Additional liability insurance of at least € 10 million

Imagine you are cruising in your rental car and suddenly... BOOM! A collision. That’s scary. Forunately, with Sunny Cars, all rental car insurances are included as standard. Third-party insurance is also included with every rental car. But in some countries, the legally required third-party coverage is lower than we like to see. Therefore, we always add a free extra coverage of 10 million euros on top. This way you always drive carefree in your rental car from Sunny Cars! 

What is covered by the rental car's third party liability insurance?

Third-party liability insurance is a legally required insurance that covers damage caused to third parties with the rental car, both material and physical damage. 

Any damage to the rental car itself is covered by the Collision Damage Waiver insurance, even in case of (attempted) theft of equipment from the car such as the car radio or navigation system. 

Standard including third-party liability insurance

In the Netherlands and the EU, the standard third-party liability insurance for damage to property is at least €1.3 million per accident, and for damage to persons there is a minimum coverage of €6.45 million per accident. And if this mandatory coverage becomes higher, Sunny Cars automatically applies it. However, in some popular holiday countries such as the USA, Canada, Curacao and South Africa, the maximum coverage may be below the Dutch/EU standard.

Since the damage to third parties in an accident can be considerable, Sunny Cars always includes an additional third-party liability insurance with every rental car, anywhere in the world, with a coverage of €10 million. We play it safe for your carefree holiday! In the specific travel conditions you can read exactly what the third-party liability insurance is for your chosen rental car. 

Why is a high third-party liability insurance important for a rental car?

When you cause damage to third parties or property (lampposts, guardrails) with your rental car and one or more third parties are involved, you may be liable for the damage. If the third-party liability insurance does not cover a part of the damage, you can be held personally liable. Sunny Cars takes away this worry with the unique extra third-party liability insurance. 

Suppose you go on a holiday, drive around in the USA in your rental car and get into an accident. It can happen and in fact it happened to a Sunny Cars customer. The customer was involved in an accident with a motorcyclist. The motorcyclist held the customer liable for several millions. Fortunately, the customer had rented a car from us, which offered him security. By combining our expertise and the local fleet provider, we were able to settle the claim for the customer. In the end, the customer did not even need to use the third-party liability insurance. How nice is that!

 Check foreign names of common insurances

When you pick up your rental car at your destination, the rental contract is often in English and sometimes in the language of the country. It may also contain other terms to indicate (extra) insurances. Always check the rental contract carefully to make sure you haven't accidentally added something extra. Note the terms ALI (Additional Liability Insurance) and LIS (Liability Insurance Supplement). ALI and LIS stand for the increase of the third-party liability up to a certain maximum amount. With Sunny Cars you are already insured sufficiently and you do not need these supplements.

 Is the Personal Accident Insurance also included in the WA-coverage?

The PAI insurance and the WA-coverage are different. A PAI (Personal Accident Insurance) is an additional and voluntary liability cover of the driver towards his passengers, in addition tot the compulsory WA-coverage.