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FAQ Section > Car Hire Insurance Frequently Asked Questions > Car Hire Insurance Baggage Cover

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

We explain exactly what Personal Effects Cover is, and whether you should consider choosing a policy which includes it in your car hire insurance.

Personal Effects cover - also known as Baggage cover - covers loss of possessions which are locked (and out of sight) in the car. Make sure you understand your obligations when leaving belongings in the car.

There are a number of ways you can ensure your belongings are covered whilst locked in your car. This could be through:

  • Specific possessions cover offered by the car hire company themselves.

  • A car hire excess insurance policy which offers possessions cover.

  • Your travel insurance policy.

  • Through the all-risks section of your home insurance.

With all these options you will probably be responsible for the first part of a claim - and depending on the size of the claim and your excess this might mean it would not be worth processing a claim in any case.

Also all policies will have stipulations as to how your possessions should be stored. Normally this means they have to be locked in the glove compartment or the boot. Often they cannot be left in the car overnight - so do read this section before just assuming you will be covered in every eventuality. Any good travel insurance will normally offer a higher level of cover.

Companies offering baggage cover are detailed on the MoneyMaxim car hire insurance service. Just click on the 'Details' section for any policy you are interested in from your results table once you have run a quote, and the level of baggage cover will be listed.

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If you have any queries do call a member of the MoneyMaxim car hire insurance team.

This content was last reviewed on 04/06/2019

Image courtesy of: Centralasian

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