我应该在租赁柜台做什么？

 

在海外租车？ 在您去之前整理保险，您将以更优惠的价格获得更好的保险。 保险产品可能因您居住的地点和您要去的地方而有所不同，因此请从下面的国家/地区列表中选择您的目的地，我们将帮助您将典型的租车公司政策（通常称为碰撞损害豁免（CDW））与 你可以使用 RentalCover.com 。

热门目的地

澳大利亚功能    加拿大    中国    法国    德国   

意大利   日本      墨西哥    英国     美国       

其他目的地

 

我们为您提供租赁保护，并与数十家负责您汽车租赁的预订代理合作。

要更改您的汽车预订，我们合作伙伴的联系方式如下。

参阅 本文章了解有关如何取消或修改 RentalCover 保护的分步说明。

RentalCover.com负责提供租车保险，我们的合作商负责提供租赁车辆。

我们很多合作商的名字与RentalCover.com非常相像，我们很容易被搞混。

 

 

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 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 Protection for USA" 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 are damages to other vehicles or injuries to other people. 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 options 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

SLI (Supplementary Liability Insurance)

Theft Protection

PAI (Personal Accident Insurance)

Roadside Assistance

如美国常见问题解答所述，美国的保险选项与英国大部分地区不同/欧盟和澳大利亚/新西兰和亚洲。由于向国际旅行者出售的美国租赁通常包括零免赔额（即在发生事故时无需支付超额费用），您将在租赁柜台获得可选的道路救援。

我们的路边援助可以为您承担的各种费用提供保险，包括拖车，扣押费，钥匙更换，电池和挡风玻璃/轮胎/轻型维修或更换，当然还有通话费和任何其他维修。您也可以通过提前终止租赁申请任何未使用的旅行部分。我们还提供由于您的事件而由租赁公司应用的额外费用的保险，主要是信用卡费用，“管理”/处理费和“使用损失”费用（租赁公司收回车辆丢失时的任何收入）正在修理的路上。）

以下信息仅适用于美国地区客户，其他地区客户请查看各地专门的常见问题

补充第三方责任险（Supplementary Liability Insurance）承保您对其他车辆和司机造成的损失。在某些国家，第三方责任险由车辆所有人，也就是租车公司，强制提供。但美国的大多数州不要求车辆所有人必须提供第三方责任险，这就意味着司机有可能要为事故中的财产和人身损失承担费用。 

如果您将前往这些州，租车公司将向您提供补充第三方责任险（SLI）（也叫意外责任险ALI），承保额度通常为$1,000,000-$2,000,000不等。一般而言，如果租车公司提供了补充第三方责任险（SLI），我们建议您购买它。 

 

保险额度通常有多少？

在美国，各州关于第三方责任险是否是强制的，有着不同的规定。法律规定的最低保额通常很低，但多数补充第三方责任险（SLI）供应商会承保1-2百万美元，特殊情况下，甚至会高达1千万美元。

 

	最低依法保险额度
州	单人	多人	财产	供应商承保额度
加利福尼亚	$15,000	$30,000	$5,000	$1-2 百万
佛罗里达	$10,000	$20,000	$10,000	$1-2 百万
内华达	$15,000	$30,000	$10,000	$1-2 百万
纽约	$25,000	$50,000	$10,000	$1-2 百万
其他	$10-5万	$30-10万	$5-2.5万	$1-2 百万

 

如果我不是事故过错方，我是否被承保？

一般而言，您不被承保。大多数情况下，只有当您是过错方时，您可申请索赔第三方责任险。唯一的例外情况是，虽然您不是直接过错方，但法庭判定您对第三方的损失负有责任。当然，具体情况视乎您的保单条例。

   

索赔流程如何进行？

您需要直接联系租车公司的保险供应商，进行索赔，供应商会要求您填写索赔申明，并提供与您的保险和索赔相关的材料（通常包括保险证书、收据、发票复印件和保单报告，以及第三方有关车辆损坏或人身伤害的证明）。

1. 我们保证我们的保单比租车公司便宜50％！
2. 享受您的行程，又不用担心租车公司对损坏索费太多！
3. 我们的保单是为每个国家对车辆租赁的独特要求而设。
4. 事故相关的费用昂贵 - 我们全额支付费用。
5. 我们的承诺支付者是其中一些全球最知名的保险品牌。
6. 多车事故可能是复杂的。我们频繁办理所有的保险和马上报销您的损失，使您可以放心 (查看我们的索赔指南)。

我们的租车指南解释租车流程是怎样运作的。

保险保单总是以完整的日历天计算出来的，以确保您全部旅程的时间都被覆盖，即使您选择了提早取得或延迟送回车辆！

我们的租车指南解释租车流程是怎样运作的。

如需缩短或延长您的保险，请按照以下步骤操作：

1. 访问 我的账户.

