Renting a car overseas? Sort out the insurance before you go, and you’ll get better coverage at a better price. Insurance products and full protection products may differ based on where you live and where you’re going. So, choose your destination from the country list below and we’ll help you compare a typical rental car company policy, often called Collision Damage Waiver (CDW), to what you’d get with our plan.
Renting a car overseas? Sort out the insurance before you go, and you’ll get better coverage at a better price. Insurance products and full protection products may differ based on where you live and where you’re going. So, choose your destination from the country list below and we’ll help you compare a typical rental car company policy, often called Collision Damage Waiver (CDW), to what you’d get with our plan.
While we provide you rental protection, we partner with dozens of booking agents who are responsible for your car rental.
To make changes to your car booking, the contact details for our partners are below.
Read this article for step-by-step instructions on how to cancel or modify your RentalCover Protection.
When you first visit RentalCover you will need to activate your account. Simply find the RentalCover confirmation text or email in your inbox or spam and click the activation link. If you’re having issues, it may be because the email addresses of some Apple users aren’t shared with RentalCover. Instead, you can simply click on the link provided in the confirmation email you received when you purchased RentalCover Protection and update your email address.
We provide you with rental protection and our partners are responsible for the rentals. A lot of our partners have very similar names to RentalCover, so it’s easy to get us mixed up. This means that for most customers we handle plan cancelations and other changes. Read this article for step-by-step instructions on how to cancel or modify your plan.
The first major difference is that rentals in the US do not always include CDW at the time of booking (as explained in our Rental Guides, CDW - or Collision Damage Waiver - waives most of the rental car damages in the event of an accident). Instead it is available at the rental desk. This is because Americans (and Canadians) are covered by their own car insurance (in most other countries car insurance is tied to the vehicle rather than a driver). RentalCover's CDW policy is available for Americans and visitors to the US and is equivalent to those sold at the desk, for up to 50% less†.
Secondly, CDW policies are typically zero - or low - excess (called a "deductible" in the US), meaning the amount to pay in the event of an accident is smaller than other countries if you have CDW. Our "Extra Cover for USA" policy covers that amount for US visitors and also includes roadside assistance, which is also at the rental desk for up to 50% extra cost.
Thirdly, if you have an accident in the US and are found to be at fault, you are liable if there's damages to other vehicles or injuries to their drivers. Unfortunately, those costs can be significant because rental companies are only required to carry a small amount of third party liability cover for their vehicles (the amount differs from state to state). Supplemental Liability Insurance ("SLI") mitigates the third party liability risk. Equivalent policies are available for US residents and visitors alike and are sold by rental companies and RentalCover.
US rental cars typically have a lower excess (called a 'deductible' in the US).
it is not mandatory for car owners (i.e. the rental companies) to insure hired cars nor is it mandatory for them to insure the drivers against third party personal & property damage (this is called "Liability Insurance" or "Supplementary Liability Insurance"), nor personal injury to the driver (called "Personal Accident Insurance"). Those responsibilities fall to the renter. This is not the case in the EU, Australia, NZ and most other countries so it is important that you understand the options and purpose of each insurance product that you will be offered by the rental companies! The other main difference to other countries is that the rental companies do not offer "Super CDW", "Super LDW" or equivalent "premium" insurance products. When sold in Europe and most of the World, these products are designed to reduce your excess towards zero from an amount that is usually between €/£/$1,000-4,000. In the US all rentals are sold with either the renter being liable for the full amount of the vehicle, or there is zero deductible excess: there's nothing in between! Our "Extra Cover for USA" fills the considerable "out of pocket" costs that still remain even when there is no deductible excess.
CDW/LDW
From March 2016 onwards, RentalCover will be selling CDW for US residents from AON. When you purchase CDW from the rental companies it is usually called "LDW" if it includes theft protection, so our policy is equivalent to LDW. The only difference between a CDW offered independently by us versus the policy offered at the rental desk is that your insurance company (AON) will handle the payments to the rental company for any damages, whereas there is no reimbursement/recovery process if you purchase the rental company's CDW/LDW.
