Quick, Easy and Affordable Car Hire Excess Insurance

Short Answer: Most personal auto insurance policies extend to rental cars, but coverage varies by insurer and policy type.

Detailed Answer: Your personal car insurance typically covers rental cars with the same limits and deductibles as your regular policy. This includes liability, collision, and comprehensive coverage if you have them. However, coverage only applies to rentals for personal use, not business travel. Always verify with your insurer before traveling, as some policies exclude certain rental types or international rentals.

• Coverage matches your personal policy limits
• Same deductible applies to rental claims
• Business rentals often excluded
• International coverage varies by insurer
• Luxury or exotic vehicles may be excluded

Short Answer: Most US car insurance policies do not cover rental cars outside the United States and Canada.

Detailed Answer: Standard US auto insurance policies typically exclude coverage for rentals outside North America. Some insurers extend coverage to Canada, but European, Asian, and other international rentals usually require separate coverage. For international travel, consider purchasing rental insurance from the rental company or a third-party provider like CarInsuRent that specializes in international rental protection.

International Coverage Options:

- Rental company insurance (most expensive)

- Credit card coverage (limited protection)

- Third-party providers like CarInsuRent (comprehensive, cost-effective)

- Travel insurance with rental coverage

- Temporary international auto policies

The data is clear: CarInsuRent offers up to 70% savings on rental car insurance

Beyond savings, CarInsuRent offers:

• Transparency: Clear policy terms you can read at leisure.
• Control: You choose coverage levels without sales pressure.
• Flexibility: Coverage travels with you across countries and rental companies.
• Protection: Comprehensive excess coverage at a fraction of rental counter cost.

Whether you should buy the rental company’s insurance depends on what coverage you already have and your personal risk tolerance. Here’s a practical decision framework most people use:

Skip the rental company insurance if ANY of these apply:

• Check if your personal auto policy include coverage for rental cars.
• Most major credit cards (Visa, Mastercard, AmEx, Chase Sapphire, etc.) offer primary or secondary collision damage waiver offer rental car insurance coverage. Note: Almost always this coverage excludes liability, theft of personal items, and exotic/luxury vans/trucks. You must decline rental company CDW and charge the entire rental to that card.
• Check if your travel insurance (e.g., Allianz, World Nomads, credit-card trip insurance) includes rental collision.

Buy (or seriously consider) rental company insurance if:

• You have no personal auto insurance (e.g., you don’t own a car).
• You’re driving in a country where your U.S./home policy explicitly excludes coverage (fairly rare, but happens in Ireland, Jamaica, Israel, etc.).
• Your credit card coverage is secondary and you don’t want to deal with filing through your personal policy first (deductible + possible rate hike).
• You want zero-deductible peace of mind and don’t mind paying $30–$60/day extra.

Yes. Insurance for a single day is available.

No. You should purchase a policy before starting your travel.

Local rentals are covered by our Car Club / Car Sharing Hire Excess Insurance. You can use it in your Country of Residence and there are no restrictions regarding proximity of use to your home address.

If You are renting a Vehicle for use within your Country of Residence and if you purchased Multi Trip (Plan B) Policy, You must also have at least 2 nights pre-booked accommodation in your Country of Residence. The Annual Policy is priced for travelers who rent cars intermittently across multiple trips, not as a substitute for owning a car. Tourists typically drive fewer total days/miles per year and face different risks. Local renters drive far more and more often, which materially increases claim frequency and would break the pricing if covered at the same annual premium. The product is excess reimbursement for short-term rentals, not long-term / leasing / continuous domestic car use.

If You are renting a Vehicle for use within your home country and if you purchased Daily coverage (Plan A) you are covered even if theft or damage occurs within 150km of your home provided that you are a resident of the EEA.

Multiple rentals are allowed as long as each rental will not exceed 45 consecutive days.

in event that You return the rental vehicle and pick up another rental vehicle during the 48 hours after you return the first rental vehicle, the new rental is not covered under this policy, unless the new rental occurs within more than 150km from the rental station where you left the first rental vehicle.