2. 登录。您需要准备好您的预约订单号（以“-INS”结尾），您可以在预约确认邮件的标题中找到它。

3. 勾选您的保险，点击减少投保天数/增加投保天数。如果您选择缩短保期，我们会将缩减天数的保费退还至您的付费银行卡上；如果您选择延长保期，您只需支付增加天数的费用即可。

我们希望您所有顾客都能轻松理解RentalCover.com的保单政策，即使他们没有学过法律。所以我们的描述都尽可能简洁明了。我们所有的保险都为您量身打造，保驾护航，只为给您一个省心省力的旅程。

以下是我们为您提供的一系列保障：

	RentalCover.com的保险	租车门店的保险
多车交通事故	✓	✓
单车交通事故	✓	部分承保
火灾、盗窃和故意损坏	✓	部分承保
偷车、反锁车外 & 丢失车钥匙	✓	部分承保
挡风玻璃和车灯	✓	额外支付
轮胎和底盘	✓	额外支付
标准自付金额/免赔额费	0元	20，000 - 30，000元 通常是固定费用
单日价格	比 租车门店便宜 50%	每天 x 70 - 200元 * 机场附加费 +10-25%

 

请阅读我们的多语言租车指南获得更多信息。

是的。您可以在 RentalCover.com 主页上选择车辆类型。虽然车辆可以前往任何目的地，但您可能会注意到，我们在部分国家不提供房车/休闲车、露营车、巴士、四驱车。

  汽车

这个包括针对十座以下（包括驾驶位）汽车的保险。只要您的租车合同允许，如您计划在山路、砂石路等非正常公路驾驶车辆，请在我的账户页面添加四驱越野车保险。最后 如果您计划在旅途中租用专业车、老爷车或者异形车，请联系我们咨询是否可以投保。

我们的保单不涵盖超级跑车、高端跑车和豪华车（包括但不限于法拉利、保时捷、兰博基尼、阿斯顿马丁和宾利）、老爷车以及租赁的目的包括用于参加赛车或其他特殊活动的车辆。

  四驱越野车

想要去越野吗？一定要选这份保险！只要您的租车合同允许，如您计划在山路、砂石路等非正常公路驾驶任何车型，您都将受到保障。您可以为四驱越野车购买该保险，也可以通过我的账户 页面为自走式露营车和紧凑型野营车保单添加该保险。

在 4x4 四驱车型顶上加装帐篷？首先请选择“露营车”车型。然后在报价页面底部添加“4x4”四驱车型即可投保。

  小巴士

团队出游？ 如果您想租的车型有 9-14 个座位（包括驾驶位），请选择小巴士。

  紧凑型野营车

如果车里有两个以上内置床位，但是没有内置淋浴或厕所，那就是紧凑型野营车。只要您的租车合同允许，如您计划在山路、砂石路等非正常公路驾驶任何车型，请前往我的 账户页面添加四驱越野车保险。

  自走式露营车 / 房车

如果您租的车有内置淋浴和厕所，或者其中一个，请选此项。只要您的租车合同允许，如您计划在山路、砂石路等非正常公路驾驶任何车型，请前往我的账户页面添加四驱越野车保险。
 

 面包车

厢式货车的前排不超过 3 个座位且不带卧铺、淋浴或马桶设施。不需要特殊驾驶执照的非商用厢式货车可以投保。选择“汽车”作为您的车辆类型以投保您的厢式货车。
 

以下提示可帮您避免强行推销，开启安全无忧之旅：

1. 确信您的RentalCover.com保险是有效的

如果租车公司告诉您他们“不能承认”您的RentalCover.com保险，不用担心：您的保险不需要他们的承认！我们的保险是在租车公司保险之外的独立替代品，在世界范围内有效。我们的保险不仅没有隐藏的免责条款，而且比租车公司的保险便宜50%。如果您的租车公司拒绝为您提供租车服务，建议您联系租车预约代理商。

2. 有备无患

请您准备齐全取车所需的文件，阅读贵国的租车指南，对租车门店的流程做到心中有数。

3. 自信十足

您选择投保了一家全额承保的跨国保险经销商，有着创行业记录的闪电理赔速度 - 平均三个工作日内核准理赔。我们创建于2014年，并被我们的客户在消费点评网站TrustPilot.com评为“服务极佳”。

