Rental car insurance

Renting a car at home or abroad can be a daunting task, full of big and small print document that all seem confusing. Rental car insurance, like car insurance, designed to try and make you spend more than you need. It is therefore important to compare car insurance policies and know exactly what you are looking for when doing so. This guide will take you through the basics of rental insurance and excess while giving you some tips when researching the best deals.

How does it works?

  • When hiring a car, all rental companies must provide basic insurance. Usually, it is called CDW or LDW. CDW CDW is short, while LDW is short for exemption from damages for loss.

  • These two types of insurance essentially means the same thing and will only cover damage to certain parts of the car you rented. Therefore, you should check the policy beforehand.

  • This type of insurance typically includes basic things such as theft, damage and third party liability.

  • Civil liability is when damaged or injure something or other and generally is not covered when you rent a car in the United States or Canada

Rental car insurance policies:

There are many different policies that can be achieved with different levels of coverage. Some of the keys are as follows:

  • Collision Damage Waiver - protects you if the body is damaged.

  • Theft protection - you will not have to pay for a new car should be stolen yours.

  • Civil liability - if you are injured or any damage or any person while driving.

How do I find the best deal on my car rental and car insurance?

Renting a car and car insurance that comes with it, it is like any other purchase - the more research you do the better. There are some key tips when it comes to renting you should consider:

  • Avoid renting at the airport: A renting at the airport, they know they are your only option, and often are encouraged to put in as many extra charges

  • Search the Internet: do not take the initial price it has been cited as definitive. There are always coupons and codes available online that can make it cheaper.

  • Prepaid rent: Although much cheaper, they are inflexible and do not allow you to change if you change plans so you could lose money if you pay too early

  • Credit Card Most credit cards have travel insurance that covers prepaid and, so always check with your credit card company.

  • Normally, rental cars come with three basic types of coverage: covers damage (technically called collision damage), theft cover (Theft Protection) and third party cover (Civil Liability).

In the book a car, they will come standard in its cast. The three basic types of coverage come with an excess (the first part of the bill, which will have to pay). The damage cover, called collision damage and only covers the body of the car. The engine and windows, for example, are not covered. You can buy insurance to cover the franchise and / or extend the cover which protects standard.

Secure online booking

When you book your car through a comparison site or a broker, you can easily compare rental companies, different vehicles and different prices at once. And you can buy additional insurance to complete what your offer comes with.


:ok:The price is often lower lid available directly from the rental company.You can organize all your rental home in your own time and compare prices.
:ok:If you rent a car abroad, you do not have to worry about language problems as may claim when you’re back home.
:ok:You have an independent company to discuss their demand. For example, if the rental company charges you for something that does not agree with your insurance company can help fight the charge.


:negative_squared_cross_mark:The price is often higher than the purchased insurance to an independent insurance company.If the car is damaged, you must pay the rental company first and then claim it back.
:negative_squared_cross_mark:This type of insurance will not reduce excess deposit or you will pay when you pick up the car (although it does ensure both).

Insure your car through a third party insurance company

You can choose to purchase insurance from a third party insurance company. There are several online options specially designed car rental. This is often sold as ‘franchise protection’.


:ok:The price of the franchise protection usually be less than the additional cover of a comparison site or directly from the rental company.
:ok:You can shop from home, and you may have the option of buying annual coverage.
:ok: If you rent a car abroad, you do not have to worry about language problems as may claim when you’re back home.
:ok:If the rental company charges you for something that does not agree with the company that bought your insurance can help combat this burden.


:negative_squared_cross_mark: If the car is damaged, you must pay the rental company first and then claim it back.
:negative_squared_cross_mark:This type of insurance will not reduce excess deposit or you will pay when you pick up the car (though not as secure)

Do not buy any additional insurance at all

You can just stick to the basic cover that comes with the deal.


:ok:No additional cost. You just pay for your rent and nothing else on top of additional insurance.


:negative_squared_cross_mark:Your excess will not be protected or reduced. So if the rental car is damaged while you have it, you will be responsible for the full excess and lose your deposit.
:negative_squared_cross_mark:Covers basic unibody packages. So if (for example) the engine, landing gear, wheels windows or damaged, you will have to pay the full cost of repairs. For more information, see which parts of a rental car covers CDW?
:negative_squared_cross_mark:If the rental company charges you for something that does not agree with, there is no independent insurance company to help in the fight against these charges.


To help you choose a good comprehensive insurance policy for your car, here are some questions to ponder:

:heavy_check_mark:Does it cover damage to the engine, tires, wheels, roof, undercarriage, windows and mirrors?

:heavy_check_mark:Does it cover the cost of towing and roadside assistance?

:heavy_check_mark:Does it cover your luggage and other personal items

:heavy_check_mark:Do not cover you if you lose your keys?

:heavy_check_mark:fee covers rental business administration?

:heavy_check_mark:And it actually regulates insurance?

