咨询一下：
我准备在Omega租车，仔细看了下
保险细则，但还是不太懂，希望达人帮忙看看：
我准备选择这个
保险：
CDW Insurance 25 yrs plus. Excess $0（15新币一天）
下面是
保险细则：
Insurance
CDW Insurance 25 yrs plus. Excess $0
Our rates include tax (GST), unlimited kilometres and insurance, but excludes the first NZ$1500.00 deductible of any accident damage.
If you wish to purchase full insurance this is available for an additional NZ$50.00 per day (Based on 4 day minimum).
Option 1 - Insurance excess nil, pay additional NZD$18.00 per day and reduced your excess to zero. Minimum $60 charge.
Option 2 - Insurance excess is NZD$1000.00 (NZD$1250.00 MPV)
Free Insurance ($1500 Excess)
这两个选择，有什么区别呢？选哪个比较好呢？
哪位达人能帮忙翻译解释一下呢？没看太懂。。。。。。。。
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The above rates include Sales Tax (GST), unlimited kilometers and Insurance but exclude the first NZ$ 1,500 of any accident damage to the vehicle. If you prefer to be fully insured you can choose to purchase an optional collision damage waiver (CDW) at a rate of NZ$ 12 per day.
是不是新西兰的各家租车行都是这样？但是我想如果NZ$1500都不赔的话，这个保险还有什么意义啊？