Thrifty Car Rental Insurance: Understanding Your Coverage Choices

PUBLISHED ON May, 18 2023


Renting a car from Thrifty Car Rental offers convenience and flexibility for travelers, but it’s essential to understand the insurance options available to ensure a smooth and worry-free rental experience. In this article, we will explore Thrifty Car Rental’s insurance offerings and provide valuable insights into making informed decisions when it comes to protecting yourself and the rental vehicle. By understanding the various insurance options, coverage details, and considerations, you can confidently choose the right insurance coverage that aligns with your needs and provides peace of mind during your rental period with Thrifty Car Rental.

Thrifty Car Rental aims to provide customers with a range of insurance options to cater to different preferences and travel requirements. From Loss Damage Waiver (LDW) to liability insurance and additional coverage choices, we will delve into the details of each option, including coverage inclusions, potential liabilities, and any additional benefits they may offer. By understanding these insurance offerings, you can make an informed decision and select the most suitable coverage for your specific rental needs.

Throughout this article, we will also provide tips for evaluating your insurance needs, understanding the policy terms and conditions, and considering cost-saving options. It’s crucial to weigh the benefits of the insurance coverage against your personal risk tolerance, budget, and any existing insurance policies you may have. By following these recommendations, you can navigate Thrifty Car Rental’s insurance options confidently and ensure you have the necessary coverage to protect yourself and the rental vehicle during your journey.

Stay tuned as we unravel the details of Thrifty Car Rental’s insurance options, providing you with the knowledge and insights you need to make informed decisions and enjoy a worry-free car rental experience.

Types of Insurance Offered by Thrifty Car Rental

Thrifty Car Rental provides various insurance options to cater to the needs of their customers. Understanding these insurance offerings will help you choose the coverage that best suits your requirements and provides adequate protection during your rental period. Here are the main types of insurance offered by Thrifty Car Rental:

A. Loss Damage Waiver (LDW)

  1. Coverage details and inclusions: LDW covers the cost of repairs or replacement of the rental vehicle in case of damage, theft, or loss. It typically includes Collision Damage Waiver (CDW) and Theft Protection. LDW may have an excess or deductible amount, which is the maximum amount you would be responsible for in case of damage or theft.
  2. Excess amount and potential financial liability: It’s important to review the specific excess amount associated with LDW and consider whether it is affordable for you in case of an incident. Thrifty Car Rental may offer options to reduce the excess or eliminate it altogether for an additional fee.

B. Liability Insurance

  1. Coverage for bodily injury and property damage: Liability insurance provides protection against claims made by third parties for bodily injury or property damage caused by the rental vehicle. It helps cover legal and financial obligations up to the policy limits.
  2. Limits and requirements: Thrifty Car Rental’s liability insurance will have specific coverage limits and may vary depending on the rental location. It’s crucial to understand the policy limits and any requirements set by the rental company or local regulations.

C. Personal Accident Insurance

  1. Protection for medical expenses and accidental death: Personal Accident Insurance provides coverage for medical expenses and accidental death resulting from an accident during the rental period. It offers additional financial protection for you and your passengers in the event of an unforeseen incident.
  2. Benefits and considerations: Review the coverage limits and benefits provided by Thrifty Car Rental’s Personal Accident Insurance. Consider whether this coverage is necessary based on your personal circumstances, existing insurance coverage, and the nature of your travel.

Thrifty Car Rental may also offer additional coverage options, such as Supplemental Liability Insurance (SLI) or roadside assistance, to provide enhanced protection and convenience during your rental. Understanding these options and their associated costs will help you make an informed decision regarding the level of coverage that suits your needs and budget.

By familiarizing yourself with the types of insurance offered by Thrifty Car Rental, you can choose the coverage that provides peace of mind and safeguards your rental experience. Remember to carefully review the terms and conditions of each insurance option, ask for clarifications if needed, and consider any existing insurance coverage you may have to avoid duplication of benefits.

Thrifty Car Rental Insurance Cost

2 Responses

  1. Chris says:


    I already purchased Collision Damage Plan from Expedia.
    Is it madatory to purchase LDW separately other than Collision Damage Plan?

    • Gil Farkash says:

      Thank you for taking the time to contact us.
      If you have CDW, you don’t need to purchase LDW.
      We do recommend that you purchase car rental excess insurance.

      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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