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Insurance for USA car hire

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I'm not sure if this should be in here. If not feel free to move it to its proper home.

 

Okay, so we're going on holiday to the US in a couple of months, flying with Virgin Holidays. We've also hired a car for the duration of the holiday. I was on with Virgin yesterday about airport assistance and the rep I spoke to told me that the car hire doesn't include insurance, and if I can't show the hire company, Alamo, that I have valid insurance then they will charge me for it when I get there.

 

I see there are companies here which provide international car hire insurance for an nth of what the hire companies charge. But before I take it out, will it be deemed valid by the hire company? I know they want you to take their insurance so they get the commission.

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Yes you can take out Insurance and not pay the hire companies premiums.

 

But you then take on risk of having to pay amounts after an accident before your own Insurers pay out. With the rental car companies own Insurance, they would deal with everything for you.

 

I have read of people having problems with own Insurance arrangements, so read up on it and see if the saving is worth it.

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Often there IS some insurance offered by the hired, but it is basic only.

Check what basic cover they provide, and if it is the CDW and SLI they would want to charge for, look for that (supplrmental) cover

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Thanks guys. Yeah it is cdw and sli. But Alamo themselves state that these are not compulsary and that it is fine with the basic insurance. But I've been recommended to check out a company called questor. I've got a quote for annual full insurance, including cdw an sli, for 2 drivers, for £52-odds. So I'm gonna go with that to be safe.

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