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-   -   Rental car liability excess (https://www.englishforum.ch/transportation-driving/288932-rental-car-liability-excess.html)

sezegnin 01.01.2019 20:02

Rental car liability excess
 
I have a policy with Questor UK that covers me for excess when renting, but only for damage to the hire car itself (specifically says it does not cover third party property claims). From what I can understand of the corresponding World Wide Insure policy, it also covers only excess defined as loss or damage to the rental vehicle only, not to third party cars. I don't own a car so don't have any other auto liability insurance.

I regularly rent with Mobility and Europcar in CH as well as Auto Europe around Europe. I understand I am covered by Questor in cases of damage to the car itself, but in case of an accident I would be liable for any damage to another car / lamppost etc. (up to 2500 or 300 per incident with Mobility, depending on whether you pay them 150/year for liability reduction, not sure for Europcar and Auto Europe).

Hence my questions:

1.Is there a reasonably priced way to insure myself against having to pay 300 per incident with Mobility in third party property liability?

2. Same question for Europcar/Auto Europe, without taking out their Super CDW at each rental (which would defeat the purpose of Questor's coverage)?

Thanks for any suggestions!

Troublawesome 01.01.2019 20:50

Re: Rental car liability excess
 
The UBS gold card has that included in the price, I claimed twice with no hassle.


Probably covers rentals though and not car sharing like Mobility.

John_H 01.01.2019 22:24

Re: Rental car liability excess
 
I have an annual travel insurance policy with Allianz which covers up to 10k collision damage waiver.. Plus 250k legal protection and unlimited breakdown.. As well as other usual travel insurance stuff..
At 300chf for the whole family it's not super cheap but it does cover quite a lot.

For 3rd party, I dunno, that would be a separate thing completely no? We all (don't we?) have 3rd party liability insurance but does it cover driving??

Brianzoeu 01.01.2019 23:36

Re: Rental car liability excess
 
Visa Platinum credit cards have that liability excess included.

sezegnin 16.01.2019 17:25

Re: Rental car liability excess
 
Thanks to all those who replied.

I've done some research in the meantime so posting a followup.

Credit cards eg. UBS gold card or travel insurance eg. Allianz Secure Trip are not relevant to this question as they provide CDW, which is only damage to the rental car itself, not liability damage to third party vehicles. (In addition, the credit card options probably don't apply in the first place as you can't pay your Mobility Carsharing invoice by credit card, as far as I am aware).

It seems there is no option to reduce the third party damage liability below 300 per incident (if you find one, please post it here!)

However, depending on your family size and situation, it seems you can save a bit on the annual fee by taking out Allianz's personal liability coverage with the Premium option to the Comfort plan, which covers Mobility and other car sharing schemes, instead of paying the 150 per person to Mobility for this coverage.

bugger 16.01.2019 20:43

Re: Rental car liability excess
 
You can pay Mobility by credit card, there's an option somewhere.

kilns 27.02.2020 09:49

Re: Rental car liability excess
 
Hi

Quick question I recently had a hire car and some damage to the vehicle, I paid the rental company for the amount claimed and then claimed the amount paid with Allianz through my UBS Gold Card cover. Allianz however wont pay out, the letter was a bit confusing as it said because I didnt take CDW cover with the car rental company they wont pay out but the reason I didnt take any CDW cover was because I was covered under this insurance. Confusing

NotAllThere 27.02.2020 10:17

Re: Rental car liability excess
 
Quote:

Originally Posted by kilns (Post 3151769)
Hi

Quick question I recently had a hire car and some damage to the vehicle, I paid the rental company for the amount claimed and then claimed the amount paid with Allianz through my UBS Gold Card cover. Allianz however wont pay out, the letter was a bit confusing as it said because I didnt take CDW cover with the car rental company they wont pay out but the reason I didnt take any CDW cover was because I was covered under this insurance. Confusing

The relevant part of the agreement (that you can see on UBS website) says:
Art. 5 Insured occurrences
The insurance covers the deductible that is incurred because of damage to or theft of a hire car while the rental agreement is in force. Prerequisite for the indemnification is an occurrence covered by another insurance and a deductible that results therefrom.
b) If the damages insured pursuant to Art. 5 a) do not reach the amount of the deductible, then AGA assumes the damages to the extent the occurrence is an insured event.
When I book a hire car, I'm used to seeing something like:
Price includes: Damage and collision protection (Excess to 1500,00 CHF)

My gold credit card covers that excess. If your hire didn't include any such insurance, then you're not covered. That's my guess.

AbFab 27.02.2020 10:27

Re: Rental car liability excess
 
Quote:

Originally Posted by kilns (Post 3151769)
Hi

Quick question I recently had a hire car and some damage to the vehicle, I paid the rental company for the amount claimed and then claimed the amount paid with Allianz through my UBS Gold Card cover. Allianz however wont pay out, the letter was a bit confusing as it said because I didnt take CDW cover with the car rental company they wont pay out but the reason I didnt take any CDW cover was because I was covered under this insurance. Confusing

You are correct! CDW is extra and your card should cover this. But the cover may be limited - for example not covering any non-bodywork damage or breakdowns.

