Collision Damage Waiver, Supplemental Liability Insurance and excess cover in one policy
Car rentals in the USA and Canada often exclude Collision Damage Waiver (CDW) and a level of liability cover that is offered as standard with car hires in many other parts of the world.
This is an annual policy and will cover your car hire excess worldwide, not just in the USA and Canada.
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Below is a summary of the key features and benefits of our car hire excess policy.
For full details, please see the policy wording
Below are some of the key exclusions you need to be aware of.
Full details can be found in the policy wording.
USA and Canada Car Hire Excess Insurance Plus CDW and SLI is a policy which covers your car hire excess, in addition to providing Collision Damage Waiver (CDW) and Supplemental Liability Insurance (SLI). If you’re hiring a car abroad (mainly US or Canada), you may need additional CDW and SLI coverage – it’s best to check your rental insurance to see if this is covered. If it isn’t, our Annual Worldwide Plus policy can provide this.
These terms are all interchangeable and mean the same thing as an 'excess'.
A Loss Damage Waiver (LDW) is just another way of saying Collision Damage Waiver (CDW).
Supplemental Liability Insurance (SLI), also known as Accident Liability Insurance (ALI), provides cover in the case that you injure other drivers or their vehicles. This tends to come as standard with car rentals in Europe, but in countries such as the USA and Canada, it often isn't included in your car rental. Our policy offers SLI for customers driving in USA, Canada, the Caribbean, Mexico, South and Central America only.
All car rentals include some insurance as standard, with an excess to pay towards car repair or replacement costs, should you need to make a claim. Car hire excess insurance will cover you against this cost. However, in some countries such as the USA and Canada, Collision Damage Waiver (CDW), which is often included as standard in Europe, is not included, meaning that if you were to damage the car, you would be liable for the full cost of repairing or replacing it. This policy combines excess insurance, CDW and SLI in one policy.
Coronavirus (Covid-19) – Update for insurance4carhire customers
While the scale and impact of the current coronavirus (Covid-19) outbreak remains unknown, insurance4carhire, part of The Ardonagh Group, has been working for some time to prepare for all potential outcomes for our business. We have a range of plans in place across The Ardonagh Group to serve the needs of our clients without interruption, while protecting the health and safety of our colleagues and other stakeholders.
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