Car Rental Insurance

If you are renting a car for a domestic or international vacation, you may be offered insurance or a "waiver" to cover whatever charges the rental company imposes if the car is damaged or stolen while in your possession. Even if you were not at fault for the damage, you have an obligation to pay an “excess” or “deductible”.

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.

Explore the best offers and benefits using our services

  • We cover all nominated drivers
  • Fast Claims
  • We cover single-vehicle accidents
  • Worldwide cover
  • We cover baggage and personal belongings
  • Many vehicle types covered
  • We cover the replacement of a lost or stolen Rental Car key
  • Multi trips
  • We cover exorbitant rental company fees added to your repair bill
  • 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.

Car Rental Insurance by Country


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Car Rental Insurance by Rental Company


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How to Navigate Turo Insurance: Essential Info for Turo Car Renters

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Customers Reviews

Great experience: fast reaction time, high flexibility, good service!
Buying a new insurance contract I made a mistake in my contract starting date thus I needed to contact to the CarInsurent support immediately, asking some modification before my trip. They were flexible with my issue, resolved my problem immediately; thus I could start my trip with a corrected contract, fully stress-free. Based on my experience, their reaction time is fast; furthermore the support team is very kind, helpful and always try to find the best solution. I bought my insurance 2nd time, and still recommend this company for others too if anyone is interested in similar service to be taken. Thank you CarInsurent!

I had a fantastic experience with CarInsurent. Their service was exceptional, and they handled my claim swiftly and efficiently after an accident. Their team was responsive, professional, and caring throughout the process. I highly recommend CarInsurent for anyone in need of car rental insurance.

I read about on a travel blog that gave them a very warm recommendation. I'm super happy I gave them a try: the service is prompt and friendly. I'll be spreading the good word in my community and will be insuring with them again and again.

Frequently Asked Questions (FAQ)

Does the Insurance Cover Lost Keys and Remote Locking Devices?

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:
  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.
  We encourage you to read our full guide to learn everything you need to know about travel car hire excess insurance.   [carInsurent_sc_get_quote_cta cta_text="See How Much You Can Save on Your Car Rental Insurence" cta_btn_text="Get Started"]   Please see the Policy Wording for the complete terms and conditions.

Which countries are considered as "Europe"?

Below is the list of EU countries that are covered under our European policy: Albania, Andorra, Austria, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Estonia, "European Russia" (the western part of the Russian Federation), Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Netherlands, Norway, Poland, Portugal, Romania, Serbia and Montenegro, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey and Ukraine. Read more about European Car Hire Insurance & CDW

How does CarInsuRent’s product work?

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).

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.

Visit the FAQ page