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- Car rental insurance in Hong Kong
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So you’re renting a car in Hong Kong. Of course, no one wants to think about rental car insurance when taking in the sights, but buying rental car insurance before you go could save you thousands in repair costs. We’ve built a global business around saving customers 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.
I'm renting a:
Car
change
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$38,876.50 for cars to HK$58,314.75 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$233.26 - HK$349.89 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$77.75 - HK$116.63 per day.
Personal Accident Insurance (PAI)
Personal Accident Insurance compensates you for personal injuries (including passengers).- Optional at the rental desk for HK$77.75 - HK$116.63.
- Available in travel insurance policies.
Comparable insurance/full protection products & benefits
Full Protection
Equivalent to Excess Waiver + Roadside Assistance + $0 deductible excess.- Our Guarantee: We'll beat any price.
- We pay 98% of claims within 3 business days.
- Includes free cover for roadside assistance, towing (saves you HK$38.88 - HK$77.75 per day). Also covers key loss.
- Covers accident-related fees.
- Covered up to the policy limit for each individual incident.
- Additional drivers on the rental agreement are automatically covered.
- Damage related charges and administration costs are reimbursed once the claim is approved.
- Cancel anytime up until vehicle collection.
- Covers types of damage that the rental companies exclude, especially climate-related damage such as ice, hail, water/floods, snow, sand, wind, and more.
- Covers damages caused by road conditions including ice, ash, sand and gravel damage.
- Covers damages caused by collisions with animals.
- With RentalCover you are also subject to the terms of your rental agreement.
Pre-pay and save
RentalCover.com is sold by the largest online travel agencies globally and you can buy directly on RentalCover.com, saving you 50% compared to the rental companies.
Take photos before and after
Take photos & videos of the vehicle at both pickup and dropoff. We’ll ask you during the claim to provide these and to provide details of 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.
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/claim. 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.
