使用 AXA 加購保險安心租車

介紹

AXA加購保險由AXA天平財產保險公司承保。在支付本保單所列明的保費後，於AXA加購保險有效期內，如被保險人在租車期間發生意外、受傷或損失，我們將根據以下的保障表所述內容提供相應的保險保障。

我們經常被客戶詢問的一個常見問題是：如果租車價格中已經包含車輛保險，那麼為什麼在出現問題時仍需支付超額費用？問題在於，租車時標準附帶的車輛保險可能無法為您提供完整的保障。在您的旅途中，您仍然可能面臨預料之外的開支，因為租車公司對某些類型的維修和費用並不涵蓋。此保單將在您的車輛受損或被盜時，承擔自付費用，甚至包含個人事故中的損失。在預訂時購買通常遠比到櫃檯臨時購買來得便宜。

福利摘要

下方的福利表格總結了車輛保險範圍及相應福利。關於保險範圍的詳細內容，請參閱保險條款。若下方福利表格與保險條款有任何差異，應以保險條款為準。

Session1 - 乘客人身意外險

Benefits Table	Maximum Limits Payable(per Journey)
Permanent Total Disablement, Loss of Limbs, Loss of Sight	US$20,000

Session2 - 租賃車輛自負額

Benefits Table	Maximum Limits Payable(per Journey)
The Motor Insurance Policy Excess incurred in the event that: (i) Direct loss of the rental vehicle (incl. windows, glass, tyres, chassis), whilst the rental Vehicle is driven by the Insured Person; (ii) the rental Vehicle is involved in an Accident that required road rescue fee, towing fee, labor cost, lock or key replacement fee; (iii) the rental Vehicle is stolen; (ⅳ) the rental Vehicle is damaged due to natural disasters during the Journey.	US$6,000
Loss of leased items or travel documents	US$800
Loss of rental expenses due to travel documents
Parking and replacement fees dut to traffic accident
Delay of pick up due to flight delay or cancellation
Clean up fee	US$150
Charges due to misfuelling	US$150
Automatic extension of the coverage period	Applicable

排除項目與限制條款

以下限制及排除項目適用於 AXA 全險方案。完整的保險範圍細節，請閱讀保險條款。若以下內容與保險條款有任何不一致，則以保險條款為準。

Session1 - 乘客人身意外險

No claims will be payable:
(i) Under benefits for Accidental Death and Permanent Total Disablement, unless such benefits occurs within 12 months from the date of Accident; (ii) Under benefits for loss of limbs, sights, hearing and speech, except on proof that the disablement has continued for 12 months from the date of injury and in all probability, will continue for the remainder of the Insured Person’s life; (iii) For illness, sickness, disease, any pre-existing physical or mental defect or infirmity, bacteria or viral infections even if contracted by Accident.

No claims will be payable:

(i)
Under benefits for Accidental Death and Permanent Total Disablement, unless such benefits occurs within 12 months from the date of Accident;
(ii)
Under benefits for loss of limbs, sights, hearing and speech, except on proof that the disablement has continued for 12 months from the date of injury and in all probability, will continue for the remainder of the Insured Person’s life;
(iii)
For illness, sickness, disease, any pre-existing physical or mental defect or infirmity, bacteria or viral infections even if contracted by Accident.

Session2 - 租賃車輛自負額

No claims will be payable arising directly or indirectly from, in respect of or due to:
(i) Any condition under the influence of alcohol or drugs of the Insured Person who is controlling the rental Vehicle during the rental period; (ii) Loss arising from operation of the rental Vehicle which is in violation of the terms of the rental agreement or applicable comprehensive motor insurance; (iii) Any illegal or unlawful use of the rental Vehicle by the Insured Person during the rental period; (ⅳ) The Insured Person is not holding a valid driving license for the country; (ⅴ) Liability other than loss of or damage to the rental Vehicle; (ⅵ) The rental of the following types of Vehicles: motorcycles, mopeds, motorbikes, trailers or caravans, motor homes, trucks, commercial vehicles, recreational vehicles, off-road vehicles, vans and vehicles with more than 9 seats; (ⅶ) The first 20% in respect of each and every loss for inappropriate use of rental Vehicles that required extra clean up fee or charges due to negligence refill of incorrect fuel for the rental Vehicle.

