But confused car hire insurance

Discussion in 'UK Community Board' started by aneka, Nov 8, 2017.

  1. aneka

    aneka Mouseketeer

    Joined:
    Apr 18, 2013
    Messages:
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    sorry I asked this question elsewere but the responses just made me more confused, thinking it might be caus they were American

    Care hire with Avis includes CDW and third party cover / supplemental liability

    Is this all the cover I need ?
    Just worried as I was looking at the small print and in brackets it’s telling me under the CDW section the rental car isn’t covered?
    Does that mean if I don’t get extra cover I’d have to replace the rental car if I was in an accident?
    Wot other insurance do I need to get at the rental desk when picking up the car ?

    Small print below

    “•CDW (Collision Damage Waiver) and Vehicle Theft coverage with Zero Excess.

    (Not covered under the included cover: Tyres, Wheels, Rear view and side mirrors, Windows, Hubcaps, Taxi (transportation), Towing costs, Locks, Battery, Motor, Undercarriage and Interior of car, Clutch, Replacement Keys, Damage to oil sump, Catalytic convertor, Radiator).

    •Third Party Cover/ Supplemental Liability Insurance (up to 1 million USD).”

    I don’t have insurance with my credit card and I’m pretty sure my at home insurance for my own personal car in Ireland only covers me for my own car and non rental cars borrowed in Ireland
     
  2. Jon84

    Jon84 wdwaddictuk

    Joined:
    Jun 30, 2015
    Messages:
    1,850
    Unless you've got deep pockets you'll need to look at extra insurance.

    I would suggest you buy through a broker site (Argus, USRentACar, rentalcars.com etc)

    They'll always make sure you have nothing to pay except possibly some excess in the event of an accident.
     
    marcyleecorgan and starry_solo like this.
  3. starry_solo

    starry_solo DIS Veteran

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    Nov 19, 2010
    Messages:
    2,553
    You will want to get some type of insurance that is PRIMARY coverage, that is coverage that is gone to first, before any other coverage.

    Most of the coverage offered by car rental companies is SECONDARY, so that it covers any amounts not covered by your own insurance company (in the US, most people's insurance companies (for their personal vehicles) will cover rental cars and the credit card coverage is secondary.
     
    marcyleecorgan likes this.
  4. finchy3

    finchy3 Mouseketeer

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    Jan 30, 2014
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    USrentacar is a good broker we have used many times.
     
  5. Scillycruisers

    Scillycruisers Mouseketeer

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    Jan 21, 2011
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    Coming from the UK, we always hire our US rental cars through the UK site for whichever company we choose and get the full insurance cover. If we're not sure what's being covered we phone to check. We have never needed anything extra when collecting the car.
    It was some years ago we had an accident with the rental car (we were parked in a proper parking space and someone ran into the side of us, so no question that it wasn't our fault). The car was a bit of a mess but drivable, we rang and let them know and they offered a new car which we didn't take up. When we dropped it back they didn't bat an eyelid, no charges and no questions, the insurance just covered it.
     
    finchy3 likes this.

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