PUBLISHED ON Mar, 05 2023
UPDATED ON Apr, 14 2026
Hertz Rental Car 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 vehicle. 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 liability 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 offers different types of coverage to renters. One of the most common types of Hertz Rental Car Insurance is Loss Damage Waiver (LDW) protection, which waives the renters’ responsibility for loss or damage to the rental vehicle, 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:
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 Italy Excess Reduction – 1 week rental December 2025
SuperCover, a package offered by Hertz, lowers the excess for the majority of cars to € 0. Hertz insurance cost per day for this service is € 25 – 45. 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.
Another type of Hertz Rental Car 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 liability coverage that can be added to LDW or CDW protection at an additional cost.
Hertz 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 vehicle.
According to Hertz, just so that everything’s clear any damage that is caused intentionally or by gross negligence is considered chargable damage. This will include the following:
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:
The answer to the question “how much is Hertz rental car insurance?” can vary depending on the coverage options selected and can also effect the Hertz deposit amount and hold on your credit card.
While the Hertz collision damage waiver is part of your rental fee, it is subjected to an excess. Should something happen to your rental vehicle, you are financially responsible for this excess which ranges between € 950 – € 1500.

Hertz Germany Excess Reduction – 1 week rental December 2025
SuperCover, a package offered by Hertz, lowers the excess for the majority of cars to € 0. Hertz insurance cost per day for this service is € 28. 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.
*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.
See How Much You Can Save on Your Hertz Rental Car Insurance
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 liability coverage from Hertz. Total potential saving: US$ 230.10.
We compared and analyzed Super Collision Damage Waiver costs for a 7-day rental of a standard car class (July 1st – July 7th). 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 |
| Germany | Included at the rental price | € 44.48 | € 1,300 | US$ 8.49 per day or US$ 129.90 for annual coverage | $0 USD |
| Ireland | Included at the rental price | € 24.97 | € 2,500 | US$ 8.49 per day or US$ 129.90 for annual coverage | $0 USD |
| Italy | Included at the rental price | € 40.01 | € 2,000 | US$ 8.49 per day or US$ 129.90 for annual coverage | $0 USD |
| Spain | Included at the rental price | € 41.38 | € 1,400 | US$ 8.49 per day or US$ 129.90 for annual coverage | $0 USD |

Hertz Ireland Excess Reduction – 1 week rental December 2025
See How Much You Can Save on Your Hertz Rental Car Insurance
Hertz has begun rolling out AI-powered damage detection systems at select airport locations, using scanners developed by UVeye to automatically inspect vehicles before and after rentals. The technology is intended to provide faster, more detailed vehicle condition reports and reduce disputes over damage.
However, many renters have reported controversial outcomes. In several cases, the AI system has flagged minor or questionable issues—such as small scuffs or blemishes—as billable damage, leading to unexpected charges that include not just repair costs, but also processing and administrative fees.
A key concern is that:
To protect your interests when renting from Hertz (or any company using automated inspections), it’s advisable to:
If you’d like, I can also help refine the title and placement of this section within the existing Hertz insurance page to ensure it flows naturally with the rest of the content.
*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.
Mr. Tsytkin, rented a Mercedes SUV for 7 days in Munich airport, Germany. Despite declining the rental company’s insurance coverage due to its high cost, Mr. Tsytkin decided to purchase standalone car hire excess insurance from CarInsuRent after reading about its benefits.

Copy of Mr. Tsytkin Car Hire Excess Policy
On December 17th, Mr. Tsytkin had an incident with the rental car. It happened at about 04:00 on his way to Munich airport. After an hour of driving on the highway, he stopped at a gas station with a parking lot for a coffee break. The parking lot contained small rocks that marked the corner-points of some parking lots. While parking, he missed a stone on his right, and the right rear door of the car was damaged.
Hertz Damage to Rental Car

Hertz Damage Report
Unfortunately, Avis charged Mr. Tsytkin EUR 1,868.30 for the damage.

