When you rent a car, you'll often see the term "overhead damage" in the rental agreement. Many people aren't sure what this covers until unexpected costs arise. That's why it's important to understand what overhead damage is, how it occurs, and what it means for your insurance. This article explains it clearly.
What is covered by overhead damage?
Overhead damage is damage that occurs to the top part of the car, often above the doorway. 75 centimeters downward from the roof is often considered overhead. These include:
- damage to the roof
- damage to the top of the doors
- damage to the roof rails
- damage to the frame surrounding the roof
- damage caused by objects protruding above the vehicle
This type of damage usually occurs when the car contacts a low object that is higher than expected.
How does overhead damage occur?
The most common situations are:
- driving in a parking garage that is too low
- bump into a low-hanging branch or brush pile
- damage caused by a carport or low canopy
- hit a beam, gate or bridge
- damage when placing a roof box or other load
Because the driver is responsible for estimating the height, overhead damage is often treated differently than regular damage.
Is overhead damage insured?
Not always. This is the main reason why the concept is so relevant.
Many rental cars include overhead damage NOT ALLOWED Under standard insurance or under standard comprehensive coverage. This is because it is often considered damage caused by improper use of the car.
Some rental companies do offer additional coverage that includes overhead damage. This varies by provider, so it's wise to check beforehand if you anticipate a situation where height is a factor.
How much does overhead damage cost?
If overhead damage isn't covered, you'll pay the full repair costs yourself. This can be quite expensive, as damage to roof structures is often complex. Consider:
- deformation of the roof
- paint damage or deep scratches
- damage to internal roof structures
- broken roof rails or antennas
The costs can range from a few hundred euros to thousands of euros, depending on the severity of the damage. Therefore, it's wise to be extra vigilant.
How do you prevent overhead damage?
Fortunately, you can often easily prevent this damage by paying attention to a few points:
- Always check the maximum clearance height in parking garages.
- Drive slowly at low passages.
- Pay extra attention when using loading space or roof boxes.
- Take roof antenna or roof rails into account.
- Avoid unfamiliar unpaved roads with low-hanging branches.
By simply taking the height of the vehicle into account you can avoid many risks.
Closing note
Overhead damage is damage to the top of the car caused by contact with a low object. This damage is often not covered by standard insurance and can therefore be expensive. By paying close attention to clearance heights and low-hanging obstacles, you can easily prevent this. At Adrem, we always clearly explain how the coverage works, so you know exactly what you're covered before you set off. The height of the van you rented is also usually indicated on the windshield and side window.
FAQ
What is covered by overhead damage?
Damage to the roof or top of the car caused by a low-hanging object or a passage that is too low.
Is overhead damage insured with a rental car?
Not always. This is often not covered by standard coverage. Check this beforehand.
How much does overhead damage cost?
Costs range from several hundred to thousands of euros, depending on the damage.
How do you prevent overhead damage?
Pay attention to clearances, low-hanging branches and structures, and drive carefully in parking garages.
