Car Rental in Summer: Insurance, Deposits, Hidden Fees, and What to Check Before Signing

June 11, 2026
Travel

Renting a car remains one of the best ways to gain freedom during vacations. It allows you to make an impromptu stop along a route, reach beaches or villages that are hard to reach, and travel without being tied to schedules. However, behind a seemingly simple booking lie terms and conditions that deserve careful review to avoid unexpected charges when picking up or returning the vehicle.

The good news is that most problems that tend to arise when renting cars in summer are avoidable. You don’t need to be an expert or read dozens of pages of legal terms: it suffices to know which aspects truly matter and where differences between an attractive offer and one that could end up costing much more than expected usually hide.

If you’re only going to take five tips from this guide, make them these:

  1. Check what the insurance actually covers.
  2. Review the deductible before booking.
  3. Confirm the fuel policy.
  4. Verify the security deposit and the payment method.
  5. Take photos of the vehicle when collecting and returning it.

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Table of Contents

Why renting a car in summer requires more attention than it seems

In summer, demand for rental cars surges and certain categories can sell out weeks in advance. This leads many travelers to end up booking the first reasonably priced vehicle without paying much attention to the terms.

However, two seemingly similar cars can hide important differences in areas such as insurance, fuel policy, included mileage, or the security deposit. For that reason, more than the price, it is worth taking a few minutes to understand what you are actually contracting.

The best booking isn’t always the cheapest: it’s the one that fits the trip, reduces risks, and avoids unexpected charges when picking up or returning the vehicle.

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The insurance: the part of the contract worth reading

If there is one section that deserves extra attention, it is the insurance. Most disputes related to car rentals originate from coverages that the driver assumed were included and that, in truth, were not.

This situation is quite common. The user books online, picks up the keys, and assumes that any incident will be covered by the policy included in the price. However, when a scratch, a broken windshield, or damage to a wheel appears, they discover that certain parts of the vehicle were not protected as they expected.

If you have suffered a significant accident and the insurance declares your car a total loss, the value is calculated according to annual depreciation tables.

The basic coverage typically includes general damages from a collision or certain incidents, but it does not always protect items like tires, undercarriage, mirrors, windscreens, or loss of keys. These are among the problems most commonly encountered on vacation.

The question every driver should ask is not only which insurance is cheaper, but how much risk they are willing to take on during the trip.

What the deductible (franchise) is and why it can completely change the rental price

The deductible is one of the most important —and also least understood— concepts in car rental. In simple terms, it is the maximum amount the driver could have to pay in case of damage or an accident, even if there is a coverage in place.

That is why it is common to find very cheap deals paired with high deductibles: the rental appears cheaper because a portion of the risk remains on the customer. Tariffs with lower or no deductible usually cost more, but also offer more peace of mind during the trip.

The key is to review this point before booking and not focus solely on the final price. Two seemingly similar offers can hide important differences in coverages, exclusions, and the amount that might be charged if the car sustains any damage.

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Hidden charges exist, but not always where you expect

When discussing hidden charges in car rentals, it is often not about unexpected fees but about costs that appear in the contract terms and are easy to overlook during the booking.

Among the most common are an additional driver, returning the car at a different office, picking up outside of business hours, or extras like child seats and navigation devices. There can also be surcharges associated with certain locations, especially at airports.

That is why, before confirming the reservation, it is wise to carefully review which services are included in the price and which could incur extra costs upon arrival at the desk.

Charges to check before booking

  • Additional driver.
  • Included mileage.
  • Fuel policy.
  • Pickup or drop-off outside of hours.
  • Return to a different office.
  • Child seats, boosters, or GPS.
  • Aeropuerto or station surcharges.
  • Cancellation or modification conditions.

Is it worth purchasing the insurance offered at the desk?

Few situations generate as much pressure as reaching the rental desk after a long flight. It is precisely at that moment that many drivers receive a proposal to expand coverages or buy additional insurance.

The discussion typically revolves around possible damages, theft, or unexpected expenses, which can raise doubts even for those who had previously reviewed the terms.

The answer isn’t always the same. In some cases, extending coverages can make sense, especially if the initial deductible is high or if you will be driving for many days. In others, the driver may find that they already have sufficient protection through the booked rate.

