Is there insurance to cover car rental users?

Partner got into a minor accident while driving a rented car. Slight bang to the car (Grab) in front; minor dent to Grab's bumper. No other scratches, no visible damage to the rented car. Took photos, exchanged details, made reports.

Rented car demanded $6K due to 'in excess insurance clause' & to sign off all liabilities from 3rd party. We checked with other sources (workshop, police, other rental co) - all said you pay what you sign for. Expensive lesson learnt.

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Zen Ang

09 Jul 2020

I think u can try https://www.motorist.sg/car-insurance. i bought my car insurance from them but im not sure if they have car rental insurance. but i know they do car rental service also so they should have insurance to cover car rental user i feel.

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Cedric Jamie Soh

04 Oct 2019

Director at Seniorcare.com.sg

Yeah, there is insurance that you can pay for when you rent a car.

The car rental agency is usually happy for you to sign the insurance

covers the usage of rental car with EXCESS (or deductible) payable by the renter
covers everything, including excess.

2 is obviously a more expensive premium as it covers the entire bill... Most car rental agencies can't offer 2 because not many Singaporean will opt for this. They think this is a way for car rental and insurance firms to earn more (they do earn more...)

Excess of $6000 for the car bill is not uncommon. Though I strongly suspect the bill is marked up a lot by the car workshop since its "paid by insurance and excess" and the car rental firm probably can't care (not their money)

I am not sure what you can do though, its a big, long problem in car workshop and insurance.

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