Auto insurance: how to rent a car from a private individual?

Auto insurance: how to rent a car from a private individual?

Alt = "What type of insurance to choose for your car?"
More and more widespread, car rental between individuals allows savings to be made. But how does this translate on the insurance side?
The car is now the second largest expense item for the French, behind housing and ahead of food, with an average budget established between 5,400 and 6,200 € in 2016. Because owning a vehicle is expensive, between maintenance, insurance and fuel, not to mention possible costs in the event of an accident. However, it is possible to reduce the bill, and even make money with your car, in a very simple way, by renting between private individuals. An increasingly popular method, made possible by many specialty sites, allowing owners and those in need of a vehicle to come into contact. Renting your car is a good way to cut costs, and even make it profitable when you don't need it. For the lessee, this practice makes it possible to benefit from a cheaper car than from a traditional lessor, while having a wide choice throughout France.

If you want to hire your car, nothing could be simpler, since it is enough to register on one of the many sites offering this service, to write a presentation of your vehicle and to indicate the periods during which it is available. The configuration of the latter then differs depending on the operator, with some opting for a box controlling the opening of the doors, while others favor the delivery of the keys by hand. Whether for an hour, a day or a week, everything is possible, depending on your needs and the availability of the vehicle you want. Generally lower than with conventional rental companies, the rental amount varies according to several criteria, such as the daily price, set by the owner, the duration, service charges, insurance and various guarantees as well as any supplements. . This is especially the case if you are a young driver or if you exceed the expected mileage.

What about insurance?
Note that it is better to go through a specialized site to rent your car to another person, at the risk of not being covered in the event of damage. Moreover, insurers do not agree to cover paid rental between individuals, as it is a business practice, which requires professional insurance. By using a company, you will therefore benefit from a car insurance included in the rental contract, then including a civil liability guarantee, as well as various guarantees covering theft or even fire, among others. Before renting a vehicle from a private individual, be sure to check the insurance offered as well as the conditions, such as the length of the driving license, the age of the driver, the mileage of the car or its use. If these are not respected, the company can then refuse to take charge of the damage.