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  #41  
Old 11.01.2017, 18:28
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Re: Excess insurance for rental cars

I had to look up SLI, Supplemental Liability Insurance (SLI) – a product often sold in the USA which provides coverage in the event of an accident causing bodily injury or property damage to someone other than the renter and passengers.

Doesn't ordinary third party liability cover this? It is compulsory in Europe.
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  #42  
Old 15.02.2017, 00:00
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Re: Excess insurance for rental cars

Just an update in case anyone else is looking for rental car third party liability insurance.

It seems to be offered by www.erv.ch, though it's not particularly cheap at CHF14 per day.

To answer previous posts: no, your standard third party liability almost certainly doesn't cover you for rental cars. The "ordinary" third party liability that comes with a car depends highly on the country (e.g. in the USA it can be very poor). Many European brokers include third party liability in their rates, but buy direct from the rental firm and it might not.
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  #43  
Old 19.02.2018, 00:43
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Re: Excess insurance for rental cars

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Just an update in case anyone else is looking for rental car third party liability insurance.

It seems to be offered by www.erv.ch, though it's not particularly cheap at CHF14 per day.
In case you're still interested, it looks like this company has a CDW+SLI package:
http://www.insurance4carhire.com/usa...cess-insurance

P.S. Never mind - this is only for residents of UK and a few other counties, Switzerland not on the list.

Last edited by 2x2; 19.02.2018 at 01:06.
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  #44  
Old 26.03.2018, 16:28
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Re: Excess insurance for rental cars

I was also looking for this sort of thing. My swiss insurance broker was scratching his head a lot when I explained what I meant and could not get it in the end anyway )

In the UK I was with Questor for a long time, but they introduced a lot of weird restrictions which are designed to catch you out e.g. 0-60 time limitation (only reasonably fast cars are covered) and total value of the car which you will have to prove is below a certain amount.

My friend scratched a rental XV90 from Hertz and Questor did not pay because they needed an original repair report. Hertz did not immediately repair - I don't this they were planning to anyway, so the report was not available.

After that no more Questor for me!!!
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  #45  
Old 26.03.2018, 18:00
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Re: Excess insurance for rental cars

Worldwide are offering policies for Switzerland again, so this may be the company to look to for your next policy.

Just as an aside, I've just saved approx. 60 % on an Easter car hire booking for the UK just by splitting the booking. The total quoted for a Corsa on a 15 day hire beginning on Good Friday, was £588.68.
As we will be visiting family who live close to the airport, I've split the booking into 30 March 4 days and 3 April 11 days, and split across the company that quoted for 15 days and it's subsiduary (which I've used many times before).

After cashback via Topcashback, the total cost is now £234.23, If anyone else wants to try this with a future booking, and it wouldn't be too much hassle to change the cars over, it looks like the 'sweet spot' for a change over is Tuesdays.
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  #46  
Old 26.03.2018, 18:05
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Re: Excess insurance for rental cars

Cheers for the insight Blueangel!

Does anyone have a reference code for Worldwide? The one quoted in earlier pages does not work any more.
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  #47  
Old 26.03.2018, 19:00
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Re: Excess insurance for rental cars

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Worldwide are offering policies for Switzerland again, so this may be the company to look to for your next policy.

Just as an aside, I've just saved approx. 60 % on an Easter car hire booking for the UK just by splitting the booking. The total quoted for a Corsa on a 15 day hire beginning on Good Friday, was £588.68.
As we will be visiting family who live close to the airport, I've split the booking into 30 March 4 days and 3 April 11 days, and split across the company that quoted for 15 days and it's subsiduary (which I've used many times before).

After cashback via Topcashback, the total cost is now £234.23, If anyone else wants to try this with a future booking, and it wouldn't be too much hassle to change the cars over, it looks like the 'sweet spot' for a change over is Tuesdays.
Wow that's Swiss prices to rent in the UK, I usually pay less than £10 a day.
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  #48  
Old 26.03.2018, 19:08
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Re: Excess insurance for rental cars

It's a short notice booking, over Easter and there's a couple of companies that I refuse to use at that particular location, namely Green Motion, Easirent and Interrent. Once bitten... The company I've booked gave me a brand new Corsa in January, with only 6 miles on the clock, but most importantly, they didn't give me a single moment of hassle.
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  #49  
Old 26.03.2018, 19:08
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Re: Excess insurance for rental cars

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Just as an aside, I've just saved approx. 60 % on an Easter car hire booking for the UK just by splitting the booking.
I always play some with dates, last time it was cheaper to rent the exact same car at the same company 8 days instead of the 6 days I needed it, cheap extra day of shopping in Germany
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  #50  
Old 29.05.2018, 21:25
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Re: Excess insurance for rental cars

I can recommend WorldWideInsure too. I had a policy with them till earlier this year. In an incident last year, they were very prompt in settling the claim. The ungrateful **** that i am i still didn't renew with them because my Annual Travel insurance policy from Zurich seems to cover the deductible as well.
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  #51  
Old 06.07.2018, 13:57
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Re: Excess insurance for rental cars

I use this company:

https://www.icarhireinsurance.com

for what they call excess insurance which I understand to be like a bumper to bumper or comprehensive (cdw) coverage over and above the regulated minimum insurance for accidents that comes with all car rental contracts.

