Car Hire Excess Insurance Policies & Coverage

Yes. CarInsuRent insurance covers lost keys and remote locking devices. Losing the keys to a rental car can be a stressful and frustrating experience. Many people wonder if their rental car insurance will provide coverage for lost keys. Rental car insurance policies may vary in their coverage for lost keys. Lost keys are not typically covered by car insurance for loss or theft, as keys are considered personal property.

Steps to Take If You Lose Rental Car Keys

1. Contact roadside assistance: Most rental cars come with a roadside assistance phone number that you can call in the event of a lockout or lost keys. You should be able to call and have someone sent out to help with your situation. Note that our car hire excess waiver insurance may reimburse you for roadside assistance.
2. Check for a spare key: Some rental cars come with a spare key that is located in a magnetic box under the car or in the trunk. If you have rented a car that has a spare key, this could be an option to get back on the road quickly.
3. Contact the rental car company: Contact the rental car company as soon as possible to let them know what has happened. They may be able to provide you with a replacement key or arrange for a locksmith to come and assist you.
4. Check your insurance policy: If you take out our car hire excess insurance you may have coverage for lost or stolen rental car keys.
5. Take preventative measures: One of the best ways to avoid losing rental car keys is to make them harder to lose. Attach a big, noticeable lanyard or keychain to the keys, something that will make a noise when moved, to help you locate them quickly. Additionally, always double-check that you have the keys with you before leaving the car.

Yes. CarInsuRent support fast online quotes and purchases. We offer quick online quotes for Car Hire Excess Insurance (single‑trip or annual), with a simple 2‑step purchase process. Buying excess insurance before you pick up the vehicle is often more flexible and cheaper than paying for full “zero excess” coverage at the rental desk.  

Yes. CarInsuRent combine protection for both rental excess (i.e. the amount you’d have to pay out-of-pocket if the rental car is damaged or stolen) and some form of roadside assistance / breakdown / towing cover (if damage occurred during your rental, not for general mechanical failure).

Yes, CarInsuRent specifically cover damage to glass, mirrors, and lights. You can learn more about our windscreen coverage here.

Yes - Our excess insurance policy does include a number of “major exclusions / limitations” that you should be aware of before relying on it. Here are the key ones (i.e. situations where you likely won’t be covered). We recommend always reading your own Certificate of Insurance carefully, because coverage can also depend on exactly what plan you bought. 🚫 Major Exclusions & Limitations

• Third-party / liability / damage to others is not covered. The insurance is for the rental vehicle’s excess / damage to your rental — it does not cover damage you cause to other vehicles, people, or property.
• Unauthorized drivers or unlisted drivers. If the car is driven by someone who is not named on the rental agreement (or does not have a valid license), any damage or loss will not be covered.
• Interior damage and wear, mechanical breakdowns, and non-accident damage. Damage to the interior (if not caused by a covered “accident”), mechanical or electrical failures, and general depreciation / wear-and-tear are excluded.
• Commercial / specialized / excluded vehicles. Standard cover only applies to private cars (up to 8 seats including driver). Excluded are e.g. campervans, motorhomes, certain vans or vehicles with more than 9 seats; also excluded are motorbikes, off-road vehicles, some luxury / high-value or very old cars.
• The policy explicitly excludes rentals from Green Motion.
• Driving under prohibited conditions or in breach of rental agreement. If you drive recklessly, off-road, under influence of alcohol or drugs (above legal limit), or otherwise violate the rental agreement terms, coverage will be void.
• Fines, traffic/parking violations, liability or third-party claims, and administrative penalties Charges such as parking fines, traffic tickets, speeding fines, or similar are not covered.
• Rental duration & timing. Our standard policy usually only covers rentals up to 45 consecutive days. The policy only applies if you purchased it before picking up the vehicle.
• Geography restrictions. Some territories are excluded for “Worldwide” coverage (e.g. trips in, to or through Afghanistan, Cuba, Russia, etc.).
• Limits on belongings / personal items / valuables. If you expect CarInsuRent to cover loss of personal items / baggage / valuables, note the coverage is limited (small sub-limit) and there are exclusions: many items like money, travel documents, electronics, valuables, items left in vehicle’s trunk, etc., are excluded.
• No coverage if you commit a criminal or fraudulent act. Any damage or loss resulting from illegal use of the vehicle, criminal or dishonest acts, or unethical behaviour is excluded.

Yes - CarInsuRent covers administrative/processing fees charged by the rental firm. This coverage is limited (up to US $50) and only applies when those fees are related to damage claims and considered part of the excess/deductible liability. This is in addition to covering excess/deductible charges for damage, theft, tyres, windscreens, underbody etc. under our standard Excess cover.  

Yes - Our car hire excess insurance does cover damage to tyres, windscreen (auto glass), undercarriage and roof (among other exterior parts) under certain conditions. You can read this guide to learn more about how does tire insurance work.

Yes. The policy covers the policy holder (who should be the lead named driver on the Vehicle Rental Agreement) and all other drivers whose names are included in the rental agreement in addition to the policy holder.

Yes - CarInsuRent does cover lost or stolen rental car keys and towing/roadside assistance costs - provided the loss stems from a covered event (like theft or accidental damage) and all documentation and policy conditions are fulfilled. Loss or theft of keys are covered up to US $500 per claim for key replacement. Towing/roadside assistance in case of covered damage are covered up to US $500 as well.

In short: yes. Our policy does cover misfuelling (i.e. putting the wrong type of fuel in a rental car) - but only to a limited extent. If you, or another driver named on the rental agreement, put the wrong type of fuel into the rental vehicle, CarInsuRent will pay up to US$ 500 for that claim. That means we will reimburse either part or all of the excess (deductible) or additional repair/charges that the rental company demands for misfuelling, up to that limit.