- 일일 자동차보험 종류 및 비교 가입 요령
- 일일 자동차보험에는 기존 자동차보험에 운전자 범위를 추가하는 임시운전자특약과 별도로 원데이자동차보험을 가입하는 2가지 방법이 있습니다. 하루 또는 며칠정도 운전을 함께해야 하거나 타인 차량을 빌리는 경우 가입할 수 있는 일일 자동차보험 종류 및 비교 가입 요령을 설명해 드리도록
When you need to drive someone else's car unexpectedly, such as borrowing a friend's car for a drive, renting a car for a trip, or driving a family member's car, you may need " daily car insurance".
Daily car insurance, as the name suggests, is car insurance that can be subscribed to on a daily basis, making it useful when you need to drive for a short period. However, there are various types of daily car insurance, each with different features, so choosing the right insurance can be challenging.
Types and Comparison of Daily Car Insurance
Daily car insurance can be broadly categorized into two types.
Types and Comparison of One-Day Car Insurance
- Temporary Driver Special Clause: This is an additional clause added to existing car insurance that expands the range of drivers, allowing others to receive insurance benefits for a certain period.
- One-Day Car Insurance: This is a newly subscribed insurance separate from existing car insurance, allowing you to choose and subscribe to the necessary coverage on a daily basis.
Which Insurance is Better?
Both types of insurance have advantages and disadvantages, so you should choose the one that suits your situation.
- Temporary Driver Special Clause is linked to existing car insurance, making insurance processing simple, and may offer insurance premium discounts. However, if you subscribe on the same day, the insurance effect starts the next day, and coverage is limited to the coverage of the existing car insurance.
- One-Day Car Insurance allows you to subscribe and receive coverage on the same day, and has the advantage of being able to select only the necessary coverage. However, the insurance premium is relatively expensive, and single accidents may not be covered.
Precautions When Subscribing to Daily Car Insurance
- Comparison of Products by Insurance Company: You should compare products from various insurance companies to choose the most suitable product for yourself.
- Check Coverage Details: You should carefully check not only the insurance premium but also the coverage details.
- Check for Single Accident Coverage: In the case of one-day car insurance, single accidents are often not covered, so you should keep this in mind.
- Check Subscription Period: The temporary driver special clause may have limitations on the subscription period, so you should check the subscription period.
FAQ
- Where can I subscribe to daily car insurance?
- You can subscribe through the homepage or app of each insurance company.
- What documents are required when subscribing to daily car insurance?
- Generally, copies of your driver's license and vehicle registration are required.
- How much does daily car insurance cost?
- The insurance premium varies depending on the insurance company, subscription period, and coverage, so you should check the homepage of each insurance company.
- Can I get a discount on my insurance premium if I subscribe to daily car insurance?
- In the case of a temporary driver special clause, it is linked to existing car insurance, so you may receive insurance premium discounts, but one-day car insurance generally does not apply discounts.
Conclusion
Daily car insurance is a useful insurance product when you need to drive someone else's car unexpectedly. However, since there are various types of insurance, each with different features, you should choose carefully. We hope you choose the right insurance for your situation and have a safe and enjoyable drive.
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