All about Car Rental and Insurance

Insurance is an essential point when it comes to renting a car for a weekend, a business trip or during the holidays. It is important to consider insurance in order to rent a car with peace of mind. Some options may be essential despite the basic guarantees. We give you more details.

Insurance included in the rental contract

Car rental allows you to have a vehicle at your disposal if you have a driver’s license and do not have a vehicle. Whether for a long or short term rental, the tenant is covered in Civil Liability. In the event of bodily injury and/or material damage caused to third parties, you are covered. But, you are not covered in the event of damage done to yourself. As a driver, you must also have auto insurance. The insurance comparator helps you find the auto insurance that’s right for you. Some auto insurance policies can cover physical damage to the driver of a rental car. An advantageous guarantee when it comes to renting a car. You can take out additional guarantees from the rental company to cover damage such as fire, vandalism, etc. The rental contract also includes a franchise.

Individual auto insurance extended to car rental

The holder of an auto insurance contract benefits from certain guarantees to drive a rental vehicle with complete peace of mind. Indeed, the guarantees of certain auto insurance can be extended to a rented vehicle. Taking out a car contract including a personal driver’s guarantee is particularly interesting. This makes it possible to benefit from compensation in the event of physical damage. It is recommended that you take the time to read the auto insurance contract carefully before signing. If in doubt, do not hesitate to ask for clarification. Warning ! Check if you are covered for a car rental abroad.

Additional guarantees

It is risky to drive a rented car if you do not have other protections apart from Liability coverage. To avoid paying dearly in the event of a claim, it is necessary to take out additional guarantees. The “TP” (Theft Protection) deductible reduces your liability if the rented vehicle is vandalized or stolen. The “CDW” option (Collision Damage Waiver) limits the amount of the excess if the driver collides with another vehicle. The “super CDW” makes it possible to redeem the franchise. The “PAI” option (Personal Accident Insurance) allows the driver and those on board to benefit from protection.

Cases where insurance does not come into play

Insurance does not intervene in various cases. This is because insurance does not work if the losses occur when the driver is under the influence of drugs, drunk, taking medication, etc. The insurance does not cover damage occurring after the time when the vehicle should have been returned to the lessor. The theft of vehicle keys and the impossibility of returning them to the lessor are also part of it. If you have entered false information about your identity or driver’s license, the insurance also does not work. Other cases such as vehicle degradation, attempted fraud, use of the car for competition or testing are not affected by the insurance. It is necessary to avoid overloading passengers if you want insurance to come into play. It is important to respect the registration document regarding the number of people you can carry. Regardless of the length of the rental period, take a good look at the rental agreement.