Normally rental cars come with three basic types of cover.
Will my own insurance cover a rental car. Your own insurance does not fully cover the rental car. Insuring your hire car can be confusing. Fortunately rental companies tend to include their own cover when they let you hire a car.
Refer to your own auto insurance policy for details as coverage and limits vary by insurance. For example thefts as a result of negligence such as leaving the car keys in the ignition will not be covered. 12 Months Insurance and Breakdown Cover Included for Young Drivers.
Rental reimbursement coverage will help you pay for a rental car as part of a covered auto insurance claim. Ad Compare Insurance Quotes For A Range Of Cover Types With Compare The Market. In addition most renters or homeowners insurance policies cover personal items that could be stolen from your rental.
In order for your primary automotive insurance to cover your rental car youll need three types of coverage. Youre typically covered between 30-60 per day for up to one month. If you have liability collision and comprehensive insurance on your own vehicle you will already be protected at least up to the policys limits for most of the coverages that are typically offered by rental companies.
Find out what your options are so you can be confident you have the insurance you need at the right price. Most insurance companies including Progressive offer rental car reimbursement coverage which reimburses you for the cost of a rental car while your vehicle is being repaired due to a covered accident. 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.
Most hire car insurance policies are included in the price you pay when you book but its worth exploring whats covered as its not always the same level of cover youd expect if you were buying insurance for your own vehicle. In most cases your car insurance will cover a rental if it is a replacement vehicle Your current coverage will most likely not cover a luxury vehicle that you rent If you have questions be sure to ask an agent before making any decisions You should never feel pressured to buy the car insurance offered at the counter when you are renting a car. Car insurance provides protection in case something goes wrong with the rental car while under your car.