Does my car insurance protect me when I rent a car?

Some people think their normal car insurance protects them to drive any car. In fact, your car insurance might only work for your own car. Find out what you need to know to protect yourself when you rent a car.#car insurance USA# car insurance UK#car insurance USA# car insurance London#

A few years ago, protection for driving another car was a standard feature of the most comprehensive car insurance policy. If, for example, you borrow your neighbor's car when your vehicle is in the garage, you will most likely be covered by your own insurance. But rising claims costs have prompted many insurance companies to reduce insurance, and insurance to drive prompted many insurance companies. but the swelling of claims costs has their cars is now an exception rather than the rules. #car insurance USA# car insurance UK#car insurance USA# car insurance London#

What Comprehensive car insurance protection

The standard of vehicle insurance usually only covers the cars listed in the policy. So, if you buy a cover for your Ford Focus, don't assume that you are insured if you bring your friend's BMW to spin around your area or another city.

 Some policies still automatically include protection to drive other cars, but the possibility will be limited if it is not yours. For example, your comprehensive policy will almost certainly protect you only for third parties when you are behind the wheel of another vehicle. Covers for driving other cars also rarely extend overseas and renting a car is almost always excluded, whether you are at home or abroad. #car insurance USA# car insurance UK#car insurance USA# car insurance London#

What you are automatically protected when you rent a car

Car rental covers varies according to country and rental company. If you live in Europe, most car rental agreements include protection for damage, theft, and third party responsibility, so you don't need to buy additional insurance when renting a car. But insurance / insurance details vary according to the brand and model of the rental car and car rental company. To protect yourself from unpleasant surprises, you are always worth reading the terms and conditions so that you are clear about what is included and also clear on what is not included and how limited the cover is.

Damage Covers

Damage cover is usually known as Collision Damage Waiver (CDW). That means you have to pay only 'excess' if there is damage to a particular part of the rental car. This is not technical insurance: car rental companies only waive their rights to ask you to pay. But the advantages of working in exactly the same way as excess insurance, although often higher. If for example, the excess is £ 800 (around 900), you must pay the first £ 800 (around 900) of each damage repair bill.
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What Collision Damage waiver doesn’t cover

It’s worth remembering Collision Damage waiver usually does not cover damage to all parts of the car. The windshield, roof and undercarriage are often ruled out. If the windshield is damaged, then you will do it because it will be responsible for all repair bills, not just excess

You also have to accumulate full costs if you damage a car when it violates a rental agreement, or is legal. So, if you move the car while driving past the speed limit, you will not be covered by a Collision Damage Exemption. Most rental agreements do not include any damage that occurs to the car if you fill up with the wrong fuel, so it is the carrot who is 100% clear about what your rental car takes.

Theft Protection and Third party Liability

Theft Protection is a standard feature of most rental agreements and includes the driver if the rental car is stolen. Again, the excess applies and you must also comply with loan regulations and agreements.

Jargon can be confusing and make it even more confusing, some rental agreements refer to the Removal of Damage, which is a combination of the Release of Accident Damage and Theft Protection.

The responsibility of third parties is a legal requirement and protects you from any damage or injury. people or their property. This is equivalent to third party insurance in the UK and does not include the death or injury of the driver of a rental car. It also does not cover damage to the rental car, because it is covered by a Collision Damage Exemption.
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Buying  'comprehensive' hire car cover

You can choose to increase the standard coverage level so that it is roughly equivalent to a comprehensive insurance policy at a certain cost. You can do this when ordering a car, before you travel, or from a rental company when you arrive at the rental counter to pick up a car.

At your rental counter you may also be offered personal securities insurance, which includes your 

personal belongings in the car. Personal accident insurance is another general addition to a standard

car cover. This insures the driver in a personal injury case

Before you buy extra, it's good to check whether the contents of your home or travel insurance

include your personal belongings outside the home. Travel insurance policies also usually cover 

protection in the event of an injury while you are on vacation

Protect your excess

You might also be offered a Super Collision Damage Waiver, or Excess Waiver Damage, which reduces the excess to zero, or a very small amount. Fees and conditions vary, so it's a good idea to check what you will get for your money.

You can also buy car rental insurance separately, before you take a rental car. It is often cheaper and may also include damage to the windshield, tires, roof and undercarriage. However, keep in mind that if you buy an independent policy, you must pay the excess to the car rental company and then claim back from the insurance company.

 Hopefully it can be useful for You,

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