Do you need car rental insurance? This is a question that many people pose very simple because the car rental agents usually make it seem like you’re committing a crime when you decline it making you sign a waiver for it. You may be hesitant to decline it and you may even agree to it because you think that somehow it will provide you with extra coverage just in case. Be clear, rental vehicle insurance does not provide you with additional benefits above and beyond what your car insurance and credit card will pay.

To verify this contact your car insurance company first. Let them know that you are considering renting a vehicle for what time period and in what location of the world. Then let them tell you if you have coverage and what exactly will be covered. If you are concerned most car insurance companies will offer you an extra insurance option for this rental vehicle for the specified period of time and this will usually cost you a lot less than what the car rental agency is offering you.

After checking with your car insurance company contact some of you credit card companies to see what type of coverage they will provide with a rental vehicle. Some cards will cover you but at a higher rate so it’s a good idea to consult with several before deciding which card to use for your booking.

Between your car insurance company and your credit card company you should have enough coverage to take care of any and all issues that may arise. Don’t be intimidated into paying the rental agent directly for extra insurance. While they may make it seem like an item you need, it usually winds up serving them in the form of additional income for the rental. Keep in mind that their motivation to sell you this insurance is not for your protection but for their profits.

Car rental agents are encouraged to talk you into this insurance and usually take a larger commission if they do. So they will be extremely motivated to do all that they can to convince you to take it but if you go to the agency armed with the information that you need about rental vehicle insurance you should have no problem being comfortable with signing that waiver and getting on your way.

The Car hire Melbourne tourists use most is Budget Rentals. When planning your trip, be sure to go to They have various Car rental Melbourne for you to choose from.