Published on : 09 July 20202 min reading time
Do you rent a car? Follow our few tips to read the rental companies’ contracts and know your insurance rights. You will be able to drive in complete serenity! You can find also at https://uk.getaround.com/ further more information about car rental.
When you take out a car rental contract, you automatically benefit from an insurance contract, which is often included in the rental of the vehicle. But this is a basic contract, you should know that! In the event of a law enforcement check, you are covered, but in the event of a problem or accident, what really happens? Contracts vary from one lessor to another but some risks are not included in the basic insurance contract. The latter are generally limited to civil liability insurance. For example, in the event of an accident, this insurance will cover damage caused to others but not to your rental vehicle. This applies if you are at fault for the accident. If necessary, it is the insurance of others that will cover all the costs.
Very high deductibles
Read the contracts carefully because some rental companies do not offer deductibles and in the event of an accident for which you are responsible, you must then pay the rental company directly for the repairs. Some offer deductibles but with very high amounts. These amounts are still capped and the other party is paid by the insurance. In any case, in the event of an accident, one thing is certain: the bill can be very expensive.
The subscription of a complementary insurance
Depending on your needs and preferences, you can choose to take out additional insurance for the duration of the loan. This possibility ensures you a lower deductible in the event of a problem, but it will still exist (partial repurchases of the damage, theft deductible or coverage for people in need of medical and technical assistance). You can sign this optional insurance directly with the car rental company. While this additional step necessarily involves additional costs, it can be very interesting in the event of damage….
But first of all, also check the insurance of your credit card with which you made your reservation. This card can automatically integrate this deductible purchase. In this case, it is not necessary to take out additional insurance.