If you had an accident we sincerely hope that everyone is safe! We are here 24 hours a day, 7 days a week to help ensure that the claim process is stress-free. We currently approve claims within 3 days of submission on average, but we need your help! We kindly request that you read all these FAQs, and remember to check your emails for updates from our Claims Team.
The way US rental companies react to collisions where their renter has an independent policy, such as one from RentalCover.com, differs between each rental company.
If you have a RentalCover.com policy and a US claim, depending on the rental company, extent of damage and other factors, one of these two scenarios will take place (if the claim is approved). We will keep you informed after you submit your claim:
1. You will pay for the damages upfront and seek reimbursement from RentalCover.com, or
2. The rental company will work with RentalCover.com so you do not need to make any payment.
| Who pays the damage bill? | How is the bill paid? | What else you need to know |
| CDW Insurer | ACE will liaise directly with AON |
• ACE will contact your CDW Insurer immediately after an accident or upon return of vehicle.
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| Who pays the damage bill? | How is the bill paid? | What else you need to know |
| CDW Insurer | Alamo will liaise directly with AON |
• Alamo will contact your CDW Insurer immediately after an accident or upon return of vehicle.
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| Who pays the damage bill? | How is the bill paid? | What else you need to know |
| CDW Insurer | Advantage will liaise directly with AON |
• You need to quickly engage your CDW Insurer. Your CDW Insurer would be responsible for the damages.
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| Who pays the damage bill? | How is the bill paid? | What else you need to know |
| CDW Insurer | Avis will liaise directly with AON |
• Avis will contact your CDW Insurer immediately after an accident or upon return of vehicle.
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| Who pays the damage bill? | How is the bill paid? | What else you need to know |
| Policy holder | Budget will charge an amount based on the "damage assessment" and may often charge your credit card. AON would reimburse you. You should attempt to get AON to pay instead. |
• You need to quickly engage your CDW Insurer. They will facilitate your reimbursement for outgoing collision costs.
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| Who pays the damage bill? | How is the bill paid? | What else you need to know |
| CDW Insurer | Dollar will hold the driver responsible for the liability until your insurer accepts the responsibility. They may charge your credit card. AON would reimburse you. You should attempt to get AON to pay instead. |
• Dollar will contact your CDW Insurer immediately after an accident or upon return of vehicle.
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| Who pays the damage bill? | How is the bill paid? | What else you need to know |
| Policy Holder | Enterprise will charge an amount based on the "damage assessment". They may often charge your credit card. AON would reimburse you. You should attempt to get AON to pay instead. |
• Enterprise will charge a deductible directly to your credit card in the event of damages ($500 - $1000).
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| Who pays the damage bill? | How is the bill paid? | What else you need to know |
| Policy Holder | Hertz will hold the driver responsible for the liability until the CDW Insurer accepts the responsibility. They may often charge your credit card. AON would reimburse you. You should attempt to get AON to pay instead. |
• You need to quickly engage your CDW Insurer. They will facilitate your reimbursement for outgoing collision costs.
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| Who pays the damage bill? | How is the bill paid? | What else you need to know |
| Policy Holder | National will hold the driver responsible for the liability until the CDW Insurer accepts the responsibility. may often charge your credit card. AON would reimburse you. You should attempt to get AON to pay instead. |
• You need to quickly engage your CDW Insurer. They will facilitate your reimbursement for outgoing collision costs.
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| Who pays the damage bill? | How is the bill paid? | What else you need to know |
| Policy Holder | Zipcar will hold the driver responsible for the liability until the CDW Insurer accepts the responsibility. may often charge your credit card. AON would reimburse you. You should attempt to get AON to pay instead. |
• You need to quickly engage your CDW Insurer. They will facilitate your reimbursement for outgoing collision costs.
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All claims must be submitted online. Just enter your Reference Number (this ends with "INS" and can be found on your confirmation email). Please attach any supporting documents to the online form. You can click on the button below to get started.
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Claim is started via the online claim form |
Our Claims team will assess your claim |
Once approved you will receive a payment link via email and text message |
Payment is completed quickly by electronic transfer |
We will keep you updated by email at every step of the claims journey. Our aim is to complete 95% of claims within 3 days.
