Tag: insurance

United Kingdom Rental Car Insurance- All-in-One Guide

Renting a car in the United Kingdom opens up endless opportunities to explore its rich history, scenic countryside, and bustling cities. However, before hitting the road, it’s essential to understand the ins and outs of car rental insurance in the UK. This guide covers everything you need to know to make your trip smooth, secure, and stress-free.

Renting a Car in the UK- The Essentials

To rent a car in the UK, you’ll need to prepare the following documents:

  • A Valid Driver’s License: Licenses issued within the EU/EEA are accepted without additional documentation. Non-EU/EEA drivers will require an International Driving Permit (IDP). Be sure to get one before setting off.
  • A Credit Card: Most rental companies require a credit card under the primary driver’s name for deposit purposes. A debit card may be accepted but will incur a higher deposit, check with the rental company first.
  • Minimum Age Requirement: Most companies set the minimum age at 21, but additional fees often apply to drivers under 25 or over 70.
  • Identification: A valid passport or government-issued ID is required for verification. Naturally, the name must match the one in the booking and on the credit card.

If you’re unsure about your eligibility, check the specific requirements of your chosen rental provider ahead of time.

Mandatory Rental Car Insurance in the UK

The UK’s car insurance laws require all rental cars to include Third-Party Liability Insurance. This basic coverage is a legal necessity and provides protection against:

  • Injury or damages to third parties: Covers costs for accidents where you’re at fault.
  • Property damage: Includes damages caused to another person’s property.

However, Third-Party Liability does not cover:

  • Damage to the rental car itself.
  • Theft or personal injury to the driver and passengers.

These gaps make additional insurance highly advisable for renters.

Additional Rental Car Coverage In the United Kingdom

When renting a car in the UK, you’ll encounter various optional insurances designed to reduce financial risk:

Collision Damage Waiver (CDW)

CDW limits your financial responsibility for damage to the rental car. While most UK rentals include basic CDW, it often comes with a high excess (deductible). Adding a Super CDW can further reduce or eliminate this excess, giving you peace of mind.

What CDW Covers:

  • Collision-related damages.
  • Repairs required due to accidents.

What CDW Does Not Cover:

  • Damages to windows, tires, or the undercarriage.
  • Lost or damaged keys.

Theft Protection (TP)

Theft Protection reduces liability if the rental car is stolen. While essential, it also often comes with an excess that can be reduced through additional coverage.

Key Points About TP:

  • Does not cover personal belongings left in the car.
  • Always ensure the vehicle is locked and parked securely.

Personal Accident Insurance (PAI)

PAI covers medical expenses for the driver and passengers in the event of an accident. However, many travelers find they already have this coverage through travel insurance.

Windscreen, Tires, and Undercarriage Protection

Standard CDW may exclude certain parts of the car, such as:

  • Windscreens and windows.
  • Tires.
  • Undercarriage.

Adding this specific protection can save you from unexpected repair bills for these often-vulnerable components.

Glossary- Car Rental Insurance Terms to Understand

Understanding the terminology used in car rental insurance is crucial:

  • Excess/Deductible: The amount you’re responsible for paying before insurance covers the rest. Higher excess usually means lower upfront costs.
  • Zero-Excess Insurance: A policy that eliminates the excess entirely, albeit at a higher daily rate.
  • Exclusions: Conditions or scenarios not covered by insurance, such as driving under the influence or off-road.

Reporting Rental Car Damage Claims

Should you encounter an accident or damage the vehicle, follow these steps:

  1. Document the Scene: Take photos of any damage and note the time and location.
  2. Notify the Rental Company: Report the incident immediately to avoid complications.
  3. Complete an Accident Report Form: Most rental providers will require this document for insurance claims.
  4. Understand Your Liability: Review your coverage to know what costs you may be responsible for.

Bonus- Navigating Tolls and Congestion Zones

The UK has a network of toll roads and congestion charges, particularly in London. Most rental providers offer solutions such as automatic toll devices or advice on paying charges. Ensure you understand:

  • Congestion Charge Zones: Check if your route includes restricted areas like central London.
  • Toll Roads: Examples include the M6 Toll in the Midlands.

Failing to pay these fees can result in fines, which are often passed onto the renter with additional admin charges.

Why Choose Rentalmoose for Your UK Road Trip

Booking your rental car with Rentalmoose ensures a seamless and reliable experience. Say goodbye to hidden fees and unexpected costs. Rentalmoose plants a tree for every booking!

Your Ultimate Guide to Car Rental Insurance in Portugal

Renting a car in Portugal can be the key to exploring its beautiful coastal roads, historic cities, and hidden gems. However, understanding car rental insurance options is crucial to ensuring a smooth journey. Here’s your comprehensive guide to car rental insurance in Portugal.

Renting a Car in Portugal- The Essentials

To rent a car in Portugal, you’ll need the following documents:

  • A valid driver’s license: If issued outside the EU/EEA, you may also need an International Driving Permit (IDP). Be sure to get one before you leave.
  • A valid passport or ID card: Required for identity verification.
  • A credit card: Most rental companies mandate a credit card under the renter’s name for security deposits, especially for higher-value vehicles. Some providers accept debit cards, but expect a higher deposit.
  • Minimum age and surcharge details: Drivers under 25 or over 70 may face additional fees or restrictions. Check the terms and conditions before booking.

Mandatory Car Rental Insurance in Portugal

Unlimited Third-Party Liability Insurance (TPL)

In Portugal, unlimited Third-Party Liability Insurance (TPL) is a legal requirement. It covers damages or injuries caused to other people or property in an accident. TPL is included in your rental agreement, ensuring you meet the country’s legal standards.

