租車保險與押金詳解 | Car Rental Insurance Guide | MTC - 香港租車

Introduction | 前言

Understand Before You Drive
掌握租車保險與押金規則，避免多餘支出與爭議。

1. Why Insurance Matters | 為何保險重要

Car rental insurance protects both drivers and operators from unexpected costs arising from accidents, theft, or damage. In Hong Kong, coverage standards vary by provider, so understanding what's included helps you rent confidently.

租車保險能保障司機與營運商，避免因意外、失竊或損壞而承擔高昂費用。香港各租車平台的保險條款不盡相同，了解內容有助你放心租車。

2. Types of Car Rental Insurance | 租車保險種類

Type	Description	中文解釋
Basic Third-Party Liability (TPL)	Covers damage to others' property or injury. Mandatory by law.	第三者責任保險：法定基本保障，涵蓋第三方財物損失或人身傷害。
Collision Damage Waiver (CDW)	Reduces your liability for vehicle damage.	車輛損壞免責：降低因碰撞損壞的自負額。
Theft Protection (TP)	Covers theft or attempted theft.	防盜保障：涵蓋車輛被盜或未遂情況。
Personal Accident Insurance (PAI)	Covers medical costs for driver and passengers.	個人意外險：保障駕駛及乘客的醫療開支。
Super CDW (SCDW)	Optional upgrade reducing the deductible to near zero.	超級免責險：將自負額降至接近零的高級選項。

3. Deposit System Explained | 租車押金機制

Most rental companies require a deposit (HKD 3,000–10,000) as a temporary hold on your credit card to cover:

Damage or cleaning fees
Traffic fines or tolls
Fuel or late return surcharges

多數租車公司會在信用卡上暫時預授 HKD 3,000–10,000 押金，用於：

車輛損壞或清潔費
交通罰款或隧道費
油費或逾時歸還費用

MTC's system automates this — your deposit is held digitally, with transparent deductions shown in-app, and automatically released after inspection confirmation.
MTC 採用全自動化押金系統，金額會暫時鎖定於帳戶內，App 會顯示所有扣款細節，經確認無誤後自動解鎖。

4. How Claims Work | 理賠流程說明

If an incident occurs:

Report it in-app immediately.
Upload photos and accident report.
The system calculates responsibility and deductibles.
Any balance refund is processed within 7 working days.

如發生意外：

立即於 App 內報告事件。
上載照片及意外報告。
系統自動計算責任及自負額。
餘額將於 7 個工作天內退款。

5. Common Misunderstandings | 常見誤解

"All insurance covers everything."
→ False. Tires, keys, or interior damage often excluded.
"Deposit means extra payment."
→ False. It's a hold, not a charge.
"Credit card refund is instant."
→ False. Bank release times vary by issuer.

「保險包晒所有」 → 錯。輪胎、鎖匙、車內損壞常不在保障內。
「押金就是額外費用」 → 錯。押金是暫時預授，非收費。
「押金即時退回」 → 錯。銀行退回時間依發卡機構而異。

6. How MTC Simplifies It | MTC 的優化方式

✅ Transparent insurance options in-app
✅ Instant deposit release upon inspection
✅ AI-assisted damage recognition (coming soon)
✅ Real-time claim status tracking

✅ App 內透明顯示保險選項
✅ 驗車後即時解除押金
✅ AI 輔助損傷識別（即將推出）
✅ 理賠進度即時追蹤

7. Practical Tips | 實用建議

✅ Take photos before driving off.
✅ Confirm coverage level before payment.
✅ Use credit cards for faster deposit release.
✅ Choose "Super CDW" if driving long distance.

✅ 開車前拍照留底
✅ 付款前確認保險級別
✅ 使用信用卡可加快退押
✅ 長途出行建議加購「超級免責險」

8. Summary | 結語

Understanding rental insurance and deposit terms saves time and prevents disputes. With MTC, everything — from coverage to refund — is digital, clear, and fair.

清楚了解租車保險及押金機制，能避免不必要的爭拗。MTC 讓所有流程數碼化、透明化，保障租客與車主雙方的權益。