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    UK Car Rental Insurance Coverage

    UK Car Rental InsuranceIf you’re wondering about supplemental UK car rental insurance coverage, you’re not alone. Most travelers who rent a car in the UK are confused by the options, and many travelers assume that supplemental insurance coverage is a scam and a waste of money. As specialists with over 60 years of experience in the European rental car marketplace, Auto Europe is happy to explain what is required, what options you can add-on to your rental car booking in the UK, and why you might choose to upgrade.

    UK Car Rental Insurance Requirements

    To begin with, it’s important to be aware that any traveler renting a car in the UK is required by law to carry unlimited third party liability insurance coverage. No matter where you book  your rental, you’ll be required to pay this insurance fee, so Auto Europe includes this cost in the per-day rate of all UK car rentals booked online or over the phone. Transparent pricing is important to travelers, and it’s important to us too.

    This Third-Party Liability insurance covers you in the event that any object or person is damaged, injured, or killed while driving your rental car in the UK. It does not cover you for damage to your rental car, which is why many travelers choose to purchase supplemental insurance coverage.

    Supplemental UK Rental Car Insurance Options

    Supplemental car rental insurance in the UK can be purchased in advance, when booking your car with Auto Europe, or at the counter, when picking up your vehicle in the United Kingdom. CDW (Collision Damage Waiver) insurance coverage reduces your deductible (the amount of money you will be required to pay) should you be involved in an accident while driving your rental car in the UK. Theft Protection (TP) is also included in most supplemental coverage options in the UK. It’s important to think about your trip, your finances, and to realize that supplemental coverage is not a scam. It’s a way to protect yourself and your bank account should the unthinkable happen. For a few extra dollars a day, you can reduce the amount of money you owe should your rental car be involved in an accident.

    Auto Europe recommends purchasing supplemental car rental insurance in the UK, and we typically encourage our clients to purchase coverage in advance, at the time of the booking. We’ve found this is a good way to save money, because supplemental coverage tends to be more expensive when you add it at the counter when picking up your car. At that point, the local rental car company is your only choice, and as a result they charge more.

    How Much Can You Save with Auto Europe?

    There are two ways that Auto Europe can save you money on supplemental UK rental car insurance coverage: First, we typically offer the cheapest per-day rate available, reducing the up-front cost of insurance. Second, we can reduce the cost of your deductible to zero, should you be involved in an accident while driving in the UK. Here’s a side-by-side comparison between what drivers typically pay for supplemental rental car insurance in the UK with Auto Europe, vs. paying for coverage at the counter in the United Kingdom.

    Optional Insurance Avg. Insurance Cost at Counter* Avg. Insurance Deductible at Counter* Avg. Cost for Zero-Excess Insurance with Auto Europe* Cost of Deductible with Zero-Excess from Auto Europe*
    Collision Damage Waiver (CDW) + Theft Protection (TP) $25-$73 CAD per day $1,379-$3,430 CAD $18-$34 USD per day $0 USD

    *Auto Europe averages are based on CDW+TP insurance costs for a 3-day rental of an economy, compact, mid-size or full-size car class. The UK car rental insurance rates listed here are estimates and are subject to change without notice. For the most up-to-date pricing information we encourage you to request a free online quote via our booking engine or invite you to call Auto Europe toll-free at 1-888-223-5555 to speak with a UK car rental specialist. As you can see, our zero-excess option is very attractive in terms of its low per-day rate, and in reducing your financial risk to zero in the event of a collision or vehicle theft while driving in the UK.

    More Info. about Auto Europe’s UK Rental Car Insurance Options

    If you choose to purchase supplemental car rental insurance for your trip to the United Kingdom, Auto Europe’s most popular options include:

    Zero-Excess/Deductible Coverage: While this is our most expensive option, it’s the best coverage available. Should you or your rental car be involved in an accident, you won’t have to pay anything out-of-pocket, and you’ll be fully covered for damage. The same is true should your rental car be stolen.  Learn More

    Refundable Deductible Coverage: An excellent option which is typically a bit cheaper than zero-excess, Auto Europe’s refundable deductible coverage entitles drivers to a partial or full refund of any deductible paid in the UK following a collision or theft of your rental car. You must retain all documentation (police report, rental agreement, etc.), and once you provide that to Auto Europe after the fact, we will issue you a refund of the deductible you paid. This option is less-expensive in terms of per-day cost, and drivers are still responsible for paying their deductible out-of-pocket while in the United Kingdom, but if you have the financial wherewithal to cover that expense, and don’t mind waiting until your paperwork is processed to receive your deductible refund, this is an excellent choice for supplemental coverage.  Learn More

    One final insurance coverage option to consider purchasing is Personal Accident Insurance (PAI), which can be bought at the rental car desk for a few dollars a day. If you purchase PAI, you can rest easy knowing that if you or any passengers are injured while driving your rental car in the UK, all of your medical expenses will be covered.

    Why Would You Decline UK Car Rental Insurance?

    The reasons for declining supplemental coverage vary, but if cost is the only reason, we urge you to consider Auto Europe’s affordable options. The cost of not having supplemental rental car insurance in the UK is often significant.Call Auto Europe to Learn More About Car Rental Insurance in the UKSome drivers decline insurance when booking their car because they believe they have credit card car rental insurance coverage, or that their personal auto insurance policy covers them when renting a car. While either may be true, Auto Europe strongly urges our clients to call their credit card company or auto insurance company to get the details of their coverage. We’ve seen clients who believed they were covered discover that their private policy didn’t apply because they were renting a car long term, or because the value of the car they rented exceeded their coverage limit.

    If you have any questions about optional car rental insurance in the UK, or your credit card or personal auto policies, please call our team of specialists toll-free, 24/7 at 1-888-223-5555. With over 60 years of experience, we are committed to helping you get the coverage you want at the lowest possible rate.