After reading the thread, I'm confused whether this is true for CH or not. Does anyone know what exactly comes with standard rentals and what it is they are always trying to get you to pay for that usually doubles the daily cost of rental?
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  #52  
Old 06.07.2018, 15:42
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Re: Excess insurance for rental cars

I think this type of insurance makes most sense when renting some more exotic cars. e.g. renting a porsche 911 for a weekend is less than 1K, but the excess is 5'000CHF. And the 5K risk of wrecking a powerful sports car on a fun weekend drive is well worth the 10 franks for such an insurance IMHO.

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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??

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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  #53  
Old 11.06.2019, 15:43
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Re: Excess insurance for rental cars

Wondering if there are updates on this subject, is WorldwideInsure still the "Forum's choice"? Any one with more recent claims with them?
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  #54  
Old 14.06.2019, 11:38
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Re: Excess insurance for rental cars

I've used Questor for 4 years. Although I've never claimed I'm confident they're ok, the price is good (€65.10 worldwide), see independent review here:
https://www.trustpilot.com/review/ww...nsurance.co.uk
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  #55  
Old 14.06.2019, 14:27
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Re: Excess insurance for rental cars

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Wondering if there are updates on this subject, is WorldwideInsure still the "Forum's choice"? Any one with more recent claims with them?
I have a UBS gold credit card, so stopped using WorldwideInsure. But not had a claim yet.
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  #56  
Old 14.06.2019, 17:07
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Re: Excess insurance for rental cars

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I've used Questor for 4 years. Although I've never claimed I'm confident they're ok, the price is good (€65.10 worldwide), see independent review here:
https://www.trustpilot.com/review/ww...nsurance.co.uk
I guess they don’t offer it for people living in Switzerland, not anymore. Switzerland is not among the list of countries in their drop down menu.
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  #57  
Old 14.06.2019, 17:14
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Re: Excess insurance for rental cars

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I have a UBS gold credit card, so stopped using WorldwideInsure. But not had a claim yet.
I was wondering, UBS only covers CDW, for the price difference one need to pay (to upgrade from classic to gold cc, CHF 50?) While a policy with worldinsure would cost ca. CHF 70 and covers many other things beside CDW, so a better deal in my eyes. But if CDW is the thing then obviously a gold cc is better ( one less policy to sign and keep track of) 😊
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  #58  
Old 14.06.2019, 19:00
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Re: Excess insurance for rental cars

Hey guys! An awesome update on the subject!

Just got myself a travel insurance from Zurich, which is tremendous value.

You get the normal travel insurance stuff like cover for delayed/cancelled flights, lost or delayed luggage cancelled travel plans due to illness and other things etc; you get health cover which admittedly is weird because everyone is covered for travel with their swiss health insurance anyway, but most notably and amazingly it includes the Excess cover for rental vehicles.

My coverage for the entire family was just over 300 CHF per year, which is brilliant value.

In addition you get all the documentation in English.

Highly advised and hope this helps! Very happy I found this one.

Last edited by Kuzma; 14.06.2019 at 19:11.
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  #59  
Old 15.06.2019, 00:22
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Re: Excess insurance for rental cars

Quote:
You get the normal travel insurance stuff like cover for delayed/cancelled flights, lost or delayed luggage cancelled travel plans due to illness and other things etc; you get health cover which admittedly is weird because everyone is covered for travel with their swiss health insurance anyway, but most notably and amazingly it includes the Excess cover for rental vehicles.
You might want to check whether that really gives you medical cover, or only search and rescue cover.

As for the "good value" I suppose that depends what you're looking for. I recently paid GBP52 (currently CHF65) for an annual deluxe policy including 2 lead drivers from Worldwide Insure- no luggage or cancellation cover, but in terms of vehicle rental it covers damage to tyres, windscreen, undercarriage, lost keys and also loss of use charges, processing fees, etc. Since these might not be covered at all by many rental companies, technically there's no excess to pay and therefore you might not be covered by a general policy which only states "deductible reimbursement".
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  #60  
Old 15.06.2019, 11:46
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Re: Excess insurance for rental cars

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you get health cover which admittedly is weird because everyone is covered for travel with their swiss health insurance anyway, [..]
IIRC mandatory accident insurance won't pay for costs above twice what the same treatment would have cost in Switzerland. This threshold can be quite low if you need treatment in a country that relies on private health services. In many cases tourists will be transported to private facilities even if that's not necessary, just because they're assumed to be wealthy.
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