Enterprise Car Rental Insurance: Simplified Guide to Coverage and Savings

Introduction to Enterprise Car Rental Insurance

Renting a car with Enterprise can be convenient, but 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. However, understanding the insurance options is crucial to avoid unexpected costs. This guide breaks down Enterprise’s insurance offerings and highlights how CarInsuRent can save you money.

Understanding Enterprise Car Rental Insurance

Enterprise offers several optional protection products designed to safeguard you and the rental vehicle during your trip. These include:

• Damage Waiver (DW): Covers damage or theft of the rental car but comes with an excess fee.

• Personal Accident Insurance (PAI): Covers medical expenses and accidental death benefits for passengers.

• Personal Effects Coverage (PEC): Protects personal belongings against loss or damage. Personal Effects Coverage (PEC) is offered for an additional daily charge of US$ 4.27.

• Supplemental Liability Protection (SLP): Provides liability coverage for damages caused to others. Enterprise provides third party liability protection up to $1,000,000 (for a single third party liability claim).

• Roadside Assistance Protection (RAP): Offers help for lockouts, lost keys, and minor repairs. A daily cost of US$ 5.39 may apply.

Enterprise Australia Excess Reduction – 1 week rental December 2024

Excess Fees Explained

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. Even with Damage Waiver, renters are responsible for excess fees in case of damage or theft. These fees vary by vehicle type:

• Standard cars: €950

• Premium vehicles: €1,150

• Luxury and electric cars: €2,500

Enterprise offers an Excess Reduction package that lowers the excess to €100 for a daily fee of $27.00. However, this cost can quickly add up, especially for longer rentals.

Enterprise France Excess Reduction – 1 week rental December 2024

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  €500.

*Prices based on 10 days coverage

Enterprise Germany Excess Reduction – 1 week rental December 2024

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$100. 
• Enterprise Roadside Assistance Protection covers tire & glass / Replacement keys costs can be purchased separately for an extra fee of US$ 5.39 per day. CarInsuRent car hire excess waiver insurance covers damage to the rental car’s windscreen, auto glass, tires, undercarriage or roof and is included at the price of the policy.
• CarInsuRent covers baggage and personal belongings – up to US$ 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

Real-Life Savings Example

Mr. Darren C rented a car in Spain and declined Enterprise’s high-cost insurance. Instead, he purchased a standalone policy from CarInsuRent for $94.90 annually.

Copy of Mr. Darren C. Car Hire Excess Policy

After being charged $1,355 for damages by Enterprise, he filed a claim with CarInsuRent and was reimbursed in full—saving hundreds of euros.

Enterprise Damage Recovery Unit Notification 

Enterprise Damage to Rental Car

Enterprise Damage – Repair Cost

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How much could you save on Car Hire Excess Insurance for your Enterprise car hire? (Updated for winter 2025)

Car hire excess insurance for 10 days rental in Europe with CarInsuRent will cost US$64.90 compared to US$ 307.95 when purchasing the equivalent coverage from Enterprise. Total potential saving: US$ 243.05.

We compared and analyzed Super Collision Damage Waiver costs for a 7-day rental of a standard car class (December 21st – December 27th). The car rental insurance rates listed here are subject to change by the car rental companies without notice. For the most up-to-date pricing information, we encourage you to request a free online quote prior to booking.

CarInsuRent’s car hire excess protection for rental vehicles offers the same coverage at a 70% lower cost!

Enterprise Iceland Excess Reduction – 1 week rental December 2024

For seamless coverage while renting a car in Europe, it’s essential to understand the benefits of European car rental insurance. By choosing our best car hire excess insurance, travelers can avoid hefty fees for potential damages that standard coverage might not cover.

How to File a Claim

If you are involved in an accident while driving a rental car, there are certain steps you should follow to file a claim with the rental car insurance company.

👉 Required Documentation for Filing a Claim

What Documents Do I Need to File My Claim?

👉 Tips for a Smooth Claims Process: Filing a claim can be a complicated and stressful process. 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 policy.

Claims Process 

Final Thoughts and Recommendations

While Enterprise offers comprehensive protection products, their high daily costs can make renting expensive—especially for longer trips. Opting for CarInsuRent car hire excess insurance allows travelers to save money while enjoying broader coverage.

By understanding your options and choosing wisely, you can ensure a stress-free car rental experience without breaking the bank. 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 cheap car hire insurance online for as low as $6.49 per day* to $94.90 for an annual policy. 

Enterprise Germany Excess Reduction – 1 week rental December 2024

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.

FAQ

How much is enterprise car rental insurance?

The cost of Enterprise car rental insurance varies depending on the type of coverage you choose, your rental location, and the duration of your rental. Damage Waiver (DW) typically ranges from $11 to $20 per day. Supplemental Liability Protection (SLP) generally costs between $8.99 and $15.99 per day. Personal Accident Insurance (PAI) and Personal Effects Coverage (PEC) combined coverage costs around $5.99 to $13 per day. Roadside Assistance Protection (RAP) typically costs $4 to $7 per day. Third-party providers often offer cheaper excess insurance. For instance, 10 days of coverage with CarInsuRent costs around $64.90, compared to Enterprise’s $307.95 for equivalent coverage.

What does enterprise car rental insurance cover?

When renting a vehicle from Enterprise, you have access to several optional insurance and protection products designed to safeguard you and your belongings during the rental period. Here’s an overview of the primary coverage options available:

1. Damage Waiver (DW):

DW is not insurance but an optional product that, if purchased, waives your financial responsibility for damage to or theft of the rental vehicle, subject to certain exclusions. This means that if the vehicle is damaged or stolen, you won’t be held liable for the repair or replacement costs. It’s important to note that DW does not cover damage occurring in Mexico. Before opting for DW, consider checking with your personal auto insurance provider or credit card company to determine if your existing coverage overlaps with this protection.

2. Personal Effects Coverage (PEC):

PEC offers protection for personal belongings against risks of loss or damage during the rental period. This coverage applies to the renter, additional drivers, and anyone traveling with the renter. Benefits from PEC are payable in addition to any other insurance coverage you or your passengers may have.

3. Supplemental Liability Protection (SLP):

SLP provides additional liability coverage up to $300,000 for third-party claims. This means that if you’re involved in an accident and are deemed at fault, SLP can cover bodily injury and property damage claims made by others, beyond the limits of any existing personal auto insurance.

4. Roadside Assistance Protection (RAP):

RAP offers assistance for incidents such as lockouts, lost keys, flat tires, and other roadside issues during your rental. This ensures that you receive timely help without incurring additional out-of-pocket expenses for common roadside problems.