It is important to know if your booking contains CDW or LDW! If it doesn't have it already and you are a US resident, you can buy it from RentalCover. If you are not a US resident, we always advise that you make sure your car booking includes CDW/LDW from the rental company.1. For international drivers, the vast majority of websites will automatically include CDW or LDW. If for some other reason CDW or LDW is not automatically included, it will be available at the rental desk. Please read carefully when booking and check your car confirmation!
2. If you book from within the US or are a US resident, CDW/LDW will not be included by default. You can buy a policy from RentalCover and save approximately 50%† or add it at the rental desk. Sometimes you can add it on the website at the time of booking. Most US domestic travellers can rely on their credit cards or personal motor insurance, however the excess on those policies often outweighs the cost of rental vehicle repairs.
SLI (Supplementary Liability Insurance)
Rental companies also offer insurance for third party property and third party personal that is usually called SLI ("Supplementary Liability Insurance") or LIS or simply, "Liability". SLI provides coverage for claims relating to third parties, namely third party property and third party injury. These policies have coverage limits so you should be conscious of how much is reasonably needed in the event of a major accident and/or negligence. Given the potential liability we always stress to drive carefully in the US and always purchase SLI from the rental company.
At the time of writing, RentalCover does not sell SLI.
Please also refer to our "What is SLI?" FAQ
Theft Protection
Theft Cover is also called Theft Protection and it may or may not provide coverage to arson and vandalism, depending on the policy. There will always be limitations surrounding negligence. We encourage you to read the relevant terms to check if your policy includes theft. Note also that RentalCover's "CDW" and "Extra Cover for USA" policies include theft, arson and vandalism.
PAI (Personal Accident Insurance)
PAI provides coverage to you and your passengers for personal injuries up to a certain limit. PAI might be automatically included when an international driver books a car on either the rental company's website or via the website of an agent/airline/price comparison service. Please check the coverage limits on your policy if you have or intend to have personal accident insurance to determine if the cover is adequate. Check out our "What is PAI (Personal Accident Insurance)?" for examples and further detail.
Roadside Assistance
RentalCover's "Extra Cover for USA" policy includes free Roadside Assistance and it provides coverate to related costs such as callout fees, towing, fuel topup, tyres, windscreen repair, etc., plus the considerable out of pocket costs that you might incur (such as impound storage fees, key loss/replacement, headlight/battery repair/replacement, fire and theft, "relocation fees" to get the vehicle back to its intended destination, card fees that are applied along the way, administration/processing fees for accidents, and "loss of use" fees that are charged while the vehicle is off the road being fixed).
You can benefit from our popular primary plan called the Collision Damage Coverage.
With our plan, you get damage protection without touching your personal auto plan. If you need to make a claim, you can rest easy knowing that there’s no deductible and your rate won’t increase in your personal auto plan.
We give a further rundown on the benefits in this article.
The following information is for US rentals only.
Supplemental Liability Insurance insures you for injuries to other drivers and their vehicles. Most states require the rental car company have third-party liability that covers a renter, however, they are only required to have state minimum limits which can be quite low and insufficient for more serious accidents. This means it’s the driver’s responsibility to carry insurance to protect against potential liability for injuries to other people and damage to their vehicles and property.
You will usually be offered SLI (also called Accident Liability Insurance/ALI, Supplemental Liability Protection, Liability Insurance Supplement or Renter Liability Protection) by the car rental company. Our SLI provides similar coverage.
What liability coverage limits are provided with the rental vehicle?
In the United States, states have different minimum insurance limits for auto liability. These minimum levels of coverage are often quite low whereas our SLI offers insurance coverage up to $1 million.
The table below is a comparison of minimum auto liability insurance amounts as compared to the SLI coverage for certain states. Remember that rental car companies may only provide auto liability at the state minimum level, or provide none at all in those states that they are not required to. In addition, if you have personal or business auto insurance it may provide a certain level of coverage when renting a vehicle. Our SLI provides coverage in excess of this insurance coverage, up to $1 million.
Sample of Minimum legal coverage | ||||
State | Per Person | Per Accident | Property Damage | Our SLI |
California | $15,000 | $30,000 | $5,000 | $1 million |
Florida | $10,000 | $20,000 | $10,000 | $1 million |
Georgia | $25,000 | $50,000 | $25,000 | $1 million |
Texas | $30,000 | $60,000 | $25,000 | $1 million |
Washington | $25,000 | $50,000 | $10,000 | $1 million |
Other | $10-50K | $30-100K | $5-25K | $1 million |
How does the claims process work?
