Are you going on vacation and going to rent a car? In this case, is the usual car insurance sufficient? Is it better to take an extra option or should you bet on your bank card?
Is insurance included in the car rental?
The car must be To be insured by the lessor Because car insurance is mandatory in France. On your part, you should be Minimum coverage to third place To compensate for material and bodily harm caused to others. This is called Civil responsibility. This is usually included in the lease agreement.
Then, to avoid paying a (very) high price in the event of material or physical damage, We give you options: Breakdown assistance in the event of a breakdown, a driver’s warranty that protects the person driving the vehicle in the event of a road accident even when his or her liability is involved or a deductible refund if a large sum is paid after coverage.
For a city car, it takes between 15 and 30 euros per rental day for optimal coverage, according to the specialist website Serenitrip. without surprise The higher the range of the car, the higher the price.
Do I have to get rental company insurance?
no. You can also Ask the usual insurance company If you drive a vehicle all year round. This can make you an offer based on your driver profile. But insurance companies such as Serenitrip offer short car insurance contracts from 5 euros per day, guaranteed without unpleasant surprises in the event of a claim.
Does my bank card cover when I rent a car?
Often times, high-end cards are seen as the holy grail of holiday time. It’s common knowledge that Visa Premier, Mastercard Gold or American Express cover loss of baggage when traveling by plane, but is it useful in the case of car rental? These cards offer to buy back the surplus which is very useful because the amounts can be increased depending on the rented vehicle and the renter’s profile (3 years license or 25 years minimum required) but also in case of damage or theft.
Find out above all to avoid subscribing twice for the same guarantee.
How do you find it abroad?
Abroad, when you rent your car, you will also be presented with options. These are technically identical to those in France but are worded in English to make them easier to understand abroad. The most common are:
- CDW option The collision damage waiver allows the endurance level to be reduced, equivalent to a rebate for the discount
- PT . option To protect against theft limits the liability of the driver in the event of theft or damage to the vehicle;
- In-app purchase option Personal accident insurance protects people in the car from bodily injury.
In this regard, the European Consumer Center calls on customers to be careful when renting a car, especially through an intermediary. In fact, 55% of those screened by the European Commission lack transparency on the terms of the rental, the total price to be paid, the damages covered by insurance, the extra costs (miles, young driver, etc.) or again on whom, the lessor or broker , which is contacted if a problem occurs.
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What are the most common exceptions?
The websites of insurance companies and the websites of rental companies are mainly quoted from Keys stolen or lostread the prompts Driving under the influence of alcohol, taking medications, drugs and damages that occur when the vehicle was actually supposed to have been returned; False papers, false personal information, or attempted suicide are the usual exceptions to optimal coverage.
What is a car rental insurance contract between individuals?
passing by Peer-to-peer car rental platformwill show you, Third party basic insurance policyAs with a professional rental company. Warranties are also offered as an option.
For private individual rentals without going through an intermediaryThe lessor must contact his insurance company. The taken car contract must be allowed Using the car for commercial purposes Driving by a person outside the family.
The tenant on his part must provide an insurance certificate to insure the landlord in order to ensure coverage in the event of damage.
Car insurance: change of contract