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Hertz in Germany (at least) do not include basic insurance in rate.

Hertz in Germany (at least) do not include basic insurance in rate.

Old Aug 17, 19, 2:54 am
  #1  
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Hertz in Germany (at least) do not include basic insurance in rate.

This certainly applies to hires for European residents booking through the Hertz website, but may apply to others as well so it is worth checking.

It is well known that almost every hire car company in Europe have a CDW excess of around €900 or more, hoping that they can pursuade you to purchase their excess waiver policy for anything up to €30 a day. Of course, there are plenty of companies that will sell much cheaper policies to cover this excess, almost all of their websites using these words or something similar.

In many countries, car rental insurance policies include CDW and SLI as standard. However, if you are renting in certain countries, such as those in North, South or Central America, you may need to purchase CDW and SLI separately.

In fact, it is VERY difficult to find a company in Europe that will sell insurance to cover CDW on the basis that all car hire companies include it. They are only interested in covering the excess, above what they think the car hire companies are offering. Recently SIXT, have stopped including CDW in their rates, and now Hertz have followed. Insurance is now being offered as a extra, to be bought at the counter. Of course, Gold Canopy and President's Circle members never go to the counter, so may well be driving off, completely unaware that if they have an accident, they may be liable for the full cost of the damage, not to mention being prosecuted for having no insurance.

A booking that I did yesterday for a hire out of Frankfurt had the following notes.
Your Vehicle Intermediate, 4-5 Door, Manual, Aircon (Group E) IDMR(E) Opel Insignia or similar Details
Payment method:
Pre-Pay Online
Discounts:
  • CDP Name: : HERTZ MEMBER PROGRAM
Rental Duration
  • 4 weekend days
Included in the rates
  • Winter Tyres
  • Total Sales Tax
  • Location Service Charge (LSC)
  • Unlimited Kilometers Included
Not included in the rates*
  • Collision Damage Waiver (Excess Applies)
  • Super Cover (Excess Waiver)*
  • Personal Insurance*
  • Theft Protection (Excess Applies)
  • Premium Emergency Roadside Service*
  • Additional Driver Fee
  • Fuel
Available Optional Extras at the Counter
  • Collision Damage Waiver (Excess Applies)
  • daily45.02 GBP
  • Super Cover (Excess Waiver)*
  • daily30.33 GBP
  • Personal Insurance*
  • daily16.54 GBP
  • Theft Protection (Excess Applies)
  • daily19.41 GBP
  • Premium Emergency Roadside Service*
  • daily12.11 GBP
'What You Pay at the Counter’ is the balance of the total amount due based on the reservation above, including any optional extras. This is payable on pick-up in destination currency, which is subject to exchange rate changes on day of pick- up.

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Old Aug 17, 19, 4:49 am
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There is nothing to suggest there that insurance is not included - only that CDW is not included - CDW is not insurance

If you are a 5* or PC member, then it is up to you to ensure that your preferences are set accordingly. If you have CDW set for Europe, it will quote inclusive of CDW

Doing a dummy booking whilst not logged in from FRA and the rate showing includes CDW
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Old Aug 17, 19, 5:57 am
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Originally Posted by Dave Noble View Post
There is nothing to suggest there that insurance is not included - only that CDW is not included - CDW is not insurance

If you are a 5* or PC member, then it is up to you to ensure that your preferences are set accordingly. If you have CDW set for Europe, it will quote inclusive of CDW

Doing a dummy booking whilst not logged in from FRA and the rate showing includes CDW
Interesting. I did have my preferences set to decline CDW, so I changed that to accept. The quote for the car I was planning on hiring went from £96 to £270 !

Then logged out, and did a dummy booking as a guest, and got a quote for £100 with CDW included. But of course, you lose your President's Circle benefits then.

Am I missing a trick somewhere ?
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Old Aug 17, 19, 6:44 am
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No, you are not.
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Old Aug 17, 19, 7:35 am
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Originally Posted by Richym99 View Post
Interesting. I did have my preferences set to decline CDW, so I changed that to accept. The quote for the car I was planning on hiring went from £96 to £270 !

Then logged out, and did a dummy booking as a guest, and got a quote for £100 with CDW included. But of course, you lose your President's Circle benefits then.

Am I missing a trick somewhere ?
Were you using a CDP number when you were logged in but not when logged out? It seems that you were with the display showing "HERTZ MEMBER PROGRAM"
Also was your country of residence same as country of website?
Were there any other options set? e.g. was Theft protection set to decline in your profile whereas the logged out quote had it included?

If everything is the same, then you should get the same price either way
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Old Aug 18, 19, 1:05 am
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I don't think there is anything new here.

The quote indicates CDW (as in full coverage with $0 excess is NOT included in rate); you will have an excess (deductible) and I'm sure you can buy something with less excess on-site. This is normal even if a US renter rents with Hertz Germany.

SLI is not sold in (Western) Europe because coverage in excess of several million Euros are already included.
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Old Aug 18, 19, 4:03 am
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Originally Posted by seawolf View Post
I don't think there is anything new here.

The quote indicates CDW (as in full coverage with $0 excess is NOT included in rate); you will have an excess (deductible) and I'm sure you can buy something with less excess on-site. This is normal even if a US renter rents with Hertz Germany.

SLI is not sold in (Western) Europe because coverage in excess of several million Euros are already included.
Disagree sorry. If CDW was included in that quote, but subject to an excess, it would have been in the list of what is included. I have dummy bookings to prove that is the case.
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Old Aug 18, 19, 4:16 am
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Originally Posted by seawolf View Post
I don't think there is anything new here.