SLI claims are submitted via our online claims form. Any party (i.e. yourself, the other driver or their insurer, or another third party) can start the claim process. You will need to provide details about the accident, submit the police report if there is one, provide information about the accident and your rental receipt, as well as provide any details from the third party showing evidence of damages or injuries sustained. As the claim process can be extensive and legally complex we use an insurance partner with highly experienced claims adjusters.
When you first visit RentalCover you will need to activate your account. Simply find the RentalCover confirmation text or email in your inbox or spam and click the activation link. If you’re having issues, it may be because the email addresses of some Apple users aren’t shared with RentalCover. Instead, you can simply click on the link provided in the confirmation email you received when you purchased RentalCover Protection and update your email address. From your RentalCover Account, you can make a claim, make changes or view your wording.
We specialize in providing customers coverage that’s up to 50% less † than what you may be offered at the rental desk. We provide protection for rental cars, including minivans, pickup trucks and sport utility vehicles rented from a rental car agency valid anywhere in the world. Supplemental Liability Insurance covers US-origin rentals (excluding New York) in Canada if the vehicle is collected in the US.
Our plans include the following as standard:
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Additional drivers Covers losses incurred when the rental vehicle is driven (or in the possession of) any licensed driver listed on your rental agreement |
Tires and windshields covered Our plans do not exclude losses caused by damage to tires or windshields |
Zero deductible CDW claims are not subject to a deductible/excess |
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Global protection | Global partners and underwriters | Payments in your currency |
Authorized by top-rated carriers, and available worldwide |
Our wide network of partners allows us to bring you great coverage at an affordable price |
Payable claims are refunded in your local currency |
Want more information? Our Rental Guides explain how everything works.
† We compared the costs of collision damage protection sold by Cover Genius Insurance Services, LLC on RentalCover.com to the average cost of collision or loss damage waivers (including taxes and fees) for a one week rental (December 11 - 17, 2016). Cost comparison is in U.S. dollars and is based on online quotes provided by Alamo, Avis and Hertz for an airport pickup and drop-off of a compact car in Boston, Dallas, Las Vegas, Orlando, and Portland for a U.S resident over age 25. No discounts applied.
RentalCover uses full calendar days to calculate your price to ensure you are covered for the full day of pickup and dropoff, regardless of the time, however, partners who sell RentalCover may use a 24-hour clock, meaning an extension of your trip by a few hours leads to an adjustment to cover the extra period.
To shorten or extend your policy please follow these steps:
1. Visit My Account. When you first visit RentalCover you will need to activate your account. Simply find the RentalCover confirmation text or email in your inbox or spam and click the activation link. If you’re having issues, it may be because the email addresses of some Apple users aren’t shared with RentalCover. Instead, you can simply click on the link provided in the confirmation email you received when you purchased RentalCover Protection and update your email address.
2. Next login.
3. Lastly, choose your policy and select Extend / Reduce Cover dates.
Reducing Days
You can only reduce unused days, This means refunds are not available for today and other preceding days. If you reduced the number of days we will refund you the difference to your original payment card.
Adding Days
If you are extending your dates you will just need to pay the additional amount.
However, you will not be able to extend your policy if the policy’s end date has already passed (i.e. you cannot extend your booking if it is January 2, and the policy ended on January 1). If you have extended your rental and need extra protection, please create a new policy for the remaining days of your rental.
At RentalCover we believe that you shouldn’t need a legal degree to understand our plans. Where possible, we have made sure our plans are designed to help eliminate confusion and help you understand your protection when you hit the road.
Here’s a summary of the protection you receive when you purchase a CDW plan with us:
What you get with RentalCover* | What you might get at the rental desk | |
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Multi-vehicle accidents | ✓ | ✓ |
Single vehicle accidents | ✓ | Sometimes |
Fire, car theft and vandalism | ✓ | Sometimes |
Lockout & keys due to an accident | Not covered for US residents | x |
Windshield and headlights | ✓ | x |
Tires and underbody | ✓ | x |
Standard deductible | $0 | $3000 - 4000 Usually fixed cost |
Total coverage amount | $35000 Covers rental company’s excess charges. Refer to your plan document |
See rental guides for details |
Price per day | Up to 50% less expensive† than the rental desk | $10-$30* per day *Airports surcharge +10-25%† |
*Coverage is subject to the terms, limitations, and exclusions of the plan. Coverage may vary by country of residence. For more information please read our country-specific Rental Guide.
