When you rent a car, you want to hit the road worry-free. However, it's not always clear which insurance policies are included as standard and which you can optionally purchase.
It's important to know what insurance you need for your rental car so you can hit the road well-prepared. Good insurance can take away a lot of worry.
What is insured as standard with a rental car?
Nearly all car rental companies in the Netherlands include basic insurance. This usually includes third-party liability insurance (WA) that covers damage you cause to others with your rental car, such as another car or a cyclist.
With the right insurance, you can enjoy your vacation without worrying about possible costs due to damage to your rental car.
Which additional insurance policies are sensible?
The additional insurance you need depends on your situation and the risks you want to cover.
It is always wise to check what insurance you need, so that you can avoid unexpected costs.
Passenger accident insurance
With passenger damage insurance, you're covered for personal injury and damage to your and your passengers' personal belongings. This is a valuable addition, especially for longer trips or vacations.
Comprehensive coverage
With comprehensive insurance, you're also covered for damage to the rental car itself, even if you accidentally cause the damage. This reduces your financial risk and prevents high costs in the event of parking damage, scratches, or a collision, for example.
Comprehensive insurance is a smart choice for those who do not want to worry about damage to their rental car during the trip.
Reduce or buy out your deductible
Many rental companies allow you to reduce or completely waive your deductible. This is helpful if you want to avoid unexpected costs.
Roadside assistance insurance
Some rental companies offer roadside assistance as standard, while for others it is an additional option.
What does your own insurance or credit card sometimes cover?
In some cases, you already have additional coverage through travel insurance, your credit card, or your own car insurance. The terms and conditions vary widely, so it's wise to check this beforehand. This way, you avoid taking out duplicate insurance and paying unnecessary extra.
What happens without additional insurance?
If you do not choose additional insurance and damage occurs to the rental car, you will often pay a large part of the costs within the deductible.
Good insurance can help you avoid unnecessary costs and give you peace of mind during your trip.
Good insurance can help you avoid unnecessary costs and give you peace of mind during your trip.
How do you choose the right insurance?
When choosing your policy, pay particular attention to where you'll be driving, how long you'll be renting the car, and how much financial risk you're willing to take. In busy cities, on narrow roads, or during longer vacations, extra coverage is often a wise choice. At Adrem, we're happy to help you determine which coverage best suits your situation, so you never pay more than necessary.
FAQ
Is a rental car always insured?
Yes, every rental car always includes at least third-party liability coverage. Additional insurance policies vary by rental company.
What is the deductible for a rental car?
The deductible is the amount you have to pay yourself if damage occurs. You can often reduce or buy out this deductible.
Am I insured against theft when renting a car?
Yes, usually. Theft is often covered by limited comprehensive insurance, but always check the rental company's terms and conditions.
What insurance do I really need when renting a car?
At least third-party liability insurance is required. Passenger damage insurance or comprehensive coverage are also recommended if you don't want to risk high costs.
Are your personal belongings insured in the car?
Only with passenger damage insurance or additional coverage. Personal belongings are not covered by default.
