Last updated: 12:00 AM ET, Wed October 28 2015

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  • Chris Slesarchik | October 28, 2015 12:00 AM ET

    3 Insider Tips About Car Rental Insurance in Italy

    3 Insider Tips About Car Rental Insurance in Italy

    PHOTO: Driving in Italy. (courtesy Auto Europe)

    Choosing the right car rental insurance in Italy is an important decision; and for good reason. Who wants to get stuck footing an enormous repair bill or being held liable for damages to another vehicle? An unfortunate accident can certainly put a damper on any vacation, but travelers can empower and protect themselves with the knowledge they need to make a well-informed purchase. There are plenty of options out there that can help you or your clients drive abroad without worry and a bit of insider knowledge can help save some cash, as well as headaches, too.

    Here are 3 insider tips about car rental insurance in Italy:

    1. Mandatory insurances are usually cheaper when included in a pre-paid rate

    Everyone knows that, unlike in many other European countries, basic CDW car rental insurance is mandatory in Italy. That is, you are legally required to have this coverage while driving a rental car in Italy, and the rental companies won’t let their car off the lot until they are sure you’re covered. The best way to cover all of your bases is to purchase the basic insurance coverage through the company you are renting from, but how can you be sure that you’re getting a good deal?

    Including CDW and theft insurance in a prepaid car rental rate is almost always substantially cheaper than booking a basic car rate ahead of time and opting in for insurance at the pick up desk. Waiting to purchase insurance until you arrive at your destination will subject you to daily fees that can add up to far more than a simple all-inclusive prepaid rate. Securing insurance ahead of time will bolster your peace of mind and maybe allow you to catch some extra sleep on the flight over, too.

    2. Not everything is covered under CDW and theft insurance

    While purchasing an inclusive rate with insurance ahead of time may protect from the biggest threats to your pocketbook (the value of the rental car in the event you get in an accident or the car gets stolen), be wary that you will still face some risks if CDW and theft protection are all you have. For one, CDW insurance will not typically cover damage to tires, windshields or undercarriages due to vandalism or misuse. Minor damage to the exterior of the car can still be taken from your deductible. In addition, while theft insurance may cover the cost of the rental car in the event that it is stolen, whatever personal belongings you have inside the car will not be covered. 

    For personal items and baggage, you will have to purchase additional insurance, usually available through your car rental supplier at the time of pick up (this is rarely able to be prepaid). In general, it is considered a best practice to leave your luggage in your hotel and never unattended in your rental car, just to be safe. Special coverage for windshields, tires and the undercarriage can also be purchased at the pick up desk and zero-deductible rental car insurance is a good fail-safe to limit the amount you can be held responsible for.

    3. Chances are, your credit card coverage does not include rentals in Italy

    If you plan on using car rental insurance provided by a credit card, be careful. There are almost no processors that currently offer coverage in Italy and failing to secure insurance ahead of time at a prepaid rate will subject you to the higher daily costs imposed for insurance at the counter. Check information on credit card car rental insurance and call your specific card provider to find out exactly what their policies entail, but be wary that credit card coverage in Italy is extremely rare.

    Not everyone does their homework before traveling abroad and, especially in the case of car rental insurance in Italy, a little knowledge can go a long way. Inform yourself on all available options as well as the laws and regulations, and you’ll be well-equipped to enjoy a worry-free driving vacation.


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Chris Slesarchik Europe by Car

Chris Slesarchik Chris Slesarchik is a member of Auto Europe’s marketing team with a passion for discovering new and exciting places. He has worked as a European car rental reservation specialist for Auto Europe, helping clients host their own adventures exploring the world abroad.
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