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How do I get liability insurance for a rental car in a foreign country?
Question: How do I get liability insurance for a rental car in a foreign country?
We are traveling to Spain this summer and neither the rental car agencies (Avis or Hertz), our stateside insurance provider (State Farm), or our credit card company (American Express) offer liability coverage in a foreign country. I would much appreciate any advice or experience anyone may have with this.
(foreign travel insurance)
Best answer:
Answer by dani_byrne
You will need to get insurance from a provider in Spain. Maybe your agent writes some coverages with Lloyd’s of London; sometimes they can help.
I think that Avis and Hertz don’t make clear their information on liability coverage in Europe. Liability insurance (Basic Public Liability and Property Damage) is included in the rate of the vehicle, up to the minimum limits required by the law of the particular country.
When they say that liability insurance is not available to buy, it means that there is no ADDITIONAL Liability insurance options to purchase.
You many notice when booking a car in the US that there is an insurance option called ALI (Additional Liablity Insurance) — what this does is raise the renters coverage for public liability and property damage damage beyond the minimum level required by law. (The car is automatically covered up to the minimum limit required for liability).
If you call an Avis or Hertz rep, they will be able to confirm for you that basic liability insurance is already included in your rate for the rental in spain. Remember it’s only public liability and property damage that is covered.. not any damage or theft of the rental car itself.
Hope this helps!