Now that I understand how to manage my insurance, I’m sure my next trip will be that much more relaxing
After landing at an airport, many of us will proceed to collect our luggage and head to the car rental counter. It is there that they will invariably offer to sell you insurance.
We were wrong. For a two-week rental of a mid-sized car, Hertz was charging us $380.72. The “loss damage waiver” it offered, covering physical damage to the car, as well as theft or vandalism, but not injuries, would have cost an additional $489.86.There are choices out there, but the time to research them is well before you book the car, not at the rental desk.
In this case, while still at the rental counter, we chose to call the insurer who provides our car insurance in Nova Scotia. Our agent added rental car coverage to our existing auto policy, and assured us that we were now fully covered for an annual fee of $32 a year. That quick call saved us hundreds of dollars.
Before booking your rental car, look carefully to make sure that your credit card insurance includes your entire planned trip – especially if you’re travelling to more than one country – and the specific vehicle type that you hope to drive. In recent years, we’ve had to negotiate claims with both car rental companies and the company that moved our household. We’ve learned that it’s worth taking the time to document anything that might come back to haunt you. Even though you’ll be anxious to get on the road, find a well-lit spot to stop, examine the car for existing damage and take photos. If you see any sort of dings, dents or scratches, call the rental office and tell them.
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