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  #41  
Old 02.09.2019, 17:54
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Re: car hire insurance

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Only if you are stupid enough to directly rent at the big names. As I said: I rent cars about 4-5 times a year and I spend about 4-5 EUR extra for good insurance for a weekend, around 20 for a week. But I use brokers and my bookings even come with a prepared page to print out in the local language which says "no, I dont want extra insurance, I am fully covered"...
At 20 for a week you only need to rent a car three or more times in a year and you’re paying more than the annual policy.
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  #42  
Old 02.09.2019, 18:03
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Re: car hire insurance

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Only if you are stupid enough to directly rent at the big names. As I said: I rent cars about 4-5 times a year and I spend about 4-5 EUR extra for good insurance for a weekend, around 20 for a week. But I use brokers and my bookings even come with a prepared page to print out in the local language which says "no, I dont want extra insurance, I am fully covered"...

At €4-5 euros for a weekend, it makes no sense to go elsewhere, nor if it is as cheap as €20.-- per week !!
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  #43  
Old 03.09.2019, 11:36
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Re: car hire insurance

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At 20 for a week you only need to rent a car three or more times in a year and you’re paying more than the annual policy.
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At €4-5 euros for a weekend, it makes no sense to go elsewhere, nor if it is as cheap as €20.-- per week !!
Thats why I am asking how much this insurance is. I rent a car some 4-5 times a year. This year once for a week, a long weekend and two weekends. Prices fluctuate by booking but I think I am better off just booking the cars with insurance when I need it.

I use check24.de as a comparison search engine, has consistently gotten me better prices than the companies directly or say the airlines who offer "special rates"... I usually dont go for the cheapest but the ones with the waivers included.
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  #44  
Old 03.09.2019, 11:54
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Re: car hire insurance

It is included in my travel insurance from Alliance. You can also check some credit cards as part of benefits.
Touchwood...never claimed it.
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  #45  
Old 03.09.2019, 12:00
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Re: car hire insurance

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I use check24.de as a comparison search engine, has consistently gotten me better prices than the companies directly or say the airlines who offer "special rates"... I usually dont go for the cheapest but the ones with the waivers included.
Thanks. I'll add them to my check list.

I use the price check strategy laid out here https://www.moneysavingexpert.com/tr...heap-car-hire/ then go on topcashback.co.uk to check for further savings, which has 'earned' me over £600 in cashback over the last 4yrs, just on car hire, hotels and insurance.

It's rare that a hire company's own website will have the best deals, but Enterprise do on occasion. I find that the 'deals' on airline websites are always the most expensive. They're primarily designed for loyalty card holders who want to collect their airmiles, but they have the cost of those airmiles built into the hire rates. Granted, it's at a lower cost to buying airmiles from the airline, but it's no use to other users.
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  #46  
Old 03.09.2019, 13:13
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Re: car hire insurance

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I use the price check strategy laid out here https://www.moneysavingexpert.com/tr...heap-car-hire/ then go on topcashback.co.uk to check for further savings, which has 'earned' me over £600 in cashback over the last 4yrs, just on car hire, hotels and insurance.
Thats a lot of cashback. I got only 100 EUR this year so far… cause I dont fall for the "if I book just one more stay I get xyz"... but then again is getting a cashback on the best price I found and would have booked anyways a nice bonus.
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  #47  
Old 03.09.2019, 13:18
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Re: car hire insurance

I missed out flights. Swiss typically offer between 1.2 and 2% cashback
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  #48  
Old 04.09.2019, 20:03
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Re: car hire insurance

Response from Questor:

Good Afternoon,

Thank you for your email.

Unfortunately, we are currently unable to sell to residents of Switzerland.

We do apologise for any inconvenience caused by this matter.

We would be more than happy to contact you, once we are able to sell to Swiss residents.

Should you require any further assistance, please do not hesitate to contact me.
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  #49  
Old 04.09.2019, 21:27
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Re: car hire insurance

I’m switching to AXA. I already have the personal liability insurance cover with them and for around CHF50 a year they reduce the deductible / excess to CHF200.-

It covers rental cars and car sharing.

Info from their GIC below.

Quote:

C2 Use of car sharing and rental vehicles

C2.1 Insured liability claims

The insurance covers the liability of an insured person as the driver/pilot (but not as a passenger) of third-party motor vehicles up to 3.5 tonnes, watercraft and aircraft which are used in return for payment or are made avail- able by a club, association or the employer.

C2.2 Insured vehicles

The insurance covers motor vehicles of up to 3.5 tonnes, watercraft and aircraft (jointly referred to below as “vehi- cles”) which are used by the insured persons with liabil- ity insurance prescribed by law:
• which are rented or used in the context of (car) shar- ing;
• which are made available by the employer for private use;
• which are made available by a club or an association. The driver/pilot must be a member of the club or asso- ciation. In this case, the insurance also covers vehicles without legally prescribed liability insurance.
In the absence of legally prescribed liability insurance, AXA’s obligation to indemnify ceases to apply in its en- tirety.
The insurance does not cover:
• vehicles registered in the name of an insured person
or a person living in the same household as the in-
sured person;
• vehicles that are used in the interest or on behalf of
the employer, or which are used for a professional
activity;
• vehicles of the motor vehicle industry (e.g. replace-
ment vehicles);
• vehicles leased by an insured person.

