The Ultimate Car Rental Glossary

PUBLISHED ON Jan, 20 2023

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CarInsuRent have put together an A-Z guide to assist with car rental terminology. If you have any questions that are not answered in the glossary, feel free to contact us for assistance.

ACRISS (SIPP) Car Code

The ACRISS (SIPP) code is a car coding system. This identifies the features of a car so that you can be sure to get the same standard of car wherever you rent worldwide. Use the key below to assist you when deciding on which car is right for your trip.

Example 1 – CDMN = Compact 4-5 Door Manual Unspecified Drive with No Air-Conditioning.

Example 2 – IWAR = Intermediate Wagon Automatic with Air-Conditioning.

Class Type Transmission Air-Conditioning
M = Mini B = 2-3 Door M = Manual Unspecified Drive R = Unspecified fuel/power with Air-Conditioning
N = Mini Elite C = 2/4 Door N = Manual 4WD N = Unspecified fuel/power with no Air-Conditioning
E = Economy D = 4-5 Door C = Manual AWD D = Diesel with Air-Conditioning
H = Economy Elite W = Wagon/Estate A = Automatic Unspecified Drive Q = Diesel with no Air-Conditioning
C = Compact V = Passenger Van B = Auto 4WD H = Hybrid with Air-Conditioning
D = Compact Elite L = Limousine D = Auto AWD I = Hybrid with no Air-Conditioning
I = Intermediate S = Sport E = Electric with Air-Conditioning
J = Intermediate Elite T = Convertible C = Electric with no Air-Conditioning
S = Standard F = SUV L = LPG/Compressed Gas with Air-Conditioning
R = Standard Elite J = Open Air Terrain S = LPG/Compressed Gas with no Air-Conditioning
F = Full Size X = Special A = Hydrogen with Air-Conditioning
G = Full Size Elite P = Pick up Regular Cab B = Hydrogen with no Air-Conditioning
P = Premium Q = Pick up Extended Cab M = Multi Fuel/Power with Air-Conditioning
U = Premium Elite Z = Special Offer Car F = Multi Fuel/Power with no Air-Conditioning
L = Luxury E = Coupe V = Petrol with Air-Conditioning
W = Luxury Elite M = Monospace Z = Petrol with  no Air-Conditioning
O = Oversize R = Recreational Vehicle U = Ethanol with Air-Conditioning
X = Special H = Motorhome X = Ethanol with no Air-Conditioning
Y = 2 Wheel Vehicle
N = Roadster
G = Crossover
K = Commercial Van/Truck

Additional Driver

Additional to the main driver, registered and listed on the Rental Agreement.

Additional Liability Insurance (ALI)

Provides additional protection for bodily injury or death plus property damage.

Additional Equipment

Based on availability at your pick-up location, you may be able to request items including infant and child booster seats or ski racks for a nominal additional fee.

Airport Fee

Charge applied by airport authorities for terminal and off terminal locations. In most cases, this charge is also applied to additional charges, such as one way fees, fuel option, child seat rental etc which are not included in the daily rate and are paid at the counter.

Child Seat Surcharge

You can request a child seat with your booking. Keep in mind there is limited availability, so make sure you supply all relevant information as soon as possible.

Collision Damage Waiver (CDW)

Covers the rental vehicle in the event of accidental damage to the rental vehicle other than by theft or attempted theft. An excess usually applies and the amount will vary depending on the pick up country and/or vehicle type.

Concession Recovery Fee (CRF)

Airports charge rental car companies for the privilege of doing business on site, and the rental companies pass this percentage-based fee on to the renter.

Contract Modification Fee

If the rental car company had to change your contract after you’ve picked up the car, you may see this fee. For example, if you return your rental car at a time that is earlier or later than what is on your contract, the company may lose revenue as a result.

Excess

The amount the client is responsible for in the event the rental vehicle is damaged (whether the driver is at fault or not) or stolen.

Excess Reduction (ER) / Excess Waiver

Optional charge offered by the car rental company to reduce or waive the insurance excess in the event of an insurance claim against damage or theft. CarInsuRent strongly recommends travellers purchase Excess Waiver Insurance to cover themselves.

Loss Damage Waiver (LDW)

Covers the rental vehicle in the event of accidental damage and theft. An excess usually applies and the amount will vary depending on the pick up country and/or vehicle type.

Loss of Use

This fee replaces the daily income the rental company loses while a damaged car is being repaired.

One Way Fee

This fee is imposed to cover the costs of returning the vehicle back to the originating location. Some countries charge for one way fees between airport and downtown locations within the same city.

Personal Accident Insurance (PAI)

Covers the driver and additional passengers of the rental vehicle for personal and physical injuries incurred in an accident.

Premium Location Surcharge/Location Service Charge

Charge applied by car rental companies at selected downtown and railway locations. This additional item also includes the Airport Fee. In most cases, this charge is also applied to additional charges, such as one way fees, fuel option, child seat rental etc which are not included in the daily rate and are paid at the counter.

Rental Period

Your car rental period commencing at the time of collection through to the drop off time. Rental periods are based on 24 hours periods from the time of pick up, excluding European Leasing where it is based on calendar days.

Roadside Assistance

This optional coverage provides roadside assistance in case you lock yourself out of the car, lose your key, have a flat tire or a dead battery, or need a tow.

Sealed Road

A road sealed with a hard material such as tar, bitumen or concrete.

Security Deposit

Amount frozen on the client’s credit card at time of collection. The amount frozen is usually the full insurance excess amount. However, if an insurance excess is not applicable or the full excess is not frozen then an amount may still be frozen for incidentals such as fuel bond, optional charges, loss of keys etc.