Note that the TPL does not cover any damage done to the rental car itself, as well as injuries to the driver or other occupants in the rental car.

As TPL coverage is very limited, it is recommended to opt in for some additional protection. This can include any of the following:

Collision Damage Waiver (CDW)

While not legally required, CDW can certainly come in handy should things go south. A Collision Damage Waiver reduces your liability for damages done to the rental car. This type of coverage will come with a set deductible, which can be lowered (or completely eliminated) for an additional cost.

Theft Protection (TP)

As the name suggests, this type of coverage will protect you from financial responsibility if the rental car is stolen. Similar to CDW, Theft Protection will come with a deductible.

Super Collision Damage Waiver (SCDW)

You can also purchase Super CDW (SCDW) to reduce the deductible further or eliminate it entirely. Without these, you may face substantial repair or replacement costs.

Personal Accident Insurance (PAI)

PAI covers medical expenses for the driver and passengers in case of an accident. While it’s an optional add-on, many travelers already have this coverage through travel insurance.

Steps to Handle Rental Car Damage Claims

If your rental car is damaged:

  1. Document the damage: Take clear photos and videos of the affected areas.
  2. Inform the rental company: Report the incident as soon as possible.
  3. Review your coverage: Understand the terms of your insurance or waivers to assess your liability.

Bonus- What To Consider For Car Rentals in Portugal

Credit Card Insurance

Some credit cards offer secondary insurance for car rentals in Portugal. However, this coverage often comes with restrictions, such as excluding Portugal or requiring you to decline the CDW provided by the rental company.

Verify your card’s benefits before relying on this option.

Cross-Border Travel

If you plan to drive into neighboring Spain or other countries, ensure your rental agreement permits it. Some companies charge extra fees or restrict international travel.

Additionally, confirm that your insurance covers cross-border trips.

Unauthorized cross-border travel is strictly forbidden and will void all insurance!

Electronic Toll Devices

Portugal’s highways are known for electronic toll systems. Many rental cars come equipped with toll devices, but these may incur daily fees.

Using the device simplifies toll payments and avoids fines.

Roadside Assistance

Not all rental packages include 24/7 roadside assistance.

Consider upgrading your coverage for peace of mind during your journey.

Book A Rental Car with Rentalmoose in Portugal

Rentalmoose simplifies the car rental process by offering competitive prices, access to reliable providers, and environmentally conscious practices. For every booking, Rentalmoose plants a tree, making your travels more sustainable. With user-friendly features and transparent terms, you can explore Portugal with confidence and ease.

The Complete Guide to Rental Car Insurance in Austria

Austria is a dream destination for road trippers, offering everything from alpine roads to picturesque towns and vibrant cities like Vienna and Salzburg. Renting a car is a fantastic way to explore the country at your own pace. However, understanding car rental insurance options is vital to ensure a stress-free experience.

Here’s an in-depth guide to navigating car rental insurance in Austria.

Renting a Car in Austria- Required Documents

Before you get behind the wheel, ensure you meet the basic requirements for renting a car in Austria:

  • Driver’s License: EU/EEA licenses are accepted without additional documentation. For non-EU licenses, an International Driving Permit (IDP) may be required. Note that an IDP must be obtained back in your home country!
  • Age Requirements: Most companies require renters to be at least 21, with an additional young driver fee for those under 25.
  • Credit Card: A valid credit card under the renter’s name is necessary for deposits and payments. Some rental companies may accept debit cards, but this will incur a higher security deposit.
  • Passport or ID Card: For identity verification. Naturally, this must match the name on the booking and the credit card.

Once you have all the documents prepared, it’s time to dive into the insurance policies!

Mountain road in Austria. Learn about rental car insurance in Austria before driving a car in this country.

Types of Rental Car Insurance in Austria

Understanding the different types of insurance available can help you choose the right coverage for your trip. Let’s start with the most basic, mandatory coverage that comes with every car rental in Austria.

Mandatory Third-Party Liability Insurance- TPL

This insurance is legally required and included in all rental agreements. This compulsory insurance policy covers the following:

  • Injuries or damages to third parties caused by the rental car.
  • Coverage limits that meet Austrian legal requirements.

Additional Rental Car Insurance in Austria

It’s crucial to note that third-party liability insurance does not protect you from costs related to damage or theft of the rental vehicle itself. To protect the vehicle, you’ll need to opt in for additional rental car insurance.

Collision Damage Waiver (CDW)

A CDW reduces your financial responsibility for damages to the rental car. This isn’t theoretically an insurance policy, but rather the rental company agreeing to waive collision damage charges in case of an accident. Here’s what you need to know about CDWs:

  • Most CDWs include a deductible you’ll need to pay out-of-pocket.
  • Consider upgrading to a “Super CDW” to lower or eliminate the deductible.
  • CDW typically excludes damage to tires, glass, and undercarriage unless specified.

Theft Protection (TP)

This rental car coverage limits your liability in case the vehicle is stolen. TP often comes with a deductible, and coverage may not extend to personal belongings left in the car. While this may not be the most popular rental car insurance policy in Austria, it is certainly better to be safe than sorry.

Supplemental Liability Insurance (SLI)

For additional peace of mind, SLI extends the coverage of third-party liability insurance beyond the minimum legal requirements.

Glass and Tire Protection

This optional add-on covers damage to tires, windshields, and windows, which are often excluded from standard CDW coverage. This can also be a part of the Super CDW coverage, depending on the rental company.

Personal Accident Insurance (PAI)

PAI covers medical expenses and provides compensation in the event of injury or accidental death for the driver and passengers.

Should You Decline Additional Rental Car Insurance in Austria?

