Enterprise Insurance: Excess Reduction for Enterprise Car Rental from US$ 6.49/day

PUBLISHED ON Mar, 05 2023


Introduction to Enterprise Car Rental Insurance

Car rental insurance is an essential consideration for any traveler planning to rent a car. If you are renting a car with Enterprise, it’s important to understand the various insurance options and requirements before picking up the rental car. Without adequate insurance, you may be held responsible for any damage to the rental car, which can result in unexpected and significant expenses. 

According to Enterprise Customers are not required to purchase car rental insurance when renting from Enterprise. 

Enterprise insurance offers a variety of protection products that can be purchased in addition to renting a vehicle. These protection products include Damage Waiver, Personal Effects Coverage, Supplemental Liability Protection, and Roadside Assistance Protection. Each type of protection offers coverage for different situations, and customers can choose which protections they want to purchase based on their specific needs.

The cost of optional car rental insurance and protection products can vary depending on factors such as the type of vehicle being rented.

It is important to note that Enterprise insurance is optional, and you can decline to purchase it if you have your own insurance or prefer to assume the risk yourself. However, it is recommended that you carefully consider their options and make an informed decision about whether or not to purchase rental car insurance before renting a vehicle.

How Much is Enterprise Insurance?

Enterprise Rental Car Insurance works by providing customers with optional protection plans that they can purchase along with their rental car to safeguard them and the vehicle in the event of a collision, theft, and more. 

Understanding how much is enterprise insurance per day is important when renting a vehicle from Enterprise, as it can help you make an informed decision about whether to purchase additional protection products or rely on your existing insurance coverage. 

Enterprise offers several additional protection products that customers can purchase along with their rental car, including Damage Waiver, Personal Effects Coverage, Supplemental Liability Protection, and Roadside Assistance Protection. 

Damage Waiver (DW) is a protection product that can waive your responsibility for the cost of damage to the rental car in the event of an accident or theft. Although DW is a part of your rental agreement, there is an excess. Should something happen to your rental car, you are financially responsible for this excess. The excess amount at Enterprise for Standard and Small Passenger Vans is € 950. For Full size and Premium vehicles, Large Passenger Vans, Large SUVs and the Small Cargo Van the excess is € 1150. For all other Cargo Vans the excess is €1500, and for the Luxury Elite Electric an excess of €2500.00 applies.

Enterprise’s Damage Waiver covers the following:

  • All damage to the Enterprise rental car
  • Coverage for vehicle theft up to the car’s full value.

Your Enterprise collision damage waiver essentially covers all damage to the car and theft of the vehicle with no costs to you or your insurance company, provided you weren’t driving in a banned manner. 

Excess Protection, a package offered by Enterprise, lowers the excess for the majority of cars to  €100. The daily fee for this service is US$ 22.45. It is significant to keep in mind that excess reduction fees can change according to the location and type of rental vehicle being used. For the most precise and recent information regarding excess reduction fees, it is advised to contact Enterprise directly.

Enterprise Excess Protection

Enterprise Excess Protection

If you purchase CarInsuRent car rental insurance, the excess amount can be eliminated and reduced to zero for as low as $6.49 per day* to $94.90 for an annual policy. You will also need to provide a deposit at the time of picking the car, which is totally refundable. For the majority of vehicles, this is set at  €200.

*Prices based on 10 days coverage

Personal Accident Insurance (PAI) is a protection product that can provide coverage for medical and ambulance expenses, as well as accidental death benefits, for you and your passengers in the event of an accident. Personal Effects Coverage (PEC) is offered for an additional daily charge of US$ 4.27.

Supplemental Liability Protection (SLP) is a protection product that can provide you with additional liability coverage in the event of an accident that causes damage or injury to other people or property. If the renter accepts SLP, Enterprise provides third party liability protection up to $1,000,000 (for a single third party liability claim).

Roadside Assistance Protection (RAP) is a protection product that can provide you with assistance for incidents such as lockouts, lost keys, or dead batteries. This package might lessen your financial obligation for the following: tyre and glass repair/replacement costs (apart from significant repairs), new key costs, recovery fees, and call out fees. A daily cost of US$ 5.39 may apply.

Enterprise Protection Products

Enterprise Protection Products

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How does CarInsuRent Differ from Enterprise Car Rental Insurance?

  • CarInsuRent car hire excess insurance starts from as low as $6.49 per day* to $94.90 for an annual policy. Enterprise Excess Reduction for Damage & Theft waiver Can be purchased separately for US$ 22.45 per day. Note that if you purchase Enterprise Excess Reduction for Damage you are still liable for excess US$100. 
  • Enterprise Roadside Assistance Protection covers tyre & glass / Replacement keys costs can be purchased separately for an extra fee of US$ 5.39 per day. CarInsuRent car hire excess waiver insurance covers damage to the rental car’s windscreen, auto glass, tyres, undercarriage or roof and is included at the price of the policy.
  • CarInsuRent covers baggage and personal belongings – up to US$ 1,500 included at the price.
  • CarInsuRent covers the replacement of a lost or stolen Rental Car key.
  • CarInsuRent covers exorbitant rental company fees added to your repair bill – including fees for loss of use, processing, relocation and towing.
  • CarInsuRent covers single-vehicle accidents – claim even if the damage or theft to your car was not your fault.
  • CarInsuRent offers annual worldwide car hire excess Insurance for hiring cars around the world for up to 45 days.

