Hertz Car Rental Insurance: Know Your Options

PUBLISHED ON Mar, 05 2023


Introduction to Hertz Car Rental Insurance


Hertz Car Rental Insurance is a type of protection offered by Hertz to cover renters against loss or damage to the rental car. There are different types of Hertz rental car insurance policies available, including Loss Damage Waiver (LDW) and Collision Damage Waiver (CDW) protection. LDW offers 24/7 coverage of the vehicle, even when you’re not in it. If you purchase LDW or Vehicle Protection from Hertz, you will have no financial responsibility for loss or damage to the rental car. However, before determining the cost of Hertz rental car insurance, it’s important to compare Hertz’s insurance versus other alternatives.

It’s also worth noting that rental car insurance coverage can come from different sources, including personal auto policies, rental car counter, or a third-party insurer such as CarInsuRent. It’s important to understand the different types of rental car insurance and coverage available, as well as the terms and conditions of each policy, to ensure you’re adequately covered and not paying for unnecessary insurance.

Hertz Car Rental Insurance Explained – Types of Hertz Car Rental Insurance

Hertz Car Rental Insurance offers different types of coverage to renters. One of the most common types of Hertz Car Rental Insurance is Loss Damage Waiver (LDW) protection, which waives the renters’ responsibility for loss or damage to the rental car, regardless of fault. LDW is not an insurance product, and you don’t have to report any incidents to your insurance company if you purchase LDW from Hertz. 

Herz’s collision damage waiver covers the following:

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

While the Hertz CDW/LDW is part of your rental fee, it is subjected to an excess. Should something happen to your rental car, you are financially responsible for this excess which ranges between € 950 – € 1500 as shown below.

Hertz car rental insurance

Hertz car rental insurance

SuperCover, a package offered by Hertz, lowers the excess for the majority of cars to  € 0. The daily fee for this service is € 28 per day*. It is significant to keep in mind that excess reduction fees can change according to the location and type of rental car being used. For the most precise and recent information regarding excess reduction fees, it is advised to contact Hertz directly.

*based on a quote for 10 days rental for Group E (Opel Insignia) as shown below

Hertz SuperCover Protection

Hertz SuperCover Protection

Another type of Hertz Car Rental Insurance is Supplemental Liability Insurance (SLI), which provides additional liability coverage above the minimum limits required by the state where the rental takes place. SLI protects renters from claims made by third parties for bodily injury or property damage resulting from an accident in the rental car. SLI is optional coverage that can be added to LDW or CDW protection at an additional cost.

Hertz Car Rental Insurance coverage options can vary by location, so it’s essential to check with your local Hertz office to understand which plans are available to you. It’s also important to note that rental car insurance coverage options are not mandatory, but they offer added protection and peace of mind while driving a rental car.


Hertz Car Rental Insurance Cost

The answer to the question “how much is Hertz car rental insurance?” can vary depending on the coverage options selected. 

While the Hertz collision damage waiver is part of your rental fee, it is subjected to an excess. Should something happen to your rental car, you are financially responsible for this excess which ranges between € 950 – € 1500.

SuperCover, a package offered by Hertz, lowers the excess for the majority of cars to  € 0. The daily fee for this service is € 28 per day. 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

*Prices based on 10 days coverage

The Personal Insurance (PI) covers the authorized drivers, passengers and their personal effects and is offered in most locations but can only be purchased at time of pick-up for an additional amount of € 16.18 (including tax) per day, € 80.92 (including tax) per week, or € 161.95 (including tax) per rental.

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How does CarInsuRent differ from Hertz Car Rental Insurance?

  • CarInsuRent car hire excess insurance starts from as low as $6.49 per day* to $94.90 for an annual policy. Hertz SuperCover can be purchased separately for € 28 per day
  • CarInsuRent covers baggage and personal belongings – up to US$ 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


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

Car hire excess insurance for 10 days rental in Europe with CarInsuRent will cost US$64.90 compared to US$ 295 when purchasing the equivalent coverage from Hertz.

Total potential saving: US$ 230.10.


