Should You Get Insurance for Additional Drivers When Hiring a Car?

What Is Insurance for Additional Drivers?

Insurance for additional drivers, also known as named driver insurance, is a type of car insurance policy that covers multiple drivers when they use the same vehicle. The policy covers all named drivers who are listed on the policy, regardless of who is driving at any given time. This type of insurance is ideal for families who need to share the same car, or people who are planning a road trip with friends and family.

When renting a car, most rental companies provide basic insurance for the primary driver, but may not include insurance for additional drivers. This means that if you plan on taking turns driving with someone else, you may need to purchase additional insurance coverage to ensure that everyone is covered in case of an accident.

What Does Insurance for Additional Drivers Cover?

Insurance for additional drivers typically covers the same things as basic car insurance coverage. This includes liability coverage, which pays for damages to someone else’s property or injuries to another person if you’re found to be at fault in an accident. It also usually includes collision coverage, which pays for repairs to your own car if you’re in an accident.

The exact coverage provided by an insurance policy for additional drivers may vary from company to company, so it’s important to read the fine print and understand exactly what is and isn’t covered.

Do You Need Insurance for Additional Drivers When Hiring a Car?

Whether or not you need insurance for additional drivers when hiring a car depends on the rental company and the type of policy you’ve purchased. Some rental companies may offer basic insurance coverage for additional drivers, in which case you won’t need to purchase any additional coverage. However, if the rental company doesn’t provide any coverage for additional drivers, or if you want more comprehensive coverage, you’ll need to purchase insurance for additional drivers.

Be sure to check with the rental company before booking your rental car to find out what type of coverage is included in your rental agreement. If you’re unsure, it’s always best to purchase extra insurance for additional drivers just to be safe.

How Much Does Insurance for Additional Drivers Cost?

The cost of insurance for additional drivers varies depending on the company and the type of coverage you’re purchasing. Generally speaking, basic coverage is relatively inexpensive and may only cost a few dollars a day. However, if you’re looking for more comprehensive coverage, you may end up paying more.

It’s important to shop around and compare premiums from different companies to ensure you’re getting the best deal. You should also pay attention to the coverage limits and the exclusions for the policy, as some policies may not cover certain types of damages.

Conclusion

Insurance for additional drivers is an important type of car insurance coverage to consider if you’re planning on renting a car or taking a road trip with friends and family. It’s important to understand the coverage limits and exclusions of the policy, and to compare premiums from different companies to ensure you’re getting the best deal.

Hope that gives you a good start!