Rental car insurance can often seem more complex than that of a standard vehicles policy. Sometimes it seems unclear exactly what is covered and what a clients liabilities actually are. Here we will try and help to explain exactly what rental car liability insurance is and what options are available for various levels of cover.

Whether insurance is covered on behalf of the vehicle rental company or through a specialist third party insurer, the cover is determined by the liability from which factors are associated with the rental such as duration, level of cover and risk. The level of cover can be determined from the following:

• CDW – collision damage waiver, may or may not be limited to certain vehicle parts such as windscreen, tyres, wheels and even the car roof. If collision damage waivers are declined by the driver, all damages that occur to the vehicle are their responsibility;
• ‘Loss of use’, referring to the money that is lost through a vehicles rent because of damages. Many rental insurance does not cover this eventuality;
• A supplement to liability insurance. This acts as secondary coverage to any personal policy that is held;
• Personal accident insurance;
• Primary liability car insurance – where clients may not already have a vehicle policy or do not want to use them as part of a rental agreement; Personal belongings protection – protection against personal belongings that may be damaged, lost or stolen while in a rental vehicle.

Of course when renting a vehicle, basic insurance is a necessity of law. The level at which cover is issued is the decision of the client and cover premiums will vary depending on various factors such as:

• The age and sex of the insured;
• The value of the vehicle;
• The duration of cover required;
• The level of cover requested;
• Whether a policy is taken out by the rental company itself or through a third party specialist or broker;

It is very important to understand what is expected of the client financially in the event of an accident or damage that is made to the vehicle. Generally speaking a policy taken out by a third party insurer will be at a higher level than that of a rental company. Also the premiums would likely be lower too from a third party specialist or broker.
Ideally car rental insurance should include liability, collision and comprehensive cover. This way the majority of outcomes are covered in the event of an accident and not only is the vehicle covered to a high level, but also the liability of another person being injured.

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