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  • Online car rental since 2005
Article overview

Insurance and deductible

Which insurance policies do you need? What happens if the car gets damaged? And what happens with the deductible? You can read it all on this page. This gives you peace of mind that everything is properly organized for a worry-free car rental. Don't feel like thinking about the particulars? Then check out our Worry-Free selection. These cars meet the most important requirements.

Insurance and deductible

Insurance included as standard

The standard insurance covering damage and theft offers good coverage in the event of damage to or theft of your rental car. Make sure you are aware of the deductible.

Collision Damage Waiver (CDW)

In the event of damage, the Collision Damage Waiver (CDW) insurance policy covers most of the costs. This includes situations where you cause the damage or the car is totaled, for example. Please note: you will often have to pay a deductible. In addition, damage to tires, windows, mirrors, the underside, roof, interior and keys are never covered.

Third Party Insurance (TPI)

Third Party Insurance covers material damage to another car or physical injury to persons who are not riding in your rental car. This coverage is sufficient within the EU. It may be insufficient outside the EU. Check with your rental company, and take out extra coverage at the rental location if necessary.

Theft Protection (TP)

Theft Protection largely covers the cost of a stolen car. This only applies to the car itself, not to any property in the car. This is covered by your travel insurance, assuming that you have it of course. Please note: Theft Protection also has a deductible.

Deductible: should you take out extra coverage for this or not?

Regardless of how well your rental car is insured, you will often still have to pay an deductible. The amount involved varies between rental companies. However, it is often much higher than the deductible for your car insurance in the US. This means it's a good idea to take out extra coverage for the deductible.

No covered deductible

If the rental car gets damaged or stolen, you must pay a deductible. In addition, you must pay a large deposit in advance with a valid credit card in your own name.

  • The deductible is often high.
  • The deposit is high.
  • If the vehicle gets damaged, things can get quite expensive.

Covered deductible

If you take out a covered deductible, you must still pay a deposit when picking up the car. If the car gets damaged, the rental company will charge this deposit to your credit card. We will then refund this amount.

  • Cheaper than local insurance policies
  • The full deposit is always returned to you.
  • You have to pay a deposit at the rental location.

Zero deductible

What happens if you choose a car with zero deductible? In most cases, you will pay nothing at all. Sometimes you must still pay a deposit at the rental location, although it will be less. In the event of damage, this will be covered by the rental company.

  • No deposit, or much smaller deposit
  • Everything taken care of, no hassle
  • Higher rental cost


You can read the most frequently asked questions and corresponding answers about insurance and deductible below. Can't find an answer to your question? Please contact us and we will be happy to help.

Why would I take out insurance and covered deductible with you and not with the rental company? You can go with the rental company, but it will often cost you a lot more. In addition, it's handy to know in advance exactly how much your rental car will cost you. If you arrange everything via EasyTerra, you will immediately see the total price. If you handle some aspects at the rental location, you will face additional costs. Do I need more insurance than the standard? In principle, the standard insurance policies that we arrange when you rent a car via EasyTerra offer sufficient coverage. However, you can always choose to take out additional insurance policies, such as Personal Accident Insurance (PAI) and Personal Effects Coverage (PEC). These cover the occupants and luggage in your car. What is comprehensive coverage? Damage to the glass, wheels, roof and underside of the car is never covered by an insurance policy. This means you must pay for these yourself, even if you have a good insurance policy and a covered deductible. If you want to be 100% insured, you can take out supplemental insurance so you don't have to pay for this damage. You will be given this option during the booking process. Covered deductible: how do I submit a claim if my rental car gets damaged or stolen? This is very simple. If the rental car gets damage or stolen, first contact us. To refund the deductible, we require the following documents from you:

- Rental agreement
- Damage report from the car rental company
- Police report or a written statement from the police in the case of a single-vehicle collision
- Proof of payment and/or a copy of the credit card statement

The voucher you receive by email after making a booking describes exactly what to do in the event of damage or theft.
The local rental company says I have to take out supplemental insurance with them. Is this true? The staff at the rental company location can be very convincing. After all, they stand to earn a great deal from the insurance policies they try to sell you. Therefore, don't let them to talk you into all sorts of additional insurance policies, as these are usually totally unnecessary. However, you may want to take out a covered deductible or increase the Third Party Insurance coverage. What is EasyTerra? There are so many car rental companies that it can be difficult to know where to start looking. That's why we launched EasyTerra – it's no coincidence that we have “easy” in our name; it's because we make things as easy as possible for you! We do this by comparing all providers based on your preferences. This means you can find the cheapest and best car for your holiday.
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