Rental Car Insurance in Germany: Daily Coverage from US$ 6.49

Introduction to Rental Car Insurance for Germany

Germany mandates basic third-party liability insurance for all rental vehicles, covering damage to others’ property or injuries. However, this basic coverage often has limited financial protection, prompting travelers to seek additional Super CDW coverage for better protection of the rented vehicle. When planning to rent a car in Germany, it’s crucial to understand the various aspects of rental car insurance that can protect you financially and legally during your journey. As one of the world’s most frequented destinations, Germany offers an abundance of cultural and scenic experiences. Whether you’re planning to rent a car in Germany to immerse yourself in the historical richness of Berlin or traverse the picturesque landscapes of Bavaria, the right rental car insurance is your safety net in the event of unforeseen circumstances.

Vehicle rental excess insurance

What is insured?

• Excess reimbursement up to US$ 4,500
• Damage Waiver (LDW) up to US$ 4,500
• Towing charges up to US$ 500
• Improper fuel charges up to US$ 500
• Loss or theft of keys up to US$ 500
• Vehicle return charges up to US$ 250
• Personnal belongings up to US$ 500
• Hotel expenses up to US$ 150

What is not covered?

• Damage to the vehicle or property of a third party
• Damage caused by a person not authorized to drive the rented vehicle
• Mechanical failure of the rented vehicle
• Loss or damage to the vehicle’s interior that is not related to a collision.
• Parking tickets or fines, traffic violations and such
• Any loss that occurs outside the validity of the insurance
• Any rental contract of more than 45 days

Is the coverage subject to any type of restrictions?

• Any claim resulting from a direct breach of any of the terms and conditions of your rental agreement
• Any person under 21 or above 84 years of age
• Rentals that begin or end outside the insurance period, as indicated on the insurance certificate
• The policyholder must be designated as the main driver in the rental agreement
• The maximum amount that can be claimed for a single loss is US$ 4,500
• Damage to Recreational vehicles (RVs) / Motorhomes / Campervans (unless you have purchased a specific cover)
• Damage to vehicles provided by a peer-to-peer vehicle rental service platform or a subscription vehicle service is excluded (unless purchased specific coverage)..

Where do I have coverage?

• Anywhere in the world except trips in, to or through Afghanistan, Cuba, Congo, Iran, Iraq, Ivory Coast, Liberia, North Korea, Myanmar, Russia, Sudan, Syria, Ukraine and Zimbabwe

What are my obligations?

• When applying for your policy, you must exercise reasonable care to honestly and carefully answer any questions asked.
• You must take all reasonable steps to avoid or reduce any loss (for example, you must report accidents or other damage to your rental company nd to CarInsuRent as soon as reasonably possible).
• If you make a claim, you must provide the documents and other evidence that claims handlers need to process your claim.
• You must repay any sums to which you are not entitled (for example, if we pay your claim for an accident which is later compensated by a third party).
• You must not violate the terms of the rental agreement.

When and how do I make the payment?

• The premium must be paid in full before the policy start date. Payment can be made by credit or debit card or PayPal through our website

What is the start and end date of coverage?

• As set out in the insurance certificate, as agreed in the application process, your policy will cover you from the start date and time of your booking to the end date and time of your booking.

How do I cancel the contract?

• You can cancel your policy before the start date or within 14 days from your purchase through our customer service team.

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Rental Car Insurance in Germany Comparison: CarInsuRent vs. Cost at Counter

We compared and analyzed Super Collision Damage Waiver costs for a 7-day rental of a standard car class (July 1st – July 7th). The car rental insurance rates listed here are subject to change by the car rental companies without notice. For the most up-to-date pricing information, we encourage you to request a free online quote prior to booking. Our car hire excess insurance for rental vehicles in Germany offers the same coverage at a 70% lower cost!

Avis Rental Car Insurance in Germany

The Importance of Rental Car Insurance for Germany

Rental car insurance is an essential consideration for any traveler planning to rent a car in Germany. It’s important to understand the various insurance options and requirements before picking up the rental vehicle. While car rental insurance is not legally required in Germany, it’s highly recommended, especially for foreign drivers, due to the complexities of driving in a new country and navigating unfamiliar roads. Without adequate insurance, you may be held responsible for any damage to your rental car, which can result in unexpected and significant expenses. In addition, rental car insurance can provide coverage for medical expenses or property damage to third parties, which can be financially crippling if an accident occurs. Some rental car companies may require you to purchase at least the minimum coverage, while others may offer a damage waiver with a deductible that can be reduced for an additional fee. In any case, you should carefully read the rental agreement and insurance policies before making a final decision. 