在美国租车？请 阅读此文章以了解适用于美国的特定信息。。您可以随时参阅我们的 租赁指南 以了解更多信息。

碰撞损害险 (CDW)

CDW（以及损失损害险，为 CDW 添加了失窃险）通常包含在网站显示的租金中。请注意，这些“险种”只能帮助您将高额赔偿的风险（接近汽车总价）降至 US$/£/€1500 到 US$/£/€3000 的水平，因车辆及租赁公司而异。降低的金额被称作“超额”，应在发生事故时支付。

“车损盗抢不计免赔” (SCDW) 以及我们的全险

SCDW（亦称“损害责任险” 和其他名称）在租赁服务台处有售，可将超额赔偿降低至 $0（应付金额仍可能高达 US$/£/€500，因不同租赁公司而异，加上其他如管理费、拖车费、使用损失费等费用）。我们的“全险”保单提供同等的保障，同时可节省高达 50% 的费用，在发生事故时无需支付任何金额，还包括租赁公司额外收取的事故相关费用。

大多数全险保单会要求您移除租赁公司的 CDW。

我们知道保险有时候会令人难以理解，尤其是一些保险缩略词！在这份简短的保险术语列表中，我们将为您解读租车门店最常用的一些保险术语：

车辆碰撞险（Collision Damage Waiver，简称CDW）

在您的车辆发生意外事故、盗窃或者损坏时，CDW会保障您免于负担高昂的修理费用。该保险可以豁免您向租车公司全额赔付车辆损坏的维修费用（几乎等同 于该车的全部价值）。根据车型和租车公司的不同，这笔费用可能在之间10，000元到20，000元之间。您可以在RentalCover.com购买额外的保险，将您的自付金额/免赔额降低至0元。

自付金额

自付金额是车辆碰撞险（CDW）赔付车辆损失前，您自己需要支付的最高损失金额。如果您的车在租车期间发生事故，您有责任支付自付金额以内的车损费用，超过自付金额的车损费用则由CDW承担。例 如，您所租的车价值70，000元，而您的自付金额限度是20，000元，如果发生事故，您自己最多需要负担20，000元，剩下的车损费用会由租车公司的保险支付。而RentalCover.com的所有保险都以0自付金额为标准。

车损盗抢险 （Loss Damage Waiver，简称LDW）

该险种与车辆碰撞险（CDW）几乎一样。唯一不同的是，它将在您已有的CDW基础上，额外覆盖车辆被偷被盗、被故意损坏，以及因此造成租车公司可能蒙受的停运损失费。而RentalCover.com的所有保险都以覆盖火灾、盗窃和 故意损坏为标准。

停驶损失费

这是在车辆维修期间，租车顾客需要向租车公司支付的任何因车辆停驶而产生的收入损失。

0自付金额 / 起赔额保险

有时这也叫做自付金额保护险或者自付金额免除险，是一种针对车辆碰撞险的（CDW）的补充保险，您可以在RentalCover.com购买。在您需要索赔时，如果您投保了该保险，我们会负责退还您的所有自付金额， 这样您的自付金额实际只有0元。RentalCover.com的所有保险都以0自付金额为标准。

我们的全球保险专门小组包括AAA级家喻户晓的名字，如下所示。   Astrenska Insurance Ltd, Canopius, Chubb, Intact Insurance, Lloyds, US Fire
  我们的租车指南解释租车流程是怎样运作的。

如果您曾经修改过您的 RentalCover.com保单，或者过去您曾经申请过若干次报价，您可能会注意到现在的保险价格与您当初预订的价格稍有不同。

如果您修改保单后价格变了，有以下几个可能的原因：

1	根据预订时长、地点、淡旺季、租车费等很多其他因素，每日平均价格是常常变化的。
2	保险的风险率由我们的承保公司提供。它们是非常复杂的，也会影响您所看到的价格。

我们能够通过电子邮件的方式以 40 多种语言为世界各地的客户提供更好的支持，虽然我们于近期取消了基于电话的支持。

但是，我们仍然可以为您提供帮助。您可以通过以下链接浏览并查找常见问题的答案，包括：

您还可以方便地管理您的保险，包括更改租赁日期和保单持有人详情，甚至取消投保，如果您的计划有变。登录您的帐户即可完成上述操作。
 

如果您正在阅读本文，那是因为您让我们知道了一个问题。首先，谢谢您通知我们！ 如果是技术问题，我们的技术团队已收到通知。 此后不久，他们在下方添加了一个注释，解决后便删除了该注释。 “技术问题”通常在3-5天内解决。 如果您的问题仍然存在，请回复我们的任何电子邮件，我们会通知您最新情况。

技术问题

已汇报及正在处理当中的技术问题.

