Réunion Island, a spectacular French overseas department in the Indian Ocean, beckons with its volcanic landscapes, lush rainforests, and stunning coastal roads. To truly experience the island's raw beauty and diverse terrain, a car is not just a convenience; it is a necessity. Navigating the winding mountain passes and reaching remote hiking trails is only possible with your own vehicle. However, before you hit the road, it is crucial to understand the intricacies of car rental insurance to ensure a worry-free holiday. This comprehensive guide will walk you through everything you need to know about car rental insurance in Réunion Island, from the different types of cover to what to do in an emergency.
When you rent a car in Réunion Island, the price you are quoted will almost always include a basic level of insurance, which is mandatory. This typically includes Third-Party Liability (TPL) insurance, which covers damage and injuries you may cause to a third party or their property. It is important to remember that this basic cover does not protect the rental vehicle itself. For that, you need to consider additional insurance options, often referred to as waivers.
Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW) is the most common form of supplementary insurance. This waiver limits your financial liability for damage to the rental car in the event of a collision. However, it is essential to be aware that a CDW usually comes with a significant excess, or deductible. This is the amount of money you are responsible for paying out-of-pocket before the insurance coverage kicks in. The excess can be a substantial sum, often several hundred or even a thousand Euros. A Loss Damage Waiver is essentially a CDW combined with theft protection.
To reduce or even eliminate this excess, many rental companies offer a Super Collision Damage Waiver (SCDW), also known as an excess waiver or full protection. This is a highly recommended option, particularly given the mountainous and sometimes challenging roads of Réunion. The SCDW significantly lowers or completely removes the excess, meaning you would not have to pay for the first portion of repair costs in the event of an accident. This peace of mind is invaluable.
Theft Protection (TP) is another important type of insurance. As the name suggests, it limits your financial responsibility if the rental car is stolen. Like CDW, this often comes with an excess, which can be bought down with a supplementary waiver.
In addition to these core types, some rental companies offer specific coverage for damages that are commonly excluded from basic waivers, such as damage to the undercarriage, tyres, and windows. Given the potential for punctures on volcanic roads and the risk of debris from passing vehicles, this type of coverage, often sold as Glass Breakage and Puncture Insurance, can be a wise investment. Some premium, all-inclusive packages may bundle these together with a low or zero excess, providing the most comprehensive protection.
While comprehensive insurance packages can offer a great deal of protection, they are not a magic wand. There are several common exclusions you must be aware of. The most significant is damage caused by negligence or a breach of the rental agreement's terms and conditions. This includes, but is not limited to, driving under the influence of alcohol or drugs, driving on unpaved or unauthorised roads (a critical consideration in Réunion's more remote areas), or allowing an unauthorised driver to operate the vehicle.
Furthermore, most insurance policies do not cover damage to personal belongings stolen from the car. While the vehicle itself may be protected against theft, the contents are not. It is always best practice to never leave valuables in your rental car, particularly in plain sight. Certain parts of the vehicle, such as the interior upholstery, keys, and specific accessories, may also be excluded from coverage, particularly if the damage is a result of carelessness.
Some policies may have geographic limitations, though this is less common for an island like Réunion where cross-border travel is impossible. However, it is always wise to confirm with your rental company if there are any restrictions on where you can drive the car, for instance, on certain high-altitude or particularly rough tracks.
Handling an Emergency or Accident
If the unthinkable happens and you are involved in an accident or a breakdown, knowing what to do is crucial. The first and most important step is to ensure the safety of yourself and any passengers. If there are any injuries, no matter how minor, you must contact the emergency services immediately. The pan-European emergency number 112 is active in Réunion and can connect you to the police, ambulance, or fire services. The local numbers are also available: 17 for the police, 15 for the ambulance (SAMU), and 18 for the fire brigade.
Once the immediate safety of all parties is secured, you should contact your car rental company's 24/7 assistance number, which will be provided to you upon collection of the vehicle. They will guide you through the next steps and arrange for a tow truck or a replacement vehicle if needed. It is a legal requirement to remain at the scene of the accident. You must exchange details with the other driver, including names, addresses, and insurance information. Take photographs of the scene and the damage to all vehicles involved. If there is significant damage or an injury, the police must be called to create a formal report, known as a 'constat'. Even in a minor collision without injuries, a 'constat amiable' (joint accident report) should be completed with the other driver. Never admit fault at the scene, as this can prejudice your insurance claim.
If you have a breakdown, contact the rental company's assistance line. They will dispatch a roadside assistance team to help you. Do not attempt to fix the problem yourself unless you are a qualified mechanic and have specific permission from the rental company.
Choosing the right insurance can feel overwhelming, but a strategic approach can save you money and stress.
Réunion Island is a destination of unparalleled natural beauty, offering a spectacular tapestry of landscapes just waiting to be explored. From the breathtaking Cirque de Cilaos to the dramatic coastlines and the otherworldly Piton de la Fournaise, a car is the key to unlocking its secrets.
Do not let the details of car rental insurance deter you. By understanding your options and choosing the right level of cover, you can embark on your journey with complete confidence. Take control of your holiday and your itinerary, and rent a car in Réunion Island today. The adventure of a lifetime awaits.
