(+44 118 321 8197 from abroad)
| Monday to Friday | 10am - 4:00pm |
| Saturday, Sunday & Bank Hols | Closed |
Looking for something specific?
Use our search tool to browse our database of frequently asked questions!
What Insurance Cover is Provided with an SLI Policy?
We explain what happens if you need to make an insurance claim on your SLI Policy.
This insurance covers you for claims made by third parties for either damage to their property (say their car) or injuries to themselves.
In Europe, Australia, New Zealand, Africa and most parts of the Middle and Far East this is normally already included within the minimum insurance provided by your hire company.
In the US, Canada and the Caribbean (and a few other countries around the world) whilst some liability insurance may be included in the car hire package, it is likely to be at a level which does not offer enough cover.
For instance in a number of US states the legal minimum level of liability insurance a car rental company must provide is below $15,000. If you do not take any extra insurance you could be left with a large bill if you are involved in a serious accident. 'Top up' or Supplementary Liability Insurance can be bought to increase cover to a higher limit.
It is important to make sure that you do have primary third party cover from your rental firm even if it is to a low level. This is because the level of protection offered by policies shown on our service is either lower - or nothing at all - if you do not have the primary cover from the rental firm.
If you have bought one of the policies that do not offer primary cover and you did not have the State Minimum or local primary cover you could end up with no third party cover at all - so it's really important to check this.
For a detailed breakdown of US minimum SLI levels read our guide.
It is important to note that the 'primary' liability insurance supplied by your local rental firm would provide cover for the first part of any claim, with the supplementary cover coming into force for larger claims.
This is why the insurance policies offering Supplementary Liability Insurance are so affordable - because most claims are fairly modest and therefore are covered by the first part through the rental firm - it's only when third party damage is for a sum greater than the State Minimum Liability limit that your policy would be called upon.
If you are involved in an accident you should refer to your car hire insurance company as they will want to get involved and hep you with the claim..
Details of companies offering supplemental liability cover are found when asking for a quote from the MoneyMaxim car hire insurance service. Policies bought through this service are normally a fraction of the cost of policies bought at the car rental desk and can top up any locally provided liability insurance to $1m.
Visit the MoneyMaxim car hire insurance comparison site - 100 quotes reviewed in 60 seconds!
If you are looking for car hire quotes visit our car rental comparison service here
This content was last reviewed on 06/03/2024
Similar Questions
Combined Worldwide CDW, SLI & Excess Policy Questions Answered
- Is Collision Damage Waiver (CDW) the same as Loss Damage Waiver (LDW)?
- What are the features of the CDW/LDW & SLI Policy?
- What does the term Collision Damage Waiver mean?
- Collision Damage Waiver Insurance - We explain what it is
- What cover is provided by the Combined Worldwide CDW, SLI & Excess Policy?
- What are the features of a Combined CDW, SLI and Excess policy?
- Is independent car hire insurance suitable for fly-drive holidays?
- Can I buy independant car-hire insurance for my fly drive holiday?
- Theft Protection - Car Hire definitions
- What Insurance Cover is Provided with an SLI Policy?
General Car Hire Insurance Questions Answered
- Does it matter what time of day I collect or return my hire car?
- What Does All Inclusive Car Hire Insurance Cover?
- What is Personal Effects Cover (PEC) and do I need it?
- Can a hire company refuse to accept a car hire excess policy?
- Do I need car hire cancellation insurance?
- What if I need a policy to cover two groups?
- Can I get car hire excess insurance to cover business use?
- Comprehensive Insurance on Rental Car - How to Make Sure You are Fully Covered
- Is damage to windows and tyres covered?
- Are there credit cards which offer Collision Damage Waiver (CDW) or Excess Insurance?
- Will car rental firms preauthorise on my credit card when I have car hire excess insurance?
- Does deductibles mean the same as excess?
- Do I need Car Hire Excess Insurance when I rent a car?
- How does your car hire excess insurance work?
- What if I have a problem printing or downloading the car hire insurance document?
- Does my car rental agreement already include insurance?
- Do I have to pay an excess if I buy a car hire excess insurance?
- Can I use motorhome hire excess insurance to cover peer-to-peer hires?
- Are other people travelling with me covered?
- No Excess Car Hire - What does this include?
- Will car hire insurance cover me if I pick the car up at one location and return it to another?
- Can I use car hire excess insurance to cover peer-to-peer hires?
- What is Personal Accident Insurance (PAI) and do I need it?
- What is covered by the Theft insurance included in the car rental price?
- What if I am unable to open my MoneyMaxim email with my car hire or car hire excess insurance quotes on?
- What does towing cover on car hire excess insurance include and how does it work
- Which insurance do I need for my car hire?
- What do zero excess car hire insurance policies offer?
Your Driver related Questions Answered
- What are the age limits on Car Hire Insurance policies? Are policies available for those over 85?
