{"id":43023,"date":"2025-12-13T14:36:29","date_gmt":"2025-12-13T12:36:29","guid":{"rendered":"https:\/\/adremlimburg.nl\/?p=43023"},"modified":"2025-12-13T14:36:29","modified_gmt":"2025-12-13T12:36:29","slug":"welke-verzekeringen-heb-je-nodig-bij-een-huurauto","status":"publish","type":"post","link":"https:\/\/adremlimburg.nl\/en\/blog\/welke-verzekeringen-heb-je-nodig-bij-een-huurauto\/","title":{"rendered":"What insurance do you need for a hire car?\u00a0"},"content":{"rendered":"<p>When you rent a car, you want to be able to drive without any worries. However, it's not always clear which insurance is included as standard and which you might need to take out additionally.<\/p>\n<p>It's important to know what insurance you need for your hire car, so you can set off on the road well-prepared. Good insurance can take away a lot of worries.<\/p>\n<h2 aria-level=\"2\"><b><span data-contrast=\"none\">What is usually included with a hire car?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/h2>\n<p>With virtually all car rental companies in the Netherlands, basic insurance is included. This usually consists of third-party liability insurance, which covers damage you cause to others with the rental car, such as another car or a cyclist.<\/p>\n<p>With the right insurance, you can enjoy your holiday without worrying about potential costs from damage to the hire car.<\/p>\n<h2 aria-level=\"2\"><b><span data-contrast=\"none\">Which supplementary insurance policies are sensible?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">What additional insurance you need depends on your situation and the risks you want to cover.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p>It's always wise to consider what insurance you need, so you can avoid unexpected costs.<\/p>\n<h2 aria-level=\"3\"><b><span data-contrast=\"none\">Occupant Insurance<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:281,&quot;335559739&quot;:281}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">With passenger accident insurance, you are covered for personal injury and damage to personal belongings of yourself and your passengers. This is a valuable addition, especially on longer journeys or holidays.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"3\"><b><span data-contrast=\"none\">All-risk cover<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:281,&quot;335559739&quot;:281}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">With comprehensive insurance, you are also covered for damage to the rental car itself, even if you cause the damage accidentally. This reduces your financial risk and prevents high costs for things like parking damage, scratches, or a collision.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p>An all-risk insurance policy is a smart choice for those who don't want to worry about damage to their rental car during their trip.<\/p>\n<h2 aria-level=\"3\"><b><span data-contrast=\"none\">Reducing or buying out the excess<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:281,&quot;335559739&quot;:281}\">\u00a0<\/span><\/h2>\n<p>With many rental companies, you can reduce or fully waive your excess. This is useful if you don't want any unexpected costs.<\/p>\n<h2 aria-level=\"3\"><b><span data-contrast=\"none\">Roadside assistance insurance<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:281,&quot;335559739&quot;:281}\">\u00a0<\/span><\/h2>\n<p>Some landlords offer breakdown assistance as standard, while with others it's an optional extra.<\/p>\n<h2 aria-level=\"2\"><b><span data-contrast=\"none\">What does your own insurance or credit card sometimes already cover?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">In some cases, you already have additional cover through your travel insurance, your credit card, or your own car insurance. The conditions vary widely, so it's wise to check this beforehand. This way, you avoid taking out double insurance and paying unnecessarily more.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><b><span data-contrast=\"none\">What happens without supplementary insurance?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/h2>\n<p>When you opt out of additional insurance and the rental car is damaged, you often pay a large portion of the costs within the excess.<\/p>\n<p>Good insurance can help you avoid unnecessary costs and give you peace of mind during your trip.<\/p>\n<p>Good insurance can help you avoid unnecessary costs and give you peace of mind during your trip.<\/p>\n<h2 aria-level=\"2\"><b><span data-contrast=\"none\">How to choose the right insurance?<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:299,&quot;335559739&quot;:299}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">When choosing, especially consider where you'll be driving, how long you'll be hiring the car for, and how much financial risk you're willing to take. In busy cities, on narrow roads, or during longer holidays, extra cover is often a sensible choice. At Adrem, we are happy to help you determine which cover suits your situation, so you never pay more than necessary.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"1\"><b><span data-contrast=\"none\">Frequently asked questions<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:322,&quot;335559739&quot;:322}\">\u00a0<\/span><\/h2>\n<p><b><span data-contrast=\"auto\">Is a rental car always insured?<\/span><\/b><br \/>\n<span data-contrast=\"auto\"> Yes, every rental car always has at least third-party liability cover. Additional insurance varies by rental company.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">What is the excess on a rental car?<\/span><\/b><br \/>\n<span data-contrast=\"auto\"> The excess is the amount you have to pay yourself when damage occurs. You can often reduce or buy it out.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Is my hire car insured against theft?<\/span><\/b><br \/>\n<span data-contrast=\"auto\"> Yes, most of the time. Theft usually falls under limited cascode coverage, but always check the landlord's terms and conditions.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">What insurance do I really need with a hire car?<\/span><\/b><br \/>\n<span data-contrast=\"auto\"> At least third-party liability insurance is mandatory. In addition, passenger accident insurance or comprehensive cover would be advisable if you do not want to risk high costs.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Are personal belongings in the car insured?<\/span><\/b><br \/>\n<span data-contrast=\"auto\"> Only with passenger accident insurance or additional cover. Personal belongings are not insured as standard.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Wanneer je een auto huurt wil je zonder zorgen de weg op. Toch is het niet altijd duidelijk welke verzekeringen standaard inbegrepen zijn en welke je eventueel extra kunt afsluiten. Het is belangrijk om te weten welke verzekering je nodig hebt voor je huurauto, zodat je goed voorbereid de weg op kunt gaan. Een goede [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":43024,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[22,49,19],"tags":[85,83],"class_list":["post-43023","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto-huren","category-bestelbus-huren","category-informatie","tag-autoverzekering","tag-verzekering"],"acf":[],"_links":{"self":[{"href":"https:\/\/adremlimburg.nl\/en\/wp-json\/wp\/v2\/posts\/43023","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/adremlimburg.nl\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/adremlimburg.nl\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/adremlimburg.nl\/en\/wp-json\/wp\/v2\/users\/26"}],"replies":[{"embeddable":true,"href":"https:\/\/adremlimburg.nl\/en\/wp-json\/wp\/v2\/comments?post=43023"}],"version-history":[{"count":2,"href":"https:\/\/adremlimburg.nl\/en\/wp-json\/wp\/v2\/posts\/43023\/revisions"}],"predecessor-version":[{"id":43026,"href":"https:\/\/adremlimburg.nl\/en\/wp-json\/wp\/v2\/posts\/43023\/revisions\/43026"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/adremlimburg.nl\/en\/wp-json\/wp\/v2\/media\/43024"}],"wp:attachment":[{"href":"https:\/\/adremlimburg.nl\/en\/wp-json\/wp\/v2\/media?parent=43023"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/adremlimburg.nl\/en\/wp-json\/wp\/v2\/categories?post=43023"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/adremlimburg.nl\/en\/wp-json\/wp\/v2\/tags?post=43023"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}