by Jason Hall

There has been many a debate about car rental insurance and whether it is a necessity or not. The one thing that you must keep in mind is that car rental companies make money on selling you this option, so they want you to take it, plus it covers their vehicle, which honestly is the only thing that they are truly concerned about.

Here are some of the most asked questions about rental insurance, and the answer are most likely going to surprise many of you.

Q: DOESNT MY REGULAR CAR INSURANCE POLICY COVER ME WHEN I AM DRIVING A RENTAL CAR?

A: YES….Many insurance companies will still cover you when you are driving in a rental car. However, it is advisable that you contact your insurance company, prior to picking up your rental vehicle, just to make sure that is so. Otherwise you will not be completely confident that you will be covered and may spend money, on rental insurance from the rental company, you could have otherwise saved.

Q: IF I USE A CREDIT CARD FOR MY CAR RENTAL, WONT THAT COVER ME FOR ANY DAMAGES?

A: YES and NO….Most of the major credit card companies, such as Visa, MasterCard or Discover, offer you additional insurance protection when you use the card to rent a vehicle. Because this may not apply for all credit cards companies you should check with your credit company prior to renting your car. This will give you a piece of mind when turning down the rental insurance for the rental car company.

Q: IF I FIND OUT THAT I AM COVERED UNDER MY OWN CAR INSURANCE AND MY CREDIT CARD COMPANY SHOULD I STILL TAKE OUT THE CAR RENTAL INSURANCE?

A: This is a definite NO! Most car rental companies will try and convince you that you are only covered if you take their insurance out, but this could not be further from the truth. The insurance that you are provided by your credit card and insurance companies will offer you all the insurance that you are required to have while driving a rental. Rental companies only push their own insurance as a way to make more money offer of the rental of a car.

It is important to determine whether or not you need to purchase this coverage before you show up to rent your next vehicle. Understanding that you are covered in other ways will make you feel more secure when refusing the rental agencies insurance coverage.

About the Author:
Jason Hall is an expert in the rental car industry and can provide you with knowledgeable information that you need for a car rental Queensland. Before your next Australian visit check out his articles to ensure you are getting a car hire Queensland that is reliable.

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Filed under: Car Insurance

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