All claims follows these four stress-free steps:
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Claim is started via the online claim form |
Our Claims team will assess your claim |
Once approved you will receive a payment link via email and text message |
Payment is completed quickly by electronic transfer (learn more) |
We will keep you updated by email at every step of the claims journey. Our aim is to complete 95% of claims within 3 days.
If you have any questions about your claim, for example if you would like to submit additional documents to support your claim, please reply to our email and the team will be happy to help.
In the event of breakdown or an accident, the first thing you need to do is make sure everyone is safe. Where possible pull over, turn on your hazard lights and get everyone to safety. You can then:
1. Contact your rental company to report the incident. You can find their number on your signed rental agreement. Keep that rental agreement as you will need it for your claim. Some countries will ask you to report all accidents to the police. To make sure your claim doesn't get denied, check your Rental Agreement to see if that requirement applies to you.
2. We recommend taking photos to document damage to your vehicle and any other vehicles.
3. After following the rental company's instructions and your rental period is over and the final charges have been settled by the rental company, submit a claim with RentalCover.com.
After we’ve received all required documents and information our Claims team can begin processing your claim and preparing your refund once the claim is approved. Our aim is to complete 95% of claims within 3 days.
To help our team assess your claim as quickly as possible we ask all customers to provide the following documents using our online claims form:
> What is this?
The signed contract provided by your rental company when you picked up your vehicle.
> Why is it needed?
To confirm eligibility for yourself and additional drivers. It also includes the rental dates, the rental terms and the maximum amount that can be charged by the rental company.
> What is this?
The licence that you used to rent the vehicle.
> What is this?
A card statement that displays the amount you paid to the rental company, and any refund you may have received (refunds often occur if the full deductible excess was charged initially and the final damage cost was less than the amount that you paid).
> Why is it needed?
To verify that the payment has been made and to prevent fraudulent claims.
> What is this?
Any email or letters you have exchanged with the rental company following your accident.
> Why is it needed?
This information can save us time when assessing your claim request.
> What is this?
In the event of an accident or damage, some rental companies will charge you the full deductible excess applicable for the car, and later they will refund you. Alternatively they may just charge you an amount for damages that is less than the full deductible excess. Either way, we require you to provide the final invoice that clearly shows the final amount that you’ve been charged (learn more here).
> Why is it needed?
We need this document to pay your claim as it confirms the final amount you have been charged.
> What is this?
This is the report created by the police and includes information about your accident, including any witness statements, summary of the damage and also driver and passenger details.
> Why is it needed?
This document confirms the circumstances of more serious accidents, and any charges that have been issued by the police to those involved. If your claim becomes a legal matter this report can be invaluable. You can obtain this document by contacting the local law enforcement agency.
95% of claims are approved within three business days. This is the standard refund window for RentalCover.com. It can take longer if documents are missing so please provide the documents at the outset. Once approved you will receive an email that includes a link to a payment form where you will enter your bank account details. Payment will be issued immediately however it can take several days to settle depending on your bank country.
If you are a US resident with our “Collision Damage Insurance” plan, your claim will follow these four stress-free steps:
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Start the process via our online form and then we will advise the next steps. |
Once you've submitted your claim with the insurance provider Aon, they will assess your claim |
You’ll be notified by email from AON when your claim has been approved |
Aon will post you a cheque for the refund amount in the name of the insured passenger |
Please note that claims normally take between 4-5 weeks to be assessed, though this may take longer if any documents are missing.
You can always track your claim via Aon's claims portal but please contact us if you have any issues with your Aon claim.
This invoice displays the final amount that you will have paid your rental company in the event of an accident, once the final charges have been settled.
We need this document to pay your claim as it confirms the final amount you have been charged.
If you are having difficulty obtaining this document we recommend that you call your rental company for a speedier response.
After your trip has ended and your vehicle has been returned you can submit your claim using our online form.
For fast payment you will need the Booking Reference for your policy (ending with "INS") and digital scans/photos of your: