Our Benefits
We reimburse your excess
If your hire car is involved in an accident or is stolen while in your care, we will reimburse you for the excess charged by the rental company
We cover damages excluded by others
We cover damages excluded by others – We also reimburse charges billed to you due to damage to the rental car’s windscreen, auto glass, tyres, undercarriage or roof.
All welcome
Not EU or UK resident, not a problem! Non-EU or non-UK residents can also purchase a policy.
Premium protection without the rental desk prices
- Stress-free payouts with a 97% approval rate
- Global protection for international citizens
- We cover all nominated drivers
- Rapid reimbursement to get your money back fast
- We cover single-vehicle accidents
- Worldwide cover
- We cover baggage and personal belongings
- Insuring everything from compacts to 4x4s, SUVs and campers
- We cover the replacement of a lost or stolen Rental Car key
- Multi trips
- We fight the fine print - towing and admin fees included
- Local Rentals
- We cover rentals for up to 45 days
CarInsuRent Policy coverage chart
| Warranty | What does it cover? | How much does it cover? |
|---|---|---|
| Damage due to collision or theft | Reimbursement of the deductible applied by the rental company as a result of accidental damage caused to the vehicle, including tires, windshield, underbody and other parts | $ 2,500 - $ 4,500 |
| Improper Fuel Use Charges | Tank emptying costs and vehicle towing, when the wrong fuel is refueled into the vehicle by mistake. | $ 500 |
| Loss or theft of keys | In the replacement of lost or stolen keys, including lock and locksmith costs. | $ 500 |
| Towing charges | Covers the tow truck of the rented car in the event of a breakdown or accident. | $ 500 |
| Vehicle return charges | If as a result of an accident or illness with hospitalization you cannot return the vehicle. | $ 250 |
| Personnal belongings | In case your baggage, personal belongings or valuables are taken, permanently lost or unintentionally damaged during your trip | $ 500 |
| Hotel expensses | If You are unable to use your rental vehicle as a result of it being stolen or damaged | $ 150 |
Vehicle rental excess insurance
What is insured?
- Excess reimbursement up to US$ 4,500
- Damage Waiver (LDW) up to US$ 4,500
- Towing charges up to US$ 500
- Improper fuel charges up to US$ 500
- Loss or theft of keys up to US$ 500
- Vehicle return charges up to US$ 250
- Personnal belongings up to US$ 500
- Hotel expenses up to US$ 150
What is not covered?
- Damage to the vehicle or property of a third party
- Damage caused by a person not authorized to drive the rented vehicle
- Mechanical failure of the rented vehicle
- Loss or damage to the vehicle’s interior that is not related to a collision.
- Parking tickets or fines, traffic violations and such
- Any loss that occurs outside the validity of the insurance
- Any rental contract of more than 45 days
Is the coverage subject to any type of restrictions?
- Any claim resulting from a direct breach of any of the terms and conditions of your rental agreement
- Any person under 21 or above 84 years of age
- Rentals that begin or end outside the insurance period, as indicated on the insurance certificate
- The policyholder must be designated as the main driver in the rental agreement
- The maximum amount that can be claimed for a single loss is US$ 4,500
- Damage to Recreational vehicles (RVs) / Motorhomes / Campervans (unless you have purchased a specific cover)
- Damage to vehicles provided by a peer-to-peer vehicle rental service platform or a subscription vehicle service is excluded (unless purchased specific coverage)..
Where do I have coverage?
- Anywhere in the world except trips in, to or through Afghanistan, Cuba, Congo, Iran, Iraq, Ivory Coast, Liberia, North Korea, Myanmar, Russia, Sudan, Syria, Ukraine and Zimbabwe
What are my obligations?
- When applying for your policy, you must exercise reasonable care to honestly and carefully answer any questions asked.
- You must take all reasonable steps to avoid or reduce any loss (for example, you must report accidents or other damage to your rental company nd to CarInsuRent as soon as reasonably possible).
- If you make a claim, you must provide the documents and other evidence that claims handlers need to process your claim.
- You must repay any sums to which you are not entitled (for example, if we pay your claim for an accident which is later compensated by a third party).
- You must not violate the terms of the rental agreement.
When and how do I make the payment?
- The premium must be paid in full before the policy start date. Payment can be made by credit or debit card or PayPal through our website
What is the start and end date of coverage?
- As set out in the insurance certificate, as agreed in the application process, your policy will cover you from the start date and time of your booking to the end date and time of your booking.
How do I cancel the contract?
- You can cancel your policy before the start date or within 14 days from your purchase through our customer service team.
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Customers Reviews
J'ai pris l'assurance annuelle pour le rachat de franchise et elle est amortie dès la première location ! Bien plus avantageuse et couvre mieux que celle proposée par les loueurs. Pour ma part, je loue 3 à 4 fois par an des véhicules pour une durée totale de 10 à 12 semaines. A mon niveau , CARINSURENT c'est 450 € d'économies par an !
Had some questions after booking, emailed customer service as I have a US phone and received very quick responses and satisfactory resolutions. Would definitely recommend.
It's true that I did not have to use it (which is good), but on the communication side, they have always been very present, so I assume that they will provide a great service if necessary!
Frequently Asked Questions (FAQ)
Yes - CarInsuRent's rental car excess insurance policy covers misfueling (i.e. putting the wrong fuel in a rental vehicle). Our policy covers tank emptying costs and vehicle towing when the wrong fuel is refueled into the vehicle by mistake. The policy also covers accommodation if the car is unusable.
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
Losing rental car keys can be a frustrating and stressful experience, but there are steps you can take to get back on the road quickly. Here are some tips based on the provided web search results:- 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.
- 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.
- 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.
- Check your insurance policy: If you take out our car hire excess insurance you may have coverage for lost or stolen rental car keys.
- 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.
If you are a non‑EU / non‑UK resident and you want to get affordable rental car “excess” (deductible) insurance when hiring a car abroad, CarInsuRent offers excess waiver policies for rentals in many countries worldwide, often cheaper than adding cover at the rental desk. We offer daily and multi‑trip excess protection policies covering damage, theft, tyres, glass, towing, etc.
Our CDW Insurance is a reimbursement that covers your excess obligation when renting a vehicle.If the car gets damaged while in your custody, the rental firm will compute the cost of repair needed and bill you through your credit card (up to your excess). After filing a claim with CarInsuRent, we will reimburse you the assessed amount.You can read the complete terms and conditions in the Product Disclosure Statement (PDS).
Short answer: yes. CarInsuRent does include coverage for personal belongings / baggage stolen from a rental car - but only under certain conditions. Our policy includes a “personal belongings” (or “baggage and personal belongings or valuables”) section - meaning that if your luggage, valuables or personal items are stolen (or permanently lost or unintentionally damaged) during your rental period, you may be eligible for reimbursement. The maximum payout for personal belongings is limited: in their standard plan, this coverage is up to US $500. If you want to rely on CarInsuRent for stolen belongings inside a rental car, you should keep receipts or proof of purchase for valuables. Take photos before leaving the car (if possible). Lock the car properly, avoid leaving valuables visible/unattended, and store items out of sight (e.g. in the trunk). Immediately report theft to local police, and obtain a police report - that’s often a requirement before we will consider a claim.
In short: Yes. Our policy states that we cover single-vehicle accidents. It also covers damage to “bodywork” of the rental vehicle; that includes external surfaces - which means dents, scratches, bumper damage, etc. CarInsuRent is a “hire excess insurance” - it doesn't replace the rental company’s own insurance. Instead, it reimburses you for the excess/deductible you must pay if there’s damage.
Yes - in many cases CarInsuRent does cover vandalism and, depending on the circumstances, damage from a hit-and-run to a rental car. We cover damage to bodywork, windows/glass, tyres, wheels, underbody, roof, etc. If the rental company charges you for repairs after a hit-and-run (or similar incident that results in damage while the car is parked or left unattended), CarInsuRent’s policy will reimburse you - as long as you meet their claim requirements (report the damage, provide documentation, pay the excess, etc.).What “hit-and-run” means in this context? A hit-and-run claim - for example, someone damaging the rental car while parked and fleeing - typically involves vandalism or collision damage.
Find the answers you’re looking for to the most frequently asked car hire insurance questions as well as other questions relating to our products and services.
