Whenever you rent a car without any valid personal car insurance policy, you are required to buy a rental car insurance policy. However, some people feel that it is very troublesome to buy a rental car insurance everytimes they are going to rent a car. That's why non owned car insurance is a good option to consider.
If you have read through our previous articles on rental car insurance and non-owned car insurance policy, you must be quite clear about what's all about. So, why it is good to buy non-owned car insurance and why more and more people are buying non owned car insurance?
The single and biggest advantage of buying a non owned car insurance, as you can tell, of course, is that you no longer need to buy rental car insurance every times you decided to rent a car. The premium that you pay for your non-owned car insurance policy will be much cheaper when you sum up the total cost of buying a rental car insurance every times you rent a car against the cost of a non owned car insurance policy.
Do the maths and you should be pretty clear about whether you are going to buy a non-owned car insurance policy. If you rent car often, go ahead and buy. If you don’t, then, it is to your disadvantage if you buy.
Although non owned car insurance policy seems to have an advantage for frequent car rental people, there is something you need to take note of. It does not provide collision coverage. Now, collision coverage is important because in event that your car crash into others or overturns, it can covers the payment for damages to the car. So, without this coverage, you might still be at some risks.
The good thing is most credit card company do provides this coverage free of charge if you charge your rental cost to the card. So, you can actually take advantage of it by paying your car rental cost through credit card. If you don’t, it would be advisable that you purchase the collision coverage from the car rental company. Don’t ever rent a car without collision coverage.
Before you proceed to buy the non-owned car insurance or rent car, check out our article on the car rental requirement that need to be fulfill. The first and most important requirement is you must have a valid driving license before you can rent a car.
For more assistance on car insurance matters, please check out all our archives.
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