Hiring a car is always advisable to know what complication one has to work with when it comes to car rental insurance. It is wise to understand what insurance coverage is actually necessary in order to prevent additional problems and costs, regardless your car rent Dubai monthly is for a short time or on a per-month basis.
The shiny contract lands on the counter, the salesperson starts pitching add-ons, and you’re left wondering: collision damage waiver? Extra liability insurance? Personal accident coverage? Don’t be afraid, I’ll provide a comparison for you to make the right decision.
Start with What You Have in Place
However, you don’t want to rent blindly; review your auto insurance policy and credit card perks. Most car insurance issued on an individual basis has some extent of cover on rented cars but has limitations or comes with a deductible. In the same manner, credit cards always extend a second tier insurance in terms of damage or theft, your primary insurer handles the claim.
In this case, you realize that not all extra options the rental company wants to provide are necessary if your current policies are already very sound. Although, to be on safe side, always confirm the coverage from your home country if you arrive in Dubai as a foreigner.
An insight to Collision Damage Waiver
The CDW also known as the Loss Damage Waiver or the Excess Fee Reduction that most suppliers provide protects rented car against accidental damage or theft. Though no actual insurance policy, it works like a release of liability insurance.
Since individual coverage typically excludes vehicle rental or if you are a visitors, it is thus wise to get additional CDW if you want to hire a car in Dubai. It offers a simple method of handling any potential liability expense without using easily accessible funds or abusing important coverage.
Tips to manage easy rental process
Plan Ahead: You should take your time and find out what insurance is needed before getting to the counter. It will also assist you in not being over billed the extra amount simply because you are shielded against given factors.
Understand Local Requirements: Insurance usually tends to be a part of the package in Dubai rental companies, but always clarify.
Evaluate Third-Party Options: Third party insurance suppliers are often provide better or cheaper insurance than that being offered at the rental desk.
Concluding Remarks,
Thus, it appears that the best approach to knowing what kind of rental car insurance is needed. Time will not wait for you and so don’t wait until you are standing in front of the rental car counter. Evaluate the insurance inclusion given by your payment method and car insurance policies.