公司购买独立的防盗险自付额补充保险。 </p><p><br /></p><p>关于车钥匙丢失：</p><p>在车辆租期内，如钥匙丢失、损坏或被偷盗，您将承担由此而产生的费用以及支付额外的押金。如果钥匙丢失、损坏或被盗与车辆被盗有直接关系，那么车辆因盗窃所产生的损失费用将会由您全额承担，具体费用由租车公司进行核定。<br /></p></div> </div> <div id="anchor-20921" class="item"> <div class="item-title"><span>什么是基本第三者责任险 ？保障的内容是什么？</span></div> <div class="item-content"><p>基本第三者责任险（Basic Third Party Liability，简称为TPL）一般保障事故时<strong><span style="color:#ff0000;">第三方的人身伤亡和财产损失</span></strong>。通常国外法律规定，所有的车辆都必须购买基本第三者责任险。</p><p></p><p class="p" style="margin: 0pt; padding: 0pt; vertical-align: baseline; line-height: 16.5pt;"><span style="color:#ff0000;">某些第三者责任险有起赔额，购买时一定要注意保险合同条款。</span><br /></p><p>第三者责任险在各个国家地区都有<strong>一定的保险覆盖上限</strong>。如美国当地一般赔付额度较低，可以考虑购买加强型第三者责任险（<span style="font-family: Avenir, Helvetica, Arial, sans-serif;">Supplementary Liability Insurance</span>）。其他国家或地区的基本第三者责任险一般赔付额度较高。</p></div> </div> <div id="anchor-20920" class="item"> <div class="item-title"><span>什么是起赔额？</span></div> <div class="item-content"><p>基本保险会设置起赔额：<strong>起赔额是保险赔付的起赔线</strong>。</p><p><br /></p><p>例如，某基本保险的起赔额是1000美元（EXCESS：USD1000），则代表如果用户所租用的车辆在租车期间发生碰撞，若碰撞所发生的车损费用低于1000美元，则由用户自己承担该费用；若发生的车损费用大于1000美元，1000美元以内的部分由承租人承担，超过1000美元的部分（且该部分车损在承保范围内）则由门店的保险公司承担。</p><p><br /></p><p>以下国家及地区的起赔额范围供您参考：</p><p><strong>美国：</strong>车辆承保的碰撞险、盗窃险，起赔额为零，在承保范围内，承租人通常无需承担任何责任。</p><p><strong>加拿大：</strong>车辆有300-500加元的起赔额。</p><p><strong>欧洲：</strong>对于大部分国家（如德国、法国、英国、意大利、西班牙、比利时、瑞士、荷兰），根据所租车型不同，车辆一般有750-1800欧元的起赔额。</p><p><strong>澳大利亚：</strong>车辆有2200-3500澳元的起赔额，根据所租车型不同，最高可达5500澳元。</p><p><strong>新西兰：</strong>车辆有3450-4100新西兰元的起赔额。</p><p><strong>泰国：</strong>车辆有4280-10700泰铢的起赔额。</p><p><strong>马来西亚：</strong>车辆有1000-10000林吉特的起赔额。</p><p>以上只是举例，具体起赔额以所选套餐的保险详情为准。</p></div> </div> <div id="anchor-20923" class="item"> <div class="item-title"><span>门店常见的增值补充保险有哪些？</span></div> <div class="item-content"><p><strong>1、道路救援： ROAD SAFE/ ROADSIDE ASSISTANCE/ ROAD SIDE PLUS</strong><br /></p><p>此项目可豁免或降低承租人在用车时需要使用道路救援服务所产生的相关费用。通常是按天收取费用且须支付对应税费。</p><strong><br />2、玻璃/轮胎豁免险：GLASS/ TYRE WAIVER</strong><br /><p>此项目可豁免或降低承租人对损坏的车窗或轮胎所产生的相关费用。通常是按天收取费用且须支付对应税费。</p><strong><br />3、个人保护计划： PERSONAL PROTECTION PLAN 简称PPP</strong><br /><p>在车辆租期内，如果因事故发生死亡或受伤的情况，个人保护计划将为<span style="color:#ff0000;"><strong>主驾驶和乘客</strong></span>提供赔偿。如果主驾驶员在租赁开始时就购买个人保护计划，则主驾驶员将得到全天候的保护，即无论事故发生的时间是否在车里都将获得相应的赔偿。而搭乘者仅在事故发生时乘坐在车里才能得到保护。</p><span style="color:#ff0000;">个人保护计划包括：个人意外险和车内财物盗窃险。</span><br /><br /><strong>4、人身意外伤害保险：Personal Accident Insurance 简称PAI</strong><br /><p>一般情况下，PAI可为<span style="color:#ff0000;"><strong>主驾驶员</strong></span>在发生意外死亡或人身伤害事件的时候提供保障。部分车行此保险也包括承租人的乘客（具体保额可能与主驾驶员有所差异）。如果您已购买个人旅游保险，请仔细检查保险公司投保项目，看看提供的保障是否足够。通常是按天收取费用且须支付对应税费。</p><br /><p><strong>5、车内财物盗窃险：Personal Effects Insurance 简称PEI</strong><br /></p><p>在租期内，车内相关物品（现金和有价证券除外）因失盗发生损失时的保险。<span style="color:#ff0000;"><strong>保险对象只限于签约者及其直接家庭成员</strong></span>。通常会设置每人最高赔偿金额和每起事故最高赔偿金额，详情请向门店工作人员询问。通常是按天收取费用且须支付对应税费。</p><p><br /></p><strong>6、全面覆盖险： FULL COVER/ SUPER COVER</strong><br /><p>这是一个补充性保险方案，其中包括车辆碰撞险，盗窃险(CDW)和第三者责任险(TPL)，并且极大地<span style="color:#ff0000;"><strong>减少了起赔额，</strong>但购买时仍应当注意保险套餐中对起赔额的约定</span>。<span style="color:#ff0000;">它通常不包括人身意外伤害保险或玻璃/轮胎豁免</span>。通常是按天收取费用且须支付对应税费。</p><p><br /></p><span style="color:#ff0000;">FULL COVER属于有限度保障</span>，因事故产生的停运费、税费和手续费一般不在保障范围内。<br /><p><span style="color:#ff0000;">SUPER COVER属于全面保障</span>，因事故产生的一切车辆损失和相关税费、手续费均受保障。</p></div> </div> <div id="anchor-20952" class="item"> <div class="item-title"><span>取车时店员推销保险和服务，可否不买？</span></div> <div class="item-content"><p>取车时，门店工作人员有可能会向您推销额外的保险，<strong>请根据实际需要考虑是否选购</strong>，并核对租车合同或小票上是否有额外收费项目。</p><p><br /></p><p>如果工作人员强制要求购买，请<strong>当场</strong>联系租租车客服协助解决，或者请工作人员用英文在纸上<strong>写下哪些项目是需要强制购买（These items are 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