Car insurance for renting car outside of United States (France)
score:7
In France, car insurance is typically attached to a car, not to a driver. So when a French resident rents a car in France, even if they have a car at home, they often don't have insurance that would cover them when driving a rental car.
Liability insurance (i.e. insurance that covers damage to others, excluding damage to the car you're driving or to the driver) — “garantie responsabilité civile” — is mandatory for any car that's in a driveable state. So normally the owner of the car, i.e. the rental company, has this insurance (since by law, they must have it even when the car is in the lot waiting to be rented again). There may be exception for long-term rentals (I'm not sure: it may be only when leasing to own), but for a short-term rental, liability insurance is always included in the base rental fee, and the rental company must provide proof (which you must have in the vehicle at all time: police may stop you to check for proof of insurance and a driving license).
Liability insurance may be restricted to named drivers. You typically need to list the names of all drivers when renting the car, and there may be additional fees for extra drivers.
Rental companies generally offer an optional insurance covering damages to the vehicle. It's typically not particularly competitively priced compared to shopping for third-party insurance. Third-party insurance tends to be a hassle for a short rental but might be worth it for a longer rental.
You may have coverage from certain credit cards, or from your insurance at home in certain countries, so check your policies.
Upvote:2
The same is true all over Europe. Rental car companies have a price for the rental only and an additional daily fee for insurance. Often there are even various insurance offered such as liability, road hazard, etc. These can easily double the price of the rental since the base daily-rate is usually priced competitively. Of course, you may accept one of these which is the simplest but also likely to be the most costly option.
The cheapest insurance is one that is free. Many credit card companies offer this as an incentive, provided that you charge the entire rental on the card and that you decline the insurance offered by the rental agency. Check if you have such coverage already applicable. If you do not, and your credit rating allows, I suggest you apply for such a card. Even with an anual fee, the savings are well worth it. What happens often though is that the rental agency will insist and take a block on the card to cover potential damage. The last time, they blocked €5000 on my card which requires that credit to be available.
The middle ground is to get insurance from a third-party which is not always easy to get outside of your home country. So, while in the US, you'll have to contact insurance companies to get a quote. What you are looking for is specifically rental or hire car insurance. I don't have a particular one to recommend but a few Google search and you'll have plenty of options available.
Lastly, there are some OTA that offer car rentals and also have their own insurance. I've only used it once and it worked out well. Basically, you search for your car rental through an online travel agency and watch for optional insurance through the website. The time I did it, they even sent me an entire document about how the rental car company will offer me other unnecessary insurance and what to answer!
More post
- 📝 Will British Airways agents do due diligence before letting me board the plane?
- 📝 US citizen traveling with Peruvian passport
- 📝 Short term study visa refusal for a US citizen
- 📝 Award travel to Italy, separate return
- 📝 Can I use the valid Schengen visa in old passport?
- 📝 How soon can I re-enter the US after my previous visit?
- 📝 Cheap flights in South-East Asia
- 📝 Can family of EU Blue Card holder travel freely in the Schengen Area with a German Aufenthaltstitel?
- 📝 Does the boarding port need to be in the country of visa issue?
- 📝 Deported from the US with no stamp; home country said passport was blacklisted
- 📝 Is it possible to get an immigration visa (to stay as long as possible) to US while working remotely for a company in another country?
- 📝 Do I need visa to recheck bags at Riyadh?
- 📝 Are visa application forms for Morocco available online?
- 📝 Philippine passport holder stop over in Vancouver Canada
- 📝 Method/time to see the Grand Canyon and Meteor Crater, in Winslow Arizona
- 📝 Transit through Schengen area with Bulgarian visa?
- 📝 Do I need to manually take my luggage from one plane to the next?
- 📝 VFS account is locked, tried many times. Still it is locked
- 📝 Multiple Entry visa for parents visiting me in UK
- 📝 Should I use a lockable suitcase in India?
- 📝 ESTA still valid but new passport. can I ask for a new esta?
- 📝 I'm a UK Citizen, my Non-EU/EEA wife's parent wants to visit France with us, which visa should we be applying for?
- 📝 Can I use a bike-sharing in Germany as a traveler?
- 📝 Where can I hike in the UK?
- 📝 Can I travel between Schengen countries on one itinerary?
- 📝 Settled Syrian in Germany to visit UK
- 📝 What if my Filipina girlfriend is denied admission
- 📝 B1/B2 vs ESTA - Airline
- 📝 Can one obtain a visa for a third country in their home country if they do not currently live in the home country?
- 📝 What is the fastest bus route from Lugano to Menaggio?
Source: stackoverflow.com
Search Posts
Related post
- 📝 Car insurance for renting car outside of United States (France)
- 📝 Is Collision Damage insurance mandatory when renting a car in the United Kingdom?
- 📝 Do I need travel insurance for France on an Airport Transit Schengen Visa?
- 📝 Entry quarantine for entering the United States
- 📝 How can I rent a car in Caen, France with a driver's license that has been valid for less than one year?
- 📝 Resources for planning a western United States road trip
- 📝 Renting a car in the USA — how to know costs for the legal minimum liability insurance, before arriving for pickup?
- 📝 Renting a car in Switzerland for short foreign trips
- 📝 Renting a car in france with a German license that is less than 1yr old
- 📝 Business travel to the United States for European company
- 📝 How to pay for toll roads when renting a car in Japan?
- 📝 Renting a car in Iceland for summer travel on main roads: is a "Mini" class car enough?
- 📝 Is the United States an exception in not having customs/immigration formalities for departing passengers?
- 📝 What u.s. car insurance is there for my British Land Rover with British plates?
- 📝 Renting a car in Minsk, Belarus for EU citizens
- 📝 Prepaid debit card for use in Morocco, obtained in United States
- 📝 Recommended car insurance for driving Iceland golden circle in Winter?
- 📝 Blank passport pages required for B2 visa to the United States
- 📝 Does a UK (Natwest) Mastercard cover insurance for car rental in the U.S
- 📝 Indian citizen living in United Kingdom wants to get a Schengen visa for France
- 📝 Is it common practice for customs agents to see travel funds before allowing me to board for trip to United States
- 📝 Insurance policy for car rent?
- 📝 Is an IDP required for renting a car within the EU if you have a standard EU format license?
- 📝 Currency restrictions travelling outside of United States
- 📝 Insurance for car rental in Costa Rica
- 📝 Traveling to the United States a year after getting a tourist Visa (B2) which is valid for 5 years
- 📝 Car or Motorbike Insurance in UK for Business Visa visitor from India
- 📝 Required documentation for travelling to the United States from Canada?
- 📝 United States B-2 Visa for Indonesian with Australian Permanent Residency
- 📝 applying for UK visa after attempting an overstay in the united states