Renting a car is often the best option to move during the holidays, we can not help but have doubts about the possibility of having an accident, is an accident, a small scratch on the door trying to park or who suddenly find that the car is gone. This article aims to dispel these doubts and as far as possible make the best decision when we see the need.
Basic Insurance
The car rental companies offer their clients the following basic insurance: with excess, third and theft coverage.
In the case with excess or Waiver Collision Damage Liability, the driver is partially exempt from financial liability for damage to vehicles in the event of an accident, excluding those caused by vandalism. It is advisable to pay attention in this section to the franchise and the maximum amount. The excess is the amount that, in case of accident, pays the driver and is not covered by car insurance, while the maximum amount is the amount the insurance will pay in case of accident.The liability insurance protects you or others to any damage you cause to other vehicles.Finally theft coverage will provide protection against theft.
Supplementary insurance
If you want to avoid the uncertainty of not being completely covered with an accident, any risk with damage Excess Refund reduces and sometimes even cancel the amount of the excess to pay in case of accident. Read conditions of this service as each company and the type of vehicle its costs vary from € 5 per day onwards.
There is also the comprehensive insurance without excess in which you should not worry about dealing with any excess and then apply for reimbursement.
Personal Insurance.
It is important to check what type of coverage is the driver and occupants of the rental vehicle. It depends on the company and the destination, the amounts will not be the same and in some cases we will not always covered.
There is a voluntary insurance liability, which in Spain is around € 300,000 and you can get to expand in its mode of supplemental insurance to 50 million. With the first in Spain are probably covered in other countries, the U.S. for example, you need at least a million dollars to a hit-and disability.
Exclusions
You should be aware that the insurance cover you ever exclusions not covered by the policy, ie damage to the ceiling or the underside of the car, the windows and wheels, unless otherwise stated. Neither personal items inside the vehicle. The most common exclusions include but are not limited to, the following:
• If the driver is under the influence of drugs and / or alcohol
• If the driver's name is added to the rental agreement, hence if more than one person is going to drive the rental vehicle is important to include in the lease
.• If the vehicle is driven carelessly, without proper care, including driving off road or on unpaved roads. Do not leave the paved roads and you dont even have access to roadside assistance coverage, or rent a car with your vehicle nor usual.Important, before signing the lease
• Read the contract cerciorándote to understand fully.
• Check what to do and who to call in case of accident or theft.
• Make sure the fuel type and conditions of return of the deposit.
• Verifies insurance coverage, and do not skimp by hiring additional coverage and / or additional damage supplements, sometimes the maximum amount is too low.