经常有人询问我们是否提供下列产品。您可以登录来查看您的保单全文。 简而言之，我们的承保范围包括：

✓ 来自授权租车公司、点对点租赁和汽车共享平台的车辆，例如 Drivy、Getaround、Goget、Turo、Carnextdoor、Zipcar、HiyaCar 等
✓ 意外备用车和向汽车经销商租赁的车辆
✓ 轮椅和其他改装车辆 
✓ 在某些国家还包括休旅车、房车和露营车，如果您的租赁协议允许
✓ 用于在封闭道路上正常行驶的 4x4 四驱车辆
✓ 用于越野的 4x4 四驱车辆（在某些国家），如果您的租赁协议允许。 

我们的承保范围不包括

✗ 美国境内租车人的补充责任保险（SLI，即将出台）。我们的“美国租车指南”中提供关于 SLI 的详细信息。
✗ 驾驶人的人身意外伤害险（PAI），通常由您的旅行保险承保
✗ 年度保单 - 除非您之前购买过我们的年度保单并且希望维持其效力
✗ 第三方责任险 - 详情见您所在国家的租车指南
✗ 私家车或并非来自授权车辆租赁或汽车共享平台的车辆
✗ 座位数量超过 15 个（含驾驶座）的车辆
✗ 商用卡车和其他商用车辆，例如清障车、商用货车、快递卡车、拖车、自卸卡车、垃圾车、运输车、冷藏车 
✗ 需要非标准驾驶执照的车辆
✗ 通过牵引杆牵引拖车、露营拖车、大篷车或其他加装设施的车辆 
✗ 超级跑车、高端跑车、老爷车和外来车辆
✗ 常住国家和目的地国家的某些组合 

在取车之前，您可以随时更改保单持有人。只需登录我的帐户并前往个人资料页面即可。您还可以添加发票上显示的公司名称。
您的 RentalCover.com 保单自动覆盖其他驾驶人。

您随时可以通过帐户中的“个人资料”部分更改或更新保单持有人的个人详细信息。

1.访问我的账户。

2.请登录。此时您需要用于创建初始报价的电子邮件以及以“-INS”结尾的预订单号，您可以从确认电子邮件的主题栏中找到这个编号。

3.从左侧菜单中选择个人资料。从这个页面您可以修改保单持有人的姓名、年龄、地址和联系电子邮件。您还可以添加发票上显示的公司名称。请注意，我们的发票不能用于税务用途，因为我们不收取增值税。 

4.详细信息修改完毕之后请务必点击更新以保存变更。现在，您可以从“我的账户”页面下载修改后的发票了。

您的租期结束之后我们将无法退还您的保费，即使您没有发生事故。

您在购买保单的时候已同意支付一笔不可退还的小额费用作为由我们替您承担较大风险的代价。虽然运气很重要，但有保险更让人放心。

我们存在的意义就是在发生意外的时候为您提供保护。请阅读这篇文章了解您的投保范围。

您随时可以通过登录您的帐户查看保单状态。

1.访问我的账户。

2.请登录。此时您需要用于创建初始报价的电子邮件以及以“-INS”结尾的预订单号，您可以从确认电子邮件的主题栏中找到这个编号。

3.您可以从左侧菜单中看到您的保单状态：

已确认	您的保单已成功购买
报价	您的保单尚未购买
已取消	您的保单不再有效，您将获得退款

我们 RentalCover.com 发送两种类型的电子邮件。新闻资讯电子邮件和报价/交易电子邮件。您可以在下面了解我们如何发送和管理这些电子邮件：

您可以在您的“我的帐户”页面随时更新您的新闻资讯电子邮件首选项。

1.访问我的账户。

2.请登录。此时您需要用于创建初始报价的电子邮件以及以“-INS”结尾的预订单号，您可以从确认电子邮件的主题栏中找到这个编号。

3.从左侧菜单中选择“个人资料”。点击个人资料底部的“取消订阅”按钮，您将不再收到我们的宣传电子邮件。

您可以从“我的账户”页面查看、下载或打印您的保单文本和发票。

1.访问我的账户。

2.请登录。此时您需要用于创建初始报价的电子邮件以及以“-INS”结尾的预订单号，您可以从确认电子邮件的主题栏中找到这个编号。

3.从左侧菜单中选择“个人资料”。点击“保单文本”可阅读您的保单，点击页面右上角的保存图标即可下载您的保单。您还可以选择“查看发票”，系统将自动下载 pdf 格式发票。

您还可以从个人资料页面修改保单持有人的个人信息以及添加显示在发票上的公司名称。

如需查看关于如何修改保单的详细信息请点击此处。

由于保险公司的限制，我们的保单只能为一辆租用车辆投保。唯一例外的情况是租车公司为您更换车辆，这时您持有的保单仍然有效。

如果您的租赁协议允许您在其他国家驾驶车辆，您的保障也仍然有效。

Thank you for contacting RentalCover.com. We can confirm that your message was successfully received.

