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Rental - Car Hire > Insurance Information
Car Rental -
Insurance Information
All of Auto Europe's rates include third
party liability and fire insurance. Collision Damage Waiver
is included in all of Auto Europe's 'Inclusive' rates.
'Inclusive' rates will also include Theft insurance in most
cases.
Collision
Damage Waiver and theft insurance releases the client from
full financial responsibility for the vehicle in case of
an accident or theft. In most cases, the client will still
be responsible for a deductible of some sort when collision
and theft are purchased. Most car rental suppliers will
offer insurance locally which can reduce the collision
and theft deductible if the client wishes to do so.
With the exception of Italy, CDW is
optional and a client always has the right to refuse it.
If your client does not wish to purchase CDW at the time
of pick up, please advise that they sign their initials
on the 'Decline CDW' box on the European Rental Agreement.
If they refuse the CDW in order to use the coverage their
credit card or personal insurance policy offers, please
consider the facts below:
Some credit cards only offer coverage for certain car types.
Exempted with most cards:
• Vehicles valued at over EUR 50,000
(Mercedes-Benz 320, BMW 730, etc.)
• Exotic cars or antique cars (over
20 years old or have not been manufactured in 10 years)
• Off road or 4x4 vehicles, motorcycles,
trucks, cargo vans, full sized vans and camper vans
Other credit card coverage concerns:
• Coverage is limited to rentals under 30 days.
• Some
credit cards do not offer coverage for car rentals in Ireland,
Israel, Italy, New Zealand, Australia and travel into Eastern
- Europe.
• To extend coverage, additional drivers
must be listed on the european rental agreement.
• Most credit
cards will file a claim with the client's personal insurance
company before they reimburse the deductible.
- This could
affect your client's personal driving record and premium.
• Most
credit card companies require the repair bill paid directly by the
client and have a specific time period for the client
- to submit documentation.
• Most
credit cards will not cover rentals if the card was issued outside
the United States.
• Coverage may be limited to the
value of the car your client owns, not the rental.
• Some policies
will not cover a rental car unless it's due to the
client's own personal car needing repairs.
• The insurance premium
could be raised because of the claim. The client could
be put in a 'high risk' bracket and their
- insurance policy
could be canceled.
• Most policies does not cover damage or theft
of personal possessions, third party liability or medical
costs.
It is the client's responsibility to
check with their credit card company or insurance carrier
to determine their coverage.
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