- Can I buy car hire excess insurance if I am under 21 years old?
- Do I need to buy a second excess insurance policy for an additional driver?
- Can I cover two or more lead drivers on one policy?
- Are other people travelling with me in my hire car covered?
Car Hire Companies - Your Insurance Questions Answered
- What insurance policies do Alamo offer?
- What insurance policies are offered by Auto Europe?
- What is Avis Insurance Cover like? Do they have CDW, Liability and Excess Waiver Cover?
- What insurance policies are offered by Budget?
- What insurance policies are offered by Car Hire Brokers? And are they a good deal?
- Does Sixt include CDW in its car hire packages?
- What insurance policies are offered by Dollar?
- What insurance policies are offered by Economy Car Rentals?
- What insurance policies are offered by Enterprise?
- What insurance policies are offered by Hertz?
- National Car Hire - are their Super Cover collision damage waiver excess policies a good deal?
- What insurance policies are offered by No Excess Zest Car Rental?
- What insurance policies are offered by Sixt?
- Super CDW, Deductibles and Non Waiver - What do they mean?
- What insurance policies are offered by Thrifty?
- My hire company offers Super CDW or Excess cover? What is this?
- Super CDW, Deductible or Non Waiver - Terms Explained
Daily and Annual Policy related Questions Answered
- What is an Annual Car Hire Excess Insurance Policy?
- What are the advantages of buying annual car hire excess insurance?
- What do you mean by annual policy? Can I use it throughout the year?
- What are the restrictions on the Annual Excess Policies?
- What does Daily Car Hire Excess Insurance mean?
- My car hire is for 31 days. Should I take a daily 31 day car hire excess insurance policy or an annual policy?
- Should I buy an annual Car Hire Excess Insurance policy or single trip policy for my upcoming hire car?
Excess Insurance Questions Answered
- What is Covered by Baggage and Personal Accident Cover?
- Excess Insurance covers the under-body, roof and tyres but does it cover me if I have an accident?
- What Cover does Car Hire Insurance provide for Carjacking and Road Rage?
- What Cover does Car Hire Insurance provide for Curtailment or Restitution?
- Do I still have to provide my credit card for the excess on my hire car when purchasing a policy from you?
- What is Excess Waiver Insurance?
- What Countries are designated European for Excess Insurance?
- How do I know what the excess limit is for my hire car?
- What Cover is Provided by Car Hire Excess Cancellation Insurance?
- Do I have to have Excess Cover?
- Does Car Hire Excess mean I wouldn't have to pay for anything?
- What is an Excess on a Car Hire and what are my responsibilities for it?
- How large does my excess insurance limit need to be?
Vehicle related Questions Answered
- Do you cover vehicles such as Camper Vans, Caravans and Motor Bikes?
- Can I get excess insurance for a pickup truck?
- What cars are covered by car hire insurance?
- What kinds of vehicles can you be covered for by an excess insurance policy?
Purchase related Questions Answered
- Can I buy car hire excess insurance when I am not in the UK?
- How far in advance can I buy car hire excess insurance?
- Can I purchase your Excess Policies if I am not a resident of the UK?
- Can I just buy an insurance policy, or do I need specific dates to be able to buy my insurance?
- Is the price displayed a daily or total cost?
- When is the best time to get Excess Insurance?
Excess Insurance Questions Specific to Countries
- Which car hire excess insurance policy is best for car rental in Canada?
- Which car hire excess insurance policy is best for car rental in France?
- Which car hire excess insurance policy is best for car rental in Iceland?
- Which car hire excess insurance policy is best for car rental in Ireland?
- Which car hire excess insurance policy is best for car rental in Italy?
- Which car hire excess insurance policy is best for car rental in Portugal?
- Which car hire excess insurance policy will cover you best in Spain?
- Which car hire excess insurance policy is best for UK car rental?
Claims related Questions Answered
- How good are these companies at settling claims?
- How do I make a Claim on my Excess Insurance?
- Will a car hire accident claim affect my car no claims bonus?
- Does Excess Insurance cover Bodywork Claims?
- How are Excess Insurance Claims handled?
- How are worldwide policy claims handled?
- How are SLI/CDW Claims handled?
- Make Sure Your Car Hire Insurance Claim is Valid
Questions on CDW & SLI Policies for the USA and Canada Answered
- What are the restrictions on the CDW/LDW & SLI Policy for the USA and Canada?
- If I purchase a Collision Damage Waiver and Supplementary Liability Insurance Policy, am I fully covered for car rental insurance in the USA and Canada?
- What are the requirements for car rental insurance in the USA and Canada?
Geographical related Questions Answered
- Why are there restrictions on UK usage?
- In which countries is Excess/Super CDW not charged?
- In which countries is Excess/Super CDW charged?
- Do Worldwide Excess Insurance Policies cover you everywhere in the world?