It’s important not to rush into buying a used car

What matters is not making hasty choices. Before accepting any extension, understand exactly what it covers, how it improves the original booking, and how much the final cost would increase.

Fuel policy remains one of the most important points

Fuel policy is one of the sources of the most disputes. At first glance it may seem minor, but a unclear policy can translate into extra charges when returning the car.

The clearest approach is usually the full-to-full policy: you pick up the car with a full tank and commit to returning it exactly as it was. It’s a straightforward formula, easy to understand, and it minimizes chances of conflict.

In any case, keep the receipt from the last refueling and photograph the fuel gauge before handing back the vehicle—this remains one of the most useful tips for any driver.

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Before booking, think about the trip you’re going to take

One of the most common mistakes is choosing a car based solely on price. However, the ideal vehicle for a couples’ getaway does not necessarily suit a family vacation or a long-distance road trip.

Before booking, ask yourself how many people will travel, how much luggage there will be, and what kinds of routes you’ll be taking. A car that’s too small can become uncomfortable after several days, while a higher category might pay off if you’ll be behind the wheel a lot.

In the end, the best booking isn’t necessarily the cheapest one, but the one that best matches the trip you have planned.

A family beside the car, heading to vacation

What kind of car might interest you depending on the trip

  • Couples getaway: a compact car, easy to park and with modest fuel consumption.
  • Family vacation: a roomy vehicle with a large boot and enough space for kids and luggage.
  • Long road trip: a comfortable car, stable, and in a category suitable for many kilometers.
  • Group travel: a minivan, large SUV, or seven-seater, provided availability.
  • Urban destination: a small or compact model for easier movement and parking.

Is it worth picking up the car at the airport?

Picking up the car as soon as you land remains one of the most convenient ways to start a vacation. It avoids extra travel, allows you to load luggage directly into the vehicle, and makes organizing a trip with kids or irregular schedules much easier.

However, that convenience is not always free. Airport offices often incur additional costs for operating on-site, which in many cases ends up reflected in the final price of the rental.

That doesn’t mean renting a car at the airport is a bad option. In fact, for many travelers it remains the most practical alternative. The key is to compare the total cost with other offices located in the city or near the airport, and not rely solely on the daily rate.

The security deposit: the detail that surprises first-time renters the most

There’s a familiar scene that repeats every summer. The driver reaches the desk, presents the documents, and discovers that the company will place a several-hundred-euro hold on their bank card.

That is the security deposit, one of the most important but least understood aspects of renting a car.

The purpose of this hold is to serve as a guarantee during the rental period. The amount varies by company, vehicle type, and coverage chosen, but it can easily exceed several hundred euros for certain categories.

The important thing to understand is that this money is not typically charged; it is temporarily blocked until the vehicle is returned and everything is confirmed to be in order.

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Credit card or debit card: a bigger difference than it seems

Another frequent mistake happens even before collecting the keys. Although more options exist, many companies still require a credit card to formalize the rental and manage the security deposit.

Some users arrive with a debit card thinking it will be enough and discover too late that it does not meet the required criteria. The situation can be especially problematic during holidays, when finding a quick alternative isn’t always easy.

Therefore, before confirming the booking, it is wise to review which payment methods the company accepts and what conditions apply in each case. It is also important that the card is in the name of the main driver if the rental company requires it.

What to check before leaving the parking lot

The vehicle inspection is one of those steps that many drivers rush through because they’re eager to start the trip. However, taking a few minutes to inspect the car can prevent later problems.

Before driving off, it is worth checking the overall condition of the body, tires, mirrors, windows, and interior. It is also wise to verify that the mileage and fuel level match the data stated in the contract.

Photos have become an indispensable tool in this process. A quick video around the exterior and several photos of the general condition can be very useful if any discrepancy arises when returning the vehicle.

This is not about distrusting the rental company, but about having objective evidence in case a problem arises.

Traveling with family: why seven-seat cars tend to run out first

Family-friendly vehicles are among the most in-demand categories during the summer. Those traveling with children, lots of luggage, or several companions usually require more space, so seven-seater cars tend to sell out before other options.

Family loading the car for vacation

If you plan to travel with a group or as a family, booking in advance is especially important to secure availability and avoid paying more for a similar category.

