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Can my insurance cover rental car. If for example you borrowed your neighbours car when your vehicle was in the garage you would more than likely be covered by your own insurance. You can buy a daily or annual policy. Car Hire Excess Insurance is not a legal requirement however many customers opt to purchase this type of cover to avoid expensive excess waivers charged by the rental companies themselves.

However you can purchase personal accident insurance from your rental company to protect yourself. In fact your car insurance probably only works for your own car. Any car you rent should come with third-party car insurance as standard.

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Normally rental cars come with three basic types of cover. Car rental contracts usually offer some level of cover for example Collision Damage Waiver CDW sometimes referred to as Loss Damage Waiver - LDW or third-party liability insurance however car hire excess insurance can offer further piece of mind. Strictly speaking you dont need additional insurance when you rent a car.

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It does not cover you or your rental car. Fortunately rental companies tend to include their own cover when they let you hire a car. Cover for you and up to seven additional drivers aged 21 to 85 years old.