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- Car rental insurance in Hong Kong
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So you’re renting a car in Hong Kong. No one wants to think about rental car insurance when taking in the sights, but buying rental car insurance can save you thousands. Save 50% versus equivalent coverage at the rental desk. We aim to pay 95% of claims within 7 business days, so you can save your HKD for extra souvenirs.
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Car
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At the rental desk...
Insurance offered & what you need to knowCollision Damage Waiver (CDW)/Loss Damage Waiver (LDW)
CDW/LDW waives damage costs with a high excess payable for damages (HK$38,907.25 for cars to HK$58,360.88 for motorhomes.) LDW is CDW + Theft Protection.- Excess payable for any damage is very high.
- CDW is included in your booking.
- Some types of damage are not covered by CDW, for instance some rental companies do not cover windscreens, cracks and chips, tyre punctures & replacements, and damages to headlights and underbody.
- CDW does not cover expensive accident-related fees such as administration, towing and loss of use fees.
Super Collision Damage Waiver (SCDW)
Super Collision Damage Waiver reduces your remaining excess towards HK$0.00.- Can be purchased for HK$233.44 - HK$350.17 per day.
- Price tiers usually mean that you pay even more to get HK$0.00 excess.
Roadside Assistance Cover
Covers roadside costs such as towing, fuel and key lockout.- Can be purchased for HK$77.81 - HK$116.72 per day.
Personal Accident Insurance (PAI)
Personal Accident Insurance compensates you for personal injuries (including passengers).- Optional at the rental desk for HK$77.81 - HK$116.72.
- Available in travel insurance policies.
Comparable protection
Pre-pay and save
Our Rental Car Damage Protection is available in connection with the largest online travel agencies globally or you can buy directly on RentalCover.com. Either way, you'll save 50% compared to the rental company's insurance.
Take photos before and after
Take photos and videos of the vehicle at both pickup and dropoff. During your claim, we’ll ask you to provide these photos and details if there are any unfair charges from your rental company. Take the time to capture any pre-existing damage and nominate those in your rental agreement to avoid excessive charges.
Just say 'no'
If you've bought Full Protection with us, you can say 'no' to the hard sell for roadside assistance from the rental company.
† We compared the costs of collision damage protection sold by Cover Genius Insurance Services, LLC on RentalCover.com to the average cost of collision or loss damage waivers (including taxes and fees) for a one week rental (December 11 - 17, 2016). Cost comparison is in U.S. dollars and is based on online quotes provided by Alamo, Avis and Hertz for an airport pickup and drop-off of a compact car in Boston, Dallas, Las Vegas, Orlando, and Portland for a U.S resident over age 25. No discounts applied.
With Full Protection...
- Notify your rental car company of the damage immediately. They will advise next steps. If the costs are likely to exceed $3,000, please notify us via our claim form before paying any money to the rental company. Make sure you check your policy wording.
- When your rental is finished, submit your claim at rentalcover.com/claims. You will need these documents.
- We pay 98% of claims within 3 business days, but do keep in mind that settlement times may differ.
- If your rental company provides you with a new vehicle, your RentalCover.com policy will also cover the new vehicle for the duration of your policy provided it’s a like-for-like exchange. You do not need to notify us of the vehicle change.
