Car insurance for renting car outside of United States (France)
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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!
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