The Benefits of Rental Car Insurance

Wondering if it’s worth it to pay the extra fee for rental car insurance? With warmer weather in the not too distant future stateside, and plenty of warm weather year round on Grand Cayman, it’s a good time to consider planning a road trip. The question of rental car insurance will always come up, and the frugal part of you will always want to say no. So, when is it ok to say “yes” and when should you pass on the peace of mind?

Collision Protection

Most people have car insurance, but they may not specifically have collision protection for rental cars in Grand Cayman. This protects you from accidents involving not just other cars, but other objects (like poles and walls) too. Collision coverage saves you significant money with out of pocket costs. There is also the standard sales pitch that your collision coverage may not be enough to cover specific damages, which may not be wrong. The fact is that many of us buy the bare minimum in terms of coverage thinking that we are safe drivers and we will save money this way. If you need the extra coverage, the nominal fee may be worth it to you.

What Your Insurance May Cover

Your insurance may cover rentals if and only if it’s related to an accident, like a loner car so you can get to work while your repair is performed. This coverage typically applies only to the main policy holder, so your spouse may not have the same coverage that you do. You may also have some coverage through credit cards, but they may require you to pay the full amount before you qualify for the coverage discount. The insurance you have also may not cover fees associated with a car rental on Cayman Island. For instance, administrative fees or charges for days the vehicle was unable to be rented may be unable to recoup.

Final Thoughts

In the end, car insurance with a rental agency is often just a few dollars beyond the bill that you are already paying, and it covers you for most hazards you’ll come across in your stay. Some people may find it worth the costs to assume this additional level of protection, which provides peace of mind and better coverage in the event that the worst occurs.

Before you leave on your trip, contact your insurance company and your credit card. They may have some benefits for you that are not aware of, but be sure you read the fine print.

Related Story: Rental Car Basics When Visiting Grand Cayman

Related Story: Rental Car Insurance: Which Credit Cards Have You Covered
Andys Rent-A-Car offers visitors a Cayman Islands car for hire to be used on vacation or business. Andy’s Rent-A-Car is conveniently located near the airport, making pickup and drop off simple.

Do You Need Insurance When Renting a Car?

Written by Andy’s Rent-A-Car

Do you need car rental and travel insurance? This is the most common question from tourists in foreign lands looking for car rental. Damage insurance is very important, you’ll never know when you’ll get into an accident. Even a small scratch or dent can cause serious damage to your travel budget.

How do you know if you need additional coverage? Some insurance companies cover premiums on international travel coverage. Check with your agent what the coverage is and if it includes car rental damages. If you’re travelling for business or a vacation that is covered by your company, check if your employer will provide corporate insurance on rented cars. This usually depends on the company credit card car insurance. Inquire beforehand so you’ll know if there’s a need for additional insurance from the car rental company.

If you’re travelling for vacation, check with your travel insurance. Some companies have travel accident or injury and car rental damages covered. To determine if you also need third party coverage, check for auto insurance offered by your card and the auto-rental company. Compare both in prices as well as the fine print. Clarify coverage on foreign car rental, what’s the limit and which types of cars are covered. For example, some car rental in Cayman Islands can provide full coverage fees and there are also some cards that deny coverage on large van rentals.

If you’re looking for Cayman Islands car rental, most insurance services include full or deductible coverage. Car rental companies like Andys Rent-A-Car offers coverage on damages for minimal fee, either in full coverage or deductible coverage. If your card covers insurance for 9-seater vans, please provide written confirmation so you could opt-out from their van coverage fees.

Andy’s Rent-A-Car offers car rentals in Grand Cayman Island for daily or weekly fees. Check out their site for hot deals and discounts all year round!

Beach-Goers: Do Not Lose Sight of Your Car Keys

By Andy’s Rent-A-Car

There’s a lot of fun to be had when you visit the Cayman Islands. Amongst many other things, you can head to the beach to have plenty of fun in the sun and then some. However, it won’t be much fun if you get items stolen. While the Cayman Islands are a generally safe place for vacationers, there are still petty thieves who would love a shot at stealing anyone’s Grand Cayman car rentals.

For this reason, it’s essential you don’t lose sight of your keys. Even those who have insurance for their car rental in the Cayman Islands, getting a car stolen is hardly part of an ideal vacation. So make sure that you always remember where they are.

As much as possible, obviously just keep them on you. If you’re traveling with others, make it a buddy system where everyone reminds each other to do a “key check” periodically.

When you go in the water, you can take your keys with you if you plan ahead and take a waterproof pouch that you can wear in. By doing this, thieves will have no chance at stealing your keys.


Despite its relatively small size, there is no shortage of things to do on the Cayman Islands. From swimming with manta rays to tanning on the beach to visiting historical sites, you’ll have your arms full while you’re there, which is why a Grand Cayman Island car rental from Andy’s Rent-A-Car makes so much sense.