FrankCastle

Hi All,

I can't seem to find any threads on this but does anyone know where i can purchase Supplementary Liability Insurance (or additional liability insurance). If anything really bad happens it's just one less thing to worry about having cover against third party claims.

Trying to use my opportunity whilst i'm here on a work visa to see as much of the US as i can and finding renting a car for my vacations is the best way
Seems every site i look at only sells this to UK/some EU residents.

If i look for it on the rental sites either nothing is mentioned or its another $16.99 a day via the rental companies.... (unless i say I'm a UK resident and then its included in the price)
Does anyone have any advice on where I can get a policy that covers this or if it is just in there already?

Thanks!

Nutmegger

Have you checked your own auto insurance policy? Your credit card benefits?

FrankCastle

So i don't have an auto insurance policy (don't own a car) and my credit card only covers the damage to the vehicle itself but not third party liability insurance.

Although if you knew a credit card that did that might solve my problem

Nutmegger

FrankCastle

I don't but I think you've just solved it for me. Looking at that now and it's exactly what i'm after.
Great tip; thanks!

Nutmegger

Olly_

Umbrella policies top up coverage that you already have and they usually specify existing coverage minimums - you can't buy an umbrella policy by itself for liability coverage.

For example, Geico says...

You can get non-owner liability coverage from some insurers which is more likely to do what you want. It's a bit niche though so you may have to shop around and speak to some agents.

petitefrancaise

https://www.nerdwallet.com/blog/insu...car-insurance/

Rete

Where are you looking. Once you are in the US, even though your not entering as a PR but on a work visa, you are residing in the US, will be paying US taxes, etc. and should be looking for rentals within the US and all rental companies offer insurance and many a supplemental package at the time and for the duration of the rental. Never had I been asked for my nationality when renting a vehicle.

Will be you renting or buying a home or apartment while in the US? Check with the insurance company that you will getting your homeowners or renter's insurance with as to whether or not they will cover you for additional liability if you involved in an auto accident.

TheKingOfHearts

Generally, the best practice is to get a credit card which offers "Primary" rental car coverage, good examples of these are the Chase Sapphire line (The preferred being the cheapest) if you have an AMEX they offer a premium insurance for a one-time fee for $24 per rental (up to 30 days)

Almost all rental car providers provide liability insurance to my knowledge, they don't often provide coverage for damage to the rental vehicle itself, however, that's where your credit card or personal auto coverage kicks in.