If you have sufficient coverage through your credit card or travel insurance, you may opt out of the rental company’s insurance. Verify the following:

  • The insurance meets Austrian legal requirements.
  • It includes collision, theft, and third-party liability coverage.

Note that rental companies may still place a high security deposit on your card if you decline their insurance.

Bonus- What To Consider When Renting A Car In Austria

Driving in Neighboring Countries

Austria’s central location makes it an ideal base for exploring neighboring countries like Germany, Switzerland, and Italy. However, if you plan to cross borders, ensure your insurance covers international travel. Some rental companies may charge extra fees for cross-border coverage. Unauthorized cross-border trips can be heavily fined!

Extended Roadside Assistance

Consider adding roadside assistance for peace of mind. It covers services like towing, lost keys, and fuel delivery in case of emergencies.

Winter Tires and Equipment

Driving in Austria during winter requires winter tires, and some roads may mandate snow chains. Check if your rental includes winter equipment, or expect additional charges.

Damage and Claim Procedures on Rental Cars in Austria

Should damage or theft occur, follow these steps to handle the situation effectively:

  1. Document the Incident: Take photos of the damage and note the time and location.
  2. Notify the Rental Company: Inform them immediately to begin the claims process.
  3. File a Police Report: Required for theft or major damages.
  4. Review Your Coverage: Understand your policy to ensure all necessary steps are taken.

Book Rental Cars in Austria with Rentalmoose

For a seamless car rental experience, book with Rentalmoose. With access to trusted rental providers in over 15,000 locations worldwide, you’ll find competitive rates and flexible options. Plus, every booking contributes to reforestation efforts, making your trip eco-friendly.

Austria’s stunning landscapes and well-maintained roads make it a top destination for road trips. By understanding your car rental insurance options and planning ahead, you can enjoy a hassle-free and memorable journey. Safe travels!

large seljalandsfoss waterfall surrounded by green fields and small river seen during sunset in iceland

A Comprehensive Guide To Rental Car Insurance in Iceland

Exploring Iceland by car is an unforgettable experience. The country’s unique landscape, from glaciers and geysers to black sand beaches and volcanic craters, makes it one of the best road trip destinations in the world. To ensure a smooth journey, understanding car rental insurance in Iceland is essential. Here’s everything you need to know to drive confidently and stay protected.

large seljalandsfoss waterfall surrounded by green fields and small river seen during sunset in iceland

Essentials for Renting a Car in Iceland

Before embarking on your adventure, make sure you meet the basic requirements for renting a car in Iceland. These are:

  • Driver’s License: Licenses from EU/EEA countries are valid in Iceland. Non-EU/EEA travelers should carry an International Driving Permit (IDP) in addition to their local license. Note that an IDP must be obtained before leaving your home country. Learn more about IDPs in this blog post.
  • Minimum Age: Most rental companies require drivers to be at least 20 years old, but age restrictions vary by vehicle category. Drivers under 25 may incur a young driver fee.
  • Credit Card: A valid credit card under the renter’s name is necessary for the deposit and payment. A debit card may be accepted but will incur a higher deposit. Clarify with the rental company in advance.
  • Passport or ID: Required for identification at the rental desk. Naturally, the documents must be under the renter and match the name on the credit card.

Mandatory Car Rental Insurance in Iceland

Third-Party Liability Insurance (TPL)

This insurance is required by law and is included in all rental cars in Iceland. It covers:

  • Injuries and damages to third parties or their property.
  • Legal minimum coverage limits required under Icelandic law.

Third-Party Liability Insurance does not cover damages to the rental car. The driver’s personal liability for accidents is not included either. For this reason, it’s worth looking into purchasing additional coverage.

Optional Car Rental Insurance in Iceland for Added Protection

Iceland’s unique driving conditions call for specialized insurance options to cover various risks.

Gravel Protection (GP)

Driving on Iceland’s gravel roads can lead to significant wear and tear. GP is a type of coverage that you won’t find in most other countries. This additional insurance covers damage to:

  • Windshields
  • Headlights
  • Car body from flying stones or debris

GP will certainly be worth keeping in mind, especially if you’re planning to drive on F-roads.

Sand and Ash Protection (SAAP)

This is another type of coverage that’s unique to Iceland and a handful of other destinations in the world. Sandstorms and volcanic ash can cause extensive damage to the car’s paint and windows.

SAAP is a must if you plan to visit areas like the South Coast or around volcanic zones.

Collision Damage Waiver (CDW)

CDW is a standard inclusion in most rental agreements in Iceland, though not required by law. It limits your financial responsibility for damages to the rental vehicle. CDW usually comes with a deductible (excess). For standard CDW, the deductible can be high and range between €1500 and €3500.

The Super CDW is usually available for an additional cost. This extra policy will lower or eliminate the deductible.

Theft Protection (TP)

Although car theft is rare in Iceland, TP protects you financially if the vehicle is stolen. It typically includes a deductible, similar to CDW.

Tire and Undercarriage Insurance

Iceland’s roads can be harsh on tires and the undercarriage. This add-on covers damage often excluded by standard CDW. Note that it may already be a part of your Super CDW coverage, depending on the rental company.

Personal Accident Insurance (PAI)

PAI covers medical expenses for the driver and passengers in case of injury. Many travelers already have this through their health or travel insurance policies, so be sure to check first for overlaps.

Zero Liability Insurance

This comprehensive package combines CDW, GP, TP, SAAP, and windshield protection, ensuring no financial liability for nearly all damages.

Consider this if you want complete peace of mind.

Road Assistance Insurance

Road Assistance Insurance provides 24/7 roadside support for flat tires, breakdowns, or running out of fuel.

