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Car insurance for daily hire will differ depending on what it is you want out of insurance.

 

Rental companies

 

If you?re hiring a car for a number of days, the rental company will usually calculate their hire charges and associated in-the-deal rental costs based upon a rate per day.

 

So, if you have a 4-day rental then you?ll be typically paying for 4 days? worth of daily car hire insurance in the price ? though it may not be shown as such.

In some countries such as the USA, the rental car deal may include very little insurance other than the State minimum (a figure typically considered to be wholly inadequate given the risks of huge court awards following an accident).  Daily insurance is typically purchased separately from the hire company or from online providers of rental car insurance.

 

Car rental insurance providers

 

If you look closely at the typical in-the-deal policy provided by the rental company, you may find that it contains two significant potential shortcomings:

 

there is always a certain amount that you have to pay out towards a claim and this is called the excessit may exclude a number of major parts of the rental car from cover ? they may prove expensive to replace or repair and if that?s necessary, it?ll be you that pays.

 

That?s why a number of online car rental insurance providers now offer a form of daily car hire insurance called car rental excess cover.

 

That insurance protection means that if the rental company charge excess or other related additional charges to your credit card, then all you have to do is claim that back through your excess policy.

 

You may be able to get cheaper insurance by looking and comparing online with providers

Alternative options

 

Paying for daily car hire excess insurance protection may not be the most cost-efficient method of covering these risks if you rent regularly (perhaps just more than once) in a year.

 

Some online providers offer annual excess insurance policies, which will cover you for any vehicles rented in the period (terms and conditions will apply so as with any insurance product, you should read these and ensure that you understand the limitations and exclusions within the policy).

 

Such a policy may end up saving you considerable amounts of money.

 

Excess cover can save you a great deal of money and provide you with peace of mind.

 

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