Hertz Damage Repair Costs
However, Mr. Tsytkin had purchased car hire excess insurance, which covered the excess amount he would have to pay in such situations. As a result, he was able to file a claim with CarInsuRent, and we reimbursed him for the repair costs incurred by the rental company. This saved him almost two thousand Euros, as he only had to pay US$ 44.34 for the car hire excess coverage instead of the full repair bill.
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.
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.
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.
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
In summary, while Hertz offers LDW rental car insurance, it’s important to review the policy carefully to ensure it meets your needs.
Travelers renting vehicles in different countries can benefit significantly from CarInsuRent’s worldwide excess insurance. Unlike Hertz’s rental insurance, CarInsuRent offers policies that cover international destinations, ensuring that renters are protected against damage or theft no matter where they are. For those renting cars in Australia, Our best car rental insurance Australia provides low-cost coverage that includes high limits, allowing travelers peace of mind. If you’re looking for additional coverage, you can save money by shopping around and buy cheap car hire insurance for as low as $8.49 per day to $129.90 for an annual policy.
See How Much You Can Save on Your Hertz Rental Car Insurance
Get StartedHertz rental car insurance typically costs $15 to $65 per day depending on the protection level chosen. Basic Collision Damage Waiver (CDW) starts around $15-$20 daily, while comprehensive Super Cover packages can reach $25-$45 per day. Additional options like Personal Accident Insurance (PAI) and Personal Effects Coverage (PEC) add $5-$15 each per day. For better value, CarInsuRent offers comprehensive coverage starting from just $8.49 per day with broader protection.
Hertz rental car insurance typically costs $15 to $65 per day depending on the protection level chosen. Basic Collision Damage Waiver (CDW) starts around $15-$20 daily, while comprehensive Super Cover packages can reach $25-$45 per day. Additional options like Personal Accident Insurance (PAI) and Personal Effects Coverage (PEC) add $5-$15 each per day. Over a week-long rental, this can add $105 to $280 to your total cost. CarInsuRent provides comparable or better coverage for a fraction of the cost, often saving travelers 60-70%.
Location, vehicle type, and rental duration all influence Hertz insurance costs. Airport locations typically charge 10-20% more than non-airport branches due to concession fees. Luxury, SUV, and specialty vehicles carry higher insurance premiums than economy cars. International locations have significantly different pricing structures than U.S. rentals. Longer rentals don’t usually offer daily insurance discounts, making standalone policies like CarInsuRent increasingly cost-effective for extended trips.
Hertz insurance options cover collision damage, theft protection, and third-party liability depending on the package selected. Loss Damage Waiver (LDW) limits your liability for vehicle damage but typically has an excess/deductible. Super Cover provides zero-excess protection for the vehicle itself. Supplemental Liability Insurance (SLI) increases third-party liability limits beyond state minimums. However, many standard packages exclude tires, windshield, undercarriage, and roof damage – areas that CarInsuRent typically covers comprehensively.
Hertz insurance is usually not worth it if you have alternative coverage or can purchase standalone insurance. At $25-$45 per day, Hertz’s Super Cover can double your rental cost over a week. CarInsuRent offers equivalent or superior coverage starting at $8.49 daily, saving 60-80% compared to Hertz’s at-counter rates. Credit cards and personal auto insurance may also provide adequate coverage. If you have no other coverage and need immediate protection, Hertz insurance provides convenience despite higher costs. Compare CarInsuRent rates and your existing coverage options before deciding.
You must report damage to Hertz immediately upon discovery, even minor scratches or dents. Hertz will assess the damage and charge repair costs up to your policy’s excess/deductible amount, typically $500-$3,000. Without damage waiver coverage, you’re liable for full repair costs plus potential loss-of-use fees and administrative charges. With Hertz’s Super Cover, your liability is reduced or eliminated depending on coverage level. If you have CarInsuRent coverage, you’ll be reimbursed for excess charges after paying Hertz initially. Document all damage with photos and obtain a copy of Hertz’s damage assessment report.
First, report any incident to Hertz and local authorities immediately if legally required. Complete Hertz’s accident/incident report form and photograph all damage from multiple angles. If you purchased Hertz’s damage waiver, they process the claim internally with no further action from you. If using external coverage like CarInsuRent, you’ll pay Hertz’s charges initially, then file a reimbursement claim with supporting documentation. CarInsuRent typically processes claims within 5-10 business days with proper documentation. Keep all paperwork including rental agreements, damage reports, police reports, and payment receipts.
Hertz does not legally require you to purchase their insurance if you have adequate coverage from other sources. However, you must demonstrate proof of insurance meeting minimum liability requirements in the rental location. Acceptable proof includes personal auto insurance, credit card coverage confirmation, or standalone policies like CarInsuRent. Some international Hertz locations may have different mandatory insurance requirements. Without proof of adequate coverage, Hertz may require you to purchase their insurance or decline the rental. Verify your existing coverage and bring documentation to the rental counter.
Basic liability insurance is sometimes included in Hertz rental rates, but coverage varies significantly by location and rental type. In some U.S. states and many international locations, minimum third-party liability is included by law. However, collision damage protection (LDW/CDW) is almost never included in the base rate. Most standard rentals require you to purchase damage waivers and additional coverage separately at $15-$65 per day. CarInsuRent provides comprehensive coverage including what Hertz excludes from standard packages. Check your Hertz confirmation email to see exactly what’s included in your quoted price.
Hertz Super Cover typically excludes damage from prohibited uses like off-roading, racing, or driving under the influence. Interior damage, missing equipment, fuel charges, parking tickets, and traffic violations are not covered. Damage caused by unauthorized drivers or violations of rental agreement terms is excluded. Key loss or replacement, certain roadside assistance costs, and personal belongings are usually not included. Specific exclusions vary by location and rental agreement. CarInsuRent often covers items excluded by Hertz’s standard policies. Review Hertz’s Super Cover terms document at your rental location for complete exclusion details.
