At the rental desk 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 provide coverage for the "excess" which applies to any rental vehicle locally. The vehicle's standard liability is the maximum amount you would have to pay in the event of an accident. For example, a car with $2200 standard liability means that any damages up to $2200 in repair costs will be paid by you. This payment for repair costs is called "excess" and the rental companies offer to reduce that for a certain amount per day depending on the company and vehicle you have chosen.
There are three key amounts relating to car hire excess in each country, namely:
With Rental Cover you would be much better off:
1. Your RentalCover.com claim fee would be $0, versus the local rental companies whose reduced excess is usually higher (especially for cheap policies).
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, and more.