Hertz Car Rental Insurance Exclusions

Please note your liability for damage to or loss of the vehicle will not be reduced where you or an authorized driver are grossly negligent (for example failure to assess the vehicle’s height, driving on unsuitable road conditions, improper use of the vehicle, contribution to damage to / theft of the vehicle) and in particular, but not limited to, in the following circumstances:

  • Striking overhead or overhanging objects;
  • Driving into a barrier that is too low for the vehicle to pass beneath;
  • Driving into a barrier in a car park before it fully opens;
  • Driving on a road in bad condition without due care resulting in damage to the undercarriage;
  • Driving on a beach causing damage by salt water and/or sand;
  • Driving through flooded roads causing damage to the engine;
  • Putting wrong fuel in the vehicle or otherwise contaminating the fuel;
  • Damage occurring as a result of ignoring a warning light;
  • Burning  a clutch (which requires persistent ill use) or using the handbrake incorrectly;
  • Damage to the wheel rim caused by driving with a flat tyre;
  • Fitting unauthorized objects to the interior or exterior of the vehicle;
  • Carrying especially dirty or smelly materials that require extra cleaning costs or that damage or burn the interior;
  • Damage resulting from locking the keys in the vehicle or losing the keys;
  • Damage resulting from leaving the windows open;

Do You Need Insurance to Rent a Car From Hertz?

Hertz typically requires that renters have some form of insurance coverage, although the specific requirements may vary depending on the location and type of rental.

In many cases, your personal car insurance policy may provide coverage for rental cars. You should check with your insurance provider to see what type of coverage you have and whether it applies to rental cars.

Alternatively, you may be able to purchase insurance directly from Hertz when you rent the car.

What are Hertz Car Rental Insurance Requirements?

Hertz rental car insurance requirements can vary depending on the location and type of rental, but here are some general guidelines. you must meet minimum requirements related to age and have a debit card in place.

Renters must have a debit card with them at the time of renting so that money can be taken out of their account to pay for the fees.

Hertz will advise you against driving without insurance, and will try to sell you their costly Hertz car rental insurance. Although it is unwise to drive a rental automobile without insurance, they aren’t being completely honest with their suggestion, thus it seems to reason that you will enroll in a rental car insurance.

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 car, 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 summary, while Hertz offers LDW rental car insurance, it’s important to review the policy carefully to ensure it meets your needs. If you’re looking for additional coverage, 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. 


See How Much You Can Save on Your Car Rental Insurance

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2 Responses

  1. bernard epel says:

    does you supercover policy cover car rental (hertz) taiwan

    • Gil Farkash says:

      Thank you for taking the time to contact us.
      Our car rental excess waiver covers any licensed rental company in Korea.

      Have a safe trip
      The CarInsuRent Team

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Frequently Asked Questions (FAQ)

Can I cancel my policy before my trip?

You can cancel your policy within 14 days of receiving your PDS and Certificate of Insurance. The premium you have paid will be refunded to you in full, as long as you have not started your trip and do not want to file a claim of any sort related to the policy. Once this 14-day period has passed, you can still cancel your policy but you will not receive any refund.

Does CarInsuRent cover Sand and Ash Protection and Gravel Protection?

Our Iceland policy include Sand and Ash Protection (SAAP) and Gravel Protection (GP).

What is Sand and Ash Protection (SAAP)?

Sand and Ash Protection (SAAP) is a type of insurance coverage that is designed to protect rental cars from the potential damage caused by volcanic ash and sand in Iceland. Certain areas of Iceland still have loose ash and fine sand from the Eyjafjallajökull eruption, which can blow around and damage vehicles. SAAP is a specific waiver that was created to cover this type of damage, as Icelandic insurance companies do not include it in their Collision Damage Waiver. This coverage is optional, but highly recommended if you plan to drive in Iceland. Camping Iceland, a local car rental company, claims that SAAP will serve you well and recommends it for all rentals.

When is it Common for the Wind to Toss Sand Onto the Roads?

Sand can be hurled onto roads in Iceland during the Sand & Ash period, which typically occurs in February, March, and April. During this time, the snow has only just thawed out and the grass hasn't grown sufficiently to keep the sand in its place. This can lead to damage to vehicles driving on the roads. It's important to note that sand and dust storms, which can also cause visibility issues for drivers, typically occur when strong winds lift large amounts of sand and dust from bare, dry soils into the atmosphere.

What does CarInsurent Sand and Ash Protection in Iceland cover?

Due to the recent volcanic eruptions in Iceland the risk of damage to the paint and windows of the cars has increased. Our Sand and Ash Protection (SAAP) insurance can cover damage to the paint, windows, lights, plastics, chromes, and wheels of the rental car caused by sand, gravel, ash, pumice, or other earth materials being blown onto the vehicle. The deductible for SAAP insurance is typically 50,000 IKR for all rental cars in the fleet. No other insurance covers these damages and insurance companies refuse to cover them. Even though all safety rules are followed damage can happen when, for example, wind starts blowing more than was forecasted thus moving the sand/ash and damaging the car.   [carInsurent_sc_get_quote_cta cta_text="See How Much You Can Save on Your Car Rental Insurence" cta_btn_text="Get Started"]  

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.

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.

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