Who are RentalCover.com’s insurers?

We work with some of the largest and most respected underwriters to provide you with insurance, no matter where you drive. Our top-rated global panel of insurers include, but are not limited to:

AON, Astrenska Insurance Ltd, Canopius, Chubb, Collinson, Intact Insurance, Lloyds, US Fire

Aon are the largest insurance company globally. Collinson are a leading travel insurer in Europe. Assetinsure in Australia are part of ASX-listed CBL Insurance and Intact are Canada’s largest insurer
 

All our customers benefit from the rigour and expertise that our global panel provides.

About your car rental

At RentalCover.com we provide the rental protection and our partners are responsible for the rentals.

A lot of our partners have very similar names to RentalCover.com, so it’s easy to get us mixed up.

{% if Agent.Name|default %} Need rental support? Your car rental booking was made with {{Agent.Name}}. Please contact their support team to make any changes to your reservation{% else %} Need rental support? Find your rental company's contact details here{% endif %}
 

Check your original confirmation email to find your rental company’s name.

Occasionally things go awry - and that’s why insurance exists! In this article we explain what to do if things go wrong:

What to do if your car breaks down

If your car stops working 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.

After this contact your rental company to let them know what has happened. Do not arrange your own recovery or repair without the rental company’s knowledge as this may invalidate their rental terms and conditions. Charges for towing and vehicle relocation are covered by RentalCover.com policies. We do not cover “out of pocket” costs such as accommodation or phone calls.

{% if Agent.Name|default %} Need rental support? Your car rental booking was made with {{Agent.Name}}. Please contact their support team to make any changes to your reservation{% else %} Need rental support? Find your rental company's contact details here{% endif %}
 

How to make a claim

Broken down or had an accident? After your trip has ended and your vehicle has been returned you can submit your claim using our online form.

After we’ve received all required documents and information our Claims team can begin processing your claim and preparing your refund.

About your cover

Renting in America? You can benefit from our popular American primary insurance protection.

Using RentalCover.com provides you with protection without touching your personal auto plan. So if you make a claim you can rest easy, knowing that there’s no deductible to pay from your personal plan and the rates on your plan won’t increase!

RentalCover.com offers great protection for US renters. Learn more in our USA Rental Guide

Since 2014 we’ve specialised in providing customers with cover that’s 50% cheaper than what you’ll be offered at the rental desk. We provide full protection for rental cars, 4x4s, campervans, minibuses and motorhomes.

Our policies are valid for any rental vehicle anywhere in the world and we have no hidden exclusions. We offer significant savings compared to the rates charged by rental companies and all RentalCover.com policies include the following as standard:

RentalCover - Peace of mind rental insurance RentalCover insurance RentalCover best price

Additional drivers

Unlike other companies, we cover additional drivers for free if they are nominated on your rental agreement

No sneaky exclusions

You won’t find any common exclusions in our policies, such as tyres or windscreens

Zero excess

We refund approved claims in full, including all excess deductible fees

Speedy claim repayments

If you make a claim we will refund you as quickly as possible - on average within three business days.

Global cover

Our insurance policies are authorised by top-rated underwriters.

 

RentalCover small car RentalCover support RentalCover best price
Global cover Global partners and underwriters Global refund
Your cover is customised to your destination and country of origin Our wide network allows us to bring you the best cover at the best price Claims are refunded in your local currency
 

Want more information? Our Rental Guides explain how everything works.

Insurance policies are always calculated in full calendar days to ensure you are covered for the full trip even if you pick up early or drop off late.

For example, if you pick up your vehicle on June 3rd and drop it off on June 9th that would be seven rental cover days.

Early drop-off or running late? Full day protection ensures you are covered no matter what time you return your vehicle

Yes - registered agents can provide their customers with rental peace of mind while earning 50% commission on every booking.

Visit agency.rentalcover.com to register today and join our team!

At RentalCover.com we believe that you shouldn’t need a legal degree to understand our policies. That’s why everything we write is refreshingly simple. All our policies have been designed to provide you with peace of mind and protection for those unexpected eventualities.

Here’s a summary of the protection you receive when you book with us:

  What you get with RentalCover.com What you might get at the rental desk
 
Multi vehicle accidents
Single vehicle accidents Sometimes
Fire, theft and vandalism Sometimes
Towing, lockout & keys Sometimes
Windshield and headlights x
Tyres and underbody x
Standard excess / deductible

$0

$3000 - 4000
Usually fixed cost
Total coverage amount $100000 Car value
Minus exclusions
Price per day 50% cheaper than at
the rental desk
$10-$30* per day
* Airports surcharge +10-25%
 

For more information please read our country specific Rental Guide.

Yes we do. If you’re planning your next trip make sure you save on insurance by choosing the right level of cover for the vehicle you’re planning on renting.