We can see that your questions has now been answered by a member of our Support team.

Therefore we will now proceed by closing this request, but if you have any other questions please do not hesitate to contact us.

如果您损坏租用车辆而租车公司为您提供了备用车，我们的保单将自动覆盖备用车，只要车型和保单持有人的详细信息保持不变。

The named driver and all additional drivers included on your customer's rental agreement are covered by their RentalCover Protection. There is no need to add any additional drivers to their RentalCover Protection because they are automatically covered free of charge. Encourage them to make sure the named driver's name on their rental agreement matches the name on their RentalCover Protection purchased on RentalCover.

Thinking of visiting other countries on their trip? With the exception of US SLI and CDI which, if collected in the US can only be driven in Canada (except if collected in New York which is restricted to the US), RentalCover Protection includes cover for additional countries as long as the rental vehicle was collected from the named country of pick-up and this is in accordance with the permissions set out in their rental agreement. 

They don't need to inform RentalCover of additional drivers or countries they are visiting but there may be territorial limitations within the RentalCover wording, for instance they would not be permitted to drive in countries that are sanctioned by the relevant country regulator.

Car rental companies will sometimes require you to leave a small security deposit (£/$/€50 to £/$/€150) that's payable via card at pick up, as a security measure in case you damage the car and if you don't purchase the insurance they offer at the rental desk. The deposit is payable if you have RentalCover Protection, however their insurance is double the price of our equivalent in many instances.

For further information about the rental deposit, please contact your booking agent.

Customers can view, download or print their policy wording and invoice from their confirmation email we will send them after purchase.

Some rental companies will request to see proof of purchase and the policy wording before renting a vehicle, so you should encourage your customers to print / save their RentalCover email.

我们请您在首页选择了您的“居住国家/地区”。 



所选国家/地区应与租车协议地址栏所使用的信息保持一致。若两者出于一定原因而不同，您的居住国家/地区则应与驾照上的信息保持一致。 

如果您想要提出索赔，那么这两份文件都需要向我们提供。 

 

If you booked RentalCover Protection through one of our partners' websites, any change to your car rental will be reflected on your RentalCover Protection. If you’ve cancelled your car booking on our partner’s website, your insurance will also automatically be cancelled. 
 
If you’ve received our cancellation email but you didn’t want to cancel our cover, you should verify your car's booking status on the website you booked through. 
 
To repurchase RentalCover Protection, simply log in to your RentalCover Account, using your email and your RentalCover Protection reference number. This is the number which ends with "-INS" that can be found in the subject line of your confirmation email.
 

不同保险公司对年龄要求各不相同。要查看适用于您的限制条件，请查看您的保单。您可以在我的账户页面查阅、下载或打印您的保单。
 

We use cookies to collect and safely store some of your data in compliance with the European GDPR requirements. Here's why and how you can manage it.

Why do we collect your data

We safely collected your personal information when you purchased a RentalCover.com policy for legal and regulatory purposes.

We are legally obliged to pass your information to your insurer, whose details and licences are listed in your policy. This is for regulatory, compliance and claims handling reasons. 

We also collect personal data as outlined in our privacy policy.

How do we look after your data

RentalCover.com uses cookies to store data such as your country of residence and travel dates. 

However you can clear all the cookies we use at any time by following the instructions below, tailored for your browser: 
 

Google Chrome	Mozilla Firefox
Internet Explorer	Safari

To amend your personal information, please login to rentalcover.com/account.

RentalCover.com’s parent company, Cover Genius, is compliant with local privacy and data security regulations and European GDPR regulations in all the countries they operate in. 
 

How long do we store your data for

We have a regulatory obligation to retain information such as policies purchased or claims submitted for our legal records for 7 years to fulfill regulatory obligations in line with Conduct Authority (FCA) UK and Her Majesty's Revenue and Customs (HMRC). This information cannot be deleted. We also retain this information for other jurisdictions based on the statutory requirements of the country where the policy was sold. Please email us for further information.

