Types of car rental insurance

When you decide to rent a car, you may not know exactly what to pay attention to, especially if it is for the first time when you choose car rental service. After choosing the company and the car you want, another thing that you should consider is choosing an insurance. Thus, depending on the type of insurance you opt for, you may be exempt from additional payments in case of any damages.

In most situations, the RCA civil liability insurance is included in the rental price. This covers the damage you cause to other traffic participants as a result of a road event. Thus, according to the legal norm, compensation is granted for material damages, but also for bodily injury that occurred following a potential accident.

In any case, it is recommended to inform yourself about the limits of such insurance to see if it is not necessary to choose a complementary insurance. As for the name, price and type of this type of insurance, these may vary depending on each rental company. At Compexit Rent a Car Cluj-Napoca, the types of insurance differ depending on the financial liability each of them covers.

CDW (Collision Damage Waiver) Minimum

This type of insurance is additional and involves reducing the value of the guarantee. Specifically, the financial liability in the event of an accident is reduced to the amount of 500 euros. Exceptions are the cases in which the CASCO insurance of the car does not cover the faults or other damages of any kind.

CDW (Collision Damage Waiver) Medium

This type of insurance is a complementary one, included optionally. This involves reducing the financial liability in the event of an accident within 900 euros. Like the previous insurance, except in cases where the CASCO insurance of the car does not cover the faults or other damages.

SCDW (Super Collision Damage Waiver) / CDW Total

Super Collisson Damage Waiver is also an additional type of insurance and offers the benefit of paying nothing extra when the car has been damaged by the customer. Exceptions are, of course, the cases in which the CASCO insurance of the car does not cover the faults or other damages.

In addition to this information, it is recommended to take in consideration some tips when you rent a car and you want to choose an insurance. First of all, be informed about what type of insurance is included in the rental price. Secondly, do not forget to ask for information regarding the conditions under which CASCO insurance exempts you from liability, but also what are the risks covered by the complementary insurance. Last but not least, it also takes into account the situations in which the complementary insurance does not cover certain damages (for example, if the person involved in a road accident is under the influence of alcoholic beverages or hallucinogenic substances).