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Step 1
If you are planning to travel to the UK, or other countries, and you plan to hire a car or use a rental car while you are there, you need to determine what type of car insurance you will need. The best way to determine this is to do some research in advance. Many people customarily purchase rental car insurance without first considering if their regular car insurance policy will cover it. However, in some cases, you will find that it might be advantageous to purchase a car rental insurance policy.
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Step 2
If you plan to pay for your rental car or the car you hire in the UK with your credit card, call them to see if they automatically offer auto protection plans for car rentals that are paid for with their card. There are often plans in place that can take care of this insurance need. However, always check in advance, because even if you have used such a plan through your credit card previously, credit card insurance plans can change. You might find that they no longer offer such a plan, or it might be inadequate for your needs.
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Step 3
If you find that you need to get rental car insurance for a car that you hire while in the UK, you'll want to do as much research as possible ahead of time. Go online and check several car rental companies, and compare rates. You will want to ask about collision damage waivers, liability insurance, personal accident insurance and any insurance you feel you might need on your personal effects when driving the car, if you feel these wouldn't be covered under other insurance you already have. Make sure you are aware of any limits or special requirements that pertain for travel to the UK.
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Step 4
Once you find the best rate for rental car insurance in the UK, then make your plans for the car that you will hire or rent. Make sure you are clear on all of the details in advance, so that you understand exactly what your insurance will cover, and what you need to do when you rent your car. This way, all the planning will be done in advance, and you won't risk making a hasty bad decision at the car rental counter.
