Car Sharing Insurance for Americans in Europe

Car Sharing Insurance for Americans in Europe: Essential Guide and FAQs

For Americans traveling or living in Europe, car sharing offers an affordable, flexible way to navigate cities and countryside. However, car sharing insurance rules and coverage in Europe can differ significantly from the U.S. Understanding local insurance requirements, coverage options, and rental conditions is vital to a safe and hassle-free experience.

How Does Car Sharing Insurance Work in Europe for Americans?

Local Insurance Requirements

• European countries generally require third-party liability insurance as a minimum, which covers damages to others if you cause an accident. This insurance is usually included by law in any car rental or sharing transaction.
• Additional coverage like collision damage waiver (CDW) or theft protection is often included or offered as optional add-ons.
• Unlike in the U.S., personal auto insurance policies from America typically do not cover driving in Europe, even with an International Driving Permit (IDP).

What To Expect From European Car Sharing Services

• Popular European car sharing platforms include DriveNow, Share Now, Zipcar Europe, Ubeeqo, and Getaround Europe. Each provides their own insurance packages integrated into rental fees.
• Insurance terms vary by country due to differing national laws—coverage limits, deductibles, and exclusions can differ widely.
• Some platforms provide fully insured vehicles with zero deductible, while others have higher deductibles or require drivers to purchase additional insurance.

Important Specific Questions and Answers for Americans

Do I Need an International Driving Permit (IDP) Alongside My U.S. License?

Yes, in most European countries, you must carry an International Driving Permit along with your valid U.S. driver’s license. The IDP translates your license information into several languages and is often required by car sharing companies and law enforcement.

Will My U.S. Auto Insurance Cover Me in Europe?

Usually no. Most U.S. auto insurance policies exclude coverage outside the U.S. and Canada. Check your policy, but you will likely need to rely on insurance provided by the car sharing company or purchase short-term international insurance.

What Coverage Should I Prioritize?

• Third-party liability is mandatory and usually included.
• Consider purchasing or confirming collision damage waiver (CDW) or equivalent coverage to minimize your financial risk.
• Look for theft protection especially in high-tourist areas or for longer rentals.
• Check if the policy covers personal injury or roadside assistance.

What Is the Typical Deductible or Excess in Europe?

Deductibles (called “excesses” in Europe) can range from €300 to over €1500 depending on the country and provider. Many car sharing companies offer ways to reduce or eliminate deductibles through additional insurance purchases.

Can I Use My American Credit Card Insurance Benefits?

Some major U.S. credit cards include rental car insurance benefits abroad, but coverage varies. Always contact your credit card company before travel to understand if your card provides adequate car sharing or rental insurance in Europe.

What Should I Do in Case of an Accident?

• Immediately contact the car sharing service and local authorities if required.
• Follow the specific reporting procedures provided by the platform.
• Document the accident or damage thoroughly with photos and notes.
• Notify your credit card insurer or additional insurance provider if you purchased coverage through them.

Are There Any Additional Tips for Americans?

• Familiarize yourself with local road rules and parking regulations.
• Always read the insurance terms carefully before booking.
• Consider purchasing additional excess insurance from third-party providers if offered.
• Check if your smartphone roaming plan includes access to the car sharing app seamlessly.

Conclusion

For Americans using car sharing services in Europe, understanding insurance nuances is critical to avoid unexpected costs and ensure a smooth experience. Since U.S. personal car insurance generally won’t cover you abroad, relying on the car sharing company’s insurance and potentially purchasing additional coverage is essential. Always verify coverage details before your trip and drive safely!

Here are 5 leading insurance providers and platforms known for car sharing and rental insurance in Europe in 2025, recommended for travelers (including Americans) looking for coverage during car sharing or rental:

1. Rentalcars.com
   • Offers insurance protection including coverage for excess reduction in car rentals across Europe. Provides affordable options via brokers rather than rental desk.
   • Website: rentalcars.com
2. DiscoverCars
   • Award-winning car rental platform with insurance protection options such as full coverage, super cover (including tires, glass, roof), and zero-excess plans.
   • Website: discovercars.com
3. Economybookings
   • Popular aggregator offering wide rental options with insurance add-ons that reduce or eliminate the deductible.
   • Website: economybookings.com
4. Europcar
   • One of Europe’s largest rental companies with comprehensive insurance products including collision damage waiver and theft protection.
   • Website: europcar.com
5. Sixt
   • Internationally known rental company with insurance packages tailored for car sharing and rentals, including full coverage and premium insurance add-ons.
   • Website: sixt.com

These companies and platforms provide coverage with competitive pricing and services adapted to European car sharing and rental markets. They cover liability, collision damage waiver, theft protection, and offer options to reduce excess (deductibles) to zero or minimal amounts, which is critical for peace of mind in Europe.

They are also noted for providing clear insurance terms, flexibility in choosing coverage, and good customer support for international customers including Americans