When you first visit RentalCover you will need to activate your account. Simply find the RentalCover confirmation SMS or email in your inbox or spam and click the activation link. If you’re having issues, it may be because the email addresses of some Apple users aren’t shared with RentalCover. Instead, you can simply click on the link provided in the confirmation email you received when you purchased RentalCover Protection and update your email address.
Unfortunately, for US rentals we do not provide coverage for luxury vehicles, trucks, RVs, 4x4s, motorcycles, quad bikes or vans. These may be available if you're traveling internationally. Please check your policy wording.
We do however provide cover for vehicles with disability modifications.
If you are told by the rental company that they don’t recognize your plan, just explain that you are covered by RentalCover. Rental companies have “waivers” that compete with RentalCover and are up to twice the price, with many common types of damage excluded†.
If the rental company refuses to provide you with a vehicle, you can either:
Have all required documents ready for your check-in and take a look at your country’s Rental Guide for a detailed overview of the waivers sold by rental companies at your destination.
With our policies, you are insured by a fully underwritten, global distributor of insurance products with a proven track record of assessing claims in a timely fashion. We have been doing this since 2014 and ranked #1 for rental car insurance on TrustPilot, with 4.7 stars from thousands of reviews.
Renting in the US? Please read this article for US-specific information. You can also check our rental guides at any time for more information.
CDW (and Loss Damage Waiver, which adds Theft Protection to CDW) is usually included in the rental rate that you see on a website. Note that these “waivers” just reduce your risk from a high amount (similar to the full value of the car) to somewhere between $/£/€1500 and $/£/€3000 depending on the car and the rental company. That lowered amount is called the "excess" or "deductible" and it's payable in the event of an accident.
SCDW (also called "Damage Liability Waiver" and many other names) is sold at the rental desk and it lowers the excess/deductible towards $0 (the amount payable can still be as high as $/£/€500 depending on the rental company, plus other charges for administration fees, towing, loss of use and more). Our "Full Protection" policy provides equivalent protection up to 50% cheaper†, with $0 to pay in the event of an accident and it also covers the additional accident-related fees charged by rental companies.
Check if your RentalCover Protection requires you to have the rental company's CDW.
We understand that insurance, and especially insurance acronyms, can be confusing. Learn what the most commonly used terms mean.
CDW (Collision Damage Waiver)
CDW covers all or a portion of the amount payable to the rental company in the event of loss of or damage to a rental car. In our plans, this coverage is referred to as Rental Car Damage and Theft Coverage or Rental Car Damage.
Our Collision Damage protection* covers a rental vehicle for accidental damage and/or theft during the course of a rental period with no deductible.
SLI (Supplemental Liability Insurance)
SLI provides coverage for damages or injuries you may cause to another person or their property while operating a rental vehicle.
Deductible
A deductible (or “excess” outside of the US) is the amount payable by you if there’s damage to the rental vehicle. Our CDW plans do not have a deductible.
LDW (Loss Damage Waiver)**
This is the same as CDW but it adds theft and vandalism protection.
Loss of Use Fees
Renters are often charged additional fees by rental companies if the rental requires repairs that keep it off the road (these “loss of use” fees are also called “demurrage”). These costs may be covered by our plans (i.e. they are “inclusions”).
Want more information? Our Rental Guides explain how everything works.
**N/A for US residents.
We work with some of the largest and most respected insurers to provide you with coverage, no matter where you drive. Our top-rated global panel of insurers includes Crum & Forster in the US and Lloyds, Collinson, Munich Re, Intact and other global insurers in other regions.
If you make changes to your RentalCover policy or create several quotes over time you may notice a small difference in price from when you originally booked. While we make every effort to make pricing consistent for our customers, there are multiple factors that impact claims and therefore the price that we charge, including travel dates, lead times, trip duration, car pricing and the fees charged by our underwriting partners. There may also be broking or other fees applied to your bookings.
We often get asked if we protect the following rentals. When you purchase a plan with us you may see options for the vehicle types below. If you don’t see them, unfortunately, they aren’t available for your location.
You can select a Vehicle Type on the homepage.
If you have a quote or booking, you can add vehicle types, if available, within your RentalCover Account.
If you have a quote or booking you can add vehicle types, if available, on the RentalCover.com Payment page.
If you purchased our insurance through one of our partners (some of whom specialize in campervans, motorhomes, RVs and off-road 4x4s), their automated systems will ensure you have the right protection for your rental. You can check your coverages and, if available, upgrade to include these vehicle types at any time. Just log in to your RentalCover Account or get a quote.
Your rental needs to be booked with an authorized rental company, car dealership, accident replacement service or loan cars from an authorized mechanic. Depending on your country, RentalCover Protection is available for the following when you get a quote on RentalCover.com. The meaning of each may differ based on your country. To view your wording, click the link in your RentalCover Account or on the quote page.
✓ Cars: “Cars” are the default coverage on RentalCover.com.
✓ Recreational vehicles (RVs), motorhomes and camper/campervans.
✓ Off-road 4x4s for use on unsealed roads. You do not need to select this if you intend to drive any type of 4x4 on normal sealed roads. If you choose “Off-road 4x4” you must have rented a 4x4.
✓ Campers are covered in selected countries.
When are you not covered?
This is a general summary only and may not apply to your RentalCover Protection. Please login to your RentalCover Account or get a quote to view your plan wording.
Depending on your country, RentalCover may not cover the following.
✗ Misfueling.
✗ Out-of-pocket costs like phone call fees, taxis and accommodation.
✗ Charges incurred through service providers that aren't authorized by your rental company.
✗ Loss or damage to accessories/equipment.
✗ Interior damage like spillage or tears.
✗ Personal property: we don't cover theft or loss of items that you own.
✗ Liability: please read the Rental Guide to better understand how this works in your travel country.
✗ Personal Accident Insurance (PAI) for drivers: this is usually covered by your travel insurance.
✗ Annual protection: We no longer offer annual protection. You are however still covered if you previously purchased Annual Protection on RentalCover.com and it’s still active.
✗ Personal vehicles or others that aren’t from authorized vehicle rentals as outlined above.
✗ Commercial trucks and other vehicles that are used for commercial purposes such as removal/moving trucks, pantech trucks, commercial delivery vans, courier trucks, trailer trucks, dump trucks, garbage trucks, carriers and refrigerator trucks. Americans renting “Passenger Trucks” for non-commercial use are covered under the default “Car” type, as outlined above.
✗ If your vehicle requires a special license (for instance, if the passenger limit or cargo capacity exceeds the limitations of a standard license) or if it is a commercial van, truck or bus, you will not be covered.
✗ Vehicles that have trailers, camper trailers or other extensions - with the exception of caravans (see above) - attached to the tow bar.
✗ High-end supercars, high-end sports cars, classic cars and exotic vehicles (including but not limited to, those made by Ferrari, Porsche, Lamborghini, Aston Martin and Bentley).
✗Certain combinations of country of residence and destination country.
✗ Motorcycles or other bikes.
Find out how much you could save on a damage protection plan by creating a free quote on our website.
1. Log in to your RentalCover Account and enter your country of residence and destination country. When you first visit RentalCover you will need to activate your account. Simply find the RentalCover confirmation text or email in your inbox or spam and click the activation link If you’re having issues, it may be because the email addresses of some Apple users aren’t shared with RentalCover. Instead, you can simply click on the link provided in the confirmation email you received when you purchased RentalCover Protection and update your email address.
2. Confirm the start and end dates for your trip, and then select the vehicle you plan to rent; a car is always selected by default.
3. Lastly, click “Get a Quote” to retrieve your personal quote. You can review the details and complete your booking by entering your payment details.
The quote page displays the plan price and all the important information you need to know before you set off, including any inclusions and exclusions. You can also review your damage protection plan before you buy.
You can check the status of your plan at any time by accessing your account.
1. Log in to your RentalCover Account. When you first visit RentalCover you will need to activate your account. Simply find the RentalCover confirmation text or email in your inbox or spam and click the activation link. If you’re having issues, it may be because the email addresses of some Apple users aren’t shared with RentalCover. Instead, you can simply click on the link provided in the confirmation email you received when you purchased RentalCover Protection and update your email address.
