Choosing a rental car for your holiday is the ideal solution when you want to explore destinations that are far from each other and not easily accessible without your own vehicle. If you’ve reached this article, it means you’ve decided to rely on the comfort that only a rental car can offer. But before proceeding with the vehicle booking, it’s important to understand the different insurance options available to travel with complete peace of mind.

Here’s what you need to know!

Rental car insurance policies: let’s clarify a few things

More and more travellers landing at Olbia Costa Smeralda Airport choose to rent a car in Olbia to explore Sardinia. The type of vehicle you rent depends on your travel needs. Likewise, if you want to fully enjoy your holiday without worries, choosing the right RCA insurance policy is essential.

Insurance options offered by rental companies can vary significantly. Generally, policies fall into three main categories:

  • Theft and fire
  • Damage to people and property
  • Kasko or CDW coverage

Each category includes different conditions that may benefit the driver, with higher or lower costs. Knowing them in detail helps ensure a trouble-free rental experience. Let’s go through them briefly.

Theft and fire coverage

Theft and fire insurance protects the renter in the event of vehicle theft or fire damage, with compensation handled by the insurance company. In some cases, but not always, you can remove the deductible from this policy.

With Ellepirental, for example, you can reduce maximum liability amounts in case of theft or fire by selecting the Car Protection clause. This option is not an insurance policy but an additional service designed for the driver’s benefit.

Damage to people and property

This policy covers damage caused with the vehicle to third parties or property when the renter is responsible for the accident. In these cases, it is essential to pay close attention to the coverage limit included in the policy.

In some countries, such as the United States, policy limits are extremely low, making these types of coverage almost useless.

Kasko or CDW coverage

Kasko coverage includes insurance for any damage the vehicle may suffer during the rental period. This type of policy is considered supplementary, meaning it provides higher protection than the basic insurance. Choosing Kasko means you are covered for vehicle damage regardless of who is responsible. Whether the damage is caused by another driver or by the renter, the insurance company handles the compensation in all cases.

Here too, checking the coverage limit and deductible is essential. If the coverage limit is not high enough to cover repair costs, the renter must pay the difference. The deductible refers to the portion of the damage not covered by the insurance and must be paid by the driver in case of an accident. Both values vary depending on the rental company, and it’s wise to review them before confirming your rental car booking.

In some situations, it is possible to opt for zero-deductible rental packages, thanks to specific insurance add-ons.

If you want more details about rental insurance conditions with Ellepirental, please refer to the terms provided on our website.

And if you’re ready to choose the perfect car for your holiday, explore our full vehicle fleet!