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Car hire in the USA, insurance requirements
PASTMYBEST
post Fri, 18 Jan 2019 - 21:04
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Hi guys

Can anyone give me the heads up on what I will need in the way of extra insurance for car hire in the USA. and good places to buy the same.

Also any advise on hire firms would be appreciated


Ta


PMB


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post Fri, 18 Jan 2019 - 21:04
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cp8759
post Fri, 18 Jan 2019 - 21:51
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QUOTE (PASTMYBEST @ Fri, 18 Jan 2019 - 21:04) *
Hi guys

Can anyone give me the heads up on what I will need in the way of extra insurance for car hire in the USA. and good places to buy the same.

Also any advise on hire firms would be appreciated


Ta


PMB

I know a few people who's hired cars in the US and nobody ever mentioned anything special about insurance. It normally just comes included in the cost of hiring the car.


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PASTMYBEST
post Fri, 18 Jan 2019 - 21:54
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QUOTE (cp8759 @ Fri, 18 Jan 2019 - 21:51) *
QUOTE (PASTMYBEST @ Fri, 18 Jan 2019 - 21:04) *
Hi guys

Can anyone give me the heads up on what I will need in the way of extra insurance for car hire in the USA. and good places to buy the same.

Also any advise on hire firms would be appreciated


Ta


PMB

I know a few people who's hired cars in the US and nobody ever mentioned anything special about insurance. It normally just comes included in the cost of hiring the car.


What I am reading seems to suggest it is a pretty basic package that is included and you need to re enforce it with an additional package


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cabbyman
post Sat, 19 Jan 2019 - 00:45
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You do.

We went to FLA in October with a Virgin package. Thankfully, everything, including full CDW, etc., cover was included. However, I am aware of high insurance add-ons which a lot of people get around by buying a policy in the UK. If you are a Facebooker, you may want to join a group that we had a lot of help from and the admins try to ensure the advice is accurate:

https://www.facebook.com/groups/ORLANDOTIME/


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The Slithy Tove
post Fri, 25 Jan 2019 - 07:51
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If you arrange the hire through someone like holidayautos.com, you'll normally be quoted the price including all the required insurance, including CDW. There will be the usual excess, which can be mitigated by taking out additional insurance (where it's always cheaper to do it yourself in advance with a 3rd party insurer than when you pick up the car).

If you hire direct with a rental company, it probably won't include sufficient insurance. US car insurance works differently from here. If you live in the US, have a US insurance policy to drive your US car, that normally provides a level of cover for rental cars. Which is why the default level of insurance offered when you hire a car is less than it is in the UK.
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DastardlyDick
post Sun, 27 Jan 2019 - 19:51
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QUOTE (The Slithy Tove @ Fri, 25 Jan 2019 - 07:51) *
If you arrange the hire through someone like holidayautos.com, you'll normally be quoted the price including all the required insurance, including CDW. There will be the usual excess, which can be mitigated by taking out additional insurance (where it's always cheaper to do it yourself in advance with a 3rd party insurer than when you pick up the car).

Don't know about US Hire Companies specifically, but most UK/EU hire Co's won't recognise 3rd Party Insurance, and either charge more for the rental, or load your Credit Card to cover for any damage.
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Steve_999
post Mon, 28 Jan 2019 - 00:16
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QUOTE (DastardlyDick @ Sun, 27 Jan 2019 - 19:51) *
QUOTE (The Slithy Tove @ Fri, 25 Jan 2019 - 07:51) *
If you arrange the hire through someone like holidayautos.com, you'll normally be quoted the price including all the required insurance, including CDW. There will be the usual excess, which can be mitigated by taking out additional insurance (where it's always cheaper to do it yourself in advance with a 3rd party insurer than when you pick up the car).

Don't know about US Hire Companies specifically, but most UK/EU hire Co's won't recognise 3rd Party Insurance, and either charge more for the rental, or load your Credit Card to cover for any damage.




I don't think it was being suggested that this was "3rd party insurance cover" as such, simply a policy which covers the excess imposed by the hire company's policy. I always take out this cover when hiring a car overseas. Very inexpensive (as in about £14 the last time) and also covers you for the claim (usually a few weeks after returning the vehicle) that there was damage to the car such as a small scratch which hadn't been noted on the hire form.
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