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
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