If you're renting a car abroad then you'll always have to take out car insurance with your rental provider. At a minimum this will cover the car and usually personal liability, in case you cause an accident or damage someone else's car.
Car rental companies make a lot of money on the insurance and try to sell you various upgrades in cover, so it's worth preparing beforehand to make sure you've got the best deal and you're well protected. We wrote a blog post about this, which you can read here. In short, you can buy additional insurance, something called, 'car hire excess' cover, which means that if something happens and there is a big excess to pay the rental company, your insurer will cover it.
But what does Pluto cover me for?
Pluto doesn't provide car hire excess cover as an extra. We're working on including this.
However, you are covered when driving a rental car, as long as you have a valid license, for the other parts of your policy. Like medical costs if there's an injury, or if something is stolen from your car, as long as it's not left overnight or in plain sight.
Importantly the personal liability part of your policy doesn't apply here, this is what your car rental insurance is for.
If you need more help with this, you can message us any time.