If you are going on holiday, and particularly if you are travelling to a strange country and plan to hire a car to drive while you are there, don't rely on the rental company's insurance arrangements. Most rental companies only cover their hire vehicles for third-party, fire and theft. If you are involved in an accident while you are driving a rental vehicle then you could find yourself with a hefty repair bill if the car you have rented is damaged.
You should make sure that you have fully comprehensive insurance, even if it is only on a temporary basis, when you hire a car for any purpose. It is possible to get short-term insurance if you shop around or if you are on good terms with your local agent then they may be able to advise you what sort of deals are on offer. You should also take out temporary breakdown cover when you are driving abroad and especially if you are using a rental vehicle.
If you are renting a car in Europe then it is worth taking out temporary European breakdown cover. The way that different countries deal with vehicle breakdowns may not be familiar to you and you could be surprised to find that in France, unless you have your own arrangements, there is no roadside assistance in many areas. Temporary European breakdown cover should not be too expensive. You should be able to get a short-term policy for a month that will provide you with a 24 hour call out number for roadside assistance no matter what part of Europe you are stranded in.
While you may be very careful when driving your own vehicle and having the proper levels of insurance, you should be even more so when you are driving a rental vehicle. Don't assume that your own insurance is sufficient or that the rental company will have seen to all those insurance details. The fact is that many car rental companies, particularly those abroad, do not provide more than third-party fire and theft cover on their vehicles. If you are involved in an accident where you are at fault then you could find yourself having to pay for the replacement of the vehicle you have hired.
Shop around for temporary car insurance quotes as you will want to get the best deal possible. Holidays and rental cars are expensive enough without having to pay through the nose of temporary vehicle cover. It is worth taking the time to have a good look on the internet as there are plenty of websites that provide information on insuring a vehicle, including a comparison of various companies and their policies.
It is always worth getting a number of temporary car insurance quotes as some companies may require you to hold the policy for longer than you really want to. Take a good look around until you find temporary or short term car cover that will suit your needs and with a premium price that you can afford to pay.
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