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Car Rental Insurance: CDW, LDW, Excess Waivers Explained

For campervan and motorhome rentals, try our motorhome and campervan excess cover overview or for 4x4s and 4x4 campers, try our 4x4 excess cover page.

For your country of destination, read below for a basic explanation or skip ahead to your country: ArgentinaAustralia, Austria, Belgium, Bosnia, Brazil, Canada, Chile, Croatia, Czech Republic, Denmark, France, Germany, GreeceHolland, Hungary, Ireland, Israel, Italy, Mexico, NZ, Norway, Poland, Portugal, Russia, South Africa, Spain, Sweden, Switzerland, Turkey, UAE, UK, US.

At the depot you will be offered insurance (also called Excess Reduction or Excess Waiver or Super Collision Damage Waiver (SCDW) or Super Loss Damage Waiver (SLDW) etc). Instead you can purchase a RentalCover.com policy which will cover the "excess" which applies to any rental vehicle globally. The vehicle's standard liability is the maximum amount you would have to pay in the event of an accident, and you can reduce that for around $20-$ 40 per day depending on your country of travel. If you are picking up your vehicle at an airport, most suppliers add a surcharge to the daily Excess Reduction price. This can be up to 25% extra in major cities in US, Europe, Australia and the UK. 

Using RentalCover.com, you would pay the rental company in the event of damages and then claim that amount to the issuer of your RentalCover.com policy. You would be much better off:

1. Your RentalCover.com claim fee would be $0 - most rental companies would have a remaining excess.
2. The RentalCover.com price policy guarantees that you will pay minimum 50% less compared to the rental company's excess reduction.
3. The rental companies exclude many common types of damage, including windscreen, tyre, underbody, roof and overhead damages and damages caused by driving at night, hitting animals, in single vehicle accidents, demurrage (the rental company's lost income while the vehicle is being fixed), and more.

For more information on your country of destination, choose a page from the below: 

Argentina
Australia
Austria
Belgium
Bosnia
Brazil
Canada
Chile
Croatia
Czech Republic
Denmark
France
Germany
Greece
Holland
Hungary
Ireland
Israel
Italy
Mexico
New Zealand
Norway
Poland
Portugal
Russia
South Africa
Spain
Sweden
Switzerland
Turkey
UAE
UK
US