Rental cars: insurance and responsibilities
DRIVING WITHOUT LIMITS? Borrowing other people's cars can mean freedom, but without the right insurance, this freedom could quickly turn into financial stress. Find out how you can protect yourself optimally and what you need to bear in mind to be relaxed on the road.
Anyone who occasionally drives someone else's car should consider taking out third-party driver insurance. This additional cover in personal liability insurance protects against high costs due to damage to the borrowed car. Do you regularly drive the same car? Then you could be registered as the most frequent driver on your existing car insurance policy in order to be fully protected.
Who pays for damage?
Minor accidents on the road can happen quickly, especially with an unfamiliar vehicle. If the borrowed car has fully comprehensive insurance, most damage is covered. But beware: as the driver, you may have to pay the excess and a possible loss of bonus. Without comprehensive cover, the financial risk lies entirely with you.
International driving tips
When driving abroad in a privately rented vehicle, the same rules apply as in Switzerland. Nevertheless, it is advisable to carry a user permit to avoid misunderstandings and to ensure that all insurance policies also apply across borders.
Conclusion
Renting a car can be a practical and cost-effective option, but without the right precautions in place, unexpected costs can arise. With the right insurance, however, you are on the safe side and can enjoy your ride to the fullest.
