What is Rental Car Damage Protection? Rental Car Insurance* Explained

The last thing you want to worry about on your travels is having to pay for the cost of a dent or minor scratches left on your rental vehicle. If you’re not careful, minor damage such as these could add up. Rental car protection helps cover the cost of such incidents and protects you from a potentially significant bill at the end of your trip.

We offer equivalent protection up to 50% less expensive, with $0 deductible (also called “excess” elsewhere including Europe).

New to RentalCover.com? Try these helpful articles:
How RentalCover.com Works
Why Use RentalCover.com
How Claims Works

Rental car company waivers vs Independent rental car insurance

Rental car insurance companies can offer waivers anywhere between US$19-$37 per day. Depending on the company, the coverage can vary, often excluding important things like keys, windshields, tires, and underbody damage. The independent plan that we offer at RentalCover.com gives you this valued coverage for up to 50% less expensive (and higher in Europe)† and has no deductible/excess.

Why choose rental car insurance?

Purchasing rental car insurance is optional, however in the event of something going wrong, the cost of repairs can be excessive. The cost can be several thousand dollars for minor scratches that sometimes weren't done by the renter! In such cases, it pays to spend money upfront on independent coverage.

What's included in RentalCover.com coverage?

RentalCover.com plans insure you against rental vehicle damages, such as:

  • Cracked windshields and damaged headlights, theft, vandalism, windstorm, fire, hail, flood or any cause not in your control while the vehicle is your possession.
  • Administration fees, relocation, and “loss of use” fees as a result of an accident that you’re required to pay the rental company.

Read more about how RentalCover.com works.

Key reasons to use RentalCover.com

  • Save up to 50% with us† 
  • No hidden fees and no claim fees.
  • There’s no deductible/excess.
  • 95% of claims are processed within 3 days
  • 100% free cancellation up until the time of pickup
  • Coverage works for any country and any rental company.*

Collision Damage Waiver (CDW) & Excess Waivers (SCDW) explained

CDW** is an optional service sold by car rental companies that protects you in case you’re in an accident that causes damage to your car rental. Outside of the US, the CDW includes a large deductible/excess. In the US the deductible is smaller, or $0. 
Our Country Guides have more information.



*For US Residents, Car Rental Insurance coverage is included as part of a travel protection plan. Insurance coverages are subject to the terms, limitations and exclusions in the plan.
**For US Residents, CDW Coverage is included as part of a travel protection plan.  Insurance coverages are subject to the terms, limitations and exclusions in the plan.


† We compared the costs of collision damage protection via 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.

Get a quote for your next trip

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Coverage for vehicles with less than 9 seats (including driver). Excludes luxury/exotic cars.*