Saturday, 6 July 2013

Rent a Car in Melbourne, Optional Insurance, Do You Need It?

Probably you are planning a vacation or a business trip to the beautiful city of Melbourne? If yes then you will also have to rent a car in Melbourne to travel to places. Whether you will need to hire a car or not is a secondary question, you need to first think of insurance coverage – should you accept it or decline it.

Though this might not be as important a thing to consider when opting for Tullamarine airport car rental, as in that case you will be travelling a short distance, you surely need to think of it when you are planning to use the services for longer. In most of the cases rent a car in Melbourne companies offer you insurance, which covers Personal Accident Insurance (PAI), Liability Insurance Supplement (LIS), Collision Damage Waiver (CDW), Personal Effects Coverage (PEC), and Loss Damage Waiver (LDW).

Optional insurance is part of corporate car rental in Melbourne, but do you really need them is the question you need to consider. To decide on this first check how well your personal automotive insurance policy covers you. If your existing policy covers you well then it may be well in your favor to decline the optional insurance without any financial risk.

When you are going through your policy make sure to check for collision coverage, many old car owners let go this part of insurance, due to its higher cost. If you have also opted out of it, then remember that it will not cover you for corporate car rental in Melbourne. In such a case it would be beneficial to opt for at least collision cover.

Having said all this, making the final choice is not going to be easy. When you rent a car in Melbourne it would be obvious that you will be driving a different vehicle that is not a vehicle you are used to, hence the chances of getting into an accident also increase. But then optional insurance is expensive, think of different aspects and the possibilities of damage in case you get into an unfortunate situation before you make the final choice.

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