[Become an Insurance Insider] Everyone's into 'Camping and Chabak'... You Lose Out If You Don't Know Insurance

[Editor's Note] Difficult insurance, a clear explanation of insurance that remains confusing even after listening to explanations. There is no bad insurance in the world, only insurance that does not suit me. If you follow easy-to-understand insurance explanations, the path to becoming an 'insurance insider' is not far away.

[Asia Economy Reporter Oh Hyungil] As social distancing has been strengthened due to the novel coronavirus infection (COVID-19), camping trips that minimize contact with people are increasing. In particular, 'glamping,' which is equipped with facilities for convenient use, and 'car camping' using vehicles have emerged as trends.

Experts advise that since camping involves a lot of long-distance driving and many safety accidents occur, it is necessary to subscribe to insurance products to prepare for possible accident risks.

Since camping sites have a high risk of fire and frequent safety accidents due to equipment installation, domestic camping sites are required to subscribe to 'Campground Liability Insurance' compulsorily.

This insurance compensates when campground users suffer personal injury or property damage due to accidents within the campground, providing compensation up to a maximum limit of 100 million KRW per person in cases of injury, death, or property damage within the campground.

It is advisable to check whether the campground has subscribed to Campground Liability Insurance before camping. However, accidents caused by individual negligence are not the responsibility of the campground.

When Injured at a Campground, 'Actual Medical Expense'... When Injuring Others, 'Personal Liability Insurance'

In such cases, it is good to check the insurance details you have subscribed to.

If you are injured at a campground, you can receive compensation through actual medical expense insurance or injury-related insurance, and if you cause damage to others, compensation is possible through 'Personal Liability Insurance for Daily Life.'

Also, when operating a camping car or camping trailer, you must check whether you have the appropriate license for the vehicle type and whether you are subscribed to the proper insurance.

Even if an 11-passenger van has been structurally modified to have a seating capacity of 2, the seating capacity before modification is the standard, so a Class 1 regular driver's license is required. If you operate it with a Class 2 regular license, it is considered unlicensed driving, and compensation may be limited in case of an accident.

Furthermore, when subscribing to automobile insurance for a camping car, you must apply the business-use (camping car) rate.

If a regular vehicle is structurally modified into a camping car, you must notify the insurance company of the change, and if an accident occurs without notification, compensation may be limited.

Lee Kyungsik, Senior Researcher at KB Financial Group Management Research Institute, advised, "When going camping, you should sufficiently prepare for possible accidents by using short-term riders or daily insurance. It is good to utilize short-term driver expansion riders in automobile insurance, driver insurance that can be subscribed for 1 to 7 days, or switch-type insurance that can be activated only when needed after a single subscription."