The quote indicates CDW (as in full coverage with $0 excess is NOT included in rate); you will have an excess (deductible) and I'm sure you can buy something with less excess on-site. This is normal even if a US renter rents with Hertz Germany.

SLI is not sold in (Western) Europe because coverage in excess of several million Euros are already included.
That quote indicates that CDW is not included and that it is GBP45.02 to add - this is in line with the profile preferences that the OP indicated that he had set

Super Cover would be that to add on top of CDW when CDW is included (•Super Cover (Excess Waiver)* ) •daily30.33 GBP
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Old Aug 18, 19, 4:39 am
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Originally Posted by Dave Noble View Post
Were you using a CDP number when you were logged in but not when logged out? It seems that you were with the display showing "HERTZ MEMBER PROGRAM"
Also was your country of residence same as country of website?
Were there any other options set? e.g. was Theft protection set to decline in your profile whereas the logged out quote had it included?

If everything is the same, then you should get the same price either way
I was using the hertz.co.uk website as I am located in the UK.

I've tried doing a number of dummy bookings this morning, using different sets of conditions, but all for the same dates and the same car. There is something very worng with their pricing system.

The booking was for pick up and set down in FRA, 27 Sept @ 1300 until 30 Sept @1800. Car of choice is an IDAR (Mondeo, Insignia or similar) Group N

Booking as a guest, no CBP. -
£100.16. (Theft protection and CDW included, both subject to an excess)

Booking as a member, No CBP.. Profile set up to decline all insurances.
£106.66 (CDW, Theft protection and Super cover all listed as optional add-ons payable at the desk on pick up)

Booking as a member. CBP - Hertz member. Profile set to decline all insurances.
£112.11 (CDW, Theft protection and Super cover all listed as optional add-ons payable at the desk on pick up)

Booking as a member. CBP - Hertz member. Profile set to accept CDW only
£334.49 (CDW included subject to excess. Theft protection and super cover optional add-ons payable at the desk)
(Yes, I did run this twice to make sure it was correct!)

Booking as a member. CBP - Hertz member. Profile set to accept CDW, theft protection and super cover.
£249.99 (CDW, theft protection and super cover included)
(So total coverage is £85 less than just having CDW. You explain it, because I can't)

Making the same booking via Expedia.
£100.00 (CDW included subject to same excess as through Hertz. Theft and super cover optional add-ons payable at the desk)

So even in the best case scenario, it seems that to get the beneift of President's Circle at the best rate, The purchaser is expected to either pay £150 for their insurance for four days, (half of what I pay annually for my own car, for which I get far more comprehensive cover), or find a company that sells CDW insurance which will cover any and all damage to a vehicle being hired.

Alternatively, they can book it as a non member or go to a third party provider, both options include CDW at the same price, but lose the option of an upgraded vehicle, and simply driving away with the vehicle of my chosing from the PC lot.
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Old Aug 18, 19, 4:56 am
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and the rate to have CDW , TP but no super cover ?
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Old Aug 18, 19, 5:42 am
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Originally Posted by Dave Noble View Post
and the rate to have CDW , TP but no super cover ?
The one combination that I didn't try.

£100.16. CBP _ Hertz member. Profile set to accept CDW and theft protection but not super cover.
Discounts:
  • CDP Name: : HERTZ MEMBER PROGRAM,Rate Quote: BEST
Rental Duration
4 Weekend days at 10.97 GBP = 43.88 GBP
Included in the rates
Winter Tyres Included
Total Sales Tax 15.99 GBP
Location Service Charge (LSC) 16.01 GBP
Registration fee 2.21 GBP
Collision Damage Waiver (Excess Applies) 14.71 GBP
Theft Protection (Excess Applies) 7.35 GBP
Unlimited Kilometers Included

Not included in the rates*
Super Cover (Excess Waiver)*
Personal Insurance*Premium
Emergency Roadside Service*
Additional Driver FeeFuel

Pay Now 100.16 GBP



Now you have to admit, that's bloody crazy. £334 if you don't have theft protection, but £100 if you do.

Still, thanks a lot for the guidance.

I can book this one, then cancel the other booking and the CDW policy now as I have a 14 day colling off period.
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Old Aug 18, 19, 5:54 am
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See - with exactly the same booking conditions, the rates have come out the same

When logged out, the system will just give the lowest rate
When logged in, the system will give the lowest rate that meets your profile requirements

In UK , it is common ime for rates excluding CDW/TP to be very high and a lot more expensive than taking them
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Old Aug 18, 19, 8:06 am
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Thumbs up

Originally Posted by Dave Noble View Post
See - with exactly the same booking conditions, the rates have come out the same

When logged out, the system will just give the lowest rate
When logged in, the system will give the lowest rate that meets your profile requirements

In UK , it is common ime for rates excluding CDW/TP to be very high and a lot more expensive than taking them
Lesson learnt, and my profile settings amended accordingly for the future.

Thanks for the assistance Dave.
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Old Aug 28, 19, 4:23 am
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When you rent in Germany, go for no CDW and your credit card coverage (zero excess)
Just keep an eye on the maximum MSRP value covered by your card (normally, $50K, with premium paid programs - $75K- $100K): after ridiculous European car taxes your rental car price can easily exceed $50K (din’t Forget the value will be listed in euros)
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Old Aug 28, 19, 3:12 pm
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Seems a really bizarre idea - pay more , get less coverage and then gamble ( if you have a credit card that covers rentals ) that the car is within the allowed coverage limits

I will stick to taking the lower rate and then letting American Express's insurer reimburse any excess that ends up being paid if damage occurs
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