2. Next, sign in.
3. On the left-hand side menu, you will be able to see the status of your plan:
Confirmed | Your plan has been purchased |
Quote | Your plan has not yet been purchased |
Canceled | Your plan is no longer active and a refund will be issued, if applicable |
At RentalCover we send two types of emails. Newsletter emails and quote/transactional emails. You can learn about how these emails are sent and managed below:
You can update your newsletter email preferences at any time from your My Account page.
1. Log in to your RentalCover Account.Please note if you have made a booking inquiry you may receive quote/transactional emails from us with more information about your policy. You can’t unsubscribe from these emails. However, they are only sent for a short period regarding your trip and will automatically stop.
If you have accidentally canceled your plan, the refund has already been processed. However, you can purchase the same protection on our website or click the “repurchase” link in the cancelation email that we sent when you canceled.
If you purchased a policy through one of our partners, it may take between seven and 21 days for the refund to show on your bank account or credit card statement. Please reach out to them directly if there’s a delay. If you purchased your policy on RentalCover.com, the refund is processed immediately. However, it may take up to four days to be reflected in your bank account or credit card statement.
Sometimes the limits of your policy are displayed in a different currency to the one you selected at purchase.
You can see the same limits in your preferred currency by clicking the question mark next to the ‘limit/excess details’ in your policy wording. Log in to your RentalCover Account to get started.
When you first visit RentalCover you will need to activate your account. Simply find the RentalCover confirmation text or email in your inbox or spam and click the activation link. If you’re having issues, it may be because the email addresses of some Apple users aren’t shared with RentalCover. Instead, you can simply click on the link provided in the confirmation email you received when you purchased RentalCover Protection and update your email address.
No, our protection does not include luxury vehicles such as high-end supercars, high-end sports cars, classic cars and exotic vehicles e.g. Ferrari, Porsche, Bentley.
This article has more information on car types.
Please follow the steps below to start the process. Refund availability may differ based on your policy, trip dates and booking agent (if you booked your rental through one of our partners).
To cancel, extend or shorten your policy, please follow these steps:
1. Visit My Account.
When you first visit RentalCover you will need to activate your account. Simply find the RentalCover confirmation text or email in your inbox or spam and click the activation link. If you’re having issues, it may be because the email addresses of some Apple users aren’t shared with RentalCover. Instead, you can simply click on the link provided in the confirmation email you received when you purchased RentalCover Protection and update your email address.
2. Next, log in. To do this you will need your booking reference number ending with “-INS”. This can be found in the subject line of your confirmation email.
3. Lastly, choose your policy and select either Extend/Reduce or Cancel. If you booked through a partner, you may be redirected to their site. Otherwise, we will handle the cancelation and refund, if applicable. Please contact your bank if it takes more than four days for it to show on your statement.
We offer rental insurance and our partners are responsible for the rental cars. If you are having difficulty at the rental desk, please contact your rental agency directly for support.
If that sounds like you, and you are having difficulty at the rental desk, please contact your rental agency directly for support.
If you need to shorten, extend or cancel your plan you can do this online via the My Account page. When you first visit RentalCover you will need to activate your account. Simply find the RentalCover confirmation text or email in your inbox or spam and click the activation link. If you’re having issues, it may be because the email addresses of some Apple users aren’t shared with RentalCover. Instead, you can simply click on the link provided in the confirmation email you received when you purchased RentalCover Protection and update your email address. From your RentalCover Account, you can make a claim, make changes or view your wording.
Your plan can be used for most rental vehicles*, from any rental company*, subject to the terms of the rental agreement.
Your policy can be used for any rental vehicle*, from any rental company*, subject to the terms of the rental agreement. If you have multiple rentals with different rental companies, you will need a policy for each.
*Please note that there may be some vehicles that are not covered by the rental plans (e.g. exotic vehicles), as well as rental companies we do not cover.
The Rental Car Damage and Theft Coverage (Collision Damage Waiver) in our plans apply whenever your rental car is in the possession of the named driver and all additional licensed drivers included on your rental agreement. For Supplemental Liability Insurance, the named driver and all additional drivers included in your rental agreement are covered by your plan. Please ensure that you are named on the rental agreement.