No claims will be payable arising directly or indirectly from, in respect of or due to:

(i)
Any condition under the influence of alcohol or drugs of the Insured Person who is controlling the rental Vehicle during the rental period;
(ii)
Loss arising from operation of the rental Vehicle which is in violation of the terms of the rental agreement or applicable comprehensive motor insurance;
(iii)
Any illegal or unlawful use of the rental Vehicle by the Insured Person during the rental period;
(ⅳ)
The Insured Person is not holding a valid driving license for the country;
(ⅴ)
Liability other than loss of or damage to the rental Vehicle;
(ⅵ)
The rental of the following types of Vehicles: motorcycles, mopeds, motorbikes, trailers or caravans, motor homes, trucks, commercial vehicles, recreational vehicles, off-road vehicles, vans and vehicles with more than 9 seats;
(ⅶ)
The first 20% in respect of each and every loss for inappropriate use of rental Vehicles that required extra clean up fee or charges due to negligence refill of incorrect fuel for the rental Vehicle.

理賠申請文件清單

Below is a list of documents required to proceed with your claim. Please prepare and submit the relevant documents through email to support@qeeq.com and make sure the attached documents to be clear scanned copy or photograph. In certain circumstances, more information may be required to substantiate the claim and our customer representative will contact you for more details.

For all types of claims, please provide:

(i)
Statement of the loss/accident particulars - Providing information including location, date and time of loss/accident, type of loss/accident, description of details and amount claimed.
(ii)
A copy of Insured Person’s identification card/passport and driving licence from country of residence.
(iii)
A copy of the Rental Agreement - Provided by the rental company at pick-up or drop-off, whilst the driver name should be same as the Insured Person.

For claim application of Section1 - Personal Accident, please provide:

(i)
Medical Certificate/Medical Report
(ii)
Death Certificate (for death claim)
(iii)
A Qualified and Licensed/Registered Medical Practitioner's Certificate confirming the Insured Person
is totally and permanently disabled after occurring the accident during the Insured Journey
(ⅳ)
Boarding passes, air-tickets etc. that confirm the departure and return dates

For all claim application of Section 2 – Rental Vehicle Excess, please provide:

(i)
A copy of the Comprehensive Motor Insurance Policy covering the damaged vehicle;
(ii)
For claims of Rental Vehicle Excess, please also provide:

-Incident Report from the Car Hire Company with repairing list

-Original Police Report

-Original Payment Receipt for the Loss/Damage Charges/Rental Vehicle’s Policy Excess;
(iii)
For claims of Loss of Leased Items or Travel Documents, please also provide:

-Incident Report from the Car Hire Company with leased items list

-Original Police Report

-Original Replacement Receipt(s) for the Lost Travel Documents

-Original Replacement Receipt for the Lost Leased Items;
(ⅳ)
For claims of Loss of Rental Expenses due to Loss of Travel Documents, please also provide:

-Original Police Report

-Confirmation from the Car Hire Company certifying the amount of refund for prepaid expenses

-Original Payment Receipt for the Rental Vehicle;
(ⅴ)
For claims of Parking and Replacement Fees due to Traffic Accident, please also provide:

-Incident Report from the Car Hire Company with repairing list

-Original Police Report

-Original Payment Receipt for the charges of damage
(ⅵ)
For claims of Overdue Pickup Charges due to Flight Delay or Cancellation, please also provide:

-Confirmation from the Airline/Carrier certifying the number of hour of delay & the reason of delay/cancellation

-Original Payment Receipt for the Rental Vehicle

-Confirmation from the Car Hire Company certifying the amount of refund for prepaid expenses;
(ⅶ)
For claims of Clean Up Fee or Charges due to Misfuelling, please also provide:

-Incident Report from the Car Hire Company

-Original Payment Receipt for the charges