Your rights

You have the right to lodge a complaint with your national Data Protection Authority (DPA), such as the Information Commissioner’s Office in the UK or another privacy regulator.

US rental companies sell a policy called "Collision Damage Waiver" (CDW) to reduce your contribution to the rental car damage repair bill towards $0. "Supplemental Liability Insurance" (SLI) is also available which tops up the minimum state-mandated liability coverage that comes with the rental.

RentalCover's equivalent plans save you money in these ways:

1. The total price of the rental company's CDW and SLI is up to double the price of equivalent coverage from RentalCover.com.†
2. You may be responsible for a deductible with the rental company's CDW. There is no deductible with RentalCover's equivalent.
3. You may face a significant deductible if you choose to rely on your personal auto plan rather than the rental company's CDW or our equivalent. 
4. Because ours is primary coverage it doesn't impact your ongoing personal auto premiums.
5. CDW from the rental companies may not cover damages such as windshields, lamps, tires, undercarriage and damage-related fees such as loss of use and towing. 

1. 查看您输入的预订单号和电子邮件地址是否正确 - 输入编号的时候很容易出错！您需要输入以“-INS”结尾的预订单号，您可以从确认电子邮件的主题栏中找到这个编号。我们建议您复制粘贴以避免出错。 
2. 如果仍然显示错误消息，请点击“忘记预订单号？”链接。然后请确认您的电子邮件地址，我们将通过电子邮件把您最近的预订单号发送给您，这样您就可以查看预订详情了

If you have accidentally cancelled your RentalCover Protection, the refund has already been processed. However, you can purchase the same protection on RentalCover or click the “repurchase” link in the cancellation email that we sent when you cancelled.

If you purchased RentalCover Protection via one of our partners, it can take between 7 and 21 days for the refund to show on your card statement - please reach out to them directly if there’s a delay. If you purchased via RentalCover the refund is processed immediately however it may take up to 4 days to show.

Sometimes the limits of your RentalCover Protection 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 wording. Login to your RentalCover Account to get started.

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. These vehicles are either advertised as luxury vehicles by the rental company or have a replacement value higher than what's specified in your wording.

Please note depending on the rental company, vehicle types can be defined and categorised differently. To check if your rental car is a luxury, exotic or classic vehicle, please contact your rental company directly.

The restrictions defined in this article may not apply if you purchased Supplemental Liability Insurance (SLI) with us. To check the restrictions specific to your SLI purchase, please view your wording in your RentalCover Account.

This article has more information on what's not covered.

If you are travelling to the USA, it is recommended that you purchase Supplemental Liability Insurance (SLI) in addition to a Collision Damage Waiver (CDW) policy to ensure you’re protected for third-party injury and damage. 

At RentalCover we support our millions of customers via our Help Centre. Should you wish to contact us you can also reply to any of our emails.

When purchasing RentalCover Protection via our website, the vehicle type you select may depend on the configuration of your vehicle and where you’re planning to drive. Please see the list below for a description of each vehicle type.

For specific details on what types of vehicles are covered and not covered, please refer to this helpful article.

  Car

Please select this option if your vehicle has fewer than 10 seats, including the driver’s seat, as well as vehicles with disability modifications. Electric cars are also covered in this category. 

This vehicle type is not covered for driving on unsealed roads. However, SUVs and 4X4 vehicles are covered under “Cars” if you plan to drive on sealed roads. If you’re planning to drive on unsealed roads, please select the 4x4 option instead.

  4x4

Please select this option if you plan to drive on unsealed roads in accordance with the permissions set out in your rental agreement. If you have protection that excludes 4x4 vehicles, you will need to cancel that protection and purchase 4x4 protection instead.

  Campervan

Please select this option if your vehicle has in-built sleeping berths and no in-built shower or toilet. If you’re planning on driving on unsealed roads in accordance with the permissions set out in your rental agreement, add 4x4 protection to your Campervan via your RentalCover Account.

  Motorhome / RV

Please select this option if your vehicle has both in-built sleeping berths and an in-built 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 protection to your Motorhome/RV via your RentalCover Account.

  Minibus

Please select this option if your vehicle has between nine and 14 seats, including the driver’s seat. 

  Caravan 

Please select this option if your vehicle has no more than three seats at the front and no in-built sleeping berths, shower or toilet. We cover caravans that are not for commercial use and don’t need a special license to be driven. 

RentalCover does not have any particular requirements regarding your licence type. As long as your rental company in your pick-up location accepts your driver’s licence, your RentalCover Protection will be valid.

To check if your rental company has any requirements regarding the licence type, we encourage you to contact them directly.

