Carhire in US - Need Car Hire Excess Insurance? 6 August 2010 at 5:27PM edited 6 August 2010 at 5:33PM in Flights, currency & car hire

humfer

Hello - off to the US later this month and hiring a car for most of the time as travelling from Yosemite to Yellowstone. Have hired quite a few cars before in NZ, South Africa and Canada last year but continue to get confused to whether I need to purchase exces cover. I did this with insurance4carhire.com in NZ but seem to remember not needing it last year in Canada. How about the US

I have booked it through Hertz and my charge includes - Loss Damage Waiver, Tax and other charges, Liability Insurance Supplement, Vehicle Licensing Cost Recovery, Transaction Fee, Drop fee and estimate mileage.

Am I ok then? And I don't need either the USA&Canada or Worldwide policies attached below?

http://www.insurance4carhire.com/Products.asp?subRefID=&pageID=37&langID=1&refID=1666&curID=1

Below is also a quote from the Hertz website. It suggests its an optional policy but from reading elsewhere I think that whenever you book US carhire from outside the US its normally chucked in as part of the total cost

Loss Damage Waiver (LDW) an optional service, which for an additional daily charge relieves you of all financial responsibility for the loss or damage to the rental car, whether or not you have insurance to cover such damage, provided the car is used in accordance with the terms of the Rental Agreement.

EDIT

Also just (to strengthen that bit above about LDW/etc being automatically added when booking from outside the US), just done a quote directly on hertz.com saying I am a US citizen and it gives a total price and then options for Liability Insurance Supplement at 12.95 USD per day and Loss Damage Waiver at 15.00 USD per day