AXA 추가 보험과 함께 안심 렌트

소개

AXA 추가 보험은 AXA Tianping P&C Insurance에서 인수·인수합니다. 본 증서에 기재된 보험료가 납입되고 AXA 추가 보험의 유효기간 동안, 당사는 렌터카 이용 기간 중 피보험자에게 발생한 사고, 상해 또는 손해에 대해 아래의 보장표에 기재된 대로 보험을 제공합니다.

고객들이 자주 하는 질문 중 하나는 이미 렌터카 요금에 자동차 보험이 포함(insurance included)되어 있는데, 문제가 발생했을 때 왜 자기부담금 (면책금)(excess fee)을 내야 하느냐는 것입니다. 문제는, 차량을 대여할 때 기본으로 제공되는 보험만으로는 고객을 완전히 보호하지 못할 수 있다는 점입니다. 렌터카 회사의 보험에서 보장하지 않는 특정 수리 유형 및 비용 때문에, 여행 중 예기치 못한 지출이 발생할 수 있습니다. 이 보험은 차량이 파손되거나 도난을 당했을 때의 본인 부담 비용은 물론, 개인 상해 사고 발생 시의 손실까지 보장합니다. 일반적으로 예약 시점에 가입하는 것이, 카운터에서 보장을 추가로 구매하는 것보다 훨씬 저렴합니다.

혜택 요약

아래의 보장 한도표는 보험 보장 내용과 해당 혜택을 요약한 것입니다. 보장에 대한 자세한 내용은 약관을 읽어 주시기 바랍니다. 아래 보장 한도표와 약관의 내용이 상이한 경우에는 약관의 내용이 우선 적용됩니다.

세션1 - 개인 상해

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

Session2 - 렌터카 자기부담금 (면책금)

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

제외 사항 및 한계

다음의 제한 사항 및 보장 제외 항목은 AXA 종합 보장에 적용됩니다. 보장에 대한 자세한 내용은 약관을 참조하시기 바랍니다. 아래 내용과 약관 사이에 어떠한 불일치가 있을 경우, 약관의 내용이 우선 적용됩니다.

세션1 - 개인 상해

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 - 렌터카 자기부담금 (면책금)

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.

클레임 신청 서류 목록

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