Thinking of visiting other countries on your trip? Our Collision Damage Waiver coverage applies worldwide. Renters with our Supplemental Liability Insurance (for rentals that originate in the US, except New York) are covered for Canada if the vehicle is collected in the US.
You do not need to inform us of additional drivers or countries you are visiting.
Want more information? Our Rental Guides explain how everything works.
If your rental has started and you realize you forgot to buy protection, don’t worry, insurance can still be purchased. Just create a quote on the homepage.
As soon as your purchase is complete, your coverage is active. Find out more about how coverage days are calculated.
Please note that this doesn't apply to Canadian residents traveling within Canada or worldwide or US residents traveling within the US or worldwide, due to underwriter limitations.
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For all plans except ones sold to American residents, Supplemental Liability Insurance for US-based rentals, and those that are for travel in Iceland, if you find a better price anywhere, we are happy to beat it. Policies for American residents and travel within Iceland are also ineligible for various discount coupons on RentalCover.com.
Just reply to any of our emails and include details of the alternative quote, including a screenshot or link to the other quote, your country of residence, your destination country and your travel dates, and we will further discount your RentalCover.com quote.
We offer many types of accidental damage that the rental companies don’t, such as the following (not applicable with “Supplemental Liability Insurance" [for US rentals]):
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Unfortunately, transaction fees are everywhere when you travel internationally. In this article we share tips for how you can avoid these fees.
One major cost that most travelers don’t plan for is potential charges from the rental company in the event of an accident or damage. Those fees can cost in excess of $3,000 and credit card issuers typically charge 4-5% in additional fees for international travelers.
When you make a claim with us there are two factors that can explain the difference between the amount you paid for your damages and the final claim amount you receive.
1. Additional credit card fees: When you make a claim, we refund the charges you received from the rental company, but we do not refund any additional international transaction fees you might incur.
2. International money transfers: Our payment technology allows your claim to be paid into any bank in the world, with no additional fees. We waive the fees that banks charge for sending payments and wherever we can we waive the fees charged by your bank for receiving payment. We take these fees into account when calculating the exchange rates that you see at the time of payment.
For further information, please read this article. For more information on your plan options, visit our Rental Guides.
We sometimes hear of rental companies charging customers for damages that did not happen, inflating or miscalculating the final charges. If this has happened to you, you should file a “dispute” with your credit card issuer for this unauthorized transaction.
To save time filing your dispute please follow the instructions below:
1. Download our template letter and fill in your details
2. Contact your credit card issuer and use your letter to file a dispute for the final transaction you were charged by the rental company. It is best not to explicitly request a refund as your bank may defer you to contact the rental company directly to contest the charge. Instead, we advise you state that “the charge was unauthorised” since you do not recognise the damage
What happens next? You can expect a response within 1-2 weeks, and for the charge to be reversed within 3-4 weeks. Our customers have a 95% success rate with these requests. However, if your request is unsuccessful, or if you have some excess charges remaining after the dispute is settled, please start a claim online with us here and we will review your case as soon as possible.
When you first visit RentalCover you will need to activate your account. Simply find the RentalCover confirmation text or email in your inbox or spam and click the activation link. If you’re having issues, it may be because the email addresses of some Apple users aren’t shared with RentalCover. Instead, you can simply click on the link provided in the confirmation email you received when you purchased RentalCover Protection and update your email address.
Yes.
Any credit card can be used to make the purchase.
If you cancel your protection via your RentalCover Account, depending on your country we offer you the option to either receive a credit note or a cash refund. Credit notes are processed immediately and added to your RentalCover Account. If eligible, you can choose to receive a credit note, otherwise, the refund will typically show in your card statement within 3-7 days, although it may take some of our agents longer. If it’s taking longer please contact your bank or your booking agent.
You can log in to your RentalCover Account to manage your RentalCover protection and view your invoices and certificates at any time. When you first visit RentalCover you will need to activate your account. Simply find the RentalCover confirmation SMS or email in your inbox or spam and click the activation link. If you’re having issues, it may be because the email addresses of some Apple users aren’t shared with RentalCover. Instead, you can simply click on the link provided in the confirmation email you received when you purchased RentalCover Protection and update your email address. From your RentalCover Account, you can make a claim, make changes or view your wording.