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Old 12.05.2010, 00:45
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Excess insurance for rental cars

Hello,

Does anyone know of any insurance companies in Switzerland that cover car rental excess? CDW etc?

I can find tons for the UK etc, but none for CH residents... (that arn't through agencies like cartrawler)

Thanks!!
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  #2  
Old 28.05.2012, 11:51
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Re: Excess insurance for rental cars

I need the same.
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Old 28.05.2012, 13:27
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Re: Excess insurance for rental cars

It can be part of the standard 3rd party liability insurance ( Privathaftpflichtversicherungen ) which you are strongly advised to have.

http://en.comparis.ch/hausrat-versic...ngsnehmer.aspx

The insurance policy will cover the no claims bonus lost on the car insurance, when you drive a car not belonging to you, and crash it.

https://www.axa-winterthur.ch/en/pri...s/default.aspx (Use of third-party vehicles )
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Old 28.05.2012, 14:03
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Re: Excess insurance for rental cars

Not for Business use or rented vehicles...
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Old 28.05.2012, 14:33
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Re: Excess insurance for rental cars

I use these guys when I'm renting abroad. I think you can get them to cover rentals in Switzerland but it's better to check with them.

Worldwide insurance for me is around GBP40! Cheap as chips!

https://www.questor-insurance.co.uk/
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Old 28.05.2012, 14:41
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Re: Excess insurance for rental cars

I use these people
http://www.worldwideinsure.com/car-h...-insurance.php
as their coverage covers you everywhere including country of residence and is available to residents of any country.

Can't speak for the claims process as, touch wood, I've never had to claim.
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Old 04.07.2012, 13:54
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Re: Excess insurance for rental cars

thanks for the tip (my technichal skills have not developed to be able thank directly on a post!), just signed up. I had something similar but recently received an e-mail from them stating that they could not renew the annual policy due to me being resident in Switzerland.

I'll, am, keep touching wood too. Lucky enough never to have had to claim on these policies...
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Old 04.07.2012, 14:23
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Re: Excess insurance for rental cars

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Does anyone know of any insurance companies in Switzerland that cover car rental excess? CDW etc?
Amex Platinum and Centurion charge cards (and possibly some other upmarket credit cards) come with LDW cover, but I've never seen it offered separately in Switzerland.
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Old 17.06.2013, 12:25
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Re: Excess insurance for rental cars

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I use these people
http://www.worldwideinsure.com/car-h...-insurance.php
as their coverage covers you everywhere including country of residence and is available to residents of any country.

Can't speak for the claims process as, touch wood, I've never had to claim.
I am about to take out an annual worldwide policy for 55, just seems a bit too good to be true.. does anyone else have any experience with them?
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Old 17.06.2013, 16:52
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Re: Excess insurance for rental cars

Yep I've used them for several years now and I even had a claim for a parking scrape in Spain (250). I sent them all the paperwork and they paid up in full, no quibbles.

They are underwritten by AXA.

Use the following code for a 10% discount: WWT10
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Old 17.06.2013, 17:00
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Re: Excess insurance for rental cars

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I am about to take out an annual worldwide policy for 55, just seems a bit too good to be true.. does anyone else have any experience with them?
Can you take this even if you live in Switzerland, or is it only for uk residents?
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Old 17.06.2013, 17:12
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Re: Excess insurance for rental cars

The higher level ACS membership includes it along with cancellation insurance and the gereral breakdown stuff. Quoted at CHF 290 but I know discounts are possible for certain corporate connections:

http://www.acs.ch/ch-de/ACS-the-club...CS-Premium.asp
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Old 17.06.2013, 23:43
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Re: Excess insurance for rental cars

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I am about to take out an annual worldwide policy for 55, just seems a bit too good to be true.. does anyone else have any experience with them?
Am I missing something... but I cannot see the point of that insurance. Does it covers just the Excess that you will have to pay the rental company if you trash the car??

If so the last time I checked English-speaking countries:

- renting to the USA the loss-damage-waiver and additional liability insurance were compulsory for non-USA-residents (but also no taxes either). So there is no excess for loss, so no excess insurance needed.

- renting in the UK, the excesses were of the order of 350, so even the extra insurance offers up to 5000, you effectively only get 350.. so paying a 55 annual fee, to perhaps get 350 back, if you happen to trash your car on the rare (perhaps) occassion you rent one seems too extrame.

Of course may be useful for other countries, eg renting a car for a safari in Africa..
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Old 17.06.2013, 23:50
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Re: Excess insurance for rental cars

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Am I missing something... but I cannot see the point of that insurance. Does it covers just the Excess that you will have to pay the rental company if you trash the car??
I lost my 600 excess with Enterprise UK after a non-insured driver went into the back of me. That aside, any minor dent, windscreen damage etc.. could lose you your entire excess which can be as high as 900 with some car rental companies, or many 000s in places like Morocco. Therefore this insurance is well worth it for the piece of mind.
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Old 18.06.2013, 00:01
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Re: Excess insurance for rental cars

As per earlier posts.

Gold cards from Bonviva or Cornercard cover up to 90,000USD of CDW.
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Old 23.06.2013, 15:25
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Re: Excess insurance for rental cars

I have been using Questor Insurance Services Limited, Chatham, Kent, UK, for several years (last yearly renewal 40.-) They are underwritten by White Horse Insurance (Ireland) Limited. I am resident of Switzerland.
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Old 18.03.2014, 21:46
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Re: Excess insurance for rental cars

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I have been using Questor Insurance Services Limited, Chatham, Kent, UK, for several years (last yearly renewal 40.-) They are underwritten by White Horse Insurance (Ireland) Limited. I am resident of Switzerland.
This looks like the best answer to this issue.

I've been inspired to seek this thread after looking at renting in Ireland. The quote for excess cover via a 3rd party site doubled when I switched the address setting from the UK default to Switzerland.

Thanks to your post it now seems I can get a better annual policy for half the price of the 10 day cover I was looking at in Ireland.
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Old 20.10.2014, 12:22
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Re: Excess insurance for rental cars

Questor just stopped offering SLI, so it's not much use for Canada/USA car rentals. Shame because I used it for the last two years. Anyone know of a good replacement for Swiss residents, renting cars in Canada/US?
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Old 20.10.2014, 12:32
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Re: Excess insurance for rental cars

Try WorldWide Insure mentioned above.

Use the following code for a 10% discount: WWT10

I use them and once had to claim, no probs.
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Old 20.10.2014, 13:20
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Re: Excess insurance for rental cars

I checked them too, they don't offer SLI. Or what they have is only about 3000. For the US/Can you need $1mill minimum
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