Insurance generally included in the rental agreement
Mandatory liability insurance
By renting a car, the tenant is covered by a civil liability insurance subscribed by the renter. This assurance, mandatory to conduct a vehicle, covers the material or personal damage that the driver can cause to his passengers or third parties.
This insurance plays abroad in countries not expressly excluded from the green card.
Other insurance that may be included in the rental agreement
The lease may include other assurances also subscribed by the renter and covering the flight or attempt to the flight of the vehicle, the fire and the damage to the rented vehicle.
Franchises
The rental agreement generally provides for a franchise, that is, a deposit of the tenant, if the rented car is damaged or stolen. The amount of the franchise, which can be important, is fixed in the rental agreement and varies according to the car category and the rental company.
This franchise also depends on the responsibility of the driver as to the origin of the damage:
The tenant is the victim of an accident: if the liability of the damages is attributed to a third party identified, the tenant has no franchise to pay.
The tenant is partially or totally responsible for damages: the tenant must pay the franchise indicated in the rental agreement.
The complementary guarantees proposed to the tenant
Driver Insurance: PAI (Personal Accident Insurance) or Super Pai
This insurance can be declined with more or less extensive guarantees. In particular, it concerns the body damage and the death of the occupants of the rented vehicle, the emergency medical expenses, the 24/24 assistance, the loss, theft and the damage caused to the baggage and personal effects inside the vehicle, The costs of replacing keys and locks ...
This warranty can also cover several drivers. If so, it is necessary to indicate the identity of the different drivers who will lead the rented vehicle.
To know :
Only drivers indicated on the lease are allowed to drive the rented vehicle. On the rental agreement, from the vehicle, the tenant should indicate a main driver and additional drivers.
Guarantees of insurance related to the payment card
If the tenant sets vehicle rental with a high-end payment card, they can benefit from certain guarantees, such as franchise reduction / redemption insurance, franchise cancellation insurance, insurance Driver, goods insurance transported and personal effects ...
Before renting a vehicle, it is therefore important to know the guarantees available and their implementation modalities by paying with its payment card.
The purchase of the deductible in the rental agreement
The renter usually proposes to the tenant to take out additional insurance that will take care of all or part of the deductibles in the lease.
CDW (Damage Warior Collision) insurance, depending on the insurers, LDW (Loss Damage Waiver) or DEW (DeduBible Extended Waiver) covers the partial redemption of the expected franchise in the rental agreement in case of damage to the vehicle linked to a collision.
TPC (Theft Protection Coverage) insurance, depending on the insurers TP (Thieft Protection), or TPW (Thieft Protection Waiver) covers the partial redemption of the franchise in case of flight.
According to the rental contracts, this option allows you to not have to refund the venal value of the vehicle or a significant franchise in case of theft.
Some renters optionally offer a greater redemption of the franchise or even, for some, its total redemption. For example, Super TP (Super Thief Protection) insurance covers a significant portion of the franchise or even full redemption in case of flight.
Super Cover insurance can also cover up to the total redemption of the franchise in case of accident or theft of the vehicle.
Ice breakual insurance: the total redemption of the franchise is proposed, by some lessons, for damage to the windows of the vehicle.
Assistance
If the vehicle is used by the tenant under normal conditions and breaks down during the lease, the renter has the obligation to change it or reimburse the tenant. He must therefore bear the large repairs or reimburse any repairs.
On the other hand, in case of puncture of a tire, error of fuel, loss of the keys, discharged battery or closing of the vehicle with the keys inside for example ..., the tenant must support the costs .
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