When renting a car for a month can be cost-effective

For years, car rental was associated almost exclusively with short breaks. However, the trend is changing.

The rise of remote work, temporary stays, and long trips has boosted options such as monthly car rental, a format increasingly popular among those who need mobility for several weeks.

In many cases, the daily rate decreases as the duration of the contract increases, which can make this option an attractive alternative to owning a car. There’s also a factor many drivers consider: avoiding wear and tear, maintenance, and mileage accumulation on their own car.

Europcar’s offer for those organizing their holidays

If you’re already planning a summer getaway, a road trip, or a family vacation, Europcar has launched a promotion that can help reduce part of the transport budget.

The company offers a 15% discount on a wide selection of vehicles for reservations made in the coming months, an appealing opportunity for those who prefer to secure the rental in advance and ensure availability during peak season.

The promotion includes:

  • 15% discount on the booking.
  • Bookings up to August 31, 2026.
  • Available at Europcar offices throughout Spain, except Ibiza.
  • Valid for most vehicle categories, except 9-seat models.
  • Pickup dates between June 4 and July 31, 2026 and August 23 to December 15, 2026.

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The cheapest offer isn’t always the best deal

When searching for a rental car, it’s common to first look at the price. However, two seemingly similar rates can hide important differences in areas like insurance, deductible, fuel, or included kilometers.

Take advantage of Europcar’s 15% discount on their rentals.

That’s why, beyond comparing numbers, it’s wise to check what each offer actually includes. In many cases, a slightly higher fare ends up being more economical because it avoids extra costs during the trip.

Always compare based on the final price, not just the initial daily rate that appears first.

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Common mistakes when renting a car in summer

Most problems related to car rentals aren’t about breakdowns, accidents, or extraordinary situations. In fact, they often occur well before you start the engine.

Among the most frequent mistakes is booking at the last minute. In summer, availability changes quickly and the most demanded categories, especially family cars and automatics, tend to sell out ahead of time. Waiting too long can mean paying more or ending up with a less suitable option for the trip.

It’s also common to pay attention only to the initial price without reviewing aspects like the deductible, included coverages, or the fuel policy. Many drivers discover these differences when they are already at the desk and have little time to compare alternatives.

Travel safely and smoothly with your rental car.

Another fairly common mistake is not performing a pre-departure check of the car. A photo can prevent later disputes over a scratch, a scuffed wheel, or a small defect that was present when you picked up the vehicle.

And there is one more error that shows up more often than it seems: not reading the return conditions. Dropping the car off outside business hours, at a different office, or with less fuel than agreed can translate into easily avoidable charges.

The best routes through Spain to enjoy a rental car

There are few countries that lend themselves to road trips as much as Spain. In just a few hours you can go from a big city to a hidden cove, from a mountain landscape to a vineyard route, or from a coastal highway to a cluster of historic villages.

That’s why a big part of the appeal of renting a car on vacation is the freedom to improvise.

The Costa Brava remains one of the most popular routes for those who want a mix of beaches, cuisine, and charming small towns. Further south, Andalusia allows you to connect monumental cities with white villages and nearly tailor-made natural parks for travelers.

Driving is still one of the best ways to explore Spain.

The northern regions offer a completely different experience. Asturias, Cantabria, Galicia, or the Basque Country are areas where the car makes it possible to discover corners far more difficult to reach by public transport.

And then there are lesser-known routes: secondary roads through Castilla y León, escapes through Extremadura, or journeys through the interior of Aragón. It is precisely here that renting makes the most sense, because it allows you to tailor the trip to your own pace.

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What to do if you have a breakdown or an accident

Nobody rents a car hoping something will go wrong, but it’s useful to know how to act if it happens.

First, stay calm and contact the company using the assistance number listed in the contract. Most companies have specific protocols for these situations and can tell you the steps to follow according to the incident.

If there is an accident involving other vehicles, it is also advisable to collect as much information as possible, take photographs, and fill out a friendly report when appropriate.

In the case of a breakdown, the important thing is not to try to resolve the situation on your own without consulting the company first. Depending on the contract and coverage, certain costs might not be covered if the procedures aren’t followed.

