Whether or not to take out rental insurance, when you are renting a car, has been a major decision among all renters. It is important, when you rent a car, that you understand these companies want to sell you insurance because it is a way for them to make more money. On top of that, rental companies encourage you to take out their insurance because it protects their car, and that is all that matters to them.
Here are some of the most asked questions about rental insurance, and the answer are most likely going to surprise many of you.
AM I COVERED UNDER MY OWN CAR INSURANCE, EVEN IF DRIVING A RENTAL CAR? This is a big YES! Almost all car insurance companies will cover you, even when you are driving a rental car. I would, however, suggest that you contact your insurance company prior to getting your rental just to be 100% sure.
IF I USE A CREDIT CARD FOR MY CAR RENTAL, WONT THAT COVER ME FOR ANY DAMAGES? Again the answer to this is most likely. Most major credit cards like Visa, American Express, and Master Card do offer you additional insurance protection when you charge your vehicle rental to your credit card. Again this is something that you can easily check into by calling the company in advance.
IF I AM COVERED BY MY CREDIT CARD AND MY CAR INSURANCE DO I NEED TO PURCHASE THE CAR RENTAL INSURANCE JUST IN CASE? Absolutely not. Many companies will tell you that your insurance wont cover everything or that you are leaving yourself open to liability if you don’t take their coverage, however most car rental coverage doesn’t even cover you as well as your own. Many times the companies and their representatives will lead you to believe that this coverage is necessary, but in reality it will provide you with no benefit at all if you are already covered, and therefore this will just be unnecessary money that you will be handing over to the car rental agent.
It is important to determine whether or not you need to purchase this coverage before you show up to rent your next vehicle. Understanding that you are covered in other ways will make you feel more secure when refusing the rental agencies insurance coverage.
If you are searching for brisbane car rentals the best place to rent from is www.budget.com.au. While there you will also be able to look into cheap car hire Coolangatta.
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