Do I need Car Rental While Traveling Domestic or Abroad?

 Car rental or no?

Car rental while you are traveling can be liberating. Using public transit is the best route if you are in a major city. Why fight the traffic, pay high parking fees or having to feed a meter? It’s a major reason why the locals avoid driving. See it as the locals do… on foot, bicycle, bus, trams, trolleys, trains.

But if you want to get out into the countryside, or do a road trip, then car rental is a must.

Your credit card may be an asset

You can save yourself some money by doing your homework before you make that car reservation. Start by looking at the benefits provided by your credit card company. Most card companies have a downloadable guide to benefits they provide.

Yes, the benefits guide is tiny print but you need to read it carefully. It may save you money. In order for their coverage to be in effect you must charge the car rental onto the card. You must also decline the collision coverage offered through the rental agency. Your benefits details will tell you exactly what you need to do.

The benefits guide will also tell you what it does not cover. I found they don’t cover your liability and medical benefits. Check with your auto insurance coverage company. If you will be renting in the US or Canada you may automatically have coverage.

International car rental

However, if you are going abroad, the game is different. You need to check what requirements you need to meet to drive in that country. Then using your credit card benefits information to check for coverage on

  • Collision/theft Damage Coverage
  • Loss of use charges assessed by the rental company while the damaged vehicle is being repaired and not available to use.
  • Reasonable and customary towing charges related to a covered loss to take the vehicle to the nearest qualified repair facility.

You need to know what is not covered. It may seem like common sense but if you are in any way breaking the law, you forfeit coverage.

Not all US auto insurers will insure outside the country. Mine doesn’t. That means purchasing the liability/medical coverage from the local rental agency.

Not all vehicles are covered. “Exotic, expensive” vehicles are generally listed as excluded. Antique automobiles, some vans and trucks are not covered. Renting an RV? Be sure to check to see if it is covered. If in doubt, be sure to ask your credit card benefits department.

It’s a good idea to go over the rental agreement thoroughly. This can be a challenge if you don’t speak the local language. If the rental company insists you take coverage, call your credit card Benefits Administrator. It’s smart to take a copy of the benefits information with you. It will have the details and the contact numbers domestically and abroad.

Before a signing of the contract, ask to see the car. You want to assure yourself that there is no existing damage to the vehicle. If there is anything amiss, make sure you document it with a photo and have it noted on the agreement.

Take a look in the trunk

Is there a spare tire?

Many new cars have no spare. Some have “hard” tires that when damaged give you 50 miles to get to a repair shop. Others have a little kit that must when a tire goes soft. This seals the leak and prevents further problems. Note: it’s only good for a single use.

Get familiar with what is there, how to use it and what to do if you have to use it. Should you contact them for a replacement kit? If a tire requires replacement, who pays?

It may sound far-fetched but it happened to us on our trip to the UK last summer. Tire acted funny. Then going down the heavily traveled M4, it started deflating. All we could do was get to the side of the freeway before it was flat. No spare tire. The kit didn’t work. We called AA.

When the truck arrived, they drove it onto the truck. When we got to the shop, they drove it off the truck. New tire time. We hadn’t selected “that” section of coverage and I hadn’t checked the credit card benefits. We had to pay for it out of pocket.

Lesson learned. Check everything ahead of time and know what’s in the trunk… or not.


It’s best to have a navigator so the driver can focus. There’s the traffic, strange environment and staying on the correct side of the road for where you’re visiting.

If the car doesn’t have a navigation system, consider taking a Garmin or the like with you. Be sure to get the card for the area’s location if it is not included. It’s a worthwhile investment. Mine got my girlfriend and me to all sorts of places. Everything from restrooms to restaurants and home again. In a strange country, it was liberating security.

Pay attention to landmarks and your surroundings. Things will look different after dark.  Street lighting is not common on all rural roads.

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