By Nancy Parode. Whether or not you need to purchase collision damage waiver coverage depends on your rental car needs, location and payment method. When rental car company customer service representatives ask you to purchase Collision Damage Waiver CDW or Loss Damage Waiver LDW coverage, they are asking you to pay a certain amount per day in return for a lower deductible payment if the rental car is damaged or stolen. The amount you pay varies by location and type of rental car. In some countries, such as Ireland, you may be required to purchase CDW coverage or provide proof of alternative, equivalent coverage in order to rent a car at all. Buying CDW coverage can save you money if your rental car is damaged. If you do not purchase Collision Damage Waiver coverage and something happens to your rental car, you could end up paying the rental car company a lot of money.
In the event of an accident, the driver is charged an amount of money to cover part of the damage estimates.
This is your excess amount. When you choose a Zero Excess or Zero Deductible rate, you remove the excess you'd be responsible for in the event of an accident. Look for vehicles listed with a "No Deductible Rate" pictured above and enjoy renting a car with CDW and TP insurance; with no deductibles to pay in the event of a collision.
Car rental insurance deductible
CDW covers most of the car if you're in a collision, but may exclude the side mirrors, undercarriage, roof, wheels, windshield, windows, and interior depending on the supplier.
It's wise to carefully read the terms and conditions for your individual rental supplier so you don't have any surprises if an accident occurs.
An extended coverage insurance option is available from some suppliers to continue your zero deductible coverage to the glass, interior, chassis, tires, and roof. If you don't see the type of coverage you wanted listed in the search results, give our specialists a call at and we will make sure you get the level of coverage you're most comfortable with. Common Question: What do I do if the local supplier representative insists that I purchase their additional insurance when I have already obtained an Auto Europe excess protection product?
Best Answer: If you're ever in doubt about whether or not you should or shouldn't pay charges requested at the pick-up counter call our agents. Save Time When booking your car rental online, you can save time by also booking and paying for our products like zero excess coverage. This way you will not have to worry about the additional coverage anymore, nor will you have to check whether it is offered by the local car rental company, or pay for the service locally.
Save Money Even when the local company does offer additional types of coverage, Auto Europe's products are usually significantly cheaper than those locally offered packages. Book your coverage when you book your car and you can save some serious money.
Hire car insurance works quite differently from the insurance you'll have on to pay is a maximum called the 'excess' (in the USA, it's called the 'deductible'). Save 50% On Rental Car Insurance. Get complete protection for your rental car. No hidden fees. $0 deductible excess. Insurance available worldwide. Get Your. Learn more about rental car insurance, rental car liability and how a rental companyaˆ™s coverage differs from the coverage on your personal auto policy.
Any local car rental company's employees are usually trusted with sales, so they will probably try to sell various company products to customers. With a few exceptions, all insurance products offered locally will be optional.
If the offered product is said to remove the excess, it will probably not be needed in addition to the excess coverage you've purchased in advance from Auto Europe.
How does insurance work when you rent a car?
The car rental company may offer insurance covering the car parts not normally covered by the basic package included in Auto Europe's rates. Should this be the case, it is entirely up to you to decide whether they want to buy this additional insurance if you have not already.
Damage waiver or, as it is often referred to, collision damage waiver (CDW) or loss damage waiver (LDW), is optional damage insurance coverage that is available to you when you rent a car. In other words, you can protect yourself in the event that your auto insurance deductible ends up being more expensive than rental car. You want to be protected, but there's no sense in paying extra for coverage you already have. We'll explain the different types of rental car insurance and tell you .
Please bear in mind, Auto Europe's Super Cover already covers these items, which is why we highly recommend this product for added peace of mind during your upcoming trip.
If you have additional questions about Auto Europe's Zero Excess or Super Cover products please don't hesitate to call our friendly, experienced reservation agents toll-free at We look forward to offering you a smooth, stress-free rental experience. Have a great trip! You are using a web browser we don't support.
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Can you use credit card insurance to cover your hire car? Many US credit cards provide some car hire insurance. What about additional insurance or cover you can buy?Rental Car Insurance: Do I Need It? (May 31, 2017)
What types of cover are offered at the rental counter? Personal Accident Insurance PAI This helps you pay hospital fees if you or any passengers in the hire car are injured.
The Four Types of Rental Car Insurance, Explained
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Here are the typical insurance options from rental car companies, along with how to determine if you already have coverage within your own.
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“I'm interested in finding a complete bumper-to-bumper, 'drop off the keys at the counter' car rental coverage when I travel. I recently thought I. Collision (CDW) and theft protection (TP) insurance adds peace of mind to any Auto Europe car rental. In most countries, Auto Europe offers Zero-Excess Insurance options for nearly all size rental cars. CDW, Theft Protection, Zero Excess & Super Cover Insurance Explained. Should you pay for Collision Damage Waiver (CDW) coverage when you rent a car? Learn more about CDW coverage and explore CDW.
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