Choose your vehicle

Car

This includes cover for vehicles with fewer than nine seats, including the driver’s seat. If you are planning on driving on unsealed roads in accordance with the permissions set out in your rental agreement, add 4x4 cover via the My Account page. Lastly, if you are planning on renting a speciality, vintage or exotic car please contact us to check whether we offer insurance for your trip.

4x4

Going off road? Then select this policy. It covers you for any vehicle that you plan to drive on unsealed roads in accordance with the permissions set out in your rental agreement. The 4x4 policy can be purchased for 4x4s, and added via the My Account page to campervan and motorhome policies.

Campervan

Does it have two or more in-built sleeping berths and no in-built shower or toilet? If so it’s a campervan. If you are planning on driving on unsealed roads in accordance with the permissions set out in your rental agreement, add 4x4 cover via the My Account page.

Motorhome / RV

Select this if your vehicle has a built-in shower and / or toilet. If you are planning on driving on unsealed roads in accordance with the permissions set out in your rental agreement, add 4x4 cover via the My Account page.

Minibus

Group trip? Select minibus if your vehicle has between nine and 14 seats, including the driver’s seat.

Is your vehicle type not listed above? Send us a message to find out if we can offer protection for your next rental.

Follow the tips below to avoid the hard sell and have a safe, stress-free trip:

1. Your RentalCover.com policy is valid

If you are told by the rental company that they “don’t recognise” your RentalCover.com policy, don’t worry: They don’t need to! Our policies are an independent alternative to the rental company’s waivers and they are valid worldwide. They have no hidden exclusions and are 50% cheaper than the rental company’s waivers. If your rental company refuses to give you a vehicle we recommend speaking to your rental booking agent.

2. Be prepared

Have all required documents ready for your check-in and take a look at your country’s Rental Guide so you know what to expect at the rental desk.

3. Be confident

You have chosen to be insured by a fully underwritten, global distributor of insurance products with a proven track record of processing claims lightning fast - on average within three business days. We have been doing this since 2014 and our customers rate us "excellent" on consumer review website, TrustPilot.com.

Want more information? Our Rental Guides explain how everything works

We understand that insurance, and especially insurance acronyms, can be confusing! In this short article we demystify the two most commonly used terms you will hear at the rental desk:

Excess deductible

This is the maximum you will pay for a claim before your Collision Damage Waiver (CDW) comes into play. In the event of an accident you are liable to pay up to the full excess deductible amount, and your CDW insurance will pay the rest. For example, if your car is worth $10000 and your excess deductible is capped at $3000, you would pay up to $3000 and the rental company’s insurance would pay the rest. You can purchase additional protection from RentalCover.com which reduces your excess / deductible costs to $0.

Collision Damage Waiver (CDW)

CDW and LDW 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.

✗ Without CDW

If you have an accident you may be responsible for the full cost of your rental, in additional to any towing and administrative charges incurred due to loss of use while the vehicle is off the road.

✓ With CDW

If you have an accident you will only pay up to the deductible excess amount on the vehicle. Many rental company CDW policies typically exclude windscreen and tyre repairs/replacements, as well as undercarriage, roof, interior, window and side mirror damages. However, if you have purchased RentalCover.com’s Full Cover product we not only reduce your excess deductible to $0, but also include protection for all the items that these policies don’t protect you for.

Want more information? Our Rental Guides explain how everything works

We understand that insurance, and especially insurance acronyms, can be confusing! In this short glossary we demystify the more commonly used terms you will hear used at the rental desk:

CDW protects you from sky high costs in the case of an accident, theft or damage being caused to your vehicle. If you have this insurance the rental company will waive their right to collect the full cost of the damage and repairs from you (similar to the full value of the car) to somewhere between €/$/£1500 & €/$/£3000 depending on the car and the rental company. You can purchase additional protection from RentalCover.com which reduces your excess / deductible costs to $0.

This is the maximum you will pay for a claim before your Collision Damage Waiver (CDW) comes into play. In the event of an accident you are liable to pay up to the full excess deductible amount, and your CDW insurance will pay the rest. For example, if your car is worth $10000 and your excess deductible is capped at $3000, you would pay up to $3000 and the rental company’s insurance would pay the rest. All RentalCover.com policies include zero excess as standard.

This is almost the same as CDW. The only difference is that this waiver covers theft, vandalism and loss of use to your vehicle on top of your existing CDW. At RentalCover.com all our policies include protection in the event of fire, theft and vandalism as standard.

This is the fee imposed on the customer by the rental company to cover any loss of income incurred while the vehicle is being repaired.

Sometimes referred to as deductible excess protection or waiver, this is a supplemental policy to CDW, and is available from RentalCover.com. If you have this insurance we will take on the responsibility for refunding your deductible excess in the event that you need to make a claim, effectively reducing the amount to $0. All RentalCover.com policies include zero excess as standard.

