新西兰租车保险咨询

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。。。。。。。。