I am having a real problem figuring out insurance coverage for rental cars in Scotland - (and then I need to figure out Ireland as we will rent a car there as well). In Canada we have 3 coverages - 1. Collision will cover damage to your car. 2. Comprehensive covers hit & run and things like if a tree branch falls and damages your car and 3. the big one as far as we are concerned Liability which covers the cost to repair someone else's vehicle if we are at fault and if they sue us.
Our insurance in Canada only extends coverage if we rent in Canada and the US.
So many people say that their credit card covers insurance of a rental car in Scotland and that is true in that they cover the Collision portion and usually up to a certain maximum like $65K on Infinite Visa. It DOES NOT cover Liability.
So my next thought is, maybe Scotland has 'no fault insurance' whereby if you hit someone, they pay for their damage and you pay for your own thereby they cannot sue you.
I am wondering this because no one seems to be as concerned about it as we are so I feel like I'm missing something. By the way we did look into buying the insurance that can be purchased with the rental car company and it was $300 for the car and $600 for insurance and I think that was with a $2000 deductible. We could do this but I think there must be a better alternative and we certainly don't want to over-insure but we don't want to find out that we are under-insured if an accident happened.
I'm really hoping Rick that you will weigh in on this with a definitive answer and then we can make an informed decision.
Thank you to anyone who has any answers to this question.