When hiring a car in the UK, Ireland, Europe, Africa, New Zealand, Australia and most of the Middle and Far East, all rental agreements generally include CDW (Collision Damage Waiver), Theft and Third Party Liability. This means that the car you’re driving is insured, however there is almost always an Excess (also referred to as Super CDW, Non Waiver or Deductible) which you have to pay in the event of theft or damage to the rental vehicle, and this can range from £500 - £1500.
Car rental companies will offer you Excess insurance to protect you against this excess, but this costs on average between £10 and £20 a day, and it doesn’t cover you for damage to the tyres, windows, roof or undercarriage and many other items CHEW Insurance protects customers from these excess payments at a price much lower than the car rental excess insurance. With CHEW Insurance you pay from just £1.59 a day, compared with the average £9 daily rate that the rental companies charge, and we DO cover you for damage to the tyres, windows, roof and undercarriage. We also cover loss of keys, lock out, drop off fees, mis-fueling, theft from the vehicle (see policy wording for full details
When hiring a car in the USA, Canada, the Caribbean, Central and South America, you are required to have CDW (Collision Damage Waiver) / LDW (Loss Damage Waiver) - covering damage, theft and loss of use of the rental vehicle. Rental companies may insist on your buying a policy from them unless you can prove that you already have a suitable alternative policy in place (such as a stand alone policy from CHEW Insurance). Purchasing this cover directly from the car hire company usually costs between £10 and £25 per day, depending on the location, the type of car and the rental company. The Worldwide CHEW Insurance policy is from just £4.23 per day, or £45.61 for an annual policy.
Sometimes additional liability protection called Supplemental Liability Insurance (SLI) - covering Third Parties; i.e. other vehicles and individuals, may be required. This is often in states or countries where the statutory levels of liability insurance that must be provided with the rental vehicle are considered insufficient to protect you in the event of a serious claim. CHEW Insurance does not offer Supplemental Liability Insurance and you should check directly with your rental company if you are unsure of the level of third party liability cover that you already have as part of your rental agreement.