Do I need extra insurance when renting a car in UK?
While you're certainly not required to purchase any additional insurances while renting in the UK, it's definitely worth consideration as it can save time and money down the road should an accident or collision occur.
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Your U.S. policy likely only covers you in the U.S. and Canada, so you'll need a separate policy when driving in all other countries. Whether you plan to drive across a border or rent or purchase a car overseas, you have plenty of options for getting the international auto insurance coverage each country requires.
Keep in mind that those with a driver's licence issued from the USA, Canada, Australia or New Zealand do not require an IDP to be able to rent a car in the UK. However, keep in mind that some car rental companies may require one if you are planning to drive across the channel, crossing by either Le Shuttle or a ferry.
Does car insurance cover international rentals? Most U.S. auto insurers won't cover you while driving abroad, except for driving in Canada and driving in Mexico. Unless you have a credit card offering rental car insurance, you'll probably need to purchase your insurance from the rental company.
Collision Damage Waiver (CDW) provides cover if there is damage to a rental car through an accident.LDW on the other hand, is a combination of CDW and Theft Protection, which means that you will be covered for car replacement if your rental car is stolen during the period of your rental.