C2.3 Insured benefits

The insurance covers:
• liability insofar as the claims are not insured by the lia-
bility insurance for the vehicle (subsidiary coverage). In the absence of legally prescribed insurance, AXA’s obligation to indemnify ceases to apply in its entirety;
• loss of bonus from legally prescribed liability insur- ance. The deductible from the liability insurance and any gross negligence recourse vis-à-vis the driver/pilot are not covered;
• liability for damage to the vehicle not resulting from a C4 collision (e.g. damage while loading the vehicle, mis-
fuelling, damage due to soiling of a seat);

C2.4 Exclusions

In addition to the exclusions as per B5, liability for the following types of damage is not covered:
• damage to goods for relocation transported by a mo-
tor vehicle of up to 3.5 tonnes, watercraft or aircraft;
• operational damage to the vehicle, especially damage without a violent external effect or due to an internal
defect (e.g. missing or frozen liquids, operating errors, C5 faulty or fatigued materials, wear and tear, excessive
use, malfunction of electric or electronic compo-
nents).
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  #50  
Old 09.09.2019, 08:30
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Rent a car insurance - old answers no longer valid

The old answers are NO LONGER VALID!

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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  #51  
Old 09.09.2019, 08:58
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Re: Rent a car insurance - old answers no longer valid

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The old answers are NO LONGER VALID!

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!!
Er not quite true, I posted this one only last week. You just need to read the threads in a bit more detail.
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  #52  
Old 09.09.2019, 14:05
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Re: car hire insurance

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I’m switching to AXA. I already have the personal liability insurance cover with them and for around CHF50 a year they reduce the deductible / excess to CHF200.-

It covers rental cars and car sharing.

Info from their GIC below.
What!
Is this a special package of some kind that you have?
I am with them as well (mine is of BOX OPTIMA type), and have the "3rd party vehicle coverage" included, but have been rejected back in March for a refund for a rental car damage, because they state the rental cars are exempted!
Can you please link me to the document itself, or check which package do you have with them?

Last edited by dbucar; 09.09.2019 at 14:16.
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  #53  
Old 09.09.2019, 14:14
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Re: Rent a car insurance - old answers no longer valid

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The old answers are NO LONGER VALID!

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!!
Nice first post.
The old answers ARE valid, especially my reference to booking rentals with a credit card...
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  #54  
Old 09.09.2019, 14:23
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Re: car hire insurance

Not exactely... Bonviva no longer offers it, neither does Swisscard.
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  #55  
Old 09.09.2019, 14:25
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Re: car hire insurance

Viseca Mastercard does...
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  #56  
Old 09.09.2019, 14:28
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Nice first post.
The old answers ARE valid, especially my reference to booking rentals with a credit card...
I might not have made it clear enough:

Living fulltime (Steuerdomicilie) in Switzerland BUT renting car 3x 2 months in the USA.

I was in contact with Axa, Basler i.e, they only offer it for Europe rentals...

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Viseca Mastercard does...
Only excess, no basic and not in the USA

Last edited by 3Wishes; 10.09.2019 at 14:13. Reason: merging consecutive replies
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  #57  
Old 09.09.2019, 14:56
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Re: car hire insurance

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Only excess, no basic and not in the USA
Excess is what this thread is about - check post #1. Also post #26 where I advised how it worked with car hire in Australia.

Check: https://www.viseca.ch/en/services/in...tal-deductible

There are no geographical limits.

If you are talking about something else, please make it clear...
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  #58  
Old 09.09.2019, 17:58
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I am talking about just the BASIC LDW and CDW for rental in the USA

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Excess is what this thread is about - check post #1. Also post #26 where I advised how it worked with car hire in Australia.

Check: https://www.viseca.ch/en/services/in...tal-deductible

There are no geographical limits.

If you are talking about something else, please make it clear...
And I DIDNT move my post under this thread it was the admin ACE... I tond him/her 3x its not tje same thing... he/she didnt care...

Last edited by 3Wishes; 10.09.2019 at 14:13. Reason: merging consecutive replies
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  #59  
Old 09.09.2019, 22:12
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Re: car hire insurance

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What!
Is this a special package of some kind that you have?
I am with them as well (mine is of BOX OPTIMA type), and have the "3rd party vehicle coverage" included, but have been rejected back in March for a refund for a rental car damage, because they state the rental cars are exempted!
Can you please link me to the document itself, or check which package do you have with them?
Yep it’s an add on to the Personal Liability Insurance. I only noticed it when I started scouting around for a new insurance provider after Questor.

Anyway you can just go on their online premium calculator and check it out for yourself or call your contact at Axa.

Online premium calculator here: https://secure.axa.ch/e2/hh/start?lang=en&product=ph
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Old 09.09.2019, 22:17
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Re: car hire insurance

If you're after the full CDW, and not just the excess, you could try www.rentalcover.com . They're pretty flexible, however, they are not at all cheap.


WorldwideInsure are much cheaper and have a Deluxe policy that does appear, to my reading, to cover the full CDW- it covers GBP 50,000 and the definition of Excess in the policy wording doesn't actually state that an insurance policy needs to be in place. But you might want to check it out with them. Also, you might run into issues with the maximum rental duration, which is 60 days.

https://www.worldwideinsure.com/poli...9/CER19_v1.pdf


Frankly though, if you book US car hire through the European websites of most of the major rental companies or brokers, they will quote with CDW included (maybe with an excess), and in my experience that usually works out cheaper than a separate insurance policy (assuming we're talking about full CDW, not excess reimbursement).
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