In addition to the usual risks of daily driving, self-drive tours also come with some unique travel-related risks:
1. Self-drive tours often involve longer journeys, and drivers are far less familiar with complex road conditions compared to everyday driving, leading to a higher likelihood of collisions and rollovers.
2. Travel routes during peak holiday periods such as Golden Week tend to be congested, increasing the probability of minor scrapes and bumps.
3. The risk of major traffic accidents is relatively high on expressways.
4. Parking locations are not fixed, increasing the risk of theft or robbery.
5. When driving in mountainous areas, encountering adverse weather increases the likelihood of landslides or mudflows.
6. The risk of accidental injury for those traveling by private car increases.
(2) Insurance Options
How to purchase: Buy insurance at a PICC property insurance branch, or via the PICC e-commerce platform or customer service hotline 95518. Designate two drivers.
Insurance Type | Coverage Limit (RMB)
Premium (RMB)
Third-Party Liability Insurance
100,000 RMB
712.51 | Compulsory Traffic Insurance for Family Vehicles (includes glass breakage and spontaneous combustion coverage)
Insured based on new car purchase price, 88,000 RMB
940.35 | Waiver of Deductible Endorsement
Applies to both third-party liability and vehicle damage insurance
342.87 | Comprehensive Theft Insurance
Insured based on actual vehicle value, 77,440 RMB
578.58 | Occupant Liability Insurance
50,000 RMB (10,000 RMB per seat, covering 5 seats)
184.39 | Total
2,758.7
The insurance plan includes special discounts for Mr. Wang: direct purchase, designated driver, simultaneous purchase of multiple insurance types, and no claims in the previous year.
In addition to insuring your car, don’t forget to protect your family. For just an extra 50 RMB, you can transfer the risk of accidental injury for your entire family to the insurance company. Under this plan, Mr. Wang and his wife can each receive 50,000 RMB in accident insurance, including 5,000 RMB in accident medical expenses; their daughter can receive 30,000 RMB in accident coverage and 5,000 RMB in accident medical expenses. With double protection for both car and family, you can hit the road with peace of mind and enjoy your trip even more...
(3) Tips
1. Pre-trip Insurance Preparation:
(1) Before setting off, carefully and objectively assess the potential risks you may encounter during the trip, and choose appropriate insurance types.
(2) When purchasing auto insurance, check whether there are any restrictions on the driving area in the insurance terms. Currently, the insurance terms of PICC Property and Casualty Company Limited allow the driving area to be within the territory of the People’s Republic of China (excluding Hong Kong, Macau, and Taiwan).
(3) For vehicle owners who frequently drive over a wide area, it is especially important to pay attention to the insurance company’s service network and local claims capability when selecting auto insurance, to ensure that no matter where you have an accident, the insurer can promptly provide claims services.
2. Insurance-related documents to carry when traveling:
Original insurance policy, insured person’s ID card, vehicle registration certificate, and driver’s license
3. Driving tips for travel: Before setting off, be sure to familiarize yourself with the route and road conditions, plan your itinerary well, try to avoid driving at night, and if the journey is long, it’s best to have two drivers take turns to prevent fatigue driving.
4. What to do if you have an accident in another location?
Outdoor knowledge for tourist attractions: If you have an accident in another location, first stay calm and don’t let the incident affect your mood for the trip;
Quickly call PICC Property and Casualty Company Limited’s national unified customer service hotline 95518 to report the incident to the local PICC branch (insurance-related documents required), and the local branch will promptly provide claims services. PICC Property and Casualty now has more than 4,000 offices and service points across the country, and vehicle owners can make full use of this service network resource brought by PICC auto insurance to avoid the awkward situation of being unfamiliar with the area when an accident occurs elsewhere.
该贴已经同步到 徒步十年的微博