Enterprise Car Rental Insurance: Simplified Guide to Coverage and Savings
PUBLISHED ON Mar, 05 2023
UPDATED ON Apr, 14 2026
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.
What Does Enterprise Car Rental Insurance Cover?
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
Enterprise Rent a-Car 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 2025
If you purchase CarInsuRent car rental insurance, the excess amount can be eliminated and reduced to zero for as low as $8.49 per day* to $129.90 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
See How Much You Can Save on Your Enterprise Insurance
Get StartedHow does CarInsuRent Differ from Enterprise Car Rental Insurance?
- CarInsuRent car hire excess insurance starts from as low as $8.49 per day* to $129.90 for an annual policy. Enterprise Excess Reduction for Damage & Theft waiver Can be purchased separately for US$ 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
Not sure if annual coverage is right for you? Compare daily vs annual car hire excess insurance to find the best option for your travel needs.
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 only $94.90.
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
Amazing service. always efficient, friendly, responsive. I got my payment within days of submission. Bill is warm. A pleasure to work with them. highly recommended. I feel safe with them.
Enterprise Insurance Cost
How much is enterprise rental car insurance?
Enterprise Rent-A-Car insurance costs typically range from $10 to $30 per day for basic coverage options. The most common protection option, Collision Damage Waiver (CDW), falls within this price range, though specific costs vary based on factors such as rental location and vehicle type. These daily charges can add up significantly over longer rental periods – for a week-long rental, insurance could cost an additional $70 to $210 on top of the base rental rate. Travelers can often save money by purchasing standalone excess insurance from third-party providers or checking if their personal auto insurance or credit card offers rental car coverage, rather than accepting Enterprise’s at-counter insurance options.
Enterprise insurance cost: what affects the price (location, car type, length)?
Location, vehicle type, and rental length all influence Enterprise insurance costs. Premium or luxury vehicles typically carry higher insurance rates than economy cars. International locations may have different pricing structures than U.S. locations. Longer rentals don’t usually offer daily insurance discounts. Request a detailed quote from your specific rental location for accurate pricing.
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!
| Country | Collision Damage Waiver (CDW) + Theft Protection (TP) | Avg. Super Collision Damage Waiver Cost at Counter* | Avg. Insurance Deductible at Counter* | Avg. Cost for Rental Car Excess Insurance with CarInsuRent | Cost of Deductible with Zero-Excess from CarInsuRent |
| Australia | Included at the rental price | AU$ 28.76 | AU$ 4,950 | US$ 8.49 per day or US$ 129.90 for annual coverage | $0 USD |
| France | Included at the rental price | € 25.00 | € 2,000 | US$ 8.49 per day or US$ 129.90 for annual coverage | $0 USD |
| Germany | Included at the rental price | € 31.23 | € 1,300 | US$ 8.49 per day or US$ 129.90 for annual coverage | $0 USD |
| Iceland | US$ 10.87 | US$ 46.02 | US$ 3,900 | US$ 8.49 per day or US$ 129.90 for annual coverage | $0 USD |
| Ireland | Included at the rental price | € 21.99 | € 2,000 | US$ 8.49 per day or US$ 129.90 for annual coverage | $0 USD |
| Italy | Included at the rental price | € 43.76 | € 1,500 | US$ 8.49 per day or US$ 129.90 for annual coverage | $0 USD |
| Mexico | Included at the rental price | US$ 49.50 | 10% of the commercial value of the vehicle | US$ 8.49 per day or US$ 129.90 for annual coverage | $0 USD |
| New Zealand | Included at the rental price | NZ$ 44.00 | NZ$ 5,500 | US$ 8.49 per day or US$ 129.90 for annual coverage | $0 USD |
| Spain | Included at the rental price | € 26.49 | € 1,400 | US$ 8.49 per day or US$ 129.90 for annual coverage | $0 USD |
Enterprise Iceland Excess Reduction – 1 week rental December 2025
See How Much You Can Save on Your Enterprise Insurance
Get StartedFor 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.
Transparency and responsiveness are foundational principles of CarInsuRent’s claims process. All claims are assessed strictly in accordance with clearly defined policy terms that are publicly available to customers prior to purchase. Claim outcomes, whether approvals or declines, are accompanied by written explanations referencing the applicable policy provisions and documentation requirements.
In line with this commitment to transparency, CarInsuRent publishes aggregated claims statistics and trend analysis, available in our Annual Claims Report.
👉 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 $8.49 per day* to $129.90 for an annual policy. Not sure if annual coverage is right for you? Compare daily vs annual car hire excess insurance to find the best option for your travel needs.
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.
See How Much You Can Save on Your Enterprise Insurance
Get StartedFrequently Asked Questions about Enterprise Car Rental Insurance Cover
How much is enterprise rental car 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.
How much is Enterprise insurance per day?
Enterprise Rent-A-Car insurance costs typically range from $10 to $30 per day for basic coverage options. The most common protection option, Collision Damage Waiver (CDW), falls within this price range, though specific costs vary based on factors such as rental location and vehicle type. These daily charges can add up significantly over longer rental periods – for a week-long rental, insurance could cost an additional $70 to $210 on top of the base rental rate. Travelers can often save money by purchasing standalone excess insurance from third-party providers or checking if their personal auto insurance or credit card offers rental car coverage, rather than accepting Enterprise’s at-counter insurance options.
Enterprise insurance cost: what affects the price (location, car type, length)?
