Driving a car is a risky practice. You never know what will happen on the road. This is why insurance is vital. When people think of car insurance, they think of their personal vehicles. However, you can also get insurance for a rental car. There are numerous insurance options for rental cars, depending on the rental company, location, and the type of coverage, like car hire excess insurance.

Is car hire insurance necessary?

While getting car hire insurance is not mandatory for all drivers renting vehicles, it is relatively necessary. However, it is worth noting that some car hire facilities require drivers to buy car hire insurance. In such cases, it is mandatory. A car hire insurance will cover the expenses you incur if you get into an accident or something happens to the rental car while it is in your care. This includes liability coverage, repair costs, and collision, depending on the policy. However, you must review the car hire insurance policy to determine if necessary.

Do I need excess protection car hire?

Car hire excess insurance is an optional coverage that protects you from extra costs that you have to pay if your rental car is damaged or stolen. Car hire excess protection helps you foot the costs of repairs and replacing a stolen car. For instance, if your rental car gets punctured in your possession and the repair cost is 700 dollars, the insurance will cover around 500 dollars. Therefore, you only have to spend 200 dollars. To gain these benefits, you must buy car rental excess insurance.

Is car hire excess insurance worthwhile?

Yes, car hire excess insurance is worthwhile as it gives you peace of mind and protects you financially incase of accidents and damages to your rental car
What to tell your insurance company after an accident

In the event of an accident, whether the car involved is rented or not, the first thing you must do is inform your insurance company. Based on the information you provide the company, will investigate the circumstances of the accident before determining whether your insurance covers the damages and liabilities or not.

After an accident, you can give them basic information about yourself, like your name, address, and contact information, when talking to your insurance company. Providing this information will help speed up your claim. You can also tell them about the accident without adding specific details about issues like the number of damages or your injuries.

When reporting an accident to your insurance company, you must be careful about the information you give them. The company representatives are trained to listen for information they can use to deny your claim or reduce the amount of money you receive. Below are some things you can avoid when reporting the accident to your insurance company;

• Never admit fault when talking to your insurance company, and do not make statements about your health and wellbeing (especially if you are not hurt)
• You may have to make an official statement, depending on the requirements of the insurance company
• Also, do not make specific details of the accident, your injuries, or the damages when notifying the company of the accident. Your lawyer will provide this information at a later time


When you get insurance for your car, you agree that you will notify the company if an accident occurs. Therefore failing to comply with the notification requirement could lead the company to deny your claim, cancel your coverage or increase your premiums. Before speaking to your insurance company after an accident, you can always seek guidance from an attorney or law expert.