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Auto Insurance from US to cover Car Rental in UK

Auto Insurance from US to cover Car Rental in UK

Jul 2nd, 2011, 07:51 AM
Original Poster
Join Date: Jun 2011
Posts: 15
Auto Insurance from US to cover Car Rental in UK

we are traveling from US to UK ..taking a car rental for a week at LHR

does anyone know if Statefarm (Auto Insurance) in US will cover our rental in UK? I would call them..but they are closed over the weekend.

thanks in advance..
snlife is offline  
Jul 2nd, 2011, 09:30 AM
Join Date: Mar 2003
Posts: 20,479
Your credit card should cover the CDW,as long as all transactions related to the rental are done with said card.
Michael is offline  
Jul 2nd, 2011, 09:36 AM
Join Date: Oct 2005
Posts: 63,239
Your stateside insurance won't cover you. As Michael says -- your credit card should but make sure. Read the info included in your terms and conditions.

If not, there are travel insurance policies to cover rental cars -- or the ins. sold by the rental agency.
janisj is offline  
Jul 2nd, 2011, 09:41 AM
Join Date: Sep 2007
Posts: 2,522
I have never heard of a North American car insurance company who would cover a rental car outside of North America. Maybe one exists... call your agent to check. But I doubt it.

AutoEurope.com offers complete insurance with zero CDW on some of their rentals.

I have also rented through http://www.economycarrentals.com... all their rentals include a zero deductible CDW.

Lastly, you can purchase stand alone insurance from a company like this: http://insurance4carhire.com/
ParisAmsterdam is offline  
Jul 2nd, 2011, 09:42 AM
Join Date: Jan 2007
Posts: 137
US insurance not relevant to car rental.
If booked on a credit card, then you will likely have some level of coverage -- call them.
At point of rental you will be offered the (pricey) options for various types of insurance. Since we have Citicard MC and it carries great rental car coverage we decline all. Yhere was one exception, and this is where pre planning and calling your card company comes in, when we rented in San Diego our CC advised us to add the rental car theft coverage, since theft of autos close to Mexico border is a huge issue and the extra coverage would give instant car replacement.
dendleju is offline  
Jul 2nd, 2011, 12:07 PM
Join Date: Oct 2003
Posts: 57,890
US auto insurance does NOT cover you in europe. However, you should have coverage through your credit card - but you need to contact them to see what is offered by your particular card - and what the rules are. If there is a sizable deductible you may want to cover that with insurance from the rental agency - as long as that doesn;t invalidate your CC coverage.
nytraveler is offline  
Jun 23rd, 2012, 11:46 AM
Join Date: Jun 2012
Posts: 1
HBC Car exceeded our expectations

We had friends that were travelling to Orlando on 28th March for 2 weeks. We haven't yet booked our car hire company.
Any help/advice from you lovely people would be greatly received. And we find HBC Cars, how give us best solution.

I hope you find one as cheap as your original quote.

Just a few things more...
I don't need a Green Card or anything do I, that's just if you drive your OWN car abroad on your own insurance, yes?

All the insurance I require will be taken out as part of the car hire, yes - if so, any rough idea how much they charge?

Finally, how much deposit will they want, and where is the nearest petrol station and how much is fuel costing over there?
Kathylion is offline  
Jun 23rd, 2012, 11:57 AM
Join Date: Oct 2005
Posts: 63,239
Kathylion: Welcome to Fodors. You will do better if you start a new thread of your own.

And it is not clear --are you asking about renting a car in Orlando or the UK?? If the USA -then you might want to post your new thread on the United States Forum.
janisj is offline  
Jun 23rd, 2012, 06:11 PM
Join Date: Oct 2003
Posts: 57,890
US car insureance will NOT cover you in europe. Your credit card you are using to rent the car should provide insurance - but you need to contact them - since the coverage differs by the type of card (Visa, MC, AmEx) , the level of card (gold, platinum, black, etc) and which bank issues the card. You need to get the details on this before you decide what - it any insurance you shuold take from the car rental company.

(Some credit cards do NOT cover you if you buy any insurance from the car rental agency - but at the same time they may have sizable deductibles - up to $1000 - that you would have to cover yourself.)
nytraveler is offline  

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