This add-on is particularly helpful given Iceland’s remote roads and unpredictable conditions.

Handling Damage Claims and Accidents

In the event of an incident, follow these steps to manage the situation effectively:

  1. Document the Scene: Take photos of the damage, road conditions, and surroundings.
  2. Contact the Rental Company: Inform them immediately to report the incident.
  3. File a Police Report: Required for serious damages or theft only.
  4. Review Your Coverage: Check the details of your policy to understand your obligations.

Declining Rental Car Insurance: A Risky Choice

If you have comprehensive travel or credit card insurance, you may consider declining rental company coverage. Before doing so, confirm:

  • Your insurance meets Iceland’s legal requirements.
  • It includes collision, theft, and third-party liability coverage.

Keep in mind that declining coverage often results in a high security deposit and leaves you financially responsible for uncovered incidents.

Driving under the influence or without proper license will void any insurance, so always adhere to local laws.

Bonus- Unique Challenges of Driving in Iceland

Driving in Iceland presents distinct challenges that make insurance even more important. Here are some considerations:

Harsh Weather Conditions

Weather in Iceland can change rapidly, with strong winds, heavy rain, or snow. Ensure you’re adequately insured for weather-related incidents.

F-Roads (Mountain Roads)

These highland roads are only accessible with 4×4 vehicles and are known for their rough terrain. Some rental agreements prohibit driving on F-Roads without prior approval.

Check your coverage if you plan to explore these areas.

River Crossings

Crossing rivers is common on some routes. However, most insurance policies do not cover water damage, so proceed with caution.

Driving Off-Road

Driving off designated roads, including unmarked trails, is prohibited and not covered by insurance.

Stick to official routes to avoid invalidating your coverage.

Book with Rentalmoose in Iceland

Book your rental car with Rentalmoose! We have access to trusted suppliers across Iceland, as well as over 15,000 locations globally. Rentalmoose commits to sustainability—we plant a tree for every booking made.

Safe travels on the Icelandic roads!

Car Rental Insurance in Germany- What You Need to Know

Exploring Germany by car offers unmatched flexibility and the opportunity to experience its diverse culture. Don’t forget the famous Autobahn! To ensure a stress-free trip, understanding car rental insurance options is essential. This guide provides a detailed overview of what you need to know about rental car insurance in Germany, including new updates for a more comprehensive view.

Renting a Car in Germany: Essential Requirements

Renting a car in Germany is straightforward. You’ll need the following:

  • Valid Driver’s License: For EU citizens, a standard license suffices. Non-EU and non-EEA drivers may need an International Driving Permit (IDP). Be sure to apply for one before leaving your home country.
  • Identification: A valid passport or ID card is required.
  • Credit or Debit Card: Most companies prefer a credit card for deposits and payment, though some may accept debit cards for standard vehicles. Note that paying with a debit card will incur a higher deposit. The card needs to be under the name of the renter!

Additional Rental Car Fees to Consider

When planning your rental budget, account for potential extra charges. These can include:

  • Young driver fees
  • Premium location surcharges (e.g., airport pick-ups)
  • Late return fees
  • Vehicle cleaning charges

And many more. Check out our blog post which covers over 20 common car rental fees and how to avoid them.

Security Deposits

Car rental companies in Germany typically require a deposit, held on your credit card until the vehicle is returned. Using a debit card may increase the deposit amount, so it’s best to confirm this in advance.

After ensuring all of the above requirements are met, let’s dive into the insurance policies for rental cars in Germany!

Types of Car Rental Insurance in Germany

Mandatory Coverage- Third-Party Liability Insurance

Third-party liability insurance is included in all rental agreements in Germany, as mandated by law. It covers damages or injuries to others but does not protect the rental vehicle itself. To get your vehicle covered, you’ll need to opt in for additional policies.

To enhance your coverage, consider optional coverage- these are some other types of rental car insurance in Germany.

Supplemental Liability Insurance (SLI)

SLI extends the coverage of third-party liability insurance, providing higher limits for injury or property damage claims involving third parties.

For greater peace of mind, it is advisable to opt for this additional protection.

Collision Damage Waiver (CDW)

A CDW limits your financial responsibility for damage to the rental car. Without it, you could be liable for the car’s full value. Many rental companies offer CDW with varying deductibles.

Many rental companies in Germany offer ways to reduce or eliminate excess amounts (deductibles) tied to CDW or other protections. These options may include purchasing higher-tier insurance packages or waivers.

Reducing excess can provide peace of mind, especially for travelers who want to avoid large out-of-pocket expenses in case of damage or theft.

Theft Protection (TP)

TP coverage minimizes financial liability in case of car theft.

This is particularly beneficial if you plan to park on city streets or in unfamiliar areas.

Glass and Tire Damage Coverage

Standard insurance often excludes damage to glass and tires. Many rental providers offer separate waivers or upgraded packages to include this coverage.

Be sure to verify if these components are included in your plan.

Personal Accident Insurance (PAI)

PAI covers medical expenses and accidental death benefits for the driver and passengers. Some travel insurance plans already include this coverage, so confirm before purchasing additional PAI.

Extended Roadside Protection

Most providers offer extended roadside protection for emergencies like losing keys, running out of fuel, or breakdowns. This optional add-on can be invaluable for avoiding unexpected hassles.

Bringing Your Own Rental Car Insurance

If you already have suitable insurance through your credit card or personal policy, you may decline additional coverage.

Ensure your policy meets German requirements, including liability and collision coverage.

