van hire insurance

minibus hire insurance

guides for driving abroad
advice on car / van rental

collision damage waiver /cdw

travel insurance
temporary car / van insurance

media / press


self drive hire vehicle company rental insurance

privacy policy/cookies

car club insurance


Topics on car hire rental:

Confusion over US Car Hire Insurance could cost winter sun seekers to the US dear - Press Release .... Wednesday, 18 October 2011

An estimated 440,000 Brits(A) will be heading to Florida for some winter sun this year, many of whom will be hiring a car but different rules governing insurance between the EU and the USA is leaving UK travellers worryingly exposed to open ended liability bills.

Over half of UK consumers have experience of renting a car, but most of these have rented in Europe where EU legislation requires that third party liability insurance is included in the price of the rental. In the US there is no statutory obligation to provide insurance to someone renting a car to cover the damage to the vehicle (known as a Collision Damage Waiver (CDW) and a Loss Damage Waiver).

1.4 million Brits(B), a third of all British visitors(C), rented a car in the US in 2010, but a recent survey by and conducted by YouGov, shows high levels of ignorance about car hire insurance. Three quarters (75%) of British people(D) didn't know that you need to have CDW and SLI (Supplemental Liability Insurance) when renting in the USA or risk being responsible for the full cost of the vehicle if it's damaged in an accident, or risk a six figure claim for compensation if there is death or injury to a third party in an accident.

Some rental companies include these 'waivers' in the rental whilst others charge up to US$26 / day at the rental desk for this cover. If a waiver isn't in place then the customer potentially leaves themselves liable for the entire value of the car, plus any towing charges and administrative charges that the rental company may be exposed to in the event of an accident. What's more, this liability can exist whether or not the accident that causes the damage is your fault or not.

"You need the abilities of a code-breaker at Bletchley to understand car hire rental in the US and Canada," said Ernesto Suarez, founder and CEO of "However ignorance is not an option when the potential cost for a typical mid-size car if written off is US$30,000.00!"

More worrying still is liability cover. Most states require some liability cover to be provided, others do not require it at all and rental companies will change their practises depending on the state in which they are renting. State minimum liability levels are typically pretty low, so most companies will offer to sell Supplemental Liability Insurance (SLI and ALI) at the rental desk.

Again this can cost up to $20 per day, but will increase the level of cover that you have to $1,000,000. Without liability insurance, travellers leave themselves exposed to huge personal liability claims for any injuries they may cause as a result of an accident in their hire car.

There are even differences using the same company. For example, if you book a car using the AVIS UK site, most insurances are included with your rental, but if you do it through their US site, you often get a price without the insurance.

The same is the case for Hertz, where-as Enterprise generally doesn't include the insurances when booking even on their UK site, leaving customers to either pay more at the rental desk, or find one of the lower cost stand-alone insurance options available online.

These changes of policy even within the same company makes it increasingly difficult for customers to easily understand what is included in their rental and what is not and the process of shopping around for the best rental deal can easily lead customers to assume that they are booking an all-inclusive price when in fact no insurance is being provided at all.

"With the risks from inadequate insurance so high, we strongly recommend that travellers buy a stand-alone car hire insurance policy from before they fly," said Ernesto Suarez, founder and CEO. "They can then enjoy absolute peace of mind that whoever the rental company is, whatever state they're driving in and whichever website they used to book their US or Canada hire car, they are covered".

An policy for the US and Canada is from GBP 6.99 daily and provides up to $100,000 protection for collision damage waiver, up to $1,000,000 liability protection and a zero excess policy, meaning that there is no need to purchase any additional insurance at the rental car pick-up point. It also offers more security, than most policies on offer at the rental desk, with cover for Road Rage, Carjacking, Travel Expenses, Hotel Expenses and 60 days continuous cover.

Notes on references used...

(A) Visit Florida Research

(B) 2010 Sector Profile: Rental Car - Office of Travel and Tourism Industries car-profile.pdf

(C) US Department of Commerce: Office of Travel and Tourism Industries. 2010 Market Profile: United Kingdom PDF

(D) The Survey: The research was undertaken for by YouGov Plc. Total sample size was 2007 adults, of which 1103 had hired a car. Fieldwork was undertaken between 1 - 4 April 2011. The survey was carried out online. The figures have been weighted and are representative of all GB adults (aged 18+).

