各位好，我准备在澳洲的大洋路租车自驾，现在通过vroomvroomvroom的网站订车，关于
保险，vroom网站上是这么写的：
Reducing your Car Rental Insurance Excess in Australia
Firstly, it is important to note VroomVroomVroom does not directly sell any protection products or excess reduction packages. However, we would still like to help. You have 3 rental cover options:
Option 1. Choose to do nothing.
Pros: Your car rental actually comes with basic cover (most people call this basic insurance), so you don't actually need to buy the optional excess reduction if you don't want to.
Cons: In the event of an accident, suppliers will charge a maximum damage excess fee of between $3000 and $5500, depending on the car and the supplier.
Option 2. Purchase excess reduction at the rental desk.
Pros:
Easiest option to reduce the excess.
Don't need to wait while the excess is refunded by the travel insurance company.
Probably cheaper for a short rental period of 1 or 2 days.
See excess reduction information for:
Cons: More expensive than the other options.
Option 3. Purchase Travel Insurance Today.
Pros:
Buy now and save later.
Much cheaper for most 'longer than a day' trips.
1cover Travel Insurance includes a benefit of up to $5000 rental vehicle excess cover**
Get cover for lost baggage and cancellations
Frequent travellers benefit with an annual policy
Cons: In the event of an accident you must still pay the damage excess fee stated on the Rental Agreement to the car rental supplier and then contact 1Cover to claim it back. Taking this cover will allow you to claim reimbursement of the damage excess fee.
本人英文水平有限，有哪位大侠可以解释一下：
1.option 1说的基本险的含义是租车公司会负担3000-5000元的车险费用呢？还是超出3000-5000的损失部分由他们负担？
2.option2以及option3是不是都在说额外车险（即超出3000-5000的部分）的购买事宜？
如果这些指的是额外车险，那么我怎么才可以买到全险，即车辆发生碰撞等事故的费用全部由
保险公司负担？
谢谢大家
爆款
热销
热销
【DAY1】
1) 06:30 从墨尔本出发(早于其他旅游团出发，已保证足够的时间游览各个景点)
2) 在Torquay享用早茶，在 Bells 海滩寻找袋鼠
3) 参观大洋路巧克力&冰淇淋工厂，可以免费品尝噢~
4) 经过Anglesea，在Aireys Inlet参观Split Point灯塔、Fairhaven海滩，大洋路标志性建筑的纪念拱门(Memorial Arch)，Lorne小镇吃午餐，购物等。
5) 参观 Sheoak Waterfalls 瀑布，沿途的观景台，在Kennett River找寻野生考拉，喂食野生鹦鹉。
6) 在Apollo湾观看Mariners瀑布，在Apollo湾您将会有小半天的自由活动(可游泳)，导游会告诉您第二天的用餐地点和集合时间哦~
用餐安排
不含餐
集合安排
此产品含市区酒店接送，请在预定时填写具体酒店信息，具体接送时间因不同酒店而异。
极少数酒店由于不便停车等原因，会需要你前往附近地点候车。详情请参考预定确认后我们发给你的电子票。
酒店安排
阿波罗湾住宿
【DAY2】
1) 07:00 自费享用早餐 (吐司、谷类食品、果汁、茶和咖啡) 需自费
2) 07:20 离开Apollo湾，进行一次徒步旅行，参观Castle Cove，奥特韦热带雨林，Lavers Hill早茶。
3) 在Gibson步道从海平面看十二门徒岩(您可以在导游处自费参加12门徒直升机观光)，参观Loch Ard Gorge及Razorback， Island Archway等景点。
4) 来到坎贝尔角(Cape Campbell)，你可以在这里自费购买午餐，购物。也可以在沙滩上享受午间的阳光。
5) 之后我们来到拱门The Arch，伦敦桥London Bridge和The Grotto。
6) 接下来我们来的Peterborough，在这里您可以游泳，返程之前我们还会去到马特湾（沉船湾）Bay of Martyrs，群岛湾(Bay of Islands)。
7) 最后经 Colac 返回墨尔本，途经奶牛场。
8) 18:30 回到墨尔本。
用餐安排
不含餐食