Hertz Super Cover usually includes windshield and glass damage, but coverage details vary by location. In most U.S. locations, Super Cover provides zero-excess glass coverage for the full windshield, windows, and mirrors. Some international locations may charge a separate glass excess or exclude certain types of glass damage. Minor chips versus full cracks may be treated differently depending on the market. Standard LDW typically has an excess even for glass damage. CarInsuRent comprehensively covers windshield and glass damage with no separate deductible.
Many credit cards offer secondary rental car coverage for Hertz rentals, but coverage varies significantly by card issuer and type. Secondary coverage pays after your personal auto insurance, meaning you must file with your primary insurance first. Premium credit cards may offer primary coverage that applies before other insurance. Most credit card coverage excludes certain vehicle types (trucks, luxury cars, vans), international rentals in specific countries, and rentals exceeding 15-31 days. Loss-of-use fees and administrative charges are typically excluded. CarInsuRent provides more comprehensive and predictable coverage than most credit card benefits.
You need proof of adequate insurance but don’t have to purchase Hertz’s insurance specifically. Acceptable coverage sources include personal auto insurance, credit card rental benefits, or standalone policies like CarInsuRent. You must meet minimum liability requirements for the rental location, typically $15,000-$100,000 depending on jurisdiction. International rentals may have different mandatory coverage requirements. Without proof of coverage, Hertz may require you to purchase their insurance or may decline to rent to you. CarInsuRent provides internationally recognized coverage accepted by Hertz worldwide.
Most personal auto insurance policies extend coverage to Hertz rentals, but coverage levels vary significantly. Your policy typically provides the same liability and physical damage coverage as your personal vehicle, with identical deductibles. Some policies exclude business use, certain vehicle types, or international rentals. Collision and comprehensive coverage on your personal policy usually extends to rentals, but verify this with your insurer. Using personal insurance for rental damage may raise your rates or affect your claims history. CarInsuRent provides rental-specific coverage without impacting your personal auto insurance.
Most credit card rental coverage explicitly excludes loss-of-use fees (charges for revenue Hertz loses during repairs) and administrative fees. These exclusions can result in $50-$200 per day in uncovered loss-of-use charges plus $100-$300 in administrative fees. Credit card coverage typically only addresses the vehicle’s physical damage repair costs. Premium credit cards may offer broader coverage, but exclusions are common even on high-tier cards. Hertz aggressively pursues loss-of-use and admin fee recovery. CarInsuRent’s policies typically cover these additional charges that credit cards exclude.
First, request to see the specific damage the AI system identified and compare it with your checkout photos. Hertz’s AI damage detection system sometimes flags pre-existing damage or false positives, so documentation from your initial inspection is critical. If the damage existed before your rental, show your timestamped photos to Hertz staff immediately. Request a supervisor review if you dispute the AI findings. Do not sign any damage acknowledgment forms if you disagree with the assessment. CarInsuRent can help reimburse legitimate excess charges if the damage is ultimately deemed your responsibility. Document everything with photos and get written confirmation of any dispute resolution from Hertz management.
Worldwide Car Hire Excess Insurance: Annual Coverage in 180+ Countries
Gil Farkash
Navigating Cheap Rental Car Insurance: An Informative Guide
Gil Farkash
Hertz Deposit Amount Explained: How Much, How Long & When You Get It Back (2026 Guide)
Gil Farkash
does you supercover policy cover car rental (hertz) taiwan
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
This article is an excellent resource for anyone renting a car with Hertz. II appreciate how it provides alternative options to save money, like third-party insurance. It’s helpful to know that personal car insurance or credit card benefits may cover you, but understanding Hertz’s Super Cover and other add-ons ensures you’re fully informed before making a decision.
does your policy cover Taiwan
What would happen in the event that the supercovered rental driver leaves the country after a hit a run with their car. Unsure if the driver left before or after the accident does hertz consider the “theft” accident immune from the law? After it left an injured girl in the car along with the empty hertz car. Who would be found guilty of hit and run?
In the event of a hit-and-run involving a supercovered rental driver who leaves the country after the incident, several legal and insurance implications arise:
1. Legal Responsibility: Hit-and-Run Offense: The driver who fled the scene of the accident would be held legally responsible for the hit-and-run, regardless of whether they left the country before or after the accident. Hit-and-run is a criminal offense, and leaving the scene of an accident with injuries can result in severe penalties, including fines, imprisonment, and license suspension.
2. Insurance Coverage: Supercover Insurance: Supercover typically provides extensive coverage, including for damages and liabilities in an accident. However, it does not exempt the driver from legal accountability in a hit-and-run. Hertz’s insurance will likely cover the initial medical expenses and damages under the liability section, but they will pursue the driver for reimbursement, especially if the driver committed a criminal act.
3. Theft or Abandonment: If the driver abandoned the rental car, it would not typically be considered “theft” since it was rented under a legal agreement. However, the abandonment after a hit-and-run complicates the legal standing of the case. Hertz’s insurance may cover the injured party’s immediate medical expenses and damages, but they will seek to hold the driver accountable through legal means.
4. Determining Guilt: The driver who committed the hit-and-run is primarily guilty of the crime. Hertz would not be held criminally liable for the hit-and-run. However, they may have a civil role in ensuring their insurance processes cover the damages initially before recovering costs from the driver.
In summary, the driver would be found guilty of the hit-and-run, and legal proceedings would focus on apprehending them, even if they have fled the country. Hertz’s insurance would manage the immediate fallout, but the rental company would seek to recover the costs from the driver.