Bonus Tip- Cross-Border Driving Insurance

Planning to drive outside Germany? Confirm your insurance covers cross-border travel, as some providers restrict coverage or require additional fees for international trips. While the Schengen area makes traveling between EU members seamless, be sure your rental car can legally make the trip too!

Unauthorized cross-border trips will void all insurance, and the rental company may even consider the car stolen!

Handling Rental Car Damage or Theft Claims

In case of an incident, follow these steps:

  1. Document Everything: Take photos of the damage immediately and keep copies of all receipts and correspondence.
  2. Notify the Rental Company: Report the issue as soon as possible.
  3. Understand Your Coverage: Check your rental agreement and any purchased waivers for specific terms.

If disputes arise over claims, consult consumer protection resources for guidance.

Use Rentalmoose To Rent A Car In Germany

With access to trusted providers in Germany and over 15,000 locations worldwide, Rentalmoose ensures competitive rates and reliable service. Plus, every booking supports reforestation efforts, helping make your travels eco-friendly.
With the right car rental insurance, your German road trip can be an unforgettable adventure. Drive with confidence and explore everything this incredible country has to offer!

Rental Car Insurance in Italy- The Ultimate Guide

Embarking on a road trip through Italy is one of the best ways to soak in the country’s natural beauty, historic landmarks, and picturesque villages. Before you book a rental car, it’s essential to understand the ins and outs of rental car insurance in Italy. Proper coverage ensures a stress-free journey!

panoramic view of the heart of florence large basilica and hills in background during sunset

Getting Started: Renting a Car in Italy

Renting a car in Italy is straightforward. There are a few documents and conditions you’ll need to meet.

Documents Needed to Rent A Car in Italy

  • Valid Driver’s License: If you’re from the EU, your national license is sufficient. Non-EU and non-EEA travelers should also carry an International Driving Permit (IDP). An IDP must be obtained in your home country before traveling. The 1949 Geneva and 1968 Vienna Conventions are both valid.
  • Valid ID or Passport: A government-issued ID or passport in the name of the renter will be required for verification.
  • A Credit or Debit Card: Most rental agencies request a credit card for the security deposit. Some companies accept debit cards for standard rentals, but this could lead to higher deposits or stricter conditions. Note that the name on the card must match the renter!

Confirm specific requirements with your rental company, as policies may vary by provider.

Look Out For Additional Fees

When booking a rental car, the advertised price isn’t always the full picture. Keep an eye out for potential extra charges that could increase your overall costs:

  • Young Driver Fees: Drivers under 25 often face additional charges.
  • Location Surcharges: Picking up your car at an airport, train station, or other premium location may incur extra fees.
  • Late Return Penalties: Dropping the car off after the agreed time can result in hefty charges.
  • Cleaning Fees: Ensure the vehicle is returned in good condition to avoid unnecessary fees.

Review the rental terms carefully to budget accurately and avoid surprises. Check out our blog post on over 20 common car rental fees and how to avoid them.

Once you have your rental car booked, let’s dive into the insurance policies!

Rental Car Insurance in Italy- Mandatory Coverage

In Italy, car rental agreements come with basic Third-Party Liability Insurance (TPL), which is legally required. This coverage protects you in case of injury or property damage caused to others while driving. However, it doesn’t cover damage to the rental car itself or theft.

While TPL is included, many travelers opt for additional coverage for greater peace of mind.

Third-Party Liability Insurance- What Does It Include?

Third-Party Liability Insurance typically includes:

  • Compensation for physical injuries to others involved in an accident.
  • Reimbursement for damage to other people’s property.

It’s important to note that TPL does not extend to repairs or replacements for the rental car.

For this, you’ll need additional coverage options.

Optional Car Rental Insurance in Italy

To minimize financial risks during your trip, consider adding these optional insurance products:

Collision Damage Waiver (CDW)

A CDW reduces or limits your liability for damage to the rental car, though an excess (deductible) amount may still apply. Many credit card providers offer CDW coverage as a perk, so check your card’s terms before paying for it at the rental counter.

Theft Protection (TP)

With TP coverage, you’ll be shielded from financial losses if the vehicle is stolen. This is especially useful if you plan to park in busy city centers like Rome, Naples, or Milan, where car theft can be a concern.

Personal Accident Insurance (PAI)

PAI provides coverage for medical expenses and accidental death for the driver and passengers. Before purchasing, verify whether your travel insurance already includes this benefit to avoid overlapping coverage.

Should You Decline Additional Rental Car Coverage?

While opting out of additional insurance might save you money upfront, it can expose you to significant risks. Here’s why:

  • High Repair Costs: If the car is damaged, you may be liable for costly repairs, even for minor accidents.
  • Theft Replacement Costs: Without Theft Protection, replacing a stolen vehicle could cost thousands of euros.

If you’re confident your credit card or travel insurance covers these risks, declining optional coverage might be reasonable. Otherwise, it’s wise to invest in extra protection.

It’s worth noting that a third-party insurance agency may offer better rates than the rental company, be sure to check around!

Damage Claims for Rental Cars in Italy

If your rental car sustains damage during your trip, follow these steps to resolve the issue efficiently:

  1. Document the Damage: Take clear photos of any scratches, dents, or other damages immediately after the incident.
  2. Contact the Rental Company: Notify the provider as soon as possible and follow their instructions.
  3. Review Your Insurance: Check the details of your coverage to determine what costs are covered.

Why Choose Rentalmoose in Italy?

For a seamless car rental experience, book with Rentalmoose. With access to trusted rental providers in over 15,000 locations worldwide, you’ll find competitive rates and flexible options. Plus, every booking contributes to reforestation efforts, making your trip eco-friendly.

