Sixt Loss Damage Waiver: Know Your Options

PUBLISHED ON May, 17 2023


When renting a car from Sixt, understanding your options for Loss Damage Waiver (LDW) is crucial. LDW provides protection against potential damage or theft of the rental vehicle, giving you peace of mind during your rental period. In this article, we will delve into the details of Sixt’s Loss Damage Waiver and explore the different options available. By familiarizing yourself with these options, you can make an informed decision that best suits your needs and ensures a hassle-free car rental experience.

By understanding your LDW options and evaluating your individual needs, you can choose the most appropriate level of coverage for your rental. We will provide insights on assessing personal risk tolerance, considering the value and condition of the rental vehicle, and comparing costs associated with LDW options. Additionally, we will discuss the importance of reviewing rental agreements and exploring any existing insurance coverage or credit card benefits that may affect your decision.

Sixt Car Rental Insurance Options

Sixt offers different car rental insurance options that customers can choose from based on their specific needs and preferences. Here are some of the insurance options typically available with Sixt:

  1. Loss Damage Waiver (LDW): Sixt LDW is a standard insurance option that provides coverage for damage or loss to the rental vehicle. It typically includes Collision Damage Waiver (CDW) and Theft Protection, which protect against accidents, collisions, and theft. LDW may have an excess amount, also known as a deductible, which is the maximum amount the renter is responsible for in case of damage or theft.
  2. Super Loss Damage Waiver (Super LDW): Sixt offers an upgraded insurance option called Super Loss Damage Waiver (Super LDW). Super LDW provides enhanced coverage with a lower excess or deductible amount compared to the standard LDW. By choosing Super LDW, renters can reduce their financial liability and enjoy added peace of mind during their rental period.
  3. Personal Accident Protection (PAP): Personal Accident Protection (PAP) is an optional insurance coverage that provides medical and accidental death benefits in the event of an accident during the rental period. This coverage can help protect the driver and passengers against unexpected medical expenses or financial hardships resulting from accidents.
  4. Supplemental Liability Insurance (SLI): Supplemental Liability Insurance (SLI) is an optional coverage that extends the liability protection for the renter. SLI covers damages or injuries caused to third parties, including other vehicles or property, in case of an at-fault accident. It provides additional coverage beyond the minimum liability limits required by the state or country where the rental takes place.

It’s important to note that the availability and specific details of these insurance options may vary depending on the location and specific rental terms. Renters should carefully review the terms and conditions of each insurance option to understand the coverage, exclusions, limitations, and any additional costs associated with their choice.

By offering different insurance options, Sixt aims to provide flexibility and cater to the varying needs of their customers. Renters should consider their personal preferences, budget, and level of desired coverage when selecting the appropriate insurance option from Sixt.

Sixt Car Rental Insurance Cost

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How does CarInsuRent differ from Sixt LDW?

  • CarInsuRent car hire excess insurance starts from as low as $6.49 per day* to $94.90 for an annual policy. Sixt LDW for damage & theft waiver Can be purchased separately for US$ 22.45 per day. Note that if you purchase Sixt LDW for Damage you are still liable for excess £100. 
  • Sixt 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.

How much could you save on Car Hire Excess Insurance for Your Sixt car hire?

Car hire excess insurance for 10 days rental in Europe with CarInsuRent will cost US$64.90 compared to US$ 414.70 when purchasing the equivalent coverage from Sixt. Total potential saving: US$ 349.80.

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 conclusion, having car rental insurance with Sixt is not mandatory. Sixt offers several auto insurance products to cover your rental car. While LDW is a part of your rental fee, there is an excess. You purchase Excess Protection, a package offered by Sixt, that lowers the excess for the majority of cars to zero. The daily fee for this service is US$ 5.71 – US$ 41.47, depending on the type of coverage you choose. 

Sixt’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 Sixt 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 Sixt.

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In conclusion, this article aims to equip you with the knowledge needed to make an informed decision regarding Sixt’s Loss Damage Waiver options. By understanding the coverage, costs, and personal considerations, you can confidently select the LDW option that aligns with your needs and enjoy a worry-free car rental experience with Sixt.

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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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