Insurance explained


We appreciate that hiring a car can sometimes be a confusing experience, especially when it comes to knowing what you are covered for. At Avis, we try harder to make everything about car rental as simple and transparent as possible. That means no jargon and no hidden extras.

This guide will give you an easy-to-understand description of the options and benefits as well as answer a few commonly asked questions.


What you are covered for: Third Party Cover
(Also known as Motor Liability Insurance, Legal Liability Insurance)

What's covered?
  • Covers you in case you cause damage, including damage to passengers and their property, when using the Avis vehicle
What's not covered?
  • Theft or attempted theft of the vehicle
  • Theft of personal belongings from the vehicle
  • Death or injury to the driver
  • Damage to the rental vehicle
This cover is included in the rental price.

Most rentals are covered for:
- Vehicle Damage Cover
(Also known as Collision Damage Waiver (CDW), LDW in Australia, NZ and USA)

What's covered?
  • If the rental car is damaged, you will be covered for the cost of repairing the Avis vehicle
  • You will, however, have to pay an excess charge towards the cost of repair. This can be from £650 in the UK (excess levels vary by country). This applies regardless of fault.
  • If we can recover these costs from a responsible third party, we’ll reimburse you
What's not covered?
  • Intentional damage/gross negligence
  • Damage caused by not using correct fuel
  • Damage caused as a result of a breach of the rental agreement
  • Damage through attempted theft
Your car hire quote will state whether Vehicle Damage Cover is included.

- Vehicle Theft Cover
(Also known as Theft Protection)

What's covered?
  • Covers you for the cost of replacing the Avis vehicle (or parts of it) if it gets stolen
  • If the vehicle, or parts of it, is stolen you will have to pay an excess charge towards the replacement cost. This can be from £650 in the UK
What's not covered?
  • Negligence when leaving car unsupervised (e.g. car unsupervised) or keys safe keeping (e.g. left in ignition)
Your car hire quote will state whether Vehicle Theft Cover is included.

Premier Cover
(Available for rentals in the UK only. You will find similar products in other countries)

What's covered?
  • Reduces your excess to £100
  • FREE Additional Driver
  • Super Personal Accident Insurance*
  • Provides our most comprehensive cover
What's not covered?
  • Damage caused intentionally or by gross negligence
  • Damage caused by failure to use correct fuel
  • Damage caused as a result of a breach of the rental agreement
Prices vary by car size. Cover starts from £11.95 per day up to a maximum of £15.95 per day. This is charged for the first 10 days of rental only.
  • Premier Cover is available for purchase at the rental station when collecting your car (not available for pre-booking online)
  • Please note: Super Premier Cover is available for those customers who do not have Vehicle Damage
  • Cover or Vehicle Theft Cover included in their rate. Please ask a member of staff for more information when collecting your Avis hire car
  • *Super Personal Accident Insurance is the same as Personal Accident Insurance but with increased maximum claim limits

Personal Accident Insurance
In case you are not covered by a travel insurance policy, we will offer you cover when you pick up your vehicle.

What's covered?
  • Personal accident - a maximum of £42,000 per insured person in the event of death, loss of limbs or eyes or permanent total disablement
  • Medical expenses incurred due to an accident -a maximum of £2,100 per insured person
  • Unlimited assistance and rescue costs
  • Baggage up to £2,100 per vehicle - conditions and item limits apply
What's not covered?
  • Vehicle must be locked and items stored in luggage compartments
  • Certain personal items are not covered Examples of exclusions can include money, personal documents, passport etc
Price; £4.75 a day
  • Personal Accident Insurance is available for purchase at the rental station when collecting your car (not available for pre-booking online)
  • For full policy details for Personal Accident Insurance and Super Personal Accident Insurance please ask a member of staff when collecting your Avis hire car
Additional Information

Who’s covered to drive?

Only those people named as drivers on the rental agreement are insured to drive the vehicle. Additional drivers can be nominated for a charge. An additional driver is included when taking Premier Cover.

Taking a car abroad

To take a vehicle abroad you must purchase an additional protection package, which is available from Avis rental locations. However, please be sure to give at least 48 hour notice to arrange this cover.

Find out more from our Blog

We created our blog to give you the inside tips and latest news on renting a car as well as giving you the opportunity to have your say. Blog posts you may find of interest are:



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