We work with some of the largest and most respected underwriters to provide you with insurance, no matter where you drive. Our top-rated global panel of insurers include, but are not limited to:

AON, Astrenska Insurance Ltd, Canopius, Chubb, Collinson, Intact Insurance, Lloyds, US Fire

Aon are the largest insurance company globally. Collinson are a leading travel insurer in Europe. Assetinsure in Australia are part of ASX-listed CBL Insurance and Intact are Canada’s largest insurer
 

All our customers benefit from the rigour and expertise that our global panel provides.

Making a claim

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.

This is not an exhaustive list and there are exceptions on a state-by-state basis. Your rental company missing? Let us know so we can add it for you
 

Who pays if you bring your RentalCover.com CDW?

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.


• If for some reason the insurer does not immediately accept responsibility for the forthcoming matter (ex. if they are closed), ACE won't charge you but will keep on trying contacting your CDW Insurer.

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.


• If for some reason the insurer does not immediately accept responsibility for the forthcoming matter (ex. if they are closed), you will be charged for the damages and then you would seek expedited reimbursement from your CDW insurer.

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.


• If for some reason the insurer does not immediately accept responsibility for the forthcoming matter (ex. if they are closed), you will need to keep contacting your CDW Insurer, but Advantage won't charge you for the damages.

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.


• If for some reason the insurer does not immediately accept responsibility for the forthcoming matter (ex. if they are closed), you will be charged for the damages and then you would seek expedited reimbursement from your CDW insurer.

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.


• Budget will do a credit check on policy holder at time of pickup and will most likely check your credit limit.

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.


• If for some reason the insurer does not immediately accept responsibility for the forthcoming matter (ex. if they are closed), you will be charged for the damages and then you would seek expedited reimbursement from your CDW insurer.

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).


• You will need to quickly engage your CDW Insurer. They will facilitate your reimbursement for outgoing collision costs.

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.


• Hertz will do a credit check on policy holder at time of pickup and will most likely check your credit limit.

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.


• National will do a credit check on policy holder at time of pickup and will most likely check your credit limit.

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.


• Zipcar will do a credit check on policy holder at time of pickup and will most likely check your credit limit.

All claims can be submitted online. Just enter your Reference Number (this ends with "INS" and can be found on your confirmation email).

1
2
3
4

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 SMS

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.

  Learn more about the documents you need to share when making a claim

All claims follows these four stress-free steps:

1
2
3
4

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 SMS

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.

Our Claims team is here to help ensure that the claim process is as stress-free as possible

In the event of breakdown or an accident, it is important that you follow these steps:

1. Contact your rental company{% if Agent.Name|default %}, {{Agent.Name}}{% else %}{% endif %} to report the incident. You can find their number on the rental agreement you signed when collecting your vehicle. Keep that rental agreement as you will need it for your claim.

2. We recommend taking photos to document damage to your vehicle and any other vehicles.

3. After following the rental company's instructions, and once your rental period is over, and once the final charges have been settled by the rental company, submit a claim with RentalCover.com. We will keep you updated by email at every step of the claims journey. You will need these documents. 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.

> Why is it needed?
To confirm your identity matches the details on your rental agreement, and that you held a valid licence at the time of the rental.

 

> 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.

If you are a US resident in America with our “Collision Damage Insurance” plan, your claim will follow these four stress-free steps:

1
2
3
4

Claim is started via the online claim form

Our insurance partner Aon will process and assess your claim

You’ll be notified by email when your claim has been approved

Aon will post you a cheque for the refund amount in the name of the insured passenger

You can track your claim via Aon’s online portal (you will need your reference number).

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.

The final rental invoice includes any excess deductible fees you paid, minus any refunds you might have received from the rental company
 

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 as they can be slow responding to emails.

How to make a claim

After your trip has ended and your vehicle has been returned you can submit your claim using our online form.

Managing your cover

At RentalCover.com we work with a number of car rental partners who sell our policies when you book from their site. If that sounds like you, and your trip has already started, please contact your rental agency directly for support.

{% if Agent.Name|default %} Need rental support? Your car rental booking was made with {{Agent.Name}}. Please contact their support team to make any changes to your reservation{% else %} Need rental support? Find your rental company's contact details here{% endif %}
  {% if Agent.Name|default %}

If you purchased your policy directly from RentalCover.com, unfortunately once your rental period has started it is not possible to cancel your cover. You can however extend or shorten your policy. To do this just visit My Account. To login, you will need your booking reference number which ends with "-INS", it can be found in the subject line of your confirmation email.

{% endif %}

We understand that even the best made plans sometimes change, which is why you can cancel your RentalCover.com policy up to the time of pick-up to receive a full refund.

