Quote Originally Posted by sydnie7 View Post
Check with your credit card company, too. They may only have damage ins but doesn't hurt to ask.
We have two credit cards. The one I used to make the reservation...because it was made in the US, is my "usual" credit card, which is a CITI Simplicity card. This card offers "secondary" auto rental insurance in the USA and its territories and possessions. "Secondary" insurance is basically.. "You have to max out your primary insurance policy and when they won't pay any more, we'll pay some more". The thing is, you have to have a primary insurance policy, first.

The exact same thing applies for the Venture Mastercard that we got specifically for the trip because it doesn't have overseas transaction fees. The Schwab account that Joan got because we can use their card at Scottish ATM's also offers "secondary" insurance. UPSHOT? If you have a fancy credit card with a #35 monthly fee, then you might have some primary coverage. If you have a "no annual fee" card, then don't hold your breath.

IT SO HAPPENS that in the UK, since 1988, it's illegal to drive on the roads without a minimum Liability insurance policy. Therefore, all rental cars in the UK have a minimum liability coverage included in the rental fee. It's not a lot, though, it's just barely over the required minimum, by law.

But it's SOMETHING.

NOTE..everybody... I'm not talking about damage coverage. Oops, you smacked into the wall and busted up the fender? That's CDW.. Collision Damage Waiver insurance, which has an "Excess"..which is UK-speak for "Deductible". The "Excess" at Enterprise is about 600 pounds or $1,000 unless you purchase "Excess Reduction Insurance" which reduces that Excess to 100 pounds or about $167 in the current exchange rate.

Most of you who are writing in this thread are writing about collision or damage insurance. I'm talking about covering my hindquarters when there's an accident in an intersection and some multi-millionnaire gets his toe squashed and sues me for incomprehensible amounts of money, not to mention the cost of the hospital stay, four MRI's, three medical specialists and lifetime supply of bandaids. This is LIABILITY INSURANCE....that's different.