Please sign in to post.

Car Insurance and Driving Conditions

Hi,
My wife and I (from the USA) will be visiting Scotland for two weeks starting next week. We’ll be picking up a rental car from Hertz at Edinburgh Airport and plan to visit the Isle of Skye, Belfast, and Northumbria.

We didn’t purchase any additional insurance through Hertz, as we have coverage through a credit card, which only covers the rental car itself.
Do you have any recommendations for short-term car insurance that would cover liability for others during our 15-day trip?

Do we need to be aware of any road conditions since it’s starting to get some snow in north of Scotland?

Thank you in advance for any advice!

Posted by
2599 posts

In the UK, insurance that covers people and things outside the car is called third-party insurance. It's a legal requirement and is included in the overall cost of the car hire. Insurance that covers the car itself will either be your insurance or insurance sold by Hertz.

You're not planning on taking the car to Belfast are you?

Posted by
2599 posts

will Hertz allow you to take it to Northern Ireland?

Have you looked at the cost of the ferry?

Posted by
3 posts

Hertz seems okay with taking car on ferry to Belfast as it’s still winning UK. If I have to take it to Ireland, I would need an authorization.
https://www.hertz.com/rentacar/reservation/reviewmodifycancel/templates/rentalTerms.jsp?KEYWORD=DRIVINGRESTRICTIONS&EOAG=LHRT50

Ferry cost is very high, it comes upto 450 USD for two people on a round trip with car. Quite expensive.
One other option I could think of would be to have a car parked in a safe location before getting on to ferry.

Posted by
2599 posts

Look into flying from Newcastle, Edinburgh or Glasgow to Belfast

Posted by
8005 posts

If taking the ferry over to Northern Ireland (as opposed to flying) it is vastly cheaper to off rent at Glasgow, take the bus or rail/bus combo to Northern Ireland and rent another car in the province.

You can also fly from both Glasgow (Thursday to Monday on Loganair) and Edinburgh (Edinburgh started on 4 November on Easyjet.on a Monday and Friday) to the City of Derry airport.. Very handy for the Causeway coast.

Everyone on this forum focuses exclusively on the two Belfast airports.

Hannons Bus will take you from Glasgow to Belfast driving on and off the ferry with you, so totally painless. Your luggage stays in the hold of the bus for the ferry crossing.

Posted by
2413 posts

hey hey
check if you will need an IDP (international driving permit) AAA.com/IDP in the country you are planning to drive in, get it ASAP
some countries require it even car rental kiosks. definitely if you are you are stopped by police, expensive fine. good luck & enjoy
aloha

Posted by
16330 posts

You don't need an IDP for the UK.

All an IDP does is translate your drivers license into a standard format for those who don't speak English.

Where do you plan to visit in Northern Ireland besides Belfast? You may not need a car or only need it a few days.

Posted by
770 posts

Hertz may demand a letter from your credit card company confirming your coverage.

Posted by
1297 posts

One thing to bear in mind when driving particularly on Skye is that the road condition is absolutely dreadful once you get off the main roads. To get to any of the main tourist spots, e.g. Fairy Pools and Neist Point you will be driving on poorly maintained single track roads, that have been totally trashed by a summer of heavy traffic. The roads are basically a series of potholes linked by some random stretches of tarmac. Now as a local (who lives on the road to Neist Point), I know where the worst potholes are and can adjust my speed accordingly, but every single time I go out I encounter one or more rental cars stranded with flat tyres, caused by our potholes.

You will need to ensure that you have insurance that covers the tyres. This is often not included in standard car rental insurance. If you have the insurance and you have a problem you call the rental people who arrange recovery and repair. But on Skye there are only two garages who contact to the rental companies to do this work. You will likely be waiting at the side of road for several hours.

If you do not have this insurance you would need to call the only garage who deal directly with the public for tyres. They are called Ewan MacRae. I know from experience that they are extremely busy with their mobile tyre truck and people can wait as much as 4 hours from them to arrive. Only yesterday evening I rescued some visitors who'd hit a pothole and were stranded by the side of the road in the dark and rain. I brought them back to my house and called the garage for them. They didn't have insurance via their rental company and the cost of one tyre plus call out was £350.

This is a long winded way of saying that you might well regret not taking the insurance offered by the rental company.

Posted by
991 posts

Allianz has a One Trip Car Protector plan that may work for you. I would definitely have some form of additional insurance that just your credit card coverage.

Posted by
1169 posts

I don't understand why having redundant coverage could be a good idea; in fact, buying separate coverage likely will void the protections offered by your credit card. Also, I've never had an auto rental agency require any sort of letter from my (insurance-providing) card issuer in numerous rentals on the Continent, in Ireland and in the UK. But I've never traveled to Northern Ireland, which might add a complication. And I've not driven on Skye. Perhaps separate tire damage coverage is desirable, assuming it's available.