A brief guide to rental car insurance

Whether you are travelling around a country on a road trip or are simply needing a rental car for a work trip, it is essential that you find rental car insurance that’s within your budget and that covers everything you need. As you are at the rental car counter and they ask you whether or not you want to purchase insurance, see how much they want to charge you and how it compares to what you’ve seen online. In this post, you will find a brief guide to rental car insurance, the dos and don’ts.

Purchase your rental insurance online

What many people don’t realise is that you can purchase rental insurance online from a third party site. If you compare car insurance rates online, you can see what each of the insurers cover and how much excess you will have to pay if you have an accident (a common type insurers may offer is called ‘car hire excess insurance’). Many types of rental car insurance will include personal effects coverage, personal accident insurance, liability and a collision/loss damage waiver. If you are travelling around a country that you aren’t familiar with, purchasing rental car insurance will give you the peace of mind that you need.

Do you really need one?

Another thing to consider is that you might not need to purchase rental insurance. This doesn’t mean that you won’t need any coverage – you don’t know what will happen after on your trip after all and you don’t want to risk it. But, you might not need to purchase rental car insurance if you are already covered on your existing insurance. Now, this isn’t guaranteed, but if you have liability insurance covered under your policy, you can usually use this on your rental car. Some insurance policies also include a collision waiver and comprehensive cover, which you can also transfer over to your rental car. One thing to think about, if this is included in your current insurance, is that the rental car company might still charge you if you cause damage or lose one of their vehicles whilst you are on the trip; so it is important to check if this is the case beforehand.

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Photo by Raivis Razgals on Unsplash

Similarly, your current car insurance won’t cover you if you are using the rental car for business purposes. You will have to take out a separate type of insurance. Many car insurance policies also might not cover you abroad, so these are all things you should check before relying on your existing policy.

Check the hidden fees

When you are looking at rental car insurance, you want to know about any hidden fees, if there is a full-to-empty petrol policy and how much you are covered for. No one wants to be ripped off by their rental car insurance, so it is important that you hunt around for the right one for your needs before you by. You don’t have to wait until you are at the rental counter. Do your research before you go and know what you are getting for your money. It can be expensive after all, so you want to know you are getting the best possible deal.

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Header image by Raphaël Biscaldi on Unsplash