Taking The Time To Look AroundComparing
You may think there’s not much point shopping around for hire car insurance cover when you can get everything you need from the car hire companies.
You may be right – but only if you don’t mind the fact that you may be paying out more than you perhaps have to.
The basics
There are typically two main elements of car hire insurance protection.
One part of the insurance includes insurance that may come when you rent the car. This as a rule includes:
l third party cover to protect you from claims from others that they have been injured or their property damaged by your use of the hire car;
l collision damage waiver which generally covers damage to the car itself or its theft.
In some parts of the world this may be a requirement.
The extras
Then there are the optional extras to fill the gaps left by the basic insurance protection This may give insurance for such as:
l insurance protection for the excess which is the amount of any claim that you could be responsible for paying
l top-up to include the parts of the car typically excluded from collision damage waiver cover (windscreen, glass, tyres and under-body etc).
It’s typically with these extra areas of cover, that it cover be worthwhile shopping around for..
The options
There are a number of online providers of hire car insurance whose products may be a cheaper alternative to the optional or top-up insurance offered be the car hire companies.
It’s not just a question of opting for a cheaper solution, which offers less in the way of protection either.
If you have a look at the products offered, you may find that they typically provide a wider level of cover and a number of other attractive features as well.
Examples of this are:
l no extra fees or charges for additional named drivers;
l the option for an annual policy that you can use again and again within a 12 month period;
l insurance protection for typically excluded parts at no additional cost.
As with anything in this world you may be able to save money if you look around. Hire car protection is no different, so why not give yourself some choice? Also, when shopping around, do note that your cover will be subject to policy limitations, exclusions within the terms and conditions.
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