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Car Hire and Budget and prepaid insurance cover from UK help

hi all travelling later this week and don't want to do the dance again with the car hire desk staff on having LDW AND SLI and them charging a fortune for it - i've seen several sites offering it upfront and cheaper therefore in UK but can anyone recommend please somebody they've used its only for 2 week period - but everytime i go to Florida or abroad the desk staff do their dance on you! and its costly

If you want to avoid the expensive and sometimes confusing insurance upsells at the car hire desk in Orlando, arranging your LDW (Loss Damage Waiver) and SLI (Supplemental Liability Insurance) from the UK in advance is a smart move. Many travelers find that prepaid policies purchased through UK-based providers are significantly cheaper and provide peace of mind for the entire rental period.

Here’s how you can approach it and some recommended options:

  • Check your existing coverage: Some UK credit cards offer car rental insurance including LDW when you pay for the rental with the card. Also, your UK car insurance policy or travel insurance may provide secondary coverage.
  • Prepaid insurance brokers: Companies like Allianz, RentalCover.com, and AXA Travel Insurance offer comprehensive rental car coverage that includes LDW/CDW and liability coverage. These are often cheaper than taking the insurance at the counter and can be purchased for the exact duration of your rental.
  • Compare coverage carefully: Make sure the policy explicitly covers the US, rental vehicles, theft, and third-party liability. Check whether there’s any deductible or claim excess.
  • Documentation: When you collect your car, bring printed confirmation of your prepaid insurance. This usually satisfies the rental company and can save time at the desk.

Additional tips:

  • Book the car separately from the insurance to see the base rental cost clearly; then apply the prepaid insurance. This avoids confusion and overcharging at the counter.
  • Contact the rental company in advance to confirm that your prepaid policy is acceptable, especially if using a smaller provider.
  • Keep a digital and printed copy of the policy with your passport and rental agreement while traveling.

By securing your insurance upfront from a trusted UK provider, you can often save hundreds of dollars, avoid the “upsell dance” at the desk, and enjoy your Florida trip with less stress about coverage.

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