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    Car Rental Coverage & Waivers in Europe

    Europe Car Rental Coverage: An Overview

    Your 3 European Car Rental Coverage Options

    Europe Car Rental Insurance GuideAuto Europe's car rental packages include third-party insurance coverage and optional liability waivers provided by our rental partners.

    We offer three rate structures, allowing you to determine the best price and level of coverage for you.

    Basic Rates

    Auto Europe's Basic Rates Include:

    • Third Party Liability Insurance
    • Fire Insurance
    • Value Added Taxes (VAT)

    Inclusive Rates

    Auto Europe's Inclusive Rates Include:

    • Third Party Liability Insurance
    • Fire Insurance
    • Value Added Tax (VAT)
    • Collision Damage Waiver (CDW) - with a Deductible*
    • Theft Protection - with a Deductible*

    No Deductible Rates

    Auto Europe's No Deductible Rates Include:

    • Third Party Liability Insurance
    • Fire Insurance
    • Value Added Tax (VAT)
    • Collision Damage Waiver (CDW) - with No Deductible**
    • Theft Protection (TP) - with No Deductible**
    • Roadside Assistance

    About Our CDW and TP Rental Car Coverage in Europe
    *Collision Damage Waiver and Theft Protection releases you from full financial responsibility for the vehicle in case of an accident or theft. In most cases you will still be responsible for a deductible of some sort when collision and theft protection are purchased. Most car rental suppliers will locally offer the option to purchase additional insurance to reduce the collision and theft deductible. You may also choose the "No Deductible" option from Auto Europe when available.

    About Our No Deductible Car Rental Coverage
    **No Deductible Collision Damage Waiver and Theft Protection releases you from full financial responsibility for the vehicle in case of an accident or theft. You will not be responsible for paying a deductible when Auto Europe's no deductible insurance is purchased. If you are interested in this coverage be sure to look for the "No Deductible Rate" when booking online.

    Are You Required to Purchase Additional Car Rental Insurance Coverage in Europe?
    With the exception of rentals picked up in Italy, Inclusive Rates are optional and may be refused in order to use the coverage your credit card or personal insurance policy offers.

    The level of coverage offered by your credit card or personal insurance policy may not be adequate for some car rental companies in some locations. To help you better understand what's covered we've created a credit card rental car insurance guide and our experienced agents are available 24/7 by phone to advise you if you have questions.

    Credit Card Coverage & Your Rental Car in Europe

    Some credit cards only offer coverage for certain car rental types. The following is exempted with most cards:

    • Vehicles valued at over $50,000 (Mercedes-Benz 320, BMW 730, etc.)
    • Exotic cars or antique cars (over 20 years old or have not been manufactured in 10 years).
    • Off road or 4x4 vehicles, motorcycles, trucks, cargo vans, full-sized vans and camper vans

    Other credit card coverage concerns to consider:

    • Coverage is limited to rentals under 30 days.
    • Some credit cards do not offer coverage for car rentals in Ireland, Israel, Italy, New Zealand, Australia and travel into Eastern Europe.
    • To extend coverage, additional drivers must be listed on the European rental agreement.
    • Most credit cards will file a claim with your personal insurance company before they reimburse the deductible. This could affect your personal driving records and insurance premiums.
    • Most credit card companies require the repair bill to be paid directly by the card holder and have a specific time period to submit documentation.
    • Additionally most credit cards will not cover rentals if the card was issued outside of the customer's home country.

    Personal Automobile Coverage For A European Car Rental

    The automobile insurance policy for the car you own may include coverage for your rental car, but understanding the extent of what is (and what isn't) covered by your policy is important as it will allow you to make the best choice while renting a car in Europe.

    Here are a few key points to consider before deciding to use your personal automobile policy to cover your rental car:

    • Coverage may be limited to the value of the car you own, not the rental.
    • Some policies will not cover a rental car unless it's due to your own personal car needing repairs.
    • The insurance premium could be raised because of the claim, and you could be put in a "high risk" bracket and your insurance policy could be canceled.
    • Most policies do not cover damage or theft of personal possessions, third party liability or medical costs.

    It is your responsibility to check with your credit card company or insurance carrier to determine your coverage. If you have any questions about car rental insurance in Europe please reach out to Auto Europe's knowledgeable team of specialists toll-free, 24/7 at 1-888-223-5555.

    Auto Europe Car Rental Insurance

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