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What are the restrictions on the CDW/LDW & SLI Policy for the USA and Canada?

We explain things to watch out for when buying a CDW, LDW, and SLI Policies for use in the United States of America and Canada

The main restrictions are as follows, but do refer to individual policies for the finer details:

  • Policies are available for those between the ages of 21 and 85. However be aware that some car hire firm impose a requirement that younger drivers (up to the age of 25) take their own excess insurance - check this with your car rental firm if you are in this age group.
  • Rental periods must not be longer than the period detailed in your policy - for annual policies this is normally either 31 or 60 days. Single trip policies cover periods of up to 180 days.
  • Not valid for passenger vehicles with more than 9 seats,commercial vans, camper vans, mobile homes or motor cycles, although seperate policies are available covering Motorhome Hire Insurance.
  • Not normally valid for expensive or exotic cars (policies normally have a limit between US$50,000 and US$80,000) or antique vehicles (that is vehicles over 20 years old).
  • Residents of the USA and Canada cannot be covered.

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This content was last reviewed on 29/10/2014

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