With the right insurance and preparation, renting a car in Italy can transform your vacation into an unforgettable adventure. Drive confidently and explore everything this magnificent country has to offer!

Car Rental Insurance In Spain- What You Need To Know

Here’s everything you need to know about car rental insurance in Spain.

Renting a car in Spain offers unparalleled freedom to explore its stunning landscapes, vibrant cities, and charming villages at your own pace. Before you hit the road, it’s crucial to understand the types of car rental insurance available.

Renting A Car In Spain- The Basics

The process of renting a car in Spain is similar to that in most EU countries. To rent a car, you’ll typically need the following:

  • A valid driver’s license
  • An International Driving Permit (IDP) – only required if your license is issued outside the EU or is not in Spanish. Check out our guide on IDPs here.
  • A valid passport or ID card
  • A credit or debit card – Most rental companies require a credit card under the renter’s name, especially for premium vehicles. Some companies, such as Enterprise, may allow debit cards for standard rentals; check the policy in advance. Renting with a debit card will likely impact the deposit!

Be Mindful of Additional Fees

Car rental costs can quickly add up due to hidden charges, such as:

  • Young driver fees
  • Premium location surcharges (e.g., airport pick-ups)
  • Late drop-off fees
  • Cleaning fees

Plan your budget carefully by reviewing the rental company’s terms for extra charges.

Car Rental Deposits in Spain

Most rental companies in Spain require a security deposit, usually charged to the credit card provided during booking. While some providers may accept debit cards, this is less common.

Remember that renting with a debit card will impact the deposit- it will be higher and charged before the rental period starts. Make sure you budget this when planning your trip.

Ensure you understand the terms to avoid surprises.

Mandatory Car Rental Insurance in Spain

In Spain, car rental contracts include Third-Party Liability Insurance (also known as Personal Liability Insurance) as a legal requirement. This basic insurance covers damages or injury to others but does not protect the rental vehicle itself.

While mandatory, it’s often insufficient, and additional coverage is highly recommended for peace of mind.

What’s Covered by Liability Insurance?

  • Injury and material damage to third parties.
  • Unlimited coverage for personal injury under Spanish law.

However, liability insurance does not cover damages to the rental car, leaving you financially responsible in case of accidents or theft. Consider adding additional coverage for peace of mind.

Additional Car Rental Insurance in Spain

For comprehensive protection, consider the following optional coverages:

Collision Damage Waiver (CDW)


CDW reduces or eliminates your financial liability for damage to the rental car. Some credit cards offer CDW coverage, but terms vary. Check with your provider and use the same credit card to pay for the rental.

Theft Protection (TP)


This coverage shields you from financial liability if the car is stolen. Given the risks in urban areas, it is highly advisable for on-street parking.

Personal Accident Insurance (PAI)


PAI covers medical expenses for the driver and passengers. Many travel insurance policies already include PAI, so verify your existing coverage before purchasing.

Declining Additional Insurance: Is It Worth the Risk?

While declining extra insurance may seem cost-effective, it exposes you to potential risks.

Repair Costs

If you damage the car, you’ll be responsible for repairs, which can reach thousands of euros.

Theft Costs

Without Theft Protection, replacing a stolen vehicle could be financially overwhelming.

If you’re confident in your travel or credit card insurance coverage, declining extra insurance might make sense. Otherwise, investing in additional protection is prudent.

Damage Claims for Rental Cars in Spain

Should your rental car be damaged, follow these steps to handle the situation smoothly:

  1. Document Everything: Take photos of the damage immediately. When booking with Rentalmoose, we’ll remind you to document the car’s condition during pick-up and drop-off.
  2. Contact the Rental Company: Report the damage as soon as possible.
  3. Review Your Coverage: Ensure you understand the terms of your insurance or waivers.

For unfair damage claims, consult guides on how to dispute rental car charges.

Bonus: Why Book with Rentalmoose in Spain?

Looking for a reliable car rental provider in Spain? Rentalmoose offers access to trusted suppliers in over 15,000 locations worldwide. Plus, for every booking made, Rentalmoose plants a tree, contributing to environmental sustainability.

Renting a car in Spain provides the ultimate flexibility to explore this diverse and vibrant country. By understanding car rental insurance options, you can enjoy your trip with complete peace of mind.

Car Rental Insurance In France- A Complete Guide

Renting a car in France can be a great way to see the country at your own pace. However, it is crucial to understand the different types of car rental insurance available before you hit the road.

Check out our insightful guide to car rental insurance in France before setting off on your adventure!

Looking for a specific section? Use the menu below to navigate around this rental car insurance guide quickly:

Without further ado, let’s jump into the guide!

the skyline of Paris seen on a sunny day. Our insightful guide will help you navigate around rental car insurance in France.

How To Rent A Car In France

The process of renting a car in France is very similar to other EU member states. In short, you will need the following to rent a car in France:

  • Valid driver’s license
  • International Driving Permit- only if your license was issued outside of the EU, or if it is not in French
  • Valid passport/ID card
  • Credit or Debit Card (depending on the rental company and car class)- must be under the renter’s name

Some rental companies, like Enterprise, will require a credit card for those renting premium vehicles. If you’re traveling with a debit card, double-check the rental company’s policy before setting off.

A premium location surcharge, a young driver fee, or a late drop-off fee- these are just some fees that can quickly add up to your rental bill. Be mindful of the additional fees before booking your rental car to budget accordingly.

Most rental car companies in France require a security deposit before handing over the keys. This deposit is typically charged to the credit card used when booking your rental car. While some local companies may accept a debit card for the deposit, this is less common.

Rentalmoose insider tip: Booking your rental car in the local currency can often lead to lower costs due to better exchange rates.