Rental Car Insurance for Germany Explained 

When renting a car in Germany, it’s important to understand the types of rental car insurance that may be available to you. Here are some key points to consider based on the provided search results:

1. Collision Damage Waiver (CDW): This type of insurance is highly recommended in Germany as it limits your liability for vehicle damage in case of an accident. However, it’s worth noting that CDW usually has a deductible amount, which means you may still be responsible for a portion of the repair costs.
2. Theft Waiver: This type of insurance removes the driver’s responsibility in case of the vehicle being stolen, but it’s worth noting that southern Germany may be excluded from coverage.
3. Super Collision Damage Waiver (SCDW): This option allows you to reduce your deductible amount for CDW and other types of insurance. This means that if you have an accident, you’ll be responsible for a smaller amount of the repair costs.
4. Third-Party Liability Coverage: Every car in Germany is required by law to have third-party liability coverage, which is known as RCA (Responsabilità Civile Auto). This coverage should be included in every rental without extra charge, but there may be a minimal coverage cap required by law.
5. Personal Accident Insurance (PAI) covers the driver and passengers in the event of an accident. PAI may provide coverage for accidental medical costs, emergency care, and accidental death resulting from an accident. The coverage limit of PAI may vary depending on the specific policy and insurance provider. It is important to note that PAI only covers accidental injuries resulting from an accident and not sickness or natural causes.

It’s important to note that the availability and specifics of rental car insurance options may vary depending on the rental company and the type of car you’re renting. Before renting a car in Germany, it’s important to do your research and understand the insurance options that are available to you. You can also request a free online quote to get more information on pricing and coverage options.

Rental Car Insurance in Germany Cost

Rental car insurance cost in Germany can vary depending on the provider and coverage selected. The cost of Collision Damage Waiver (CDW) and Theft Protection (TP) with zero excess can range from $24 to $55 USD per day, with the deductible cost ranging from €250 to €2,000. This coverage can be supplemented with CarInsuRent to further reduce the deductible amount, costing between $4.5 per day to $94.90 for an annual car hire excess insurance policy policy with a zero excess charge.

Sixt Rental Car Insurance in Germany

Benefits of Having Rental Car Insurance for Germany

Rental car insurance in Germany when renting a car in Germany provides several benefits to renters. Here are some of the advantages of having rental car insurance for Germany:

1. Protection against damage: Rental car insurance protects you from any liability that results in death, injury to others or any property damage that is caused while you are driving your rental car in Germany. In Germany, the collision damage waiver is highly recommended as it limits your liability for vehicle damage.
2. Theft protection: Rental car insurance also covers you in case the rental vehicle gets stolen while it is under your possession. However, some regions in southern Germany may be excluded from theft waiver coverage.
3. Cost savings: While the cost of rental car insurance may seem high, it can help you avoid the costly financial liabilities that may arise from accidents or theft. Additionally, there are ways to save money on your rental in Germany, such as renting from a branch outside of an airport or train station to avoid the premium location fee and filling up your tank before returning your vehicle to avoid extra refueling charges. By purchasing insurance coverage in advance, you can avoid being charged significantly higher rates at the rental desk.

In summary, having rental car insurance in Germany can protect you from potential financial liabilities and give you peace of mind while you enjoy your trip. It is important to research and understand the coverage options and costs to make an informed decision that best fits your needs. CarInsuRent car rental excess insurance starts from as low as $6.49 per day* to $94.90 for an annual policy. Our policies covers the excess on damage and theft to your rental car up to €2,500 and provide full protection that Includes single vehicle damage, roof and undercarriage damage, auto glass and widescreen damage, towing expenses, misfuelling, loss of car key and tire damage. We cover multiple drivers between the ages of 21 and 84 years.

Damage to rental car

Rental Car Insurance for Germany– Your Options

Purchase Car Rental Insurance Directly With the Rental Company

• Rental company’s insurance – Most rental car companies offer their own insurance, which typically includes damage cover (CDW), theft cover (Theft Protection), and third-party cover (Third-Party Liability). These types of insurance options usually come with an excess, which is the first part of the bill that the renter will be responsible for. The rental company’s insurance is convenient, but it can be expensive and may not provide comprehensive coverage.

Cover Your Excess Through CarInsuRent

• Third-party car rental insurance – Third-party rental car insurance is an affordable option that can provide comprehensive coverage for rental cars. This type of insurance typically covers collision damage, theft protection, and liability, and may offer higher coverage limits than rental company insurance. It can provide a cost-effective alternative to rental car company insurance.

Personal auto insurance policies

• Personal auto insurance policies may cover rental cars, but it depends on the policy and the coverage. If the policy includes collision and comprehensive coverage, it may extend to rental cars. However, liability coverage may not extend to rental cars, so it’s important to check with the insurance company before renting a car in Germany.

Travel insurance –

• Travel insurance may offer coverage for rental cars, including collision damage and theft protection. However, it is important to check the policy to confirm the coverage and any limitations or exclusions.

Credit card rental car insurance benefits – 

• Some credit cards offer rental car insurance benefits, which may include coverage for damage and theft. However, the coverage and limitations can vary by credit card, so it’s important to check with the credit card company to confirm the coverage. Check if your personal insurance or credit card covers rental car insurance. 