*Prices based on 10 days coverage

Enterprise Damage Waiver Exclusions

Enterprise Damage Waiver Exclusions

How much could you save on Car Hire Excess Insurance for your Enterprise car hire?


Car hire excess insurance for 10 days rental in Europe with CarInsuRent will cost US$64.90 compared to US$ 278.40 when purchasing the equivalent coverage from Enterprise. Total potential saving: US$ 213.50.


How to File a Claim

    • What to Do in Case of an Accident or Damage – If you are involved in an accident while driving a rental vehicle, there are certain steps you should follow to file a claim with the rental car insurance company. First, exchange personal information with the other driver, including name, address, license plate number, rental vehicle information, insurance company, and policy number, and document the accident with pictures and notes. If the other driver is at fault, you should get their contact and insurance information and call their insurance company directly to file a claim. If you are at fault or have non-collision damage, you can file a claim with the rental car insurance company. The process for filing a claim with the rental car insurance company may vary depending on the provider, but typically, you would need to provide details of the incident, including the date, time, and location of the accident, as well as any police report numbers, if applicable. Additionally, you may need to provide documentation of the damage, such as photographs or repair estimates.
    • Required Documentation for Filing a Claim
      • A copy of the Certificate of Insurance
      • A copy of the rental agreement
      • A copy of the police report if:
        • you got in an accident with a third party
        • It is legally mandated in the country of incident
        • your claim is about stolen personal belongings
      • A copy of the damage report given by the rental company, detailing each cost incurred. Photographs of the damage are optional but may help ensure that the charges are reasonable.
      • Detailed repair receipts, invoices or other documents showing the breakdown of the amount the rental company charged you for the accidental damage or loss
      • A copy of your credit card statement that reflects your payment for the claimed damages
      • A copy of the driver’s license of the person driving the car during the accident


    • Tips for a Smooth Claims ProcessFiling an insurance claim can be a complicated and stressful process. The following tips can help ensure a smoother claims process:
      • Document everything: Documenting all the details of the accident or loss, including taking photos and notes, can help speed up the claims process and reduce the possibility of disputes.
      • Communication: Communication is key in any insurance claim process. Keep thorough records of all communication with the insurer, and discuss your expectations for the claims process with the adjuster. You can also ask about the frequency of updates and the preferred type of communication.
      • Avoid duplicate claims: Avoid submitting duplicate claims, as it slows down the claims payment process and creates confusion.
      • Understand your coverage: It’s important to understand your insurance coverage, including the limits and deductibles, before filing a claim. Understanding your policy can help ensure that you receive the maximum benefit to which you are entitled.
      • Be patient: Claims processing can take time, so it’s important to be patient. 

    By following these tips, you can help ensure a smoother claims process, and increase the chances of receiving the maximum benefit that you are entitled to under your insurance policy.


Final Thoughts and Recommendations

In conclusion, having car rental insurance with Enterprise is not mandatory. Enterprise offers several auto insurance products to cover your rental vehicle. While Damage Waiver (DW) is a part of your rental fee, there is an excess. You purchase Excess Protection, a package offered by Enterprise, that lowers the excess for the majority of cars to €100. The daily fee for this service is US$ 22.45. 

Enterprise’s collision damage waiver can be the best option if you want the greatest level of comfort and are willing to pay for it. You can save money by shopping around and buy car rental insurance online for as low as $6.49 per day* to $94.90 for an annual policy. 

Before choosing an Enterprise rental car insurance policy, you should confirm what level of coverage is included with your personal auto insurance policy or the credit card you used to reserve the vehicle. By doing this, you can avoid paying for the same coverage more than once.

Ultimately, understanding the different types of insurance available to you and making an informed decision can help you have a stress-free and affordable car rental experience with Enterprise.

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how much is enterprise car rental insurance

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3 Responses

  1. Brigitte Geißel says:

    I have rent a car with Enterprise
    Confirmation Number: 2063315218

    Which Kind of Insurance is included in the rental fee.
    Unfortunately the information on this topic is not clean.

    • Gil Farkash says:

      Thank you for taking the time to contact us.
      It is hard to provide an answer based on the information that you provided.
      In some territories, CDW + Theft Protection are included in the rental price and in other territories you should purchase this coverage separately.
      Please advise in which country are you renting the car and we will try to assist you.

      All the best,
      The CarInsuRent Team

  2. I’m not sure where you’re getting your info, but great topic. I needs to spend some time learning much more or understanding more. Thanks for fantastic information I was looking for this information for my mission.

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