Mandatory Car Rental Insurance in France

First of all, it’s crucial to distinguish the three types of car rental insurance- liability, collision damage waivers (CDW), and theft protection (TP). Personal liability insurance

Personal Liability Insurance, also known as Third-Party Insurance, is a mandatory component of car rental contracts in France. It’s automatically included in all rental agreements.

While liability insurance is the mandatory type of coverage, it often proves insufficient. It’s strongly advised to invest in additional protection. Especially because personal liability insurance does not cover damages done to the car in any way.

You can find comprehensive information about rental car insurance in various countries in this guide.

Personal Liability Insurance- Why It May Not Be Enough

As the name suggests, Third-Party Liability Insurance covers personal injury claims and material damage done only to the other driver. This means it doesn’t protect the rental car in any way.

If you’re involved in an accident and only have basic coverage, you’ll be responsible for paying out-of-pocket for any damages to the rental car. This can quickly add up to thousands of euros. On the plus side, French law requires that the personal liability insurance is unlimited.

We hope you’ll never need it, but just in case, let’s be prepared. It’s like wearing a seatbelt: you hope you’ll never need it, but you’re glad you have it when you do.

Additional Rental Car Coverage in France Explained

Before you dive into car rental deals, take a closer look at the fine print to avoid hidden costs. Make sure you understand exactly what coverage you’re getting to prevent any surprises later.

These are the different types of car rental insurance and coverage you can get in France. Check below for details.

  • Third Party Liability Insurance in France and Fire Insurance(LI)
  • Collision Damage Waiver (CDW/LDW)
  • Personal Accident Insurance (PAI)
  • Theft Protection (TP)

Third Party Liability Insurance+Fire Insurance in France (basic coverage)

As mentioned above, providing this type of basic coverage is a legal requirement for every rental company.

While liability insurance is mandatory, it’s highly recommended to purchase additional coverage like CDW and TP to protect yourself financially in case of accidents or theft.

Collision Damage Waiver (CDW/LDW)

A Collision Damage Waiver (CDW) is not technically insurance. It’s a contract where the rental company agrees to waive a portion or all of the costs associated with damage to the rental vehicle.

Your credit card might offer CDW coverage. Check with your credit card provider to see if their insurance extends to France. If not, consider purchasing CDW from the rental company.

Remember, you must use your credit card to pay for the rental for your credit card’s CDW to apply. Also, most credit card companies require you to decline any additional insurance offered by the rental company for their CDW to be effective.

There may be exclusions for certain rental car types, especially luxury vehicles, so read through the policy carefully!

Personal Accident Insurance (PAI)

This is the type of coverage that will protect the occupants in the rental car. Make sure you add PAI to your rental car quote for additional peace of mind.

Most holiday insurance policies include PAI by default. In that case, there is no need to get it once again from the rental company.

Theft Protection (TP)

Theft Protection is a crucial add-on for car rentals in France. While it’s not required by law, it provides invaluable peace of mind.

If your rental car is stolen, this coverage ensures you won’t be held financially responsible for its replacement cost. Given the potential high value of rental cars and the risk of theft in urban areas, purchasing Theft Protection is a wise investment.

It protects you from significant financial loss and allows you to continue your trip without undue stress.

Remember, while most travel insurance policies include some level of theft coverage, it’s essential to check the specific terms and conditions to determine if it covers rental cars.

What If You Decline Additional Car Insurance in France

While it’s tempting to save money by declining additional car rental insurance in France, it’s important to consider the potential risks.

If you’re involved in an accident or the car is stolen, you could be liable for significant repair or replacement costs.

While the basic liability insurance included in your rental fee covers damage or injury to others, it doesn’t protect you or the rental car itself. By opting out of additional insurance, you’re essentially taking on the financial risk.

If you’re comfortable with this risk, you can save money. However, if you’re unsure or want added protection, considering purchasing collision damage waiver (CDW) and theft protection (TP) is advisable.

Damaged Rental Car In France

Fighting rental car damage claims can be tricky, no matter which country you’re in. This should not discourage you from renting a car in France. Nonetheless, every renter should be aware of the local procedures.

Bonus- France Rental Car

Unsure where to book your rental car in France? Be sure to check out Rentalmoose. We’re a global car rental broker that serves over 15 000 locations worldwide.

We only offer rental cars from trusted and verified suppliers.

No matter where you go, a rental car gives you the flexibility to change your plans on the fly

We plant a tree for every booking made with our platform!

Everything You Need To Know About Rental Car Insurance

Picking the right insurance for your rental car can be stressful, especially if you haven’t rented a car in the past. While discovering your destination by rental car is extremely convenient, your experience may get unnecessarily confusing when it comes to selecting insurance. 

You’ll be happy to hear that rental car insurance is quite straightforward, as long as you know the types of coverage and their limitations. Below, you will find your ultimate know-how guide to rental car insurance. This blog post will cover:

  • CDW
  • TP & LDW
  • TPL
  • Rental car insurance in EU VS US & Canada
  • Additional types of insurance
  • Third-party insurance
  • Which type of insurance should you get?
  • Breach of the rental agreement
  • Roadside assistance

However, the car rental company may attempt to sell you their premium insurance at the rental desk right before you pick up the car. Keep in mind that you will be charged a fee that’s higher than standard if you decide to add insurance from the supplier at the very last minute.

If you’re on the go, check out this helpful infographic. Feel free to save it on your phone for future reference!

Rental Car Insurance guide infographic- helpful infographic that explains insurance on rental cars. Learn about Collision Damage Waivers, Third Party Liability and more.

