租車加保安心險的cp值討論 - 旅遊
By Oscar
at 2019-04-13T18:44
at 2019-04-13T18:44
Table of Contents
先解釋一下日本租車自駕的險
A.租車費已內含:
1.對人補償:1名之限額無上限 (含汽車強制責任險)
2.對物補償:1事故限額無上限 (有自負額)
3.車輛補償:1事故限額時價 (有自負額)
4.人身傷害補償:每1名上限3,000萬日圓
這些租車費已內含
B.事故免責險(CDW):免除A的自負額用
發生事故時,雖然租車費已含對人事物的損害補償險(人身傷害、物損、車損等),但對物
和對車輛還是有顧客該負擔的「自負額」,而CDW目的就是免負擔自負額
這沒爭議一定是必保,Tabirai訂車的話一定都已內含
C.安心險:主要是免除NOC用(還有拖吊和換輪胎)
萬一發生事故而車子必須維修或清掃時,須由顧客負擔金額以補償車輛維修期間無法營業
的損失,簡稱營業損失賠償(NOC),自己開回去要付2萬,無法開用拖的回去要付5萬
這個各家價格不同,通常是現場加保,比如orix每天648,worldnet每天864
A在租車費已內含所以不討論,B是必保也沒爭議
但C,俗稱安心險,其實就是為了免除NOC用
簡單說是為了車事故時可以不用付NOC的2萬或5萬用
以一般租7天來說
如果每天1080,7天等於7千多
如果每天864,7天等於6千多
如果每天648,7天等於接近5千
一般情況車還能動NOC都是2萬,意思就是你花2萬的1/3~1/4的錢去分擔掉這風險
感覺cp值其實不太高,應該說有些公司安心險真的有點貴
小弟自駕過非常多次,但只有一次擦撞有用到(省2萬的意思)
但我付出的安心險保費累加起來大概是2萬的10倍了
聽說很多日本人其實都不保這東西的
提出討論
謝謝
--
A.租車費已內含:
1.對人補償:1名之限額無上限 (含汽車強制責任險)
2.對物補償:1事故限額無上限 (有自負額)
3.車輛補償:1事故限額時價 (有自負額)
4.人身傷害補償:每1名上限3,000萬日圓
這些租車費已內含
B.事故免責險(CDW):免除A的自負額用
發生事故時,雖然租車費已含對人事物的損害補償險(人身傷害、物損、車損等),但對物
和對車輛還是有顧客該負擔的「自負額」,而CDW目的就是免負擔自負額
這沒爭議一定是必保,Tabirai訂車的話一定都已內含
C.安心險:主要是免除NOC用(還有拖吊和換輪胎)
萬一發生事故而車子必須維修或清掃時,須由顧客負擔金額以補償車輛維修期間無法營業
的損失,簡稱營業損失賠償(NOC),自己開回去要付2萬,無法開用拖的回去要付5萬
這個各家價格不同,通常是現場加保,比如orix每天648,worldnet每天864
A在租車費已內含所以不討論,B是必保也沒爭議
但C,俗稱安心險,其實就是為了免除NOC用
簡單說是為了車事故時可以不用付NOC的2萬或5萬用
以一般租7天來說
如果每天1080,7天等於7千多
如果每天864,7天等於6千多
如果每天648,7天等於接近5千
一般情況車還能動NOC都是2萬,意思就是你花2萬的1/3~1/4的錢去分擔掉這風險
感覺cp值其實不太高,應該說有些公司安心險真的有點貴
小弟自駕過非常多次,但只有一次擦撞有用到(省2萬的意思)
但我付出的安心險保費累加起來大概是2萬的10倍了
聽說很多日本人其實都不保這東西的
提出討論
謝謝
--
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