Whether or not you need additional car hire insurance to cover the excess is a tricky question and it may typically depend on which country you plan on driving the rented vehicle in. Certainly, in the majority of countries minimum hire car insurance may be a legal requirement. However, whether insurance for a rental car is a legal requirement or not you may wish to take the following into consideration.

• if you drive on the roads in any country and you do not have insurance it is typically very risky financially;
• if you were involved in an accident and did not have car hire insurance you may find yourself being faced with some hefty costs which have to come out of your own pocket;
• if you decide you do not want to take any financial risks then you have choices over where to get insurance for a hire car, you do not have to take the insurance the rental company offers;
• it may pay to choose your own insurance for your rental car as you may find the premiums more competitive.

When looking into car hire insurance you may wish to check out any terms and conditions to find out exactly what the insurance covers and does not cover as this may vary. You may also wish to check out the excess on your part. With insurance for the excess behind you there is no worry of substantial sums having to come out of your own pocket in the event of an accident with the rental vehicle.