When you need this

This is the part of the rental counter where people get nervous, because it's about money and rules. The agent checks your driver's license, maybe asks for an international driving permit, and then offers insurance. The words are new, and the agent talks fast because they say it fifty times a day.

Slow them down. "Sorry, what does that cover?" is a normal question here. The key word is "deductible": the amount you pay yourself if the car is damaged, before the insurance pays the rest. In Australia and the UK you'll hear "excess" for the same thing. A lower deductible costs more per day.

Phrases

the card that says you can drive; British spelling is licence

a paper translation of your license, needed in some countries

asks if the price already has insurance in it

asks what the insurance pays for

what you pay yourself before insurance pays

asks for better cover, usually for more money

insurance with a very low or zero deductible

some cards include rental insurance

says no to an offer politely

many companies have a minimum age, often twenty-five

an extra daily charge for drivers under twenty-five

asks to look for old damage before you leave

Say it out loud

Tap a sentence to hear it. Say it after the voice.

Practice · 3 min

Say the line that fits. Situation on the left, one natural line on the right.

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Say it today

Use it once in a real conversation before tomorrow. Out loud counts, even to yourself.