If you are hiring a car in the UK, Europe, South Africa, New Zealand and Australia your car rental agreement will include cover for: CDW (Collision Damage Waiver), also known as LDW (Loss Damage Waiver), Third Party Liability and Theft.

There may be an Excess on the CDW and Theft part of the rental agreement. Occasionally car rental providers will offer a ‘zero excess’ policy. If you wish to reduce your excess to zero you can do so at the car rental counter when you collect the vehicle or via a 3rd party company such as Insurance 4 Car Hire.

If you are hiring the car in the USA, Canada, the Caribbean and South America, it is generally the case that your car rental will not include insurance. The renter must purchase CDW (Collision Damage Waiver)/LDW (Loss Damage Waiver) and Supplemental Liability Insurance. This is sold at the car rental counter and will cost between US$ 20 and US$30 a day.