Source: Halo Insurance

Bookmark and Share

To find out more about Click on the logo below

Return to Car Hire Excess Blog Notes Info


See also:

Driving in the USA

More Car Hire Excess Insurance Confusion - October 2013

Hire Cars Costing Around 100% More Again With Extras at the Car Rental Desk - October 2013

Unrecorded Damage Found by One in Three Who Have Hired a Car for Business - September 2013

Van hire customers are warned that they risk up to £1000 if the vehicle is damaged - April 2013

icarhireinsurance points out possible extra car hire charges over Easter 2013 - "Car Hire Hot Spots Over Easter" - March 2013

iCarhireinsurance mentioned in Daily Telegraph Car hire on a Skiing Holiday feature today - January 2013

Do you know that Extras at the Car Rental Desk Can Double Cost of Car Hire for Families - October 2012

Did you know that you can buy carhire excess insurance for a week for the equivalent of one week's pension? - October 2012

Car Hire Excess Costs Consfuses Consumers - June 2012

Jubilee 'DIY' weekend could be a costly exercise for some if they hire a van - May 2012

Your car hire bill could rise by 75% as a result of a hidden cost - March 2012

Save money on car hire excess insurance and take a winter break - January 2012

iCarhireinsurance comes up with New Year Tips to stop car renters being ripped off - January 2012

Don't Lose Your Christmas Cheer with the Hire Car says - December 2011

Dubious Dublin airport car rental staff - November 2011 in finalists for Startup Awards 2011 - November 2011

Confusion over US Car Hire Insurance Could Cost Winter Sun Seekers Dear - iCarhireinsurance - October 2011

Hiring a van to transport student's stuff to Uni? - September 2011

UK Holidaymakers Find Foreign Drivers Very Aggressive - August 2011

Car hire insurance featured on BBC Radio 4 You and Yours - July 2011

Car Hire Drivers in a Spin About Car Hire Insurance - iCarhireinsurance - June 2011

"Which?" launch super complaint against “rip-off credit card charges” - April 2011

Van hire insurance company research reveals that drivers lack experience driving rental vans - April 2011

Affordable Car Hire teams up with Halo Insurance - March 2011

Halo Insurance partners with Chubb in Germany - February 2011

Excess Insurance @ iCarhireinsurance

Jargon Buster @ iCarhireinsurance

Hot Tips for iCarhireinsurance appoints Ben Wooltorton as Sales and Marketing Director - January 2011

Van hire excess insurance for only £7.99 a day available from iCarhireinsurance - December 2010

Top Tips for Car Hire This Summer - - July 2010

Over £800M Wasted on Over-Priced Hire Car Insurance Policies iCarhireinsurance Press Release June 10

Hire Car Drivers Urged to Take Out Insurance With Cancellation Cover - May 2010 van hire excess insurance now being promoted at December 2010 Press Release is featured insurance provider - December 2010 awarded membership of the BVRLA

Car Hire drivers warned to check their insurance this Christmas - iCarhireinsurance - December 2010

Check online car hire alternatives - May 2010 been awarded membership of ABTA Trade Industry Partner Scheme - May 2010 in The Guardian and Independent on Sunday - March 2010 being marketed on the website Press Release - March 2010

Bridges Ventures and Magenta Partners launch Halo Insurance Services - March 2010

What is Car Rental Insurance @ iCarhireinsurance

Return to Car Hire Excess Blog Notes Info

Back to top


The jml Insurance website advertises and introduces you to many insurance products. To enter this site click on logo below

Back to top


Car hire Excess Insurance Blog


Return to Car Hire Excess Blog Notes Info



Guides on driving abroad Click on an area below

Driving in Australia | Driving in Canada | Driving in New Zealand |Driving in the USA |Driving in Europe (with detailed country guides)| Driving in South Africa

site search by freefind advanced

Car Hire Excess Insurance Providers

Van Hire Excess Insurance Providers

Motorhome / Camper van Excess Insurance Providers

Minibus Hire Excess Insurance Providers

Car Hire Excess Blog Notes Info

Media / Press Releases

Self drive hire vehicle company rental insurance

Travel Insurance

Lifestyle excess insurance

Overseas Property Insurance

A -Z of car hire and van hire excess insurance service providers offering car hire excess insurance on the internet






Find us at | | |

© 2009-2022 jml Property Services - All rights reserved