Option Price Excess protected? Deposit and excess reduced? Pay first, then claim money back? Separate insurer to assist?
Insure online when you book More expensive than third-party, cheaper than directly from rental company :heavy_check_mark: :negative_squared_cross_mark: :heavy_check_mark: :heavy_check_mark:
Insure directly with the rental company Usually the most expensive option :heavy_check_mark: :heavy_check_mark: :negative_squared_cross_mark: :negative_squared_cross_mark:
Insure your car through a third-party insurer Usually the cheapest option for additional insurance :heavy_check_mark: :negative_squared_cross_mark: :heavy_check_mark: :heavy_check_mark:
Don’t buy any additional insurance at all Cheapest (no additional cost) :negative_squared_cross_mark: :negative_squared_cross_mark: :negative_squared_cross_mark: :negative_squared_cross_mark:

Rental auto business usually supply insurance policy by means of a loss damages waiver or crash damages waiver (LDW or CDW). This kind of insurance coverage covers you if your rental vehicle is harmed in an accident, taken or ruined. With this waiver, the auto rental business will not seek you for repair work as well as losses

Credit card rental car insurance

  • Based on the coverage of credit card means that might still be on the hook for thousands of dollars!

  • US residents, your credit card probably offers car insurance secondary rent that is only activated after making a claim through your personal auto insurance (which can potentially lead to increased rate).

  • cover credit card often has a long list of exclusions, such as damage caused by additional drivers, keys lost, road repair costs, windshield, landing gear, mirror and roof damage to rent long term, and steep fees that rental companies add to your repair bill.


:ok:Allows you to skip additional car rental fees
:ok:Can let you avoid filing a claim with your insurance company


:negative_squared_cross_mark:Some vehicle types excluded
:negative_squared_cross_mark:Coverage usually limited in duration
:negative_squared_cross_mark:Coverage usually limited in dollars|
:negative_squared_cross_mark:Coverage limited in scope

Related Article:
1- Credit card rental car insurance
2-Should i get rental car insurance?

Discount on seniors cards

We are proud of card holders offer seniors an exclusive 30% discount on car rental insurance for your next national or international vacation.

Rental housing provides complete protection against theft and costly damage to your rental vehicle; whether it is a car, 4x4, bus or motor home. Get the peace of mind that comes from knowing that a small scratch will not become thousands of dollars in repair costs and fees. Please note that this discount is only available for Australian customers.

Seniors Card

Discount can apply on these senior cards

Frequently asked questions:

If you are travelling for work or fun, do so with faith. Equip your wallet with a credit card which surprisingly provides rental insurance known as Credit card rental car insurance which is used to get the extra help needed while you are on the road.People also for:

Should I Get Rental Car Insurance?

Are you looking for should i get rental car insurance:Yes, if you do not presently have insurance coverage, you’ll require to a minimum of acquire obligation insurance coverage from the rental firm prior to you hit the trail. That’s since responsibility insurance coverage for all vehicle drivers is called for by regulation in the majority of states.

Does My Car Insurance Cover Rental Cars?

If you have rental cars and you wondering about does my car insurance cover rental cars.Basically, it depends upon the company you choose for insurance but in most cases rental cars are currently inured. For example, your charge card service or private vehicle insurance policy protection distributor could offer rental insurance plan. You might not need to obtain included car insurance policy protection from the rental vehicle company.

How long is valid for my quote?

When compared with the policies of the United States, the quotes offered will be valid until the date you chose for your policy to start the beginning of the process.

How long it will last policy?

Policies duration of one year, if you want cover for a short period of time, will have to opt for a temporary or short-term policy.

How much can you save by comparison?

Research suggests that by comparing auto insurance quotes online customers tend to save between £ 213 and £ 234 when buying a policy, compared to what they would be paying if they went directly to insurers.

We are pleased to report that, compared to other comparison services, our customers find the cheapest prices offers standard in more than half of cases.

How many suppliers do you compare?

quotes from a panel of over 100 of the leading suppliers in the market are compared to ensure the best deals for our clients.

Why do I have to give my phone number?

Your phone number is one of the details that need the insurance provider to include in your policy document.

Do not worry; We will not share your contact information with third parties if you choose not for us.

Why do you need to know my address?

Besides being necessary for policy document, address and location will have an impact on the cost of your policy, since the risk of auto theft varies from city to city.

Sometimes, postal codes are entered on our way our system can not locate. If this happens, simply enter a zip code from a nearby area, we will be able to get an accurate quote.

Why do you need to know if I smoke?

insurance prices rise slightly if you are a smoker. This for several different reasons, but mainly due to the fact that if you smoke while driving and, as it would, using their hands to do so, its ability to fully concentrate their attention on driving decreases slightly.

The additional risk of sudden health problems such as death or loss of knowledge also plays a role in increasing the price of insurance.

I have been informed that I have answered a question incorrectly?

If you have made a mistake filling up the form, we will highlight in red the areas where the mistake has been made so that you can easily and quickly correct it.


  • From all of above scenario of rental car insurance we conclude that One of the most important things to consider buying insurance to car rental is to check what is covered and what is excluded from your insurance policy. Common exclusions in most car rental insurance are damage to the engine, tires, wheels, roof, undercarriage, windows and mirrors.

  • Another thing that almost never covered in the basic insurance car rental coverage is key and lock. So if you lose your keys or get locked out of your car, your insurance policy will not cover.

  • In the same way, if the car breaks down or meets with an accident and in need of roadside assistance, most likely your car rental insurance is not covered for that

Related Articles:

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2-Do you need insurance to rent a car?
3- car insurance policy for new drivers?
4- cheap car insurance companies in Ireland?
5- what is gap insurance?
6- what does gap insurance covers?