To cancel, extend or shorten your cover please follow these steps:

1. Visit My Account.

2. Next login. To do this you will need your booking reference number which ends with “-INS”, this can be found in the subject line of your confirmation email.

3. Lastly, choose your policy and select either Edit Cover or Cancel. We will then immediately process your refund. Please note that most international transfers complete within one to four business days.

At RentalCover.com we provide the rental insurance and our partners are responsible for the rental cars. We work with a number of rental partners who sell our policies when you book from their site.

If that sounds like you, and you are having difficulty at the rental desk, please contact your rental agency directly for support.

{% if Agent.Name|default %} Need rental support? Your car rental booking was made with {{Agent.Name}}. Please contact their support team to make any changes to your reservation{% else %} Need rental support? Find your rental company's contact details here{% endif %}
 

If you purchased your policy separately to your car rental and would now like to cancel you can shorten, extend or cancel this online via the My Account page. For more instructions please read our cancellation guide.

Please note that your RentalCover.com policy can be used for any rental vehicle, from any rental company, subject to the terms of the rental agreement. You don’t need to change your policy.

To shorten or extend your policy please follow these steps:

1. Visit My Account.

2. Next login. To do this you will need your booking reference number which ends with “-INS”, this can be found in the subject line of your confirmation email.

3. Lastly, choose your policy and select Edit Cover. If you reduced the number of days we will refund you the difference to your original payment card. If you are extending your dates you will just need to pay the additional amount.

Good news. You don’t need to change your policy.

Your RentalCover.com policy can be used for any rental vehicle, from any rental company, subject to the terms of the rental agreement.

Planning on adding extra drivers and countries to your cover? Learn more here.

The nominated driver and all additional drivers included on your rental agreement are covered by your RentalCover.com policy. There is no need to add any additional drivers to your policy; they are automatically covered free of charge.

Thinking of visiting other countries on your trip? Your policy also includes coverage for any additional countries that you visit in the same rental vehicle, as long as the vehicle was collected from your nominated country of pick-up.

You do not need to inform RentalCover.com of additional drivers or countries you are visiting.

Payments

If you do find a better price anywhere, we are happy to beat it.

Just reply to any of our emails and include details of the alternative quote, including your country of residence, your destination country and your travel dates, and we will further discount your RentalCover.com quote.

When comparing policies keep in mind all the benefits of a RentalCover.com policy


We include many types of damage that the rental companies “exclude” such as:

All types of accident
Theft/fire/vandalism
Windscreens & tyres
Roadside repairs
Underbody damage
Lockout & key replacement
Towing
Headlights

Three business days is the standard refund window for RentalCover.com policies. It can take longer if documents are missing so please provide them at the outset.

Please see below to understand the average time for claim approvals and refund payments:

1. Submit your claim

After your trip has ended and your vehicle has been returned, submit your claim using our online form (you’ll need to provide us with the following documents).

2. Fill in the blanks

Already provided us with all required documents? If so you can skip to step three. If a document is missing or our team need more information we will contact you within 48 hours after your claim was submitted. Good news though, 98% of claims get approved upon first submission.

3. Let’s approve your claim

On average our team approve claims within three days. After your claim has been approved we’ll send you an email with a link for you to securely enter your preferred payment bank details.

4. Let’s get paid

After you have entered your bank details we immediately transfer the funds in your chosen currency. Several factors outside of our control now influence the time it takes for these funds to show in your account. However, most international transfers complete within one to four business days.

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 travellers don’t plan for are potential charges from the rental company in the event of an accident or damage. Those fees can cost in excess of $3000 and credit card issuers typically charge 4-5% in additional fees for international travellers.

Before you travel check the cost of using your credit or debit card overseas. To avoid costly card fees we recommend that you use prepaid travel cards
 

When you make a claim with RentalCover.com 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 RentalCover.com will 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. While 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, (these normally both cost between 10-20 USD per transaction), we take these fees into account when calculating the exchange rates that you see at the time of payment.

We hope that this article explains the efforts we take to simplify payment and how you can save money when travelling internationally.

If you make changes to your RentalCover.com policy or create several quotes over time you may notice a small difference in price from when you originally booked.

Reasons why the cost of your modified cover may differ are as follows:

1
The average price per day often changes based on multiple factors including the duration of bookings, locations, time of the year, the car rental rates and many other factors.
   
2
Insurance risk rates are provided by our insurers. They are complex and can impact the price you see
 
If you do find a better price anywhere, we are happy to beat it. Just reply to any of our emails and include details of the alternative quote, and we will further discount your RentalCover.com one

Get a quote for your next trip

I live in:
I'm renting a :
Coverage for vehicles with less than 9 seats (including driver).