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Insurance 101

Insurance 101

When you book a car with Auto Europe, the basic price always includes all the necessary insurance for you to drive the car in the country where you’re hiring. There are no exceptions to this. Here are the two main things you should know about the insurance included in your rental:

1) It has an excess.
This excess varies depending on the supplier and the car category, and the exact amount can be found on the “Product Information”, on the “Terms, Conditions and Local Fees” and on your voucher.

Product Information2) It has exclusions.
This is not always the case, but normally certain elements of the car, such as glass or tyres aren’t covered by the normal insurance. The insurance also doesn’t cover negligent acts (such as putting in the wrong fuel), driving under the influence of alcohol, or drivers other than the driver (or additional drivers) named on the voucher. The exact exclusions for any given car can be found on the “Terms, Conditions and Local Fees” and on your voucher.

Locally, suppliers tend to offer their own insurance products to either reduce the excess or to cover the elements excluded from the original insurance. Generally speaking, any additional insurance offered locally is optional and the client can refuse to take it on if he or she decides they can do without it.

Having said that, there are some occasions when locally offered insurance becomes mandatory. These are some of the cases:

1) When the client doesn’t have a credit card.
With notably few exceptions, the large majority of the suppliers require clients to present a credit card locally, in which the security deposit is blocked. This doesn’t have to be the same credit card used to pay for the booking, but it needs to be:

a) a credit card;
b) in the name of the driver named on the voucher.

Failing either of those, the client may need to acquire extra insurance. Please note that it is extremely important to observe this condition, as some suppliers will simply refuse to release the vehicle. If you don’t have a credit card and still want to hire a car, please give us a call and we will help you review the available options.

Terms, Conditions & Local Fees2) When the client’s credit card is not acceptable locally.
Not all credit cards are created equal. There are certain credit cards that are often not accepted locally. Examples include American Express and Diner’s Club. You can always find this information on the “Terms, Conditions and Local Fees” and on your voucher.

3) If you are a senior driver.
Not all suppliers impose extra insurance on drivers over a certain age, but some do. You can find out whether that is the case by reviewing the “Terms, Conditions and Local Fees” before booking, or by reading the terms on your voucher afterwards.

4) If you are a young driver. Many suppliers charge a “young driver surcharge”, which is paid locally. The age under which clients are charged for this varies depending on the supplier and the car category, and you can find this information on the “Product Information”, on the “Terms, Conditions and Local Fees” and on your voucher.

We hope you found this article informative! As always, you are welcome to leave your comments or questions in the comments section below, or come pay us a visit on Facebook or Twitter 😉

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