How the insurance deductible works for rented vehicles

What is the Insurance Claim Deductible?

The Insurance Claim Deductible refers to the part of the loss that the insured person (driver) is responsible for covering in the event of a claim (road accident) where the driver is at fault or shares the blame. In other words, the insurance company only pays for losses above a certain amount, and any amount below the Insurance Claim Deductible value must be paid by the customer.

The Insurance Claim Deductible serves as a means to share the risk between the insured and the insurance company. By including a deductible in their policy, the insured agrees to assume part of the loss as an incentive to adopt responsible driving and preventive measures against claims.

Practical Examples

1. Imagine a driver with a €600 Insurance Claim Deductible who had an accident due to his own fault. The total damages resulting from this accident amounted to €1000. In this case, the driver is responsible for paying €600 (the Insurance Claim Deductible amount), while the insurance company covers the remaining €400.

2. Consider the same driver having another at-fault accident, but this time the damages amount to only €300. In this scenario, the driver is responsible for paying the entire €300.

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