Car sharing is an advantageous alternative to the personal car. But how is one covered if one has an accident with a rental car or that one lends his car to his neighbour? Peter Place, the Helvetia expert, gives you advice on renting and lending vehicles. Having your vehicle is not an obligation. Nothing prevents you from renting or sharing it. “Share instead of own”.
This is the current trend, a phenomenon that comes to simplify specific applications and online platforms. According to estimates, more than 5.5 million Europeans already share a total of 77,000 vehicles based on the car covers-sharing model. To ride in peace, insurance is there to intervene in case of disaster. But there are some principles to respect.
Car Sharing: User And Renter Cover?
If you rent a car from a well-known car rental company, a car manufacturer or a garage, you will not worry about insurance. “It is the provider who takes care of the necessary insurance, in this case,” says Peter Place, expert Helvetia. This is also true for the Mobility car-sharing company. The company owns the vehicles it leases; it has the necessary coverage.
“In the event of a claim, you are fully covered concerning civil liability, cascade, if you wish, against occupant accidents, “says Place. Premiums for this type of insurance are included in the rental price. The customer supports a fixed deductible for each claim. Mr Place advises to always check the amount of the deductible before signing the contract: “It is generally possible to reduce the deductible by choosing a premium increase.”
The Car Rental Through A Sharing Platform
The situation is different when using a third-party car through an online platform such as Sharon. “The Casco is certainly covered, but the deductible is usually pre-defined.” The offer sometimes includes additional insurance, such as occupant accident insurance or assistance insurance.
If you rent a car through this type of platform, you have no choice. You must accept the insurance coverage as it is. The premium adds to the rental price. Unlike direct rental providers, car-sharing platforms usually do not cover civil liability. But only a possible deductible and loss of bonuses on the policy of the vehicle owner. Due to road traffic legislation,
Who Supports The Failure Cases?
In the event of a breakdown with a rental vehicle, immediate assistance is usually provided. “Insurance coverage usually includes troubleshooting,” explains Peter Place, who advises dialling the provider’s emergency number listed in the documents provided.
“The repair costs are usually also borne by the rental car provider since the lessee assumes that he has received a vehicle in perfect working order.” The lessee’s liability can only because if the failure is due to non-compliance with particular instructions. For example, liability may be charged to the customer if he continues to drive while the oil light is on, and the engine has been damaged.
Car Rental Between Individuals: Who Is Responsible In Case Of Disaster?
Here again, the situation is quite different if you rent a vehicle from a private person. “In this case, I strongly recommended that you check the insurance cover before using the vehicle,” warns Mr Place. “We often do not have a choice: we have to accept the insurance already in place.” And if several people share a car, better be assured, advises Peter Place. “A comprehensive insurance protects you against financial losses, but also any dispute in case of disaster.”
The expert recommends taking out insurance full casco, especially when it comes to a new car or a vehicle with a significant market value. Indeed, any total loss or expensive repair of the car would represent a substantial financial risk. It is also worthwhile to find out about useful supplementary insurance. “Bonus protection insurance is certainly a good investment – this avoids punishing other members of the group by increasing their premium in the event of an accident.”
And even if several people share a vehicle, only one of them is considered the holder or the owner by the Service of automobiles and navigation. It is in his name that the insurance policy is established.
“The most important thing is to make it clear at the time of the insurance that the vehicle will be used regularly by several people.” These people are then registered in the police as regular drivers. But you do not need to have individual car insurance. Different users also have the option of setting the scope of coverage.
Regular Loans: Opt For The Integral Casco
Do you lend your car occasionally? You do not usually need to inform your insurer. “But when you regularly rent your car to drivers of his private entourage. It must be notified to the insurance company,” said Mr Plachel. This is the only way to avoid discussions in the event of a disaster. Insurance can (or not) increase the premium in this case.
“The issue of insurance coverage is more delicate,” says Rachel. “The owner must remain aware that his neighbour or colleague cannot make his insurance for the vehicle.” The expert, therefore, recommends opting for the full casco too. So that the owner does not have to charge fees. Claim under the accident insurance or the accident insurance in the event of a claim.