Senior Driver Surcharge

Surcharge payable by senior drivers over &/or between a specific age.

Supplemental Liability Insurance (SLI)

“SLI” is short for Supplemental Liability Insurance, and this is a type of car hire insurance that gives you third party liability cover. That means, if you are involved in an accident with your hire car, you (the driver) are insured against bodily injury and property damage to a third party up to a certain monetary value.

Theft Protection (TP)

Covers the rental vehicle in the event of theft, attempted theft or vandalism. An excess usually applies and the amount will vary depending on the pick up country and/or vehicle type.

Third Party

Provides cover for public liability and is subject to the car rental company’s terms and conditions on the rental agreement.

Vehicle Licensing Fee/Vehicle Road Registration Fee

Government imposed levy for each rental car in the car provider’s fleet. Charge to partially recover the vehicle registration costs.

Young Driver Surcharge

For drivers under 25, suppliers will charge an additional daily surcharge. The amount charged differs depending on the car rental company.

 

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Frequently Asked Questions (FAQ)

Does my car insurance cover rental cars?

Short Answer: Most personal auto insurance policies extend to rental cars, but coverage varies by insurer and policy type.

Detailed Answer: Your personal car insurance typically covers rental cars with the same limits and deductibles as your regular policy. This includes liability, collision, and comprehensive coverage if you have them. However, coverage only applies to rentals for personal use, not business travel. Always verify with your insurer before traveling, as some policies exclude certain rental types or international rentals.

Key Considerations:
  • Coverage matches your personal policy limits
  • Same deductible applies to rental claims
  • Business rentals often excluded
  • International coverage varies by insurer
  • Luxury or exotic vehicles may be excluded

Will my car insurance cover a rental car abroad?

Short Answer: Most US car insurance policies do not cover rental cars outside the United States and Canada.

Detailed Answer: Standard US auto insurance policies typically exclude coverage for rentals outside North America. Some insurers extend coverage to Canada, but European, Asian, and other international rentals usually require separate coverage. For international travel, consider purchasing rental insurance from the rental company or a third-party provider like CarInsuRent that specializes in international rental protection.

International Coverage Options:

- Rental company insurance (most expensive)

- Credit card coverage (limited protection)

- Third-party providers like CarInsuRent (comprehensive, cost-effective)

- Travel insurance with rental coverage

- Temporary international auto policies

What's the best rental car insurance for international travel?

The data is clear: CarInsuRent offers up to 70% savings on rental car insurance

Beyond savings, CarInsuRent offers:

  • Transparency: Clear policy terms you can read at leisure.
  • Control: You choose coverage levels without sales pressure.
  • Flexibility: Coverage travels with you across countries and rental companies.
  • Protection: Comprehensive excess coverage at a fraction of rental counter cost.
In an industry notorious for expensive add-ons and pressure tactics, CarInsuRent, the best rental car insurance for international travel, puts travelers back in control while saving substantial money.

Should I buy rental car insurance from the rental company?

Whether you should buy the rental company’s insurance depends on what coverage you already have and your personal risk tolerance. Here’s a practical decision framework most people use:

Skip the rental company insurance if ANY of these apply:

  • Check if your personal auto policy include coverage for rental cars.
  • Most major credit cards (Visa, Mastercard, AmEx, Chase Sapphire, etc.) offer primary or secondary collision damage waiver offer rental car insurance coverage. Note: Almost always this coverage excludes liability, theft of personal items, and exotic/luxury vans/trucks. You must decline rental company CDW and charge the entire rental to that card.
  • Check if your travel insurance (e.g., Allianz, World Nomads, credit-card trip insurance) includes rental collision.

Buy (or seriously consider) rental company insurance if:

  • You have no personal auto insurance (e.g., you don’t own a car).
  • You’re driving in a country where your U.S./home policy explicitly excludes coverage (fairly rare, but happens in Ireland, Jamaica, Israel, etc.).
  • Your credit card coverage is secondary and you don’t want to deal with filing through your personal policy first (deductible + possible rate hike).
  • You want zero-deductible peace of mind and don’t mind paying $30–$60/day extra.
 

Can I buy a plan for just one day?

Yes. Insurance for a single day is available.

Can I buy a plan when I pick up my rental car?

No. You should purchase a policy before starting your travel.

Can I use the policy for car hire in my home-country / country of residence?

Local rentals are covered by our Car Club / Car Sharing Hire Excess Insurance. You can use it in your Country of Residence and there are no restrictions regarding proximity of use to your home address.

If You are renting a Vehicle for use within your Country of Residence and if you purchased Multi Trip (Plan B) Policy, You must also have at least 2 nights pre-booked accommodation in your Country of Residence. The Annual Policy is priced for travelers who rent cars intermittently across multiple trips, not as a substitute for owning a car. Tourists typically drive fewer total days/miles per year and face different risks. Local renters drive far more and more often, which materially increases claim frequency and would break the pricing if covered at the same annual premium. The product is excess reimbursement for short-term rentals, not long-term / leasing / continuous domestic car use.

If You are renting a Vehicle for use within your home country and if you purchased Daily coverage (Plan A) you are covered even if theft or damage occurs within 150km of your home provided that you are a resident of the EEA.

Multiple rentals are allowed as long as each rental will not exceed 45 consecutive days.

in event that You return the rental vehicle and pick up another rental vehicle during the 48 hours after you return the first rental vehicle, the new rental is not covered under this policy, unless the new rental occurs within more than 150km from the rental station where you left the first rental vehicle.

We encourage you to read our full guide about Car Rental Insurance in Europe to learn everything you need to know about European car rental insurance.

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.

Visit the FAQ page