Location, vehicle type, and rental length all influence Enterprise insurance costs. Premium or luxury vehicles typically carry higher insurance rates than economy cars. International locations may have different pricing structures than U.S. locations. Longer rentals don’t usually offer daily insurance discounts. Request a detailed quote from your specific rental location for accurate pricing.
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.Is Enterprise damage waiver worth it?
It depends on your existing coverage from personal auto insurance or credit cards. If you have no other coverage, Enterprise’s damage waiver provides valuable protection against costly repairs. However, if your credit card or personal policy already covers rental damage, paying $10-$30 daily may be unnecessary duplication. CarInsuRent offers better coverage than relying on personal policies, with 4.8-star ratings on platforms such as Trustpilot and Google reviews.
What happens if you damage a rental car with Enterprise?
You must report any damage to Enterprise immediately upon discovery. Enterprise will assess the damage and charge repair costs up to your policy’s deductible or excess amount. Without damage waiver coverage, you’re liable for the full repair cost plus potential loss-of-use fees. With CarInsuRent, your financial responsibility is eliminated and reduced to zero. Document all damage with photos and obtain a copy of the damage report.
How do Enterprise insurance claims work (and what should I do first)?
First, report the incident to Enterprise and local authorities if required by law. Complete an accident/incident report with Enterprise staff and document everything with photos. If you have Enterprise’s damage waiver, they handle the claim internally. If using CarIsnuRent, you’ll need to file a claim for reimbursement. Keep all documentation, including rental agreements, police reports, and damage assessments, for your claim.
Does enterprise car rental include insurance?
In Europe, CDW and Theft Protection are usually included in the rental price, but they are subjected to excess (deductible). In the USA, Enterprise insurance is typically not included in the base rental price. Insurance and protection options are add-ons charged separately per day. With CarInsuRent, your financial responsibility is eliminated and reduced to zero.
What does Enterprise damage waiver NOT cover?
Enterprise damage waiver typically excludes damage from prohibited uses like off-roading, racing, or driving under the influence. Interior damage, missing items, fuel charges, and parking violations are usually not covered. Damage caused by unauthorized drivers or violations of rental agreement terms is excluded. Specific exclusions vary by location and coverage type.
Does Enterprise damage waiver cover windshield or glass damage?
Coverage for windshield and glass damage varies by Enterprise location and specific protection package. Some locations include glass damage in their standard damage waiver, while others charge separately for glass breakage. Certain regions offer specific glass protection add-ons. CarInsuRent car hire excess protection covers excess fees related to damage to windscreens, tires, and more.
Does my credit card cover Enterprise rental car damage?
Many credit cards offer secondary rental car coverage, but specifics vary significantly by card issuer and card type. Secondary coverage typically pays after your personal auto insurance. Premium credit cards may offer primary coverage that applies first. Coverage usually excludes certain vehicle types like trucks, luxury cars, or long-term rentals exceeding 30 days.
Do I need insurance to rent a car from Enterprise?
You don’t legally need to purchase Enterprise’s insurance if you have adequate coverage from other sources. However, you must show proof of insurance meeting minimum requirements. This can be personal auto insurance, credit card coverage, or standalone insurance. International renters may have different requirements depending on the country. Verify your existing coverage and rental location requirements before declining Enterprise’s insurance.
Does my personal auto insurance cover Enterprise rental cars?
Most personal auto insurance policies extend coverage to rental vehicles, but coverage levels and terms vary. Your policy typically provides the same coverage limits and deductibles as your personal vehicle. Some policies exclude certain rental scenarios like business use or international rentals. Liability coverage usually transfers, but physical damage coverage depends on your specific policy.
Does credit card insurance cover loss-of-use and admin fees Enterprise may charge?
Most credit card rental coverage excludes loss-of-use fees (charges for revenue Enterprise loses while repairing the vehicle) and administrative fees. Credit card coverage typically only addresses physical damage to the rental vehicle itself. These exclusions can result in hundreds of dollars in uncovered charges even with credit card insurance. Some premium cards offer more comprehensive coverage that may include these fees. CarInsuRent car hire excess protection covers loss of use and admin fees related to your Enterprsie rental car.
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Hi,
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.
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
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.
Appreciating the hard work you put into your site and detailed information you present.
It’s good to come across a blog every once in a while that isn’t the
same old rehashed information. Wonderful read!
Thanks for making this information accessible—it definitely helps renters make informed choices!
The ability to lower excess charges to zero for a reasonable daily fee makes renting a car less stressful.
Enterprise sent me a $1000 bill for this – https://prnt.sc/fT8alzVWzYhv. It seems like really minor wear and tear, it’s just a small crack on the plastic lower bumper. is that reasonable??
Unfortunately, cracks, tears, and holes typically fall outside normal wear and tear, so a replacement claim isn’t automatically unreasonable.
That said, here’s what I’d recommend before paying anything:
1. Request the repair invoice — Ask Enterprise for an itemized bill and proof the repair was actually completed. They’re obligated to provide this.
2. Check your credit card coverage — Many cards offer rental car damage protection that could cover this.
3. Look for fraud patterns — Enterprise damage scams do happen, where pre-existing damage gets pinned on new renters. Document everything.
4. Escalate if needed — A well-documented email to corporate has successfully resolved fraudulent claims before.
We always encourage renters to document and take clear photos of the rental vehicle upon pickup and when they return it to the agency. If the damage existed before, that’s your strongest defense.
Don’t pay until you’ve verified the claim is legitimate.