Need extra insurance for car hire?

lionel_hutz

Below is a Copy text of the car hire I’ve paid for 2 weeks in the US. I haven’t paid anything for insurance to the renting company but I seem to have some level of cover. I’d rather have as much cover as possible (just in case) but am I gaining anything from a stand-alone policy off moneymaxim (or similar)?

ZERO EXCESS WITH EXTENDED COVER INCLUDING WHEELS, GLASS, UNDERSIDE AND ROOF OF VEHICLE

Value Added Tax (VAT)
Liability Insurance
Collision Damage Waiver (CDW) including damage to wheels, glass, underside and roof of vehicle with zero excess.
Theft Protection (TP) with zero excess
Fire Insurance
REVIEW TERMS AND CONDITIONS

OPTIONAL EQUIPMENT - PAID LOCALLY
None chosen
PAYMENT DETAILS

PAID AS OF 16 AUG 2019
Rental with Zero Excess with Extended Cover including wheels, glass, underside and roof of vehicle £425.53

EveryWhere

You have purchased separate reimbursement insurance from the Broker. As you state, it has nothing to do with the car rental company itself.
So if you have to pay anything to the car rental company, you should keep the invoice and receipts in order to present them to the insurance company for reimbursement.
No doubt that the broker has charged you more than necessary for the separate insurance policy.

How much did you pay for the insurance policy? Is there a cooling off period?

Ideally a standalone policy that included SLI up to US$1,000,000 would be best for you.

lionel_hutz

EveryWhere wrote: »

You have purchased separate reimbursement insurance from the Broker. As you state, it has nothing to do with the car rental company itself.
So if you have to pay anything to the car rental company, you should keep the invoice and receipts in order to present them to the insurance company for reimbursement.
No doubt that the broker has charged you more than necessary for the separate insurance policy.

How much did you pay for the insurance policy? Is there a cooling off period?

Ideally a standalone policy that included SLI up to US$1,000,000 would be best for you.

I didn’t add any extras onto the policy, the cover I’ve got was included with it. Would you reccomend a separate policy from moneymaxim or similar in this case? Thanks

EveryWhere

lionel_hutz wrote: »

I didn’t add any extras onto the policy, the cover I’ve got was included with it. Would you reccomend a separate policy from moneymaxim or similar in this case? Thanks

They have included it as an extra, regardless of what you think.

Who is the broker? Include more details.

lionel_hutz

EveryWhere wrote: »

They have included it as an extra, regardless of what you think.

Who is the broker? Include more details.

Must have been as a free extra then, I do remember they added extra drivers on free too so possibly part of that package?
Auto Europe is the broker I booked through using Dollar as the provider

EveryWhere

lionel_hutz wrote: »

Must have been as a free extra then, I do remember they added extra drivers on free too so possibly part of that package?
Auto Europe is the broker I booked through using Dollar as the provider

It is a separate policy. Free? Depends on whether the package can be found cheaper elsewhere.

City, car group and dates if you please. You can vary the dates by a couple of days if you wish. I want to look at the T&C to note what is included and to compare prices.

lionel_hutz

PICK UP

Las Vegas Mccarran Int'l Apt
Las Vegas, US
01 October 2019, 10:00
DROP OFF

San Francisco Downtown Office
San Francisco, US
13 October 2019, 10:00

Jeep Grand Cherokee or similar SUV

HogMan

USA car rental booked via a UK website using typically comes with zero excess CDW and other insurances

As an example an extract from my recent Alamo rental invoice

Base Rate 424.64 GBP
Collision Damage Waiver Full (included)
Extended Protection (included)
Rental Vehicle Tax (included)
Sales Tax (included)
Vlf Recovery 1.20/day (included)
Concession Recovery Fee 11.11 Pct (included)
Customer Facility Charge 3.50/day (included)
Total Price 424.64 GBP

lionel_hutz

HogMan wrote: »

USA car rental booked via a UK website using typically comes with zero excess CDW and other insurances

As an example an extract from my recent Alamo rental invoice

Base Rate 424.64 GBP
Collision Damage Waiver Full (included)
Extended Protection (included)
Rental Vehicle Tax (included)
Sales Tax (included)
Vlf Recovery 1.20/day (included)
Concession Recovery Fee 11.11 Pct (included)
Customer Facility Charge 3.50/day (included)
Total Price 424.64 GBP

Mine says zero excess on CDW so there’s no need to get additional insurance?

HogMan

You could take out insurance to cover any excluded items such as tyres if you wish, but most things are already covered.

EveryWhere

lionel_hutz wrote: »

PICK UP

Las Vegas Mccarran Int'l Apt
Las Vegas, US
01 October 2019, 10:00
DROP OFF

San Francisco Downtown Office
San Francisco, US
13 October 2019, 10:00

Jeep Grand Cherokee or similar SUV

Using your dates and times. I used the airport(SFO), since I didn't know which downtown office you wanted.



Of course without an extra driver.