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  #21  
Old 08.02.2015, 11:37
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Re: Excess insurance for rental cars

Just a note - I have been using the Bonviva Amex Gold coverage as mentioned above for my rentals. After calling numerous times to check on my actual coverage (some of the wording was vague) they confirmed (after multiple transfers within their legal department) that rental car coverage in Switzerland is NOT included. This only covers your rentals outside of Switzerland, if you are a Swiss card holder. Glad there was no accident before I figured this out!!! Thanks for the input above. Looking into all of the options now. We primarily rent in Switzerland.
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  #22  
Old 17.06.2015, 12:07
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Re: Excess insurance for rental cars

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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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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.
Do one or the other (or both) of these cover mobility cars? They're "car sharing" and not "car rental" but is there any difference in practice? You're not borrowing the car for free in any case.
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  #23  
Old 18.06.2015, 12:27
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Re: Excess insurance for rental cars

Isn't this also included in the Kantonalbank Gold cards? It is 14fr/month at ZKB, or 6fr extra if you have their basic package.

http://www.viseca.ch/versicherungen
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  #24  
Old 07.07.2015, 16:42
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Re: Excess insurance for rental cars

What about personal liability insurance for renting a car? as mentioned above for example axa doesn't cover that and kinda major if you crash the rental and/or someone gets hurt in an accident caused by you.
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  #25  
Old 07.07.2015, 17:56
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Re: Excess insurance for rental cars

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What about personal liability insurance for renting a car? as mentioned above for example axa doesn't cover that and kinda major if you crash the rental and/or someone gets hurt in an accident caused by you.
Liability insurance is mandatory for all registered vehicles, i.e. if you cause an accident, the other parties are covered. Of course some deductibles may apply.

As far as loss, damage or theft of the rental car is concerned, the rental agencies offer plenty of insurance options, usually known as CDW (collision damage waiver), TP (theft protection) and so on. Sometimes they are included in the rental rate, sometimes they aren't. Some top of the line credit/charge cards (e.g. Amex Platinum or Centurion) also provide coverage if you use them to pay for the rental.
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  #26  
Old 08.09.2015, 01:38
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Re: Excess insurance for rental cars

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Just a note - I have been using the Bonviva Amex Gold coverage as mentioned above for my rentals.
They REMOVED the insurance for car rental from the gold package - maybe is still in the platinum one but that is quite a lot more of yearly costs.I just went for the worldwideinsure polic, just to avoid the pressure they out you under when you arrive at the rental desk. I guess it also covers the mobility here in Switzerland but if I have an accident I let you know if it works or not.
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  #27  
Old 26.09.2015, 08:58
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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.
"Use the following code for a 10% discount: WWT10"

This discount code was still good so the deluxe policy was just £40.50
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  #28  
Old 26.09.2015, 09:16
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Re: Excess insurance for rental cars

I bought cover from worldwideinsure. When I made a claim it was all settled without problem. Five days after raising the claim, the money was in my account.
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  #29  
Old 28.12.2015, 11:31
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Re: Excess insurance for rental cars

I have added the worldwideinsure - Car rental insurance policy wording it would be helpful for others.
Attached Files
File Type: pdf Worldwide Insurance Policy wordings.pdf (236.9 KB, 312 views)
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  #30  
Old 28.12.2015, 11:35
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Re: Excess insurance for rental cars

Policy wordings for questor car hire insurance - Claim limit is only upto 5000 gbp
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File Type: pdf Questor car-hire-insurance_v41.pdf (537.9 KB, 710 views)
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  #31  
Old 28.12.2015, 12:18
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Re: Excess insurance for rental cars

In many countries, the excess you have to pay on damage to the hire car is considerably less than 5000GBP. This type of insurance is not to cover you for damaging the car, but to cover the excess that isn't covered by the standard hire car agreement (without paying humungous amounts for extra CDW).
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  #32  
Old 28.12.2015, 12:19
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Re: Excess insurance for rental cars

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Policy wordings for questor car hire insurance - Claim limit is only upto 5000 gbp
When you hire a car, usually your maximum liability is something like €2000, regardless of how much more damage you cause to it. This is what they take your credit card for.

Therefore the £5000 claim limit is enough that you are covered.

ie, you are billed the full €2000 from the car hire company for damaging the car. You send that €2000 receipt to Questor and they pay you out the money in full.

It's enough for all normal cars you are likely to hire.

Last edited by Fish Paste; 28.12.2015 at 12:19. Reason: NAT beat me to it
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  #33  
Old 27.12.2016, 12:03
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Re: Excess insurance for rental cars

Does anyone have a recent update? We are looking specifically for SLI for a rental in Canada and the USA (this is third party liability insurance, not the same as excess insurance or CDW/LDW which only covers damage to the rented car). All of the companies mentioned above either no longer offer SLI or don't offer insurance to Swiss residents any more.
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  #34  
Old 27.12.2016, 13:27
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Re: Excess insurance for rental cars

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Does anyone have a recent update? We are looking specifically for SLI for a rental in Canada and the USA (this is third party liability insurance, not the same as excess insurance or CDW/LDW which only covers damage to the rented car). All of the companies mentioned above either no longer offer SLI or don't offer insurance to Swiss residents any more.
I just checked on the quester insruance website which I used in the past and indeed it looks like they don't offer SLI. How much does SLI cost in the US / Candada? Do you know? It could be that this added coverage is not that expensive or maybe not necessary at all if the rental company offers basic coverage up to $1 million for example.
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  #35  
Old 30.12.2016, 13:34
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Re: Excess insurance for rental cars

If you have a UBS credit card, CDW is covered for free.


As for personal liability, isn't this covered under your household (haftpflicht) insurance package?
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  #36  
Old 04.01.2017, 15:58
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Re: Excess insurance for rental cars

Did the same
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  #37  
Old 04.01.2017, 16:36
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Re: Excess insurance for rental cars

Just incase anyone still needs cover, we've got the Annual Deluxe policy for European inc. European home country (CH) with Worldwide Insure. It cost £47.50 for two people on the policy, cover is up to £50,000 excess, and we can both be the main driver on a car hire so I'm still covered even if my OH doesn't travel with me. Compared the the additional cover that car hire companies always try to flog you when you collect the car, it's a bargain.

https://www.worldwideinsure.com/car-hire-insurance.htm
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  #38  
Old 07.01.2017, 13:16
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Re: Excess insurance for rental cars

SLI is not included in any of the policies from the recent posters, as far as I can tell. And it's not covered by any travel insurance I've seen (personal liability usually has an exclusion that operation of a motor vehicle is not included) nor, so far as I am aware, by household liability insurance for the same reason.

As far as we're concerned though, it seems that since we are renting a car in Canada, it comes with some basic level of SLI (the same is true in some, but not many, US states, which makes the whole deal much more complicated).
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  #39  
Old 11.01.2017, 18:15
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Re: Excess insurance for rental cars

BetterSafe seems to have a policy which includes CDW & SLI. There is also a summary of some options here.

No endorsement implied - I'm shopping around for something also.
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  #40  
Old 11.01.2017, 18:24
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Re: Excess insurance for rental cars

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BetterSafe seems to have a policy which includes CDW & SLI.
Cancel that - despite what it says on the summary site, the FAQ on Bettersafe rules out non-UK residents: "No, unfortunately you can only buy Bettersafe’s Car Hire Excess insurance if you are a permanent UK resident."


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There is also a summary of some options here.

No endorsement implied - I'm shopping around for something also.
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