Am I Covered by My Car Insurance When I Hire a Car?

Car InsuranceThere are so many reasons why hiring a car from Collison is an excellent idea. As well as giving you the freedom of movement to enjoy holidays, move house and put your best face forward at special occasions, hiring a car provides an economical and comfortable way of getting from A to B in comparison to the cost of purchasing and running a vehicle of your own. Whatever your reason for hiring with us, there are a number of legal obligations that must be fulfilled as the driver of a hire vehicle. You still need car insurance in place to cover any expenses incurred in the event of an accident for instance.

Ensuring you have such cover and any necessary additional protection is vital when safeguarding you, your passengers, pedestrians and other road users. Read on to discover how to get the right insurance cover when hiring a car.

Doesn’t my current policy cover me to drive any car?

It’s a common misconception that any car insurance policy lets you drive not just your own but any vehicle. It did used to be the case that most comprehensive car insurance policies provided the third party cover drivers needed to drive cars owned by other people or companies. These days however this is not the case. The vast majority of comprehensive policies do not provide the advantage of driving other cars without a catch. For the policies that do offer this benefit, drivers must notify their provider, request third party cover to drive other cars and pay extra for it or face breaking the law and invalidating their insurance. These days the comprehensive car insurance you have as a vehicle owner only tends to cover you to drive the car listed on the policy.

Does that mean I have to pay extra for insurance?

If you are looking to hire a vehicle but don’t have the necessary vehicle insurance in place, don’t worry! The rental quotation provided by our team takes into account all your safety and legal requirements, and that includes your car insurance cover. The quote we provide is the cost of hire, insurance, breakdown cover and VAT. The car insurance offered with your quote is the standard Collision Damage Waiver (CDW) cover. This type of insurance covers you for almost every eventuality with an excess of £1,000. You can choose to pay extra for excess protection insurance, chargeable as a small daily fee, to reduce or eliminate this excess.

Your quote provides essential cover for you and the vehicle for the duration of your hire period, meaning you don’t have to pay any more than this to drive away and enjoy your rental.

Are you sure there’s nothing more I need?

Our transparent service means the price we quote is the price you pay, but we understand that sometimes you want the extras that make renting a vehicle even more convenient for you. You can choose to purchase a wide range of extra items throughout your hire period. If you’re looking to share the burden of driving with another person in your party for instance, you can buy insurance for additional drivers direct from us. Families will also delight at the selection of child friendly extras available, including children’s car and booster seats.

Need additional tech to get you to your destination? We also hire satellite navigation systems across our vehicle range meaning you can find your way from A to B in the most convenient and stress-free way possible.

Vehicle delivery and collection outside of the area is available at extra cost too. Whilst those looking for assistance completing the paperwork that’s relevant to the hire, including proving your eligibility to drive with the DVLA, will find the support required.

For further information on our vehicle rental service and the wider hire process, please don’t hesitate to contact our team direct.