Deciding whether or not to purchase insurance for a rental car can be tricky, especially if you have car insurance already, which is why you need to know all of the right information so that you can make the right decision accordingly.

Do I Need To Buy Insurance For My Rental Car?

In many cases, the insurance that rental companies offer can seem like an unnecessary fee but before you decline the offer, keep in mind that car insurance is very important and does serve a purpose. You need protection from risk, which is why car insurance is something you should consider, especially when you’re not driving your own car as there are different types of risks and fees associated that you can experience, including liability, collision and comprehensive risks. Each risk is very costly if you were to come across it and having the right protection against all three will give you peace of mind so that you can drive safely and enjoy your road trip.

If you already have protection and your car insurance covers one or all of these risks, then you don’t need additional coverage. However, it is important to contact your insurance company to see what your policy covers so that you know for sure and don’t run into any surprises. Make sure your coverage will be extended to rental vehicles and figure out which type of risk you’ll be protected against should you need to use your insurance. In many cases, even if you’re covered, the extent of the coverage may not be the same for a rental, especially when it comes to collision and comprehensive coverage. Your policy may seem like it covers these things but there is a chance it will not provide you with enough protection or may not extend to a rental car. This is why you need to call your insurance company to figure out all the details so that you know where you stand should you run into a problem.

If your policy does not protect you to the extent you’d like, there is a chance that your credit card company does, so look into this because most credit cards do provide collision and comprehensive coverage for rental vehicles, especially if it comes with an annual fee. In order for the coverage to be active, you will most likely have to pay for the cost of the rental with that specific credit card.

If you need to rent a car and are not sure about the insurance aspect, Expo Rent a Car in downtown Vancouver can help. In addition to cheap car rentals, they can provide you with all of the right information so that you hit the road with confidence knowing you are covered. For all of your car rental needs, visit Expo Rent a Car today!