What is SLI (Supplementary Liability Insurance)?

The following information is US customers only, for information relating to other regions please refer to the country specific FAQs

 

Supplementary Liability Insurance insures you for injuries to other drivers and their vehicles. In some countries this "third party" insurance is compulsorily provided by the vehicle owner, i.e. the rental companies. However most states in the US do not require the vehicle owner to have mandatory third party liability, meaning the driver is potentially liable for injuries to other people and their property

If you are driving in one of those states you will be offered SLI (also called Accident Liability Insurance/ALI or LIS) by the rental company, which will normally provide between $1,000,000 and $2,000,000 coverage. As a general rule, if SLI if offered by the rental company, we advise you to take it.

 

Example Claim

RentalCover.com customer Keith Richards is holidaying in California to get some much needed time in the sun. When Keith turns up to collect his car from the rental desk, the staff explain to him that rental companies aren't required to insure third party damage in their state, and that they instead offer an optional product called SLI to insure customers.

Given his tendency to get a bit wild while on holidays, Keith decides it would be in his best interests to be insured for any and all potential situations, and opts in for the SLI. This decision pays off just minutes later when Keith accidentally backs his new rental car into the rental desk owner's BMW.

After a lengthy process Keith is able to claim back the full cost of the damages to the BMW through his SLI, and he gets to continue on his merry way.

 

How much coverage is normally provided?

In the USA each state has different rules regarding whether or not third party coverage must be provided, and often the minimum level of coverage required by law will be quite low. Despite this most SLI providers will generally insure you in the range of $1-2 million, though in some cases coverage may extend up to $10 million.

 
  Minimum legal coverage  
State Individual Multiple Persons Property Supplier SLI Coverage
California $15,000 $30,000 $5,000 $1-2 million
Florida $10,000 $20,000 $10,000 $1-2 million
Nevada $15,000 $30,000 $10,000 $1-2 million
New York $25,000 $50,000 $10,000 $1-2 million
Other $10-50 thous. $30-100 thous. $5-25 thous. $1-2 million
 

Am I insured if I am not at fault?

Generally no. In most cases you will only be able to claim third party damage or injuries if you were the driver at fault. The only exception to this would be if you were deemed by a court to be responsible for a third party accident even if it is not caused by you directly, though this will vary depending on your policy terms.

 

An Example of When You Are Not At Fault

RentalCover.com customer Eric Clapton is visiting friends in California, and is hiring a car to get around. While Eric is turning a corner, a taxi driver in a hurry to get a fair pulls an illegal u-turn and drives into the side of Eric's vehicle. Even though the other driver's vehicle is written off, Eric's SLI does not need to insure the taxi driver's car as Eric is not a fault.

 

How Does the Claims Process Work?

To make a SLI claim you will need to contact the rental company's insurance provider and deal directly with them. You will be asked by the insurers to fill out a statement of claim, and to provide some form of documentation relating to your insurance and the claim being made (usually a certificate of insurance, receipts of payment, copies of invoices and police reports as well as other details from the third party showing evidence of damages or or injuries sustained).

Contact Us

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

About RentalCover.com

  1. Our policies are 50% cheaper than the rental companies, guaranteed!
  2. Enjoy your travel without worrying about rental companies overcharging you for damages!
  3. Our policies are built for the unique requirements of vehicle renting in every country.
  4. Accident-related fees are expensive - we fully cover them.
  5. Our underwriters are some of the best known insurance brands globally.
  6. Multi-vehicle accidents can be complicated. We handle all of the insurance back and forth and reimburse you straight away so you can relax (see our Claims Guide).
Our Rental Guides explain how everything works.
Our Rental Guides explain what is included with the car booking and what to say when you are offered additional insurance at the rental desk.

Our Rental Guides explain how everything works.
Our global insurance panel includes “A” rated household names such as those below.
 
Our underwriters.
US Fire Axa Assistance Collinson Group Intact Insurance Chubb

 

Our Rental Guides explain how everything works.
Yes. Additional drivers on the rental agreement are automatically covered free. We do not need their names.

Our Rental Guides explain how everything works.
Not recommended! There are many examples of disgruntled renters who have been charged by rental companies for damages that did not happen, or where the repair cost is inflated, or where the related fees exceed the minor damage. These are all covered in full by RentalCover.com.

Our Rental Guides explain how everything works.
Damage costs and associated fees will be payable to the rental company. Once a claim is submitted, we reimburse the damage costs and related fees charged by the rental company. Our target for claims is 3 days once all documents are submitted.

Our Rental Guides explain how everything works.
You can add coverage for off-road 4x4s, campervans, motorhomes & small buses in the quote form.

Our Rental Guides explain how everything works.
Offroad 4x4s that are to be driven on unsealed roads are covered if you select the 4x4 option in the quote form. You still need to adhere to the rules of the rental agreement. For all other vehicles, if your rental agreement permits you to drive on unsealed roads you are covered by RentalCover.com.

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!

Our Rental Guides explain how everything works.
Yes. You are covered up to the policy limit for each individual incident.

Our Rental Guides explain how everything works.
We are just about to launch agency.rentalcover.com, a platform dedicated to helping travel agents make bookings for multiple clients and keep them organized under a single login. We also included a very generous commission structure for our travel agent partners. Find out more
Yes they can! RentalCover.com has created a platform specifically for travel agents, corporate managers and booking agents. We offer competitive prices for all of your clients and a generous commission structure for all agents. Visit agency.rentalcover.com and register your work email to access the full benefits of the platform.

Here are just some of the key features that our agency platform offers:

  • A very generous commission structure for every new booking or referral to another agent
  • A single, personalised login to manage and administer multiple bookings for multiple clients
  • A very easy-to-use dashboard that shows all bookings and dates to enable easily modification of multiple bookings
  • Clients also retain full access to the booking so that they can directly edit their bookings, if required.
Click here for more information
 

Renting a car overseas? Sort out the insurance before you go, and you’ll get better coverage at a better price. Insurance 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 RentalCover.com.

 

Popular destinations

Australia    Canada    China    France   Germany   

Italy   Japan     Mexico   UK    US       

Other destinations

 
         
 

Claims Info

Visit the claims page for everything you need know about how to make a claim including our document requirements and how long it takes.

If your question isn't answered by the above please fill in the below form or give us a call:

Email Us


Phone Us

Australia
+61 2 8188 4745
Call
Bahrain
+973 1619 6427
Call
Brazil
+55 19 3957 3458
Call
Canada
+1 (587) 600-0412
Call
Canada (Toll Free)
(844) 515-2056
Call
Denmark
+45 89 88 45 46
Call
Finland
+358 75 325 2845
Call
France
+33 9 70 73 27 61
Call
Germany
+49 32 211 122165
Call
Hong Kong
+852 5808 5951
Call
Israel
+972 2 372 4218
Call
Italy
+39 0862 060 139
Call
Japan
+81 3 4540 9544
Call
Netherlands
+31 85 8888 124
Call
New Zealand
+64 4 888 0146
Call
Poland
+48 22 397 91 21
Call
South Africa
+27 87 550 3582
Call
Spain
+34 518 889 143
Call
Sweden
+46 10 138 80 53
Call
Switzerland
+41 31 528 06 02
Call
United Kingdom
+44 141 280 5760
Call
United States
+1 (337) 423-0869
Call
United States (Toll Free)
(844) 856-3234
Call

Get a quote for your next trip

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