Car Rental Insurance in UK
One of those perennial questions....anyone have any good alternates to the loss/damage waivers, personal accident etc insurance options that car rental companies provide ?
Am going back on a holiday/vacation to the UK in a month or so. For the last few years used American Express to charge for rental, which had an explicit primary rental car coverage. Have dropped my Amex card (couldn't justify its cost when the customer service was crap), so wondered if anyone has found decent independent car rental insurance. |
Re: Car Rental Insurance in UK
Originally Posted by dinosaur
(Post 4593227)
One of those perennial questions....anyone have any good alternates to the loss/damage waivers, personal accident etc insurance options that car rental companies provide ?
Am going back on a holiday/vacation to the UK in a month or so. For the last few years used American Express to charge for rental, which had an explicit primary rental car coverage. Have dropped my Amex card (couldn't justify its cost when the customer service was crap), so wondered if anyone has found decent independent car rental insurance. |
Re: Car Rental Insurance in UK
For like $3 you can add a 'rental car' rider on your US car insurance (assuming you have a car in the US). It pays for itself in about a day of renting a car as all those stupid insurances they offer are really expensive.
Might need to check if it is valid everywher. The other thing about car hire in the UK is that they often slap a $1,000 deposit/hold on your credit card when you rent. Really annoying. |
Re: Car Rental Insurance in UK
Originally Posted by Boiler
(Post 4593234)
Why do you want Personal Accident Insurance when renting a car?
|
Re: Car Rental Insurance in UK
Originally Posted by penguinsix
(Post 4593235)
For like $3 you can add a 'rental car' rider on your US car insurance (assuming you have a car in the US). It pays for itself in about a day of renting a car as all those stupid insurances they offer are really expensive.
Might need to check if it is valid everywher. The other thing about car hire in the UK is that they often slap a $1,000 deposit/hold on your credit card when you rent. Really annoying. And it only gives you the same level of cover as you have on your own vehicle. Not normally a cost option, but that might vary by State. I never have bought down, but then I tend not to buy warranties etc. |
Re: Car Rental Insurance in UK
some of the other credit card companies offer the same as Amex - so might be worth checking.
In the UK the third party bit is covered in the rental by law - so you just add the fully comp bit - and its fairly pricey. Some of the rental companies wont allow you to quote without insurance and bundle in all in so its worth checking. |
Re: Car Rental Insurance in UK
In the UK the third party bit is covered in the rental by law Unlike the US, most UK Policyholders do not have cover that would include rental cars. |
Re: Car Rental Insurance in UK
Originally Posted by Boiler
(Post 4593434)
Not unless the law has changed in the last couple of years. Companies often use their own insurance rather than 'buy' the rental companies cover.
Unlike the US, most UK Policyholders do not have cover that would include rental cars. I agree - personal car insurance in the UK doesnt cover rental cars unless after an accident (i.e. courtesy car) and then it usually has to be specifically added. |
Re: Car Rental Insurance in UK
We have been checking car rental for UK and found that 1car1.com includes VAT and fully comprehensive in its price.
|
Re: Car Rental Insurance in UK
Originally Posted by Pamela 1
(Post 4593483)
We have been checking car rental for UK and found that 1car1.com includes VAT and fully comprehensive in its price.
|
Re: Car Rental Insurance in UK
Originally Posted by Big D
(Post 4593471)
That is just the fully comp bit - third party is included to ensure that it is in place. Large companies use their own fully comp bit - the only bit you can buy is fully comp. Many large companies self insure anyway rather than pay huge premiums.
I agree - personal car insurance in the UK doesnt cover rental cars unless after an accident (i.e. courtesy car) and then it usually has to be specifically added. But we are moving off subject. |
Re: Car Rental Insurance in UK
Originally Posted by Boiler
(Post 4593496)
You can self insure Third Party, actually RTA, as well. The Rental Company needs a copy of your Certificate on file.
But we are moving off subject. |
Re: Car Rental Insurance in UK
Actually I was refering to a Bond in lieu of Insurance, an option under the RTA.
Self Insurance is actually well on topic, we all do it, sometimes we do not do it knowingly. Policy deductibles being a classic example in this case. But with Auto Insurance most peoples biggest self insured exposure is above their limits of liability which in the US can be very low, they just do not think about it that way. |
Re: Car Rental Insurance in UK
Originally Posted by Boiler
(Post 4593540)
Actually I was refering to a Bond in lieu of Insurance, an option under the RTA.
Self Insurance is actually well on topic, we all do it, sometimes we do not do it knowingly. Policy deductibles being a classic example in this case. But with Auto Insurance most peoples biggest self insured exposure is above their limits of liability which in the US can be very low, they just do not think about it that way. |
Re: Car Rental Insurance in UK
Originally Posted by Big D
(Post 4593411)
some of the other credit card companies offer the same as Amex - so might be worth checking.
There are also products like this, but it is difficult to judge them. |
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