There is a lot to be said for renting a car from a car rental company and insuring a car through insurance – each of them can know their business well and therefore have the best deals. However, when it comes to auto insurance, many customers are still in the majority of car insurance decisions seeking potentially better deals from independent car hire insurance in Australia.

Does My Auto Insurance Cover Rental Cars?

What are the disadvantages of taking the necessary insurance directly from the car rental company? Apart from the fact that the owner is unlikely to be an insurance professional, the main problem stems from the limited coverage of the main products on offer.

A good example is the insurance coverage that will most likely be offered to you as part of standard rental car insurance in the event of accidental vehicle damage. This occurs in the form of what is called an exclusion of liability (often also referred to as a fully comprehensive insurance or damages waiver). It usually does not cover accidental damage to the roof, undercarriage, wheels and tires or windows and windows, even if this is one of the most vulnerable parts of the vehicle.

One particular disadvantage of corporate car insurance is that the excess is usually used to help with collisions. Deductibles can be a pull out of a customer's pocket if they are lost or damaged, simply because they tend to be very high. In the UK they usually cost £600, but in some parts of the world, they can reach the equivalent of £1500.