Does my car rental agreement already include insurance?

If you are hiring a car in the UK, Europe, South Africa, New Zealand and Australia, the answer is generally Yes. This is always worth checking prior to hiring the car though. If it does, your car rental agreement will include cover for: CDW (Collision Damage Waiver), also known as LDW (Loss Damage Waiver), Third Party Liability and Theft.

There is almost always an Excess (also known as Super CDW, the Deductible, or Non-Waiver) on the CDW and Theft part of the rental agreement. This Excess is likely to range from about €200 to €2,000. It is this Excess which is covered by our insurance Policies.

If you are hiring the car in the USA Canada, the Caribbean and South America, it is generally the case that your car rental will not include insurance. The renter must purchase CDW (Collision Damage Waiver)/LDW (Loss Damage Waiver) and Supplemental Liability Insurance. This is sold at the car rental counter and will cost between US$20 and US$30 a day.