Some travel insurance plans include coverage for rental cars or offer it as an optional add-on to cover car rental when you travel. Essentially, this coverage ensures that if a traveler rents a vehicle and it’s damaged or stolen, they won’t have to pay all of the cost of repairs and additional rental charges imposed by the car rental company.
See our review of travel insurance cover for rental cars for full details.
The travel insurance cover for rental cars breaks down to protecting you if the car is damaged due to a collision, theft, vandalism, windstorm, fire, hail, and flood. Essentially, anything that’s not within your control while the car is in your possession. In addition, the travel insurance cover for rental cars protects you if the car is stolen while in your possession.
It’s important to note that car rental collision coverage reimburses you for the cost to repair the rental car if it’s broken into, but it does not cover items inside the vehicle.
Travelers like car rental coverage with their travel insurance because:
It’s important to note that coverage for car rentals is not the same as your auto insurance back home. For example, it won’t cover trucks, motorcycles, RVs, etc. It also won’t cover personal liability.
Some countries don’t accept coverage for rental cars if it’s purchased outside the country too. Note what’s not covered your travel insurance car rental coverage.
Some travelers with car rental coverage on their credit cards like to have the excess covered with their rental car coverage on their travel insurance plan. This is because the policy limits on their credit card may not be enough if the vehicle is completely destroyed, for example, but the combination of both plans helps.
Damian Tysdal is the founder of CoverTrip, and is a licensed agent for travel insurance (MA 1883287). He believes travel insurance should be easier to understand, and started the first travel insurance blog in 2006.