境内游  Domestic swim 拼车游 Car pool to swim

推荐：短期意外险 recommend:Short-term casualty

　　近年，租车、拼车出游逐渐流行，三五个人共搭一车，虽然省去了购买车票的麻烦，但是长途旅行也难免会有意外发生。除了为车辆上足商业车险外，拼车人也应各自买一份短期意外险。

In recent years,Car rental/Carpooling travel gradually popular,A total of 35 people take a car,Although leave out the trouble to buy the tickets,But long distance travel also hard to avoid can have accidents.In addition to the vehicle outside foot commercial auto insurance,Carpooling one also should be their buy a short-term casualty.

　　据了解，车辆交强险与商业第三者责任险，在保障范围、保险金额方面都对本车人员以外的人身和财产造成的损害进行赔偿，而拼车人不能获得赔偿。车上人员责任险主要针对车内乘客发生的意外伤害进行赔偿，表面来看，可对拼车人进行赔付，但是该类车险责任要约中明确规定，“非营业性的私有车辆用做营业用途不能获得保险赔偿”。可见，拼车人还是很难获得车上人员责任险的赔偿。因此，保险专家建议，拼车人应通过购买短期意外险来获得相应保障。

It is understood,Vehicle insurance and commercial third party liability insurance,In the scope of protection/In the local insurance amount of personnel outside of the personal and property compensation for the damage,And carpooling person cannot win compensation.The car personnel liability insurance is aimed at the car passenger happen accident harm for compensation,Surface to see,To car pool people for compensation,But this kind of auto insurance liability stated in a specific provision,"Nonoperating private vehicles used for business purposes cannot obtain the insurance compensation".visible,Carpooling or difficult to obtain the compensation liability of the personnel on the car.therefore,Insurance expert advice,Carpooling man should buy short-term casualty through to obtain corresponding security.

　　如果旅游爱好者经常外出旅游，可以一次性选投保综合意外险，比每次外出旅游单投短期险要划算一些。部分保险公司的综合意外险也基本可以涵盖旅游过程中容易出现的风险保障，同时可省去频繁购买短期险带来的麻烦。

If travel enthusiasts often traveling,Can choose a one-time for comprehensive insurance,Every time than traveling single throw is short for some.Part of the insurance company's integrated accident insurance and basic can cover in the traveling process is easy to appear the risk safeguard,At the same time can save frequently buy short-term risks bring trouble.

自驾游 leading

推荐：自驾车旅游组合险 recommend:Self-driving tourist portfolio risk

　　不同的出行方式自然会有不同的保险需求。对于时下最流行的自驾游，保险专家认为，合理的保险计划是给人和车辆都进行投保。

Different transportation will naturally have different insurance demand.For the most popular navigator,Insurance experts say,Reasonable insurance plan is for people and vehicle are insured.

　　如果是短途旅行而且路况较好，选择普通自驾车保险即可，重点在于车辆救援服务，以及紧急备用金。如果是部分偏远地区，一旦发生意外事故，就医及修理车辆等都较为困难。这时就应选择较高级别的旅游意外险，重点在于医疗运送和送返服务以及随身财产保障。

If it is short trips and traffic is good,Choose ordinary self driving insurance can,The key lies in vehicle rescue service,And emergency a shot in the locker.If it is part of the remote areas,Once an accident,Go to a doctor and repair vehicles and so on are more difficult.Then you should choose more senior other travel accident insurance,The key lies in the medical evacuation and repatriation services and take property security.

　　保险专家介绍，自驾出游投保要全面。自驾车旅游组合保险产品将意外伤害、财产费用损失及责任保险三类险种结合为一体，为被保人在旅行期间出现的意外伤害、意外急性病医疗、行李及财产损失等方面提供经济补偿。太平保险的“私家车驾乘意外保险”是特别针对自驾出游的人群设计的；都邦保险考虑到一般机动车都有保险，因此为私家车出行推出都邦驾乘安心综合保障A，分别为驾驶员和乘车人员提供保障。

Insurance expert introduction,Drive travel to comprehensive insurance.Self-driving tourist combination of insurance products will accident harm/Property loss cost and liability insurance is planted three combined as one body,For the insured person (s) in the travel shown during the accident/Accident acute disease medical/Baggage and property loss, etc to provide economic compensation.Taiping insurance"Private CheJia by accident insurance"Is special in the crowd of drive travel is designed;Foreign insurance considering the general motor vehicle have insurance,So for cars out of all nations rides at ease A comprehensive security,Respectively by drivers and provide security.