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Rental Car Insurance Advice

Travel Forums Europe Rental Car Insurance Advice

1. Posted by optiker (Budding Member 7 posts) 11y

optiker has indicated that this thread is about Scotland

I'm from the USA. Will be flying into Glasgow the first week in June and renting a car - preliminary look suggests it will probably be Hertz. Will be staying in a cottage near Brechin for a week, then still looking around for possibilities for another couple of nights in central Scotland before returnnig home.

Question...since rental car companies (at least in the US) like to push optional insurance, what insurance coverage that the rental car companies will offer me would it be prudent to accept? In the US, my personal car insurance applies, so I don't need any of the optional insurance, but that only applies on rentals in the US. I'd just as soon not waste money buying insurance that is not really needed, but do want to be covered so that there are no nasty surprises.

Thanks!
Optiker

2. Posted by eve3981 (Full Member 34 posts) 11y

I usally recommend enterprise.com to my guests as they are less expensive than some of the others. Insurance offered is pretty standard. The choice option is for a collision damage waver. This is your excess in the case of an accident (the amount you would have to pay towards cost). It is up to you to choose this or decline. It is not usally that expensive and personally I do take this option. The roads in the highlands are pretty winding and there is still snow and ice about in April.
Hope that this helps
Regards
Eve

3. Posted by bob flinn (Full Member 173 posts) 11y

Hi,
I agree with the previous post, insurance does not vary much between companies, the collision waiver reduces the cost of the insurance but does leave you with having to pay something like the first £50, £100 or £200 which ever level you choose of any damage that is caused to the vehicle. It is a good idea to go round the car inside and out and record on the hire agreement any scratches, dents, marks in the interior etc and agree with the hire company rep. that you will not be held responsible for these.
At the end of the hire check and agree the total amount being charged to you, to be certain that there will be no charges added to your account later.It is rare for any of these problems to arise, however, be aware.
If you want to explore some of the best scenery in Scotland consider the 520 mile tour from Brechin, through Pitlochry, Mallaig, Ullapool, Tain and back to Brechin. If you try the web site "RAC route planner" and feed in these towns you should get a route guide for the journey with a static map option to show the whole plan. Or get back to me with your e-mail address and I will create a route guide and map and e-mail that to you.
Hapve a great visit.

4. Posted by optiker (Budding Member 7 posts) 11y

Eve and Robert...

Thank you both for your replies. It sounds like rental car insurance in Scotland is much less confusing than here in the States. I rarely rent cars here other than on business, and there my company has corporate coverage so we are instructed to simply waive all insurance options. If it's a personal rental, my personal car insturance covers everything. Hopefully, the experience in Scotland will be much less confusing than I'd expected based on your information - sounds like only what we'd call collision insurance here with a deductable.

Robert...the current plan is to stay at a cottage in the Brechin area and make day trips from there, so a long trip as you suggest is not an option. Thanks anyhow...maybe the next trip. :) I will get back to you if other questions arise.

Thanks again!
Optiker