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Enter your Country of Travel and your Rental Company or booking agent to see what is included or excluded in your policy.

How much do I pay if there's an accident?

The amount payable in the event of an accident is usually called your "excess" or "liability" and it can be either:

  • The full value of the car: This is the case in Europe and the US unless your booking included CDW ("Collision Damage Waiver") or LDW ("Loss Damage Waiver" which is CDW with theft coverage included). For more info please see our US Car Rental Insurance Guide and our Europe Overview. Most car rentals include CDW or LDW (it is mandatory in the EU for EU Residents) however US residents would rarely see it included as US travellers tend to bring their home car insurance policy. In Australia and NZ the renter's excess is never the full value of the car as they cannot be rented on that basis.
  • An amount that is typically between €/£/$1000 & 4000 (higher for some motorhomes). Rental companies offer policies called "Super CDW" (or "Super LDW" if it includes theft coverage) or "Excess Reduction" (Australia and NZ) that reduce the excess towards €/£/$0 . These policies do not exist in the US - they only sell CDW and LDW and the resultant excess is always $0. In Europe, Asia, Australia/New Zealand and South America Super CDW/LDW is always available at the rental desk. RentalCover.com's "Zero Excess Rental Cover" policies are 50% cheaper and have none of the exclusions that rental companies include in Super CDW/Super LDW/Excess Reduction.
  • An amount between €/£/$0 & 500: Super CDW/LDW and Excess Reduction policies tend to reduce the excess that would be payable in the event of an accident towards zero but it could be as high as €/£/$500. They often sell several policies with increasing benefits (i.e. less exclusions) but generally, the more you pay the lower the excess goes. In the US there is no excess payable if the booking has CDW or LDW applied however there are often "out of pocket" costs because the rental companies charge damage-related fees and you are also responsible for roadside assistance and related costs (such as towing, impound and fuel) and repairs to common items like tyres and windscreens. RentalCover.com's "Extra Cover For USA" provides coverage for these and many other incidental costs and it includes free Roadside Assistance saving you $5-$10 per day.
RentalCover.com policies reimburse you for any of the above amounts up to the limit shown in your policy.

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Please check if these questions are relevant or scroll down to contact us:

About Our Price Guarantees

How are coverage days calculated?
I found a better price on a policy, will you match it?

About RentalCover.com

What are the benefits?
Who is RentalCover.com & Who provides the coverage?
What is the Rating of Our Underwriters?

Alternatives to RentalCover.com

How to make an informed choice when you get to the rental desk - your insurance options explained.
Can I rely on Travel Insurance?
Should I just risk it and not get insurance?

Annual Plans

How Do I "Log" Rentals For My Annual Plan?

Claims

How do claims work for "Extra Cover" (for USA & Canada)?
How do claims work for "Zero Excess Rental Cover", "No Excess Rental Cover" & "Rental Vehicle Cover"?
When can I expect claims to be settled?
How do I make a claim?
Am I insured if I have more than one accident?
How do I report a claim for "Collision Damage Coverage" (for US Residents)?

Country: Asian Countries

What should I do at the rental desk in Asian Countries

Country: Australia/NZ

How does Excess Reduction & Third Party Insurance work in Australia and New Zealand
What should I do at the rental desk in Australia/NZ?

Country: Canada

How does rental excess & CDW work in Canada? What are my options?
What should I do at the rental desk in Canada?

Country: EU/UK

How does rental excess/CDW work in Europe? What are my waiver options?
What should I do at the rental desk in EU/UK?

Country: Latin American Countries

What should I do at the rental desk in Latin American Countries

Country: Namibia/Africa

How does rental excess & CDW work in Africa? What are my options?

Country: United States

What are the insurance options in the USA? How does the US differ from most other countries?
How Does The Free Roadside Assistance Work for USA Policies?
What is Extra Cover for the USA? What do I say at the rental desk?
What should I do at the rental desk in the US?
What should I do at the rental desk if I am traveling abroad with Collision Damage Coverage (for US Residents)?

Country: Worldwide

What should I do at the rental desk: Introduction

Damage Waivers (CDW, LDW, Super CDW, Super LDW)

What is "excess", "CDW", "LDW", "excess reduction", etc? And what is RentalCover.com?
How much do I pay if there's an accident?
How do "LDW" and "Super CDW" and "Super LDW" differ from simple "CDW"?

Managing/Cancelling/Modifying Policies

How do I cancel a policy, change dates or add coverage? What if I changed my rental vehicle?
Help, I can't login!
When are the policies issued?
How do I submit my airline rewards program number?
How much coverage do I need?
Are there age or residency restrictions?
Are additional drivers insured?
How do I change the name of the policy holder?
Who is insured? What is insured?
I bought a policy but changed my car. Do I need a new policy?
How do cancellations and refunds work?
What is a refundable deposit/bond? When does it get refunded?
How do I add coverage to my policy?
I have several rentals over a period of time. Do I need a policy for each rental? What if I have several countries to visit?
What are my policy's inclusions?

Personal Accident Insurance

What is PAI (Personal Accident Insurance)?

Supplemental Liability Insurance

What is SLI (Supplementary Liability Insurance)?

Theft Protection

What is Theft Protection?

Third Party Cover

Is "Third Party" included?
Why do rental companies charge a large excess when the repair cost is small? What happens if I'm "not at fault"? Will I get my money back? When?

Types of Vehicles & Types of Rental (Peer To Peer etc)

Are 4x4s Insured? What about unsealed roads?
What types of "rentals" are insured? Car shares? Loan cars from mechanics?

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