Renting a Vehicle without a Personal Car Insurance

People have different reasons why they hire vehicles when they are traveling to different states or countries. One of the reasons why they hire is the cost it would take when you ship your car. Traveling involves money because you have to pay your accommodation, food and other expenses. Now, if you will bring your car, then you will pay for the shipping fee. So, if you are on a budget, then it is not advisable to bring your personal car.

What about the Car Insurance?

Knowing that you own a car, do you have a car insurance? If yes, then you surely know the cover of your insurance. But, what type of car insurance do you have?

If it is a Liability Insurance, then if you are at fault, it will cover the damages done to the property and so with the injuries involved. And then, damages to the hired vehicle is not covered, so you have to pay the vehicle hire company.

Now, if you are going to buy a Collision Damage Waiver or CDW Insurance from the vehicle hire company, then you do not need to pay damages on the hired vehicle.

We do not like to meet accidents on the road, but insurance is needed. If you are traveling on a business trip, then the company you are working for must provide the insurance that you need.

Another insurance that most vehicles for hire companies offer is the Primary Rental Car Insurance. Is it a must to avail this offer or not? This kind of insurance covers any damages to the hired vehicle only. Injuries made to other people and to the properties are not covered here.

Now, if you are planning to hire a vehicle, then it would be best for you to have your personal liability insurance and the primary rental car insurance. Both of these types greatly complement each other. While you may also take the Collision Damage Waiver Insurance and Personal Car Insurance at the same time.

When it comes to insurances, you have to know what it covers. Now, without your personal car insurance, and just the insurance for the hired vehicle, then, you are at risk. That is a bad idea, right? Always make sure that you are also protected.

What if you do not own a car, but you can drive and wants to hire a vehicle to use? Do not worry, you can ask an insurance for non-owners policy, so that you can still have a liability insurance.

It could have been better if every client or customer, who plans on hiring vehicles will have an insurance. So, before booking for a vehicle for hire company, you have to know their policies. You must ask what insurance can they offer you while renting their car.


It is not really bad to ask for an insurance when hiring a vehicle. You are just considering your protection because driving on the road is not always safe no matter how careful you are.