Hi, and thanks for reading my post.
We are traveling to England in April. We've never bought travel insurance, but after our rental car was slightly damaged last September (rock thrown up on motorway, large circular crack in windscreen, as well as some weird scratches on the hood/bonnet), we do not want to risk having anything worse happen to a car we're renting. We used the Amex CDW waiver provision, but as we understand it, that is supposed to be secondary insurance after your primary insurance covers any damage. Well, since State Farm does not cover us in any way in England, we in effect did not have a primary insurance. In any case, Europcar never provided any documentation to Amex so the case was closed.
I've been doing research and it seems that no travel insurance company provides ONLY rental car insurance, but that this is an upgrade in their comprehensive plans. That is all well and good, although we will be paying for coverages we are not likely to need. My concern is that on one of the websites I've looked at, mention was made that some rental car companies DO NOT ALLOW coverage from travel insurance companies, only their own. That didn't make much sense to me but since the car is their property, I suppose they could refuse to deal with the travel insurance company.
Can anyone give me some feedback about how to handle car rental insurance in England? I really want zero liability. Thanks again,
Jackie
p.s. I tried to search for any previous posts on this subject but got no hits.