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What are the Features of Combined Collision Damage Waiver Supplimentary Liability and Excess Insurance Policies?

The policies, in broad terms, covers the following:
CDW (Collision Damage Waiver)/LDW (Loss Damage Waiver) offering cover of US$50,000 or more in those countries where CDW/LDW is not already included in the rental price (predominently the USA, Canada, the Caribbean and South America).

Supplementary Liability Insurance (SLI) tops up your liability insurance to at least US$1 million in those countries where SLI is either not already included in the rental price, or is lower than the rentor is comfortable with (liability Insurance in some locations is as low as $25,000). It is predominantly used in the USA, Canada, the Caribbean and South America.

Covers Excess in countries where CDW is included in the rental price and Excess is charged (mainly, but not exclusively) Europe, including the UK, Africa, Australia, New Zealand and most parts of the Middle and Far East.

Covers the Policy Holder and additional drivers named on the car rental agreement. (Some policies require additional drivers to be named, and limit them to between seven and nine in total, some are more flexible).

This is a reimbursement insurance which means that under the excess insurance and for small claims for CDW/SLI cover it is likely that your credit card will be debited with either the costs involved or the total excess (whichever is smaller) and you then claim these costs back from the insurance company.

These policies cover the Policy Holder, not the rental vehicle. If there is damage to the rental vehicle the car rental company will not become involved unless it is a reasonably large claim under a CDW/SLI policy. The policies detail the normal claims procedures which are pretty straightforward, but if you have any queries just talk to your insurer - they will be delighted to help, partly as it's in their interest to get it right! In some cases the insurance companies underwriters will liase directly with the car hire company or their loss adjusters.

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General Car Hire Insurance Questions

Excess Insurance Questions

Questions on CDW & SLI Policies for the USA and Canada

Combined Worldwide CDW, SLI & Excess Policy Questions

Driver related Questions

Car Rental Keys Questions

Car Hire Companies - Insurance Questions

General Car Hire Queries

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Car Hire Excess Insurance
General Car Hire Insurance Questions

Do I need Car Hire Excess Insurance?

How does your Insurance work?

What does All inclusive Car Hire Insurance Cover

No Excess Car Hire - What does this include?

Does my car rental agreement already include insurance?

Why are there restrictions on UK usage

Can a hire company refuse to accept a car hire excess policy?

Are other people travelling with me covered?

Is window and tyre damage covered?

Can I purchase your Excess Policies if I am not a resident of the UK?

Do you cover vehicles such as Camper Vans, Caravans and Motor Bikes?

Super CDW, Deductables and Non Waiver - What do they mean?

My hire company offers Super CDW or Excess cover? What is this?

Will car hire insurance cover me if I pick the car up at one location and return it to another location?

Will the car rental company block any money on my credit card when I have your Excess insurance?

I have a credit card which covers my Collision Damage Waiver (CDW) - do I need your coverage?

Which insurance do I need for my car hire?

What cars are covered by car hire insurance?

What do you mean by annual policy? Can I use it throughout the year?

What is covered by the Theft insurance included in the car rental price?

What is Personal Accident Insurance (PAI) and do I need it?

What is Personal Effects Cover (PEC) and do I need it?

Do I need car hire cancellation insurance?

How good are these companies at settling claims?

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Questions on Excess Insurance

Do I have to have Excess Cover?

What cover is provided by the Annual Excess Policies?

What are the restrictions on the Annual Excess Policies?

In which countries is Excess/Super CDW charged?

In which countries is Excess/Super CDW not charged?

What is Excess Waiver Insurance?

How do I make a Claim on my Excess Insurance?

How are Claims handled?

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Car Hire Excess Insurance
Combined Worldwide CDW, SLI & Excess Policy Questions

What cover is provided by the Combined Worldwide CDW, SLI & Excess Policy?

What are the Features of this Policy?

How are Worldwide Policy Claims handled?

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Questions on CDW & SLI Policies for the US and Canada

Explain the requirements for car rental insurance in the USA and Canada?

If I purchase this Policy, am I fully covered for car rental insurance in the USA and Canada?

What are the Features of the CDW/LDW & SLI Policy?

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

Why do you not recommend this insurance for fly-drive programmes?

How are SLI/CDW Claims handled?

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Car Hire Companies - Insurance Questions

What insurance policies are offered by Alamo?

What insurance policies are offered by Auto Europe?

What insurance policies are offered by Avis?

What insurance policies are offered by Budget?

What insurance policies are offered by Car Brokers?

What insurance policies are offered by Dollar?

What insurance policies are offered by Enterprise?

What insurance policies are offered by Economy Car Rentals?

What insurance policies are offered by Hertz?

What insurance policies are offered by National?

What insurance policies are offered by No Excess Economy Car Hire?

What insurance policies are offered by Sixt?

What insurance policies are offered by Thrifty?

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Car Hire Excess Insurance
Driver Related Questions

Young Drivers (under 25 years old)?

Am I too old to hire a car?

Does it cost more for additional drivers?

Do all drivers have to take their driving licence with them?

Are other people travelling with me covered?

Do I need an International driving licence?

What happens if I forget my driving licence?

Do I have to carry my driving licence with me when I am abroad?

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car hire
Car Rental Keys Questions

Do car rental companies have spare keys?

What do car rental companies typically charge if you lose the keys to your rental car?

What does lock out cover mean?

What does key replacement insurance cover?

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Car Hire Excess Insurance
General Car Hire Questions

Am I able to accept an upgrade?

What happens if the car rental company do not have the car I have been booked?

Whats the maximum number of passengers I can take in my hire car?

Does it matter what time of day I collect or return my hire car?

I booked snow chains, a roof rack or a roof box - what happens if there are not there when I arrive?

Can I pick my car up in one place and return it to another?

What methods of payment are acceptable for payment of my policy?

If I arrive late and want to pick up my vehicle the following day is this OK?

What if I am overcharged or don't get the car group I booked?

When is a weekly rate best for me, and does it affect my car hire insurance policy

What happens if the model I have booked is unavailable?

Will I get a Sat Nav with my car hire car?

Do hire car cars have to be of a certain age or quality?

What happens if the car or the boot is not big enough for my party?

What fuel rules apply to car hires?

I have been asked for a cleaning fee when the car is returned - is this fair?

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moneymaxim always recommend you take independent financial advice before acting on any article. Any views expressed are those of the editorial team at the time of going to press, and should not be considered as either recommendation or specific advice. Readers should be aware that no warranty is given that the details are correct and are recommended to read any policy documents carefully before entering into any contract.