Standard types of insurance

First of all, it’s important to note that the insurance on your rental car is a bit different than the one you have for your private vehicle. Rental cars practically anywhere across the world will come with these types of coverage as standard. 

Rental Moose mascot sticking his head out of luxurious mercedes benz rental car in tallinn. Learn about rental car insurance when you rent a car with Rentalmoose, in our informative blog post.

CDW- Collision Damage Waiver

The car’s basic insurance against damage is referred to as the Collision Damage Waiver or CDW in short. Keep in mind that the Collision Damage Waiver only covers some parts of the vehicle. Typically, the CDW coverage does not include elements such as the roof, windshield, tires, or anything within the interior. 

In case of any damage to the rental car, the renter is liable to pay a part of the repair costs. The highest possible amount to be paid is referred to as the excess or deductible.

The excess can range anywhere between $0 to thousands of dollars. Rental car companies offer excess reduction, but more on that in a moment.

Rentalmoose insider tip: More often than not, rental car deals that appear very inexpensive at first sight can come with a ridiculously high excess. Make sure you double-check before finalizing the booking.

Be sure to check the rental company’s T&Cs to make sure what is covered by the CDW before picking up the rental car.

While the CDW usually comes as standard for rental cars in Europe, Asia, and Australia, it is not as common in North America. Take a look below for more details.

You are responsible for your rental car during the rental period, so make sure you know what type of coverage is included in the offer.

Theft Protection or Loss Damage Waiver

Protection against theft of the rental car is generally included in the price of your rental, too. Similarly to the CDW mentioned above, basic Theft Protection comes with an excess.

The amount of the excess varies depending on the car type, region, and the rental company itself. You can expect it to be at least $500 without any additional protection packages.

Keep in mind that the theft protection will only cover the rental car and not any personal belongings left inside.

Sometimes, the Theft Protection and Collision Damage Waiver are classified as one type of protection by the rental company. In that case, it is called the Loss Damage Waiver.

Third-Party Liability

The third type of protection that typically comes as standard with a rental car is Third-Party Liability or TPL in short. If you end up in an accident in which you will hurt anyone or make any damages to property, the TPL will cover it.

Keep in mind that there is a maximum payout limit of the Third-Party Liability, get in touch with your rental company for more details.

TPL does not cover the rental car itself at all.

Luxurious Mercedes-Benz E Class with custom Moose license plate, in autumn scenery. The car is in a forest near a Manor in Estonia.

Note- rental car insurance in the US and Canada

As mentioned above, the CDW and Theft Protection do not come as standard with every rental car in the US and Canada. If you’re a resident of the United States or Canada, rental car insurance may be included in your credit card plan.

If you’re unsure, it’s best to check directly with your credit card company. Note that the same card must be used to book the rental car.

For the same reason, European drivers visiting North America should keep this in mind when booking their rental cars. Make sure not to choose a basic protection plan in the US, unless you are covered by a third-party company.

Although the basic protection plan in the US and Canada may not include CDW or TP, all rental cars will still be equipped with Third-Party Liability protection. However, Rentalmoose strongly recommends adding more cover just in case.

Additional types of insurance

As a renter, you can opt for additional insurance on top of the basic coverage provided by the car rental company. Note that although extra insurance is not mandatory, it can come in handy in the event of any unpleasant surprises. 

Accidents can happen even to the best drivers on the planet. Rentalmoose recommends adding additional protection when renting a car. It may slightly raise the cost of your trip, but it can save you lots of your hard-earned money in case of damage.

There are three ways you can purchase optional insurance or coverage for your rental car:

Let’s go through them more thoroughly.

Online when booking your rental car

When you book your rental car via Rentalmoose.com, you will find what type of coverage is included in your booking details.

Extra coverage by the rental car company can reduce your excess or add protection to parts of the vehicle that aren’t covered by the basic insurance, such as the windshield or even your personal insurance. The tariffs vary depending on the company and rental location.

Please note that adding optional coverage during the online booking process will be cheaper than purchasing it at pick-up.

At the rental desk when you pick the rental car up

During the pick-up of your rental car, the staff will offer you additional protection if you haven’t purchased it online. The protection plans will be similar to the ones offered when booking your car, such as reducing the excess or theft protection of your personal belongings. 

Keep in mind that the rates can be higher than when purchasing the same plans online.

Through a third-party company

You can decline the coverage offered by the rental company in favor of external insurance purchased from a third-party company. In general, the companies that offer standalone rental car insurance vary depending on the country you’re renting the car in.

Some of the companies worth checking out include:

And many more! Remember the double-check the company’s legitimacy before purchasing any additional protection.

Note: Third-party rental car insurance packages will require the renter to cover the repair cost to the rental company. Then, the insurance company will refund the renter. You will still need to pay upfront for the damages and then claim your money back via the insurance company.

Which type of insurance should you get?

There isn’t a single definite answer regarding which rental car coverage is best. 

Breach of the rental agreement

Make sure to drive safely when renting a car anywhere in the world. If the supplier spots a serious breach of the rental agreement (i.e. driving under the influence, driving to another country not permitted in the agreement, etc) any and all protection will become invalid.

In that case, you will be responsible for covering 100% of the damages.

Extra tip: Roadside assistance

The last thing you want during your holiday is to be left in the middle of nowhere with a rental car that’s broken down.

Although the technical condition of the car can be perfect at pick-up, a breakdown could happen during the rental period. Similarly to collisions, car breakdowns are often impossible to predict.

Before you set off on your journey, double-check whether or not breakdown assistance is included in your car rental offer. Some companies, such as Hertz, provide 24-hour roadside assistance if your car breaks down anytime during the rental period.

Rentalmoose OÜ 2020