The key is simple: document everything and keep any information related to the incident.

Car return: the final step and one of the most important

Many people think the rental ends when they park the car at the desk. However, returning the car is one of the most critical phases of the entire process.

Whenever possible, try to complete the return during office hours so an employee can inspect the vehicle on the spot. This helps clear up any doubts immediately and avoids awkward situations later.

Keys of a car

Before handing back the keys, it is also advisable to take a final round of photos that show the car’s overall condition, mileage, and fuel level. It may seem unnecessary, but it is a practice increasingly recommended by mobility experts and consumer organizations.

If the vehicle is returned in good condition, the security deposit should be released later following the timelines set by the rental company and bank.

Documentation you should have ready before arriving at the counter

Although it seems like a simple procedure, every summer there are issues related to documentation. What you’ll typically need is:

  • Identity document or passport.
  • Valid driver’s license.
  • Bank card in the name of the main driver.
  • Reservation confirmation.

It is also worth checking if there is a minimum age to rent the vehicle or if a certain driving license tenure is required. This is especially important for younger drivers or for bookings for long trips.

Checklist: what to check before signing the contract

Before accepting any rental, it’s worth taking a few minutes to verify a few basic points:

  • ✔️ The final price matches the reservation.
  • ✔️ The deductible and coverages are clear.
  • ✔️ You know the amount of the security deposit.
  • ✔️ The fuel policy is specified.
  • ✔️ You know how many kilometers are included.
  • ✔️ You understand where and when you must return the vehicle.
  • ✔️ There are no supplements you didn’t request.
  • ✔️ You know the cancellation conditions.
  • ✔️ You have checked the car’s condition before leaving.
  • ✔️ You have saved photos of the vehicle, fuel level, and mileage.

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Frequently asked questions about renting a car in summer (FAQs)

What insurance is most advisable when renting a car?

There isn’t a single answer. It depends on the destination, the trip duration, and the level of peace of mind each driver seeks. The important thing is to always review the deductible, exclusions, and the parts of the vehicle that are covered before contracting any protection.

What additional charges can appear on a reservation?

The most common are related to an additional driver, fuel, pickup outside hours, returns at a different desk, child accessories, or certain surcharges tied to airports and stations.

Is it better to rent a car at the airport?

It is the most convenient option for many travelers, although not always the cheapest. It is wise to compare the final price with other offices nearby before deciding. In some cases, the convenience of picking up the car on arrival justifies the price difference.

How far in advance should you book?

In summer, the sooner, the better. Especially if you’re looking for a family car, an automatic, a seven-seater, or a specific category. Booking early also allows you to compare terms more effectively.

Is it mandatory to take photos when collecting the car?

It isn’t mandatory, but it is highly recommended. Having images of the vehicle’s condition before and after rental can prevent problems in case of a claim or a dispute about pre-existing damages.

What is the difference between deductible and deposit?

The deductible is the maximum amount the driver could be liable for if there are damages covered under the policy. The deposit, on the other hand, is a temporary hold that the company can block as security during the rental period.

Can I rent a car with a debit card?

It depends on the company, country, office, and vehicle category. Many companies still require a credit card to manage the deposit, so it’s wise to check this before booking.

What fuel policy should I choose?

The full-to-full option is usually the clearest: you receive the car with a full tank and return it with a full tank. In any case, keep the receipt from the last refueling and photograph the fuel gauge.

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Conclusion: the keys to renting a car without surprises

Renting a car during holidays should enable you to travel with greater freedom, not add worries to the trip. However, simply overlooking a few details can turn a seemingly straightforward booking into unexpected costs.

That’s why, before choosing an offer, it is worth taking a few minutes to review aspects such as insurance, the deductible, the security deposit, the fuel policy, and the return conditions. These matters may seem secondary when organizing a trip, but they make a significant difference once you’re on the road.

And if you also book ahead and take advantage of available promotions, such as the 15% discount currently offered by Europcar for certain dates and offices in Spain, the result is typically a more comfortable, flexible, and also more economical trip.

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Daniel Brooks

I cover everyday products with a practical eye, from kitchen tools and home essentials to smart gadgets and consumer trends. My goal is to help readers understand what is genuinely useful, what is worth the price, and what deserves a second look before buying.