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It depends on the company you are looking to hire from - some such as Economy Car Hire do offer good cover (although they exclude wheels, tyres, undercarriage etc. unless an additional premium is paid). On the other hand we also hear some horror stories from others.
The important thing to note are excluded areas - almost all rental firms (unlike the insurers featured on the MoneyMaxim car hire insurance service) exclude the glass (windows, lights and mirrors) wheels and tyres, roof and underbody of the car.
Some however go further and also exclude other damage caused by what they deem as negligence - and an example of that could be damage inflicted in a car park (by you or a third party). We have never seen one of our insurers quibble over such a claim.
We therefore suggest you read the details of your responsibilities carefully when renting the car to ensure you are comfortable with the cover being offered, and if you are not comfortable consider obtaining a quotation through the MoneyMaxim car hire comparison service which offers quotes for both your car rental and car hire insurance policy independently of each other. It can frequently be the case that prices through 'no excess car hire' companies are at a premium to those from standard rental companies meaning this method often delivers cheaper results overall.
One last point to make is that often the cover provided by car rental firms comes in the form of a waiver rather than an insurance. This means that if you have any problems you do not have the fall-back of a regulator such as the Financial Conduct Authority if you do not agree with the way a claim is handled.
If you have any queries do call a member of the MoneyMaxim car hire insurance team.
This content was last reviewed on 28/10/2014