My ZKB Goldcard (through Viseca) paid all of a CHF450 claim I made on an Australian rental (Europcar) last year. I specifically did not buy CDW as it was covered by my card.

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

"Our collision damage excess waiver fully covers the excess payable in the event of damage and theft. Thanks to Viseca, therefore, you never have to separately arrange an excess waiver."

kilns 27.02.2020 10:30

Re: Rental car liability excess
 
Quote:

Originally Posted by NotAllThere (Post 3151785)
The relevant part of the agreement (that you can see on UBS website) says:
Art. 5 Insured occurrences
The insurance covers the deductible that is incurred because of damage to or theft of a hire car while the rental agreement is in force. Prerequisite for the indemnification is an occurrence covered by another insurance and a deductible that results therefrom.
b) If the damages insured pursuant to Art. 5 a) do not reach the amount of the deductible, then AGA assumes the damages to the extent the occurrence is an insured event.
When I book a hire car, I'm used to seeing something like:
Price includes: Damage and collision protection (Excess to 1500,00 CHF)

My gold credit card covers that excess. If your hire didn't include any such insurance, then you're not covered. That's my guess.

Its quite confusing as I waived the CDW , I did as I believe the insurance covered me.

roegner 27.02.2020 10:34

Re: Rental car liability excess
 
Quote:

Originally Posted by kilns (Post 3151795)
Its quite confusing as I waived the CDW which Allianz said to me, I did as I believe the insurance covered me.

Can you show the clause that says that?

kilns 27.02.2020 10:36

Re: Rental car liability excess
 
Quote:

Originally Posted by roegner (Post 3151797)
Can you show the clause that says that?

I presumed Car rental excess insurance covers CDW? Prehaps I was wrong

roegner 27.02.2020 10:42

Re: Rental car liability excess
 
Quote:

Originally Posted by kilns (Post 3151798)
I presumed Car rental excess insurance covers CDW? Prehaps I was wrong

Afaik you need to have some coverage to be able to claim the excess (excess means there is a basic coverage, imho)

kilns 27.02.2020 10:47

Re: Rental car liability excess
 
Quote:

Originally Posted by roegner (Post 3151801)
Afaik you need to have some coverage to be able to claim the excess (excess means there is a basic coverage, imho)

So basically you have to take their cover whether it is CHF750 or CHF 1500 excess and then they would pay out but not taking any of their coverage means you cannot claim

roegner 27.02.2020 10:48

Re: Rental car liability excess
 
Read the clauses in your CC contract. Yes, normally you would have to have some sort of coverage and your CC would take care of the excess. I do not think that it covers all insurance.

kilns 27.02.2020 10:54

Re: Rental car liability excess
 
Quote:

Originally Posted by roegner (Post 3151807)
Read the clauses in your CC contract. Yes, normally you would have to have some sort of coverage and your CC would take care of the excess. I do not think that it covers all insurance.

so this clause below would be the killer

Prerequisite for the indemnification is an occurrence covered by another insurance and a deductible that results therefrom.

ormesome 27.02.2020 13:37

Re: Rental car liability excess
 
To be honest, these days the cover is so cheap with rental companies that I just go for it. It’s around 5euros per day, the last time I hired a car was at Xmas and I got a free upgrade. My tactic is to always hire the cheapest car hire, then go to the desk and ask that if I pay for the zero deposit and claim cover, if I can have a free upgrade. Never been turned down and rate is always less than what I would have paid in advance for the upgrade. I don’t like the whole paying out a deposit and then be at the mercy of rental companies. Iv been stung in the past and not had good experiences. Iv done above tactic for about 3yrs now and not had any problems.

Landers 27.02.2020 14:13

Re: Rental car liability excess
 
CDW is a waiver from the rental company to charge you for damage, save for a self-pay part they call an 'excess'.
Collision Damage Waiver (excess) insurance will insure you for this excess only, usually leaving you with nothing at all to pay in the case of damage.
In Europe CDW is usually included as few if any people have insurance that would already cover the car for damage.
In some places like the US, it's not unusual for people to have this coverage therefor it is possible there to rent a car without taking the renter's CDW. When you're looking at renting in the US it's usually safer to book through a european broker website where it's clear what is included.

kilns 27.02.2020 17:46

Re: Rental car liability excess
 
The problem it seems that the cover you get from Allianz with the UBS Gold card only covers the excess on the CDW when you take it.

I used to always have my insurance on yearly subscription that would cover absolutely everything related to CDW, it seems I misread what Allianz offer, which to be honest is not much and I will get my own insurance again

3Wishes 27.02.2020 18:02

Re: Rental car liability excess
 
Keep in mind that taking the rental company's cover doesn't mean you won't pay anything in the event of damage. It's quite common to also pay an administrative fee if there's damage that needs to be dealt with. Read the fine print. ;)


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