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Car Hire Excess

  • 03-03-2013 8:54pm
    #1
    Officer Giggles
    Registered Users, Registered Users 2 Posts: 1,681 ✭✭✭


    I am looking at getting Car Hire Excess Insurance with Blue Insurance for a trip to the US. There's an option for Supplemental Liability Insurance. Do I need to get this as well or is that going over board.

    Cheers


Comments

  • #2
    Marcusm
    Registered Users, Registered Users 2 Posts: 10,633 ✭✭✭✭Marcusm


    Officer Giggles wrote: »
    I am looking at getting Car Hire Excess Insurance with Blue Insurance for a trip to the US. There's an option for Supplemental Liability Insurance. Do I need to get this as well or is that going over board.

    Cheers

    check which state you're hiring from, they have different rules. Some (incl I think NY) cannot have a CDW excess. The Suppm Liab is for third party claims - most hire car insurances have limits on those.


  • #3
    Officer Giggles
    Registered Users, Registered Users 2 Posts: 1,681 ✭✭✭Officer Giggles


    this is written in the T&C for the car rental

    "Insurance Coverage
    Collision damage waiver (CDW): (Includes Tax); Excess 0 USD
    Theft waiver (TW): (Includes Tax); Excess 0 USD
    Third party liability protection (TP): (Includes Tax)"

    Does that mean I don't need the supplemental insurance


  • #4
    Officer Giggles
    Registered Users, Registered Users 2 Posts: 1,681 ✭✭✭Officer Giggles


    The T&C's also state

    "If you purchase the Excess Cover Insurance from a third party, the credit card holder will be required to present his/ her credit card at the rental desk in order for the car rental agent to authorize the deposit."

    Does this mean I'm gonna have to have a load of money on my card that I won't be allowed touch


  • #5
    Marcusm
    Registered Users, Registered Users 2 Posts: 10,633 ✭✭✭✭Marcusm


    Officer Giggles wrote: »
    this is written in the T&C for the car rental

    "Insurance Coverage
    Collision damage waiver (CDW): (Includes Tax); Excess 0 USD
    Theft waiver (TW): (Includes Tax); Excess 0 USD
    Third party liability protection (TP): (Includes Tax)"

    Does that mean I don't need the supplemental insurance

    Establoish what the third party liability limit is and see if you are comfortable with it. If it is particularly low and you are reasonably rich (such that someone might sue you in excess of the policy) then consider buying it.
    Officer Giggles wrote: »
    The T&C's also state

    "If you purchase the Excess Cover Insurance from a third party, the credit card holder will be required to present his/ her credit card at the rental desk in order for the car rental agent to authorize the deposit."

    Does this mean I'm gonna have to have a load of money on my card that I won't be allowed touch

    I would not have thought that they would put a hold on the card if the CDW was nil but I can't confirm - only they can.


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