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  1. #1
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    Default Do you buy the extra insurance- car hire

    As title says..??

    Hiring a car and wondering whether to choose all inclusive insurance on top of flat rate. It's about an extra $12 per day but hiring car for 3 weeks.

    Do you/ would you do this?

  2. #2
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    Quote Originally Posted by yadot View Post
    As title says..??

    Hiring a car and wondering whether to choose all inclusive insurance on top of flat rate. It's about an extra $12 per day but hiring car for 3 weeks.

    Do you/ would you do this?
    I did but then ( after our last trip) found out our travel insurance would cover what the extra covered, so next time I won't be. If you have travel insurance compare the policies

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    Absolutely.

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    Absolutely.

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    Our visa card has the extra insurance as part of our "member benefits", so we don't, but if you don't have it included in your cc, then I would definitely buy it.

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    When renting from the big hire car companies (who charge a lot per day to reduce the excess) I've frequently found it cheaper to take out a domestic travel insurance policy with QBE or similar, which includes a few thousand dollars of hire car cover.

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    We ended up using domestic travel insurance. I looked up the details of the car rental place's all-inclusive cover vs. HBF travel insurance & HBF came out on top.

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    I have always opted for the extra insurance when hiring cars in the past.

    Interesting point about the travel insurance - I'll have keep that in mind next time we need to hire a car on holiday.

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    I always get travel insurance instead. It usually works out cheaper and covers you for lots of other stuff too, so it's a win win. Always check the payout amount for hire car on the policy though to make sure it'll cover what you'd owe the car rental company if you had an accident.

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    ACCC are currently investigating a number of these policies as they are uncommercial. Eg many won't cover you unless you actually hit or are hit by another car. So if you scrape your car, or hit an animal, you may not be covered.

    Seriously overpriced for what you get.


 

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