Renting a car in Spain opens the doors to the world of comfort and convenience. In this article we will explain what a car rental franchise is, how it differs from insurance and how to choose between them. In addition, it will tell you what expenses are not covered by the franchise, and some options for renting a car without a franchise are offered.
What is a car rental franchise?
The deductible is the amount that you pay (or that is withheld by the car rental company) in the event of any damage or claim resulting from an accident. The franchise is the maximum financial responsibility of the client for the vehicle in the event of an accident.
Negligence or malicious incidents are never covered by insurance.
The difference between a deductible and insurance
The difference between a deductible and insurance when renting a car is who pays for repairs.
Deductible means that you agree to pay for any damage caused by you or another driver up to a predetermined amount (the amount of the "deductible").
Insurance covers all or part of these costs, regardless of who was to blame for the accident or incident that led to damage to your rented car. However, this does not guarantee that repairs will be free of charge; many insurance policies require the customer to make an advance payment and then receive a refund by providing proof of all repair costs incurred (for example, receipts).
Which is better: deductible or insurance?
It depends on which type of insurance best suits your needs during your stay in Spain; both types of insurance provide protection against damage, but offer different conditions.
If you want to get full protection against all repair costs regardless of who is to blame, then insurance is best suited for this purpose. Here it is worth remembering that even in full insurance there are nuances. Be sure to read the documents before signing them.
On the other hand, if you are looking for more economical protection, then choosing a franchise can help significantly reduce the initial costs.
Do I need to pay a deposit if there is a franchise?
Many people think that a franchise and a deposit are the same thing, but this is not the case. Payments cover various unforeseen circumstances. If in the first case we are talking about an accident caused not by the fault of the lessee of the car, then in the second case – the deposit - covers additional costs, for example:
Additional mileage Late return of the car Additional rental days Lack of fuel when returning Damage to the salon Loss of keys Loss or breakdown of additional devices (GPS navigator, etc.) Inadequate driving or use of the car Violations of the general rules of the contract 
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