Insurance Options When Renting a Car: Which One to Choose?
Renting a car is a great way to travel freely and comfortably, but choosing the right insurance can be a complex task. It’s important to know the different insurance options available to avoid surprises and ensure you’re protected against any inconveniences. Below, we explain the main types of coverage and which one might be the best choice for your trip.
Basic Insurance: Minimum Protection Required
Most car rental agencies include basic insurance in the rental price. This insurance usually covers mandatory legal liability, meaning it covers third-party damage in the event of an accident. However, this type of insurance doesn’t protect against damage to the rental vehicle or theft, so you could end up with high costs in the event of a mishap.
If you’re travelling on a tight budget and feel confident driving, basic insurance may be sufficient. However, it’s a good idea to check the terms and conditions as some companies have high deductibles that you could end up paying if your vehicle is damaged.
Comprehensive Insurance: Peace of Mind
Comprehensive insurance offers much more comprehensive coverage, including rental car damage, theft, vandalism, and, in some cases, roadside assistance. This type of insurance eliminates or significantly reduces deductibles, meaning you won’t have to pay a large sum in the event of an accident.
If you’re planning a long trip or driving in unfamiliar areas, comprehensive insurance can be a smart investment.
Additional Insurance: Helpful Add-ons
In addition to standard coverage, many companies offer additional coverage to meet specific needs. Here are some popular options:
Tyre and glass insurance: Covers damage to glass, headlights and wheels, which are not usually included in standard insurance.
Roadside assistance insurance: Ideal if you plan to travel long distances, as it provides assistance in the event of a breakdown or accident.
Driver and passenger insurance: Provides medical coverage in the event of injuries following an accident.