Car rental: Do you need additional car insurance?

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Going on vacation and renting a car? In this case, is your regular motor insurance sufficient? Is it better to pull out an additional option or bet on your debit card?

Is insurance included in car rental?

need a car be insured by the lessor because car insurance is compulsory in France. you should be by your side minimum protection for the third compensating for material and bodily harm inflicted on others. This is called civil liability. This is usually included in the rental agreement.

To avoid very (very) expensive payments in case of material or bodily damage later, we offer you options: breakdown assistance in the event of a breakdown, a driver’s guarantee that protects the driver in the event of a traffic accident even if he assumes responsibility, or a deductible amortization in the event of a large amount to be paid after the guarantee.

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For a city car, between 15 and 30 Euros per rental day is required for optimum coverage, according to specialist site Serenitrip. without surprise, the higher the vehicle’s range, the higher the price.

Do I have to take out insurance from the rental company?

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Number. Moreover ask your usual insurer if you drive a vehicle all year. This can give you an offer based on your driver profile. But insurers like Serenitrip offer short car insurance contracts starting at 5 Euros per day and are guaranteed without unpleasant surprises in case of a claim.

Does my credit card cover me when I rent a car?

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Oftentimes, high-quality cards are seen as the holy grail at holiday time. Visa Premier, Mastercard Gold or American Express are known to cover the loss of luggage while traveling by plane, but are they useful in the case of car rentals? These cards offer redemption redemption, which is very useful as amounts can be increased in the event of damage or theft, depending on the rental car and the tenant’s profile (3 years license or minimum 25 years required).

First of all, learn to avoid subscribing to the same warranty twice.

How to find abroad?

You will be presented with options when renting your car abroad. These are technically the same ones found in France, but formulated in English to make them easier to understand abroad. The most common are:

  • CDW option Allows for Collision Damage Waiver to lower the downloadable level, i.e. equivalent to the downloadable buyback
  • PT option Limits the driver’s liability in case of theft or damage to the vehicle for Theft Protection;
  • IAP option Personal Accident Insurance protects the occupants of the vehicle against bodily injury.

In this context, the European Consumer Center urges customers to be especially careful when renting a car through a broker. As a matter of fact, 55% of those checked by the European Commission are the rental conditions, the total fee payable, the damage covered by the insurance, the additional costs (mileage, young driver, etc.) Who, the lessor or the agent is contacted in case of a problem.

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What are the most common exceptions?

Sites of insurance companies and sites of rental companies are mostly theft or loss of keysread the claims drunk driver, taking drugs, using drugs, when damage occurs, the vehicle should already be returned; The usual exceptions for optimal coverage are forged documents or false personal information, or attempted suicide.

Which insurance contract for car rental between people?

stop by peer-to-peer car rental platformyou will be offered a basic third-party insurance policy, as in a professional rental company. Warranties are also offered as an option.

For private person rentals without intermediaries, the lessor should contact the insurer. The auto contract received should allow commercial use of the vehicle and driving by a non-family member.

The tenant must present an insurance certificate for the owner’s insurance to guarantee coverage in case of damage.

Car insurance: change the contract

Source From: Google News

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