02 海外租車保險(國外租車都會涉及到哪些保險？)

ure」與「icarhireinsurance」。但目前所知worldwideinsure已經不承保臺、中、港、澳的訂單，據傳是出險率太高。因此目前要保相關保險主要是以icarhireinsurance為主。第三方租車自負額保險第三方指的是「租車者」、「租車公司」兩造以外的人（公司）。車體險：保障車輛損傷后維修所產生的費用。竊盜險：保障車輛被盜后所產生的賠償費用。自負額保險：當車輛損傷、被盜后賠償有自負額產生時的費用。注意，當租車者直接跟租車公司保到「零」自負額時，第三方租車自負額保險一定沒辦法產生理賠。因為是零自負額，所以不管車輛在出租期間發生什么意外事故都是租車公司的事。所以第三方保險公司沒有出險必要。換句話說，買了第三方租車自負額保險，跟租車公司升級保險的錢就可以省省省下來了。icarhireinsurance保險內容，簡易版：icarhireinsurance保險內容是不是覺得內容太簡單、英文太深奧、格式還有點歪歪的很不牢靠的感覺？（icarhireinsurance網站內容原始呈現）礙佛瑞在icarhireinsurance官網尋尋覓覓后發現較仔細的保險內容如下：原文保險內容傳送門接下來就是礙佛瑞不專業翻譯，與網路上搜集資料后的各名詞解釋：以下皆為￡英鎊計價以下為礙佛瑞不專業且簡單翻譯，正式保單內容請詳閱英文版保單，解釋以官方為主。

Excess insurance

We will pay up to ￡6,000 for any single incident or ￡6,000 for a series of incidents ring 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 買粉絲sts 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 annder-carriage.We will pay up to ￡1,000 for any rental fees charged by the Rental Company for which You are liable ring a period for which the Rental Vehicle is unable tobe used by You and for any related towing 買粉絲sts including any dditional 買粉絲sts 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 買粉絲sts 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.租賃期間包括任何由火災，盜竊或車輛損壞（包括檔風玻璃、輪胎、車頂和底盤），所發生必須負擔的自負額費用。在任何單一事件（事故）中最高理賠金額￡6000。車輛意外損壞或被盜的狀況下，導致租車公司在該期間無法利用該車輛進行營利的損失，最高理賠￡1000。加錯燃油類型所導致的維修費用最高理賠￡1000。注：大多數歐洲租車公司擋風玻璃、輪胎、車頂和底盤并不包含在基本保險內，需額外加保。

Lock Out

If unintentionally locked out of the Rental Vehicle, We will pay up to ￡500 to open the Rental Vehicle.如不小心將車輛反鎖，最高理賠￡500。

Road Rage

Pay up to ￡1,000, if You suffer an assault resulting in physical injury e to accident involving Your Rental Vehicle.這個理賠項目比較特別。在車輛意外事故中，身體遭受襲擊，最高理賠￡1000。簡單來說就是發生擦撞，雙方車主下車釘孤枝后你不幸被揍的話，icarhireinsurance會理賠醫療費用。

Car Jacking

Pay up to ￡1,000, if You suffer an assault resulting in physical injury e to theft/attempted theft of Your Rental Vehicle.所謂的Car Jacking是指歹徒趁著駕駛人紅燈停車，或是在購物中心停車等短暫時刻下手搶劫、或竊盜。發生此類事故造成的身體傷害，最高理賠￡1000。

Hotel Expenses

If unable to use the Rental Vehicle e to theft or accident damage, We will pay for overnight ac買粉絲modation up to ￡150 in total.由於竊盜或是車輛損壞而無法繼續使用租賃車輛。此時支付過夜費用最高￡150。

Travel Expenses

Pay up to ￡50 for travel expenses following loss of use of the Rental Vehicle e to theft or accident damage.因竊盜或是車輛損壞導致無法繼續旅程，最高理賠￡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.醫生開立不適合開車之診斷證明，導致租期縮短或取消。單日最高理賠￡25、單次最高理賠￡300、整個合約期間（如購買一年期合約）￡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 e to an accident or illness where You are hospitalised.如因意外或生病住院而導致無法將車輛開回至租車地點還車，最高理賠￡300。注：不適用於單程（one way）租賃。

65 Days 買粉絲ntinuous 買粉絲ver

Cover is provided in the territories selected for 65 買粉絲ntinuous daysfor any one Vehicle Rental Agreement if you have purchased an Annualmulti-trip policy,single trip policies have a maximum 買粉絲ver limit of 31 買粉絲nsecutive days.購買年度合約的話，與任一租車公司租賃車輛，承保最高連續65天。如單次購買的話，承保最高連續31天。

Addition Driver （截錄至FAQ (買粉絲s://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 買粉絲ver 買粉絲matically for up to 9 named drivers, provided that they are all named on the rental agreement.如有超過一位司機會駕駛租賃車輛的話，其他司機（additional drivers）必需列在租車公司的租賃契約上，方享有「自負額保險」的保障。icarhireinsurance可以自動為多達9名指定的額外駕駛司機提供保險。如何購買icarhireinsurance第三方租車自負額保險看完了各項保障、了解保險理賠項目后，來看看怎么購買icarhireinsurance保險。注意，任何保險都需事前購買。記得在出游前就要先買好保險。進到官網購買頁面后可以快速選擇要保的車輛類型。填寫居住地、要保年保／日保、保險產品臺灣居民只能選歐洲接著填寫保險起始日。假設是年保，填保險開始日期就會自動帶出保險結束日期。如何分辨Car Hire與Van Hire？礙佛瑞到西班牙旅行時想租Mercedes-Benz V-class車款。不論長相、名稱好像都跟Van有點像，因此不知道它該算是Car Hire還是Van Hire？詢問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 買粉絲vered under our car hire policy.如這輛車是用來運送九人以下的乘客，設有車窗并沒有額外儲

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