Don’t Buy Any Additional Insurance At All

• You are not required by law to buy a Rental Vehicle Excess Insurance or a Collision Damage Waiver. Such products are completely optional.  In case of an accident (whether major or minor), rental companies would quickly bill your credit card the maximum damage. Excess fee can reach $3,000–$8,250 depending on the company and the type of car you rented.

Rental Company Insurance vs. CarInsuRent – Which Option is Best for You?

When renting a car, excess insurance is an optional add-on that can help reduce the excess amount that you would be liable for in the event of damage or theft of your rental car. Car rental companies charge for excess insurance by offering a CDW insurance Germany, which will reduce the renter’s financial liability in the event of an accident, and/or a Loss Damage Waiver (LDW), which will cover the cost of repairing or replacing the rental car in case of damage or theft. The cost of CDW and LDW can vary significantly from one rental company to another and can depend on the type of vehicle, the location, and the duration of the rental. 

On the other hand, third-party providers like CarInsuRent offer excess cover insurance, which is usually more affordable and comprehensive than CDW or LDW offered by rental companies. The excess cover insurance from CarInsuRent will provide you with coverage for the excess amount that you are liable to pay in case of damage or theft of the rental car, and it can be purchased separately from the car rental agreement. Excess cover insurance can be purchased at any time before the rental period and it can be customized to fit your needs, which can be a more flexible option than the insurance offered by rental companies.

How to File a Claim

What to Do in Case of an Accident or Damage – If you are involved in an accident while driving a rental car, there are certain steps you should follow to file a claim with the rental car insurance company. First, exchange personal information with the other driver, including name, address, license plate number, rental vehicle information, insurance company, and policy number, and document the accident with pictures and notes. If the other driver is at fault, you should get their contact and insurance information and call their insurance company directly to file a claim. If you are at fault or have non-collision damage, you can file a claim with the rental car insurance company. The process for filing a claim with the rental car insurance company may vary depending on the provider, but typically, you would need to provide details of the incident, including the date, time, and location of the accident, as well as any police report numbers, if applicable. Additionally, you may need to provide documentation of the damage, such as photographs or repair estimates.

Required Documentation for Filing a Claim

• A copy of the Certificate of Insurance
• A copy of the rental agreement
• A copy of the police report if:
  • you got in an accident with a third party
  • It is legally mandated in the country of incident
  • your claim is about stolen personal belongings
• A copy of the damage report given by the rental company, detailing each cost incurred. Photographs of the damage are optional but may help ensure that the charges are reasonable.
• Detailed repair receipts, invoices or other documents showing the breakdown of the amount the rental company charged you for the accidental damage or loss
• A copy of your credit card statement that reflects your payment for the claimed damages
• A copy of the driver’s license of the person driving the car during the accident

What Documents Do I Need to File My Claim?

Tips for a Smooth Claims Process: Filing an insurance claim can be a complicated and stressful process. The following tips can help ensure a smoother claims process:

• Document everything: Documenting all the details of the accident or loss, including taking photos and notes, can help speed up the claims process and reduce the possibility of disputes.
• Communication: Communication is key in any insurance claim process. Keep thorough records of all communication with the insurer, and discuss your expectations for the claims process with the adjuster. You can also ask about the frequency of updates and the preferred type of communication.
• Avoid duplicate claims: Avoid submitting duplicate claims, as it slows down the claims payment process and creates confusion.
• Understand your coverage: It’s important to understand your insurance coverage, including the limits and deductibles, before filing a claim. Understanding your policy can help ensure that you receive the maximum benefit to which you are entitled.
• Be patient: Claims processing can take time, so it’s important to be patient. 

By following these tips, you can help ensure a smoother claims process, and increase the chances of receiving the maximum benefit that you are entitled to under your insurance policy.

Claims Process 

By following these tips, you can help ensure a smoother claims process, and increase the chances of receiving the maximum benefit that you are entitled to under your insurance policy.

Final Thoughts and Recommendations

According to our study on European car rentals there is a rising preference for comprehensive car rental insurance packages among travelers, particularly for collision and theft coverage, as nearly 65% of travelers opt for these add-ons to avoid high excess costs, as many rental agreements in Europe, including Germany, have excess fees, sometimes as high as €4,000. 

If you are planning to rent a car in Germany, it is important to have a good understanding of the different types of insurance available to you. The law in Germany requires that you must carry certain types of insurance: Collision Damage Waiver (CDW) and Theft Protection. You can purchase this insurance from the rental car company, but it may come at a high cost. Therefore, it is recommended to shop around, compare prices before making a final decision.

In conclusion, having rental car insurance in Germany is mandatory by law, but you can save money by shopping around and buy the best car hire excess insurance. Ultimately, understanding the different types of insurance available to you and making an informed decision can help you have a stress-free and affordable car rental experience in Germany.