Hiring a car in Perth gives you freedom, flexibility, and access to explore the stunning beauty of Western Australia. But one question many renters ask is: what insurance do I really need when renting a car in Perth?

Whether you're a local or tourist, understanding rental car insurance will help you avoid unnecessary expenses and protect yourself in case of an accident. At Accura Cars, we not only offer reliable vehicles but also guide you through the insurance options you should consider.

Why Insurance Matters for Car Rentals in Perth

Accidents and unexpected damages can happen anytime, even on the calmest drives. Without proper insurance:

• You could be liable for thousands in repair costs.
• Your personal travel insurance may not cover rental cars.
• Minor damages like windscreen cracks or tire issues might become major out-of-pocket expenses.

Good car rental insurance gives you peace of mind, financial protection, and legal security.

Types of Rental Car Insurance in Perth

Here's a breakdown of the most common types of rental car insurance in Australia and what you should know:

1. Collision Damage Waiver (CDW) / Loss Damage Waiver (LDW)

• Covers the cost of damage to the rental car.
• Often comes with an excess (deductible) you’ll pay before the coverage kicks in.
• Standard with many rental agreements but always check the terms.

2. Third-Party Liability Insurance

• Covers injury or damage to other people or property.
• Legally required in Australia.
• Most car hire companies, including Accura Cars, include this by default.

3. Personal Accident Insurance (PAI)

• Covers medical expenses for the driver and passengers in case of an accident.
• Optional, but recommended for families or road trip travelers.

4. Theft Protection (TP)

• Covers costs if the rental car is stolen or vandalized.
• May be included in your rental, but check if excess applies.

5. Excess Reduction or Zero Excess Insurance

• Helps you reduce the amount you pay in case of an incident to zero or a much lower amount.
• Available as an add-on from Accura Cars for worry-free driving.

💡 Tip: Travel insurance may not fully cover rental cars unless you opt for specific add-ons. Always check with your insurer.

📌 What Insurance Do You Really Need?

At minimum, your rental should include:

• ✔️ Third-party liability insurance (legal requirement)
• ✔️ Collision damage waiver (to cover damage to the rental vehicle)

Recommended extras:

• ➕ Excess reduction coverage (to avoid high out-of-pocket costs)
• ➕ Personal accident insurance (especially for families or long-distance driving)

Final Thoughts

Understanding car rental insurance isn’t just about ticking boxes—it’s about driving confidently. Whether you're taking a short city trip or a long road adventure across Western Australia, make sure you’re covered with the right insurance.

At Accura Cars, we offer flexible insurance options tailored to your needs. So you can focus on the road ahead, while we take care of the risks behind the scenes.

👉 Ready to book your ride with confidence?

Visit www.accuracars.com.au and explore our family-friendly, business-class, and road-trip-ready vehicles—all backed by smart insurance options.