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Old 01.01.2019, 20:02
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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!
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Old 01.01.2019, 20:50
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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.
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Old 01.01.2019, 22:24
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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??
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Old 01.01.2019, 23:36
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Re: Rental car liability excess

Visa Platinum credit cards have that liability excess included.
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Old 16.01.2019, 17:25
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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.
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Old 16.01.2019, 20:43
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Re: Rental car liability excess

You can pay Mobility by credit card, there's an option somewhere.
 




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