You can purchase RentalCover Protection for different drivers under one RentalCover Account. However, a RentalCover Account can only be under one name and all purchases on that account will be reflected under this name.  

When purchasing RentalCover Protection for different drivers, ensure that you make the purchases under the correct names and download each protection certificate. If you accidentally purchased the protection using the same name, we can update the name on the certificate to reflect the correct driver at any time before your pick-up date. 

The RentalCover Account will only show one name at a time, but when making a claim, we will ask for the protection certificate to see the name of the actual driver on it.

When you purchase RentalCover Protection directly with us, RentalCover does not require the protection to be linked to your rental booking. You don’t need to share your rental booking details with us at the time of purchase, and we’ll only ask for your rental agreement when you make a claim.

Your RentalCover Protection certificate won’t include the Vehicle Identification Number (VIN) as we only need to know the vehicle type of your rental. 

You can view and download your RentalCover Protection documents in your RentalCover Account.

If you’re renting outside the United States (US) and your rental agreement permits it, you can use ferry crossings with your rental vehicle. RentalCover does not have any specific restrictions regarding ferry crossings. 

If you’re renting within the US or purchased US Supplemental Liability Insurance (SLI) and Collision Damage Insurance (CDI), there may be restrictions for travelling to other countries. Please check whether you’ll be crossing borders using the ferry crossing and see your wording for any border restrictions specific to your RentalCover Protection. 

If you have any questions about the details of your rental agreement, please contact your rental company directly.

RentalCover Protection covers you for damages caused by collisions with animals such as elk, deer or moose as long as you haven't breached the terms and conditions of your rental agreement. To check the terms of your rental agreement, please contact your rental company directly.

Please note that RentalCover Protection is subject to the terms and conditions of your rental agreement.

退款金额根据您的RentalCover.com政策，计划在何时开始和您的预订代理（如果您通过我们的合作伙伴之一进行预订）而有所不同。 阅读本文，了解有关如何取消或修改RentalCover.com政策的逐步说明。

您可能还会看到可以在以后的预订中使用的贷方凭证优惠。请阅读本文以获取有关贷方凭证的更多信息。

请按照上述步骤开始操作。 修改订单时时，根据您的RentalCover.com保单以及您的预订代理（如果您通过我们的合作伙伴之一进行预订），退款金额会有所不同。

要取消，延长或缩短您的保险范围，请按照以下步骤操作：

1. 访问 我的账户.

2. 下次登录。 为此，您需要以“ -INS”结尾的预订参考号，该参考号可在确认电子邮件的主题行中找到。

3. 最后，选择您的政策，然后选择“延长/减少保险日期”或“取消”。 如果您是通过合作伙伴预订的，则可能会将您重定向到他们的网站。 否则，我们将处理取消并退款。 如果显示在对帐单上的时间超过4天，请与您的银行联系。

RentalCover.com负责提供租车保险，我们的合作商负责提供租赁车辆。我们与众多汽车租赁公司合作，您可以直接从他们的官网购买我们的保险。

如果您属于这种情况，并且您在租车门店遇到困难，请直接与您的租赁代理商联系取得帮助。

 

如果您的租车保险和租车服务是分开购买的，您可以访问我的账户，在线缩短、延长或者取消您的保险。如需更多指导，请阅读我们的订单取消指南。

请注意您的RentalCover.com保险适用于任何汽车租赁公司的任何车型，具体以租车合同为准。您无需更改您的保险。

好消息是您无需更改您的保险。

您的RentalCover.com保险适用于任何汽车租赁公司的任何车型，具体以租车合同为准。如果您在不同的租赁公司有多份租约，则每份租约需要一份保单。

想要在您的保单中添加额外的驾驶员和国家？了解更多。

您的租车合同中所列的主驾驶员和额外驾驶员，都会由您的RentalCover.com保险提供保障。您无需在保单中添加额外的驾驶员；他们会自动受到保障，无需额外付费。

中途想去别的国家？只要您在指定取车的国家取得车辆，并且一直驾驶该车，您所去的任何其他国家都会由您的保险提供保障(具体以租车合同为准)。

您无需告知RentalCover.com额外的驾驶员信息或者您的跨境计划。

如果您的租约已开始，您发现自己忘记购买保险，别担心，在租赁车辆一个小时前仍可以购买保险。您只需要在主页创建报价。

完成购买之后，您的保险立即生效。详细了解投保天数的计算方法。

敬请注意，由于承保限制，这不适用于在加拿大境内或全球旅行的加拿大居民。

We use cookies to collect and safely store some of your data. Here's why and how you can manage it.

