Rental car excess insurance information
The booking process automatically offers you the option to purchase car hire excess insurance. This excess insurance is a competitive deal. Purchasing excess insurance at the desk of a car rental company when collecting your rental car, is usually at a higher price.
When you have any questions about car hire insurance, please contact the helpdesk.
Some comments about picking up your rental car
A car rental contract is a serious matter. You will have to deal with all kinds of questions about extra charges.
We recommend that you prepare yourself well. The staff at the counter of a car rental company is usually in a hurry. It is sometimes busy and it can also be a deliberate action to get the rental contract settled quickly with unnecessary extra charges.
- When you book your car rental online, you will always receive a specification buy e-mail which is included in the rental price. Always bring this confirmation and the car rental voucher with you.
And always take the time to read the contract and ask for any amounts you do not understand.
- Check if you have booked a full to full in advance. This means that you will receive the rental car with a full tank and you will return the car yourself with a full tank. You will then fill up the car yourself and that will save you extra costs. Otherwise, the car rental company will fill up the car, of course, at extra cost.
- Choose a car rental company with a higher customer rating. Often this choice is affordable and gives more peace of mind when picking up the car.
- Check if the rental price per day is a reasonable price. Extremely low rental prices are usually undressed contracts. Often these companies have a low customer score and at the desk they will mention “mandatory” surcharges on the rental contract. Our advice is to choose an all-in price.
- Check that the rental rate includes unlimited mileage.
Be sure which insurance you have:
This is an example! Always read the full text of the rental price at time of reservation.
Limited Cover (included)
With the supplier’s Limited Cover, you are covered for third party liability. You can also have limited damage and theft protection. It covers the majority of the costs, however you are liable for an excess up to € 3,000. When you pick up your car, you need to leave a security deposit using your credit card. If the car is damaged or stolen, the suppliers will retain the costs from your deposit.
You can download the insurance as pdf and read all insured items at your leisure at home. The premium also reduces the deposit on your credit card, because the risk is lower. This way, you will have peace of mind when you travel!
Check the rental car for damage beforehand and mention the damage on the rental contract. If there is damage, also take pictures of the scratches and other damage.
In the contract will be several insurance to choose from. Let’s see a brief description of the insurances:
Collision Damage Insurance (CDI)
This means your liability for damage caused to the rental vehicle is relinquished if it is involved in a collision. The waiver is limited to a certain amount and often excludes glass (windows etc.), tyres and any towing. The waiver usually carries an excess/deductible of a certain amount; this means that the renter will be liable for a certain amount. This amount will be frozen off your credit card on arrival.
When a car is hired, CDW (Collision Damage Waiver), Theft and Third Party Liability are generally included in the car rental price. There is almost always an Excess (also referred to as Super CDW, Non Waiver or Deductible) on the CDW and Theft portions of the rental. The Excess can range from about £250 upwards to over £2000. This means that in the event of theft or damage to the rental vehicle, the renter must pay the first portion of the cost, i.e. the Excess, to the car rental company. The amount can vary from country to country.
Damage Excess Reduction
This is an amount you pay per day to reduce the amount of Excess on the vehicle. This can include tax.
This removes or reduces the renter’s liability for the attempted theft or theft of the rented vehicle. The waiver may carry an excess/deductible amount, which means that the renter will be liable for a certain amount of the value of the vehicle damaged or stolen, for example up to first £2,000 of the damage. The Theft Insurance provided by the car rental company covers theft of the rental vehicle only. It does not cover your personal effects, which would normally be covered by either your travel insurance or your household insurance. There is generally an Excess on the theft portion of the rental. It is this Excess which is covered by our Annual Excess policies. For negligence issues you are contracted by your rental agreement signed with the agent.
Third Party Insurance
This means your liability for damage caused to other vehicles is relinquished if it is involved in a collision. This is included in the rate.
Collision Damage Waiver (CDW)
This means your liability for damage caused to the rental vehicle is relinquished if it is involved in a collision. The waiver is limited to a certain amount and often excludes glass (windows etc.), tyres and any towing. The waiver usually carries an excess/deductible of a certain amount; this means that the renter will be liable for a certain amount. This amount will be held off your credit card at pickup.
This removes or reduces the renter’s liability for damage to the windows or tyres. These are not covered in the Collision Damage Insurance. It is usually charged at a daily fee.
Personal Accident Insurance (PAI)
PAI insures the renter for the duration of the rental in the event of their accidental death or bodily injury (coverage is 24 hours a day, in or out of the car). The renter’s passengers are also covered while entering, occupying or exiting the vehicle. This cover is sold at the counter. If you purchased personal travel insurance, you should check with your insurance company to see if this provides adequate cover. Most drivers decline this insurance.
Liability Insurance (LI)
Every country has a minimum amount of insurance needed for someone to be permitted to drive. This covers the renter’s liability for any damage caused to other people and/or other people’s property. It is usually limited to a maximum of €1,000,000. The insurance is limited and there may be excess, i.e. you may be liable for any amount over and above the value of the insurance.
Premium Cover/Complete Cover Package
This is an insurance package that includes CDW, theft and third party insurance and reduces the excess significantly. It does not include Personal Accident Insurance or Glass/Tyre waiver. A fee for this is payable on arrival and is usually set at a daily rate. It can also include tax.