Rental Car Theft Protection Insurance Explained

PUBLISHED ON Mar, 25 2024


Understanding the Risks

Renting a car for your travels offers flexibility and convenience, but it’s crucial to safeguard your rental against theft. Car theft is a real concern for rental car customers, especially in unfamiliar areas or high-crime regions. Thieves target rental vehicles due to their perceived vulnerability and the valuables they may contain.

Theft Protection Insurance – TP 

TP insurance, offered by rental car companies in Europe and other destinations in the world (with the exception of North America), is one part of rental car insurance and covers the responsibility of the renter in case of theft of the vehicle or parts of it or in case of damage to the rented vehicle due to attempted theft of the vehicle or parts of it.

In most cases, you will be charged a deductible in the event of theft or damage due to attempted theft, in the amount specified in the rental agreement, under the heading: “TP Excess”. The amount of the deductible depends on the country and the vehicle group and is specified in the price lists of the various rental companies. The deductible applies to the renter in any case of theft, regardless of fault.

See How Much You Can Save on Your Rental Car Excess Insurance

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Please note, a prerequisite for the TP insurance coverage is that any theft, damage due to attempted theft caused to the vehicle during the rental period will be reported immediately, both to the local police and the rental car company, and that you will present documents attesting to this.

Stolen rental car being reported to the police

Stolen rental car being reported to the police

It is necessary to follow the instructions of the rental car company and the local police in any case as mentioned and to fully cooperate with them. If the insurance coverage for the vehicle will not apply due to an act or omission of the renter, such as due to the application of one of the exceptions to the aforementioned coverage, the rental car company may demand compensation for the full damage caused as a result.

Tips for Rental Car Theft Protection

  1. Keep Valuables Out of Sight: Never leave valuables such as luggage, electronics, or important documents visible in the car.
  2. Choose Secure Parking: Opt for well-lit and secure parking areas, such as monitored lots or garages, especially overnight.
  3. Use Anti-Theft Devices: Consider using steering wheel locks, car alarms, or GPS tracking devices to deter thieves and recover the vehicle if stolen.
  4. Lock the Vehicle: Always lock the car when leaving it unattended, even for a short time, and ensure all windows are closed securely.
  5. Be Vigilant: Stay aware of your surroundings, especially in unfamiliar or crowded areas, and report any suspicious activity to authorities.

We encourage you to read our detailed guide on How to Protect Yourself and Your Rental Car to discover essential tips and advice to keep you and your vehicle safe.

Protecting your rental car from theft requires proactive measures and vigilance. By following these tips, you can minimize the risk of theft and enjoy a worry-free travel experience.

Have a safe trip

The CarInsuRent Team

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Frequently Asked Questions (FAQ)

Can I buy a plan for just one day?

Yes. Insurance for a single day is available.

Can I buy a plan for part of my rental only?

No. We provide a single journey plan. You are covered from the time you pick up the rental car up to the time you return it or on the last date written on your Certificate of Insurance, whichever comes first.

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

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

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