There are different types of '''insurancesinsurance''' people can have for their vehicle. Often drivers refuse a ride because of ''insurance reasons''. This article should picture the insurance situation in different countryscountries. Also some forwarding agencies do not allow their truckers to pick up hitchhikers because of ''insurance reasons''.
== Situation in [[Germany]] ==
The German ''Kfz-Haftpflichtversicherung'' which means liability insurance for vehicles is obligatory in Germany. Every person in the vehicle is insured by this. If the passenger hurts somebody (for example a cycling grandmother) by opening the door, the passanger (or his insurance) is responsable for the damage.
The German ''Kfz-Haftpflichtversicherung'' which means liability insurance for vehicles is obligatory in Germany. Every person in the vehicle is insured by this. If the passenger hurts somebody (for example a cycling grandmother) by opening the door, the passenger (or his insurance) is responsible for the damage.
== Situation in [[Spain]] ==
In Spain trucks cannot pick up hitchhikers any more as of February 2011, presumably for insurance reasons. Insurance reasons are also the favourite excuse for people who are driving company cars.
== Situation in the [[United Kingdom]]==
In the United Kingdom, truckers and generally people driving in company cars very often decline lifts with the reason that they wouldn't be insured in case an accident happens.
== Travel insurance ==
It can be a good idea to get a travel insurance that covers theft and other inconveniences. Some travel insurances totally cover medical issues, others can be combined with a usual medical insurance e.g. to cover transport back home.
----== Personal experiences == ===3 times useful===Anonymous, December 2010:
I want would like to say something about travel insurance:. I took a out travel insurance before I went travelling traveling for now already 2years2 years. I only pay 140€ €140 for one hole whole year.
Unlucky, I needed to use it already 3 times.
- * When my grandfather died they flight flew me back for free from Senegal.- * When I had bus accident, they paid for my 2 weeks hospital in Mali, Business class back to Europe, ambulance from airport to my home (350km), all treatment at home (doctors, kinesics,...)- * When I had malaria, I went to hospital in Kenya for few days. I think they spend around 7000€ for these 3 cases together.I really support people to think about these kind of travel insurance! It is not a lot of money but if you need it you are very happy to have it. Read the small letters of the insurance contract very well so you know when they will help you and when not.Like 140€ for one year means in my contract, travelling max. for 6months in a row!! But if you hitchhike it is difficult for them to keep track of you!f.e. you travel already 9 months and you need there help, you just tell them you left maybe 2 months ago. No flight tickets that they can check if you hitchhike. They only could know it if they would check my passport or my visa bill, but they don't do that.http://www.europ-assistance.com/ I used these one but I m sure there are other similar insurances.Read your contract very well before you start travelling. ----
I think they spend around €7000 for these 3 cases together.
I really support people to think about these kind of travel insurance! It is not a lot of money but if you need it, you are very happy to have it.
* [http://wwwRead the small print of the insurance contract very well so you know when they will help you and when not.Like €140 for one year means in my contract, traveling for a maximum of 6 months in a row!! But if you hitchhike it is difficult for them to keep track of you!E.g.roundtheworldflightsif you've already been traveling for 9 months and you need their help, you just tell them you left maybe 2 months ago.com/round-the-world-insuranceNo flight tickets that they can check if you hitchhike.aspx#generalenquiries roundtheworldflightsThey only could know it if they would check my passport or my visa bill, but they don't do that.com]* I used [http://worldnomadswww.com worldnomadseurop-assistance.com/ Europ Assistance], but I'm sure there are other similar insurers.Read your contract very well before you start traveling.
{{stub}}==Other useful websites==* [http://www.roundtheworldflights.com/round-the-world-insurance.aspx#generalenquiries roundtheworldflights.com] * [http://worldnomads.com worldnomads.com] - quite expensive
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