How we look after your data

We take a duty of care when it comes to your personal data. This is why we will never share it with external marketing services. 

We have a regulatory obligation to record information like protection purchased or claims submitted for our legal records for 7 years. This information cannot be deleted.

However, you can manage your personal details at any time from your RentalCover Account. 

I want to clear my cookies and cache

Our website uses cookies to help us process your booking, and include your country of residence and travel dates for example. These cannot be switched off. 

However you can clear all the cookies we use at any time by following the instructions below, tailored for your browser:

• Google Chrome
• Mozilla Firefox
• Internet Explorer
• Safari

If you want to learn more, visit our Privacy Policy page.

RentalCover is predominantly sold through partnerships with travel companies. When choosing our partners we take the time to understand their operations and we provide ongoing training to their customer support teams so they can effectively handle enquiries about our protection alongside car rental and other travel-related questions.

Our partners sell a range of travel products with a variety of cancellation and refund rules. You can log in to your RentalCover Account to make changes to your protection, however, if you require changes to your rental we encourage you to contact your booking agent.

RentalCover客户如果有需要取消或更改保单，我们现正提供额外60％的奖励信用票据（或更多，取决于您的居住地）。该信用额可用于未来3年内的任何保单。

此优惠适用于大多数的RentalCover客户的帐户中。当客户取消保单时，也可以使用。有以下选项：

您可以通过点击右侧的蓝色按钮选择获得信用票据（将获得60%的额外信用额），或者通过单击白色按钮来取消保单。如果您通过合作伙伴取消了保单，您的退款已被处理。

此优惠的条款和条件很简单：

• 我们会在您的帐户中添加一个信用票据，金额为原保费，再加上60％的信用额
• 该信用票据可用作购买RentalCover.com的任何保单。有效期为3年，但不可退还。
• 您的信用票据只能在RentalCover.com上使用，不能与其他优惠同时使用。
• 如果您使用信用票据额购买了保单，然后取消了该保单，则不会再获得额外的信用额。取消的保费将全额退回你的信用票据中，留待您下一次的购物。

If you’d like to update and verify the mobile number associated with your RentalCover Account, please follow the steps below.

• Log in to your RentalCover Account and select “Profile” from the bottom left-hand side menu on your account page.
  
• Enter your new mobile number without the country code. Make sure that you enter the number with no spaces, dashes (-) or additional zeroes.
  
• Click on ‘update number.’ You will then see a pop-up to verify your mobile number.
• Select the country code from the drop-down and request a verification code to be sent to you via SMS. Please note that verification codes can only be sent to mobile numbers and cannot be sent to landline numbers.
• Enter the verification code to verify the mobile number.

When you cancel your RentalCover Protection shortly after the purchase, your refund will be processed as a reversal of the initial charge. The original charge will disappear from your card statement and your bank account balance will adjust accordingly. 

We encourage you to contact your card issuer for an update at any time.

If you’re experiencing any issues with the RentalCover website, the following troubleshooting steps may help resolve the issue:

• Clear your browser’s cache and cookies.
• Try using a different browser.
• Access the website using a different device (e.g. if you’re on a desktop try using a mobile device).
• Check your internet for any connectivity issues.
• Disable any VPN.

If the above steps do not work, please contact us by replying to any of our emails with more details, such as a screenshot of the display or error message.

Please see this helpful article if you’re experiencing payment-related issues.

Depending on the protection type, country of destination and vehicle type, you may be able to increase or decrease your protection limit. 

To see if you can increase or decrease your protection limit, please follow the steps below:

• Log in to your RentalCover Account.
• Select the protection you’d like to adjust the limit for.
• If available, you’ll see a pen icon under “Limit (per trip)”. If you do not see a pen icon, we cannot modify your protection limit.
• Click the pen icon to increase or decrease your protection limit.

Your limit is subject to a minimum and maximum limit, and you won’t be able to increase or decrease your limit past the set limits.

与绝大多数租车公司的报价相比，我们的价格已优惠了约50%。但如果您在其他地方找到了更低价的类似保险，我们非常乐意为您提供同等优惠。您只需将保险信息邮件发送给我们的销售人员，提供对方的报价，我们便会为您提供更优惠的价格。

请注意，我们的比价承诺并不适用于在冰岛租车的客户。
 

很遗憾的是，在您跨境旅行时，几乎所有的转账都会收取手续费。本篇文章我们将与您分享如何避免手续费的几个小技巧。

令大部分旅客意想不到的一笔不菲开销，是租车公司在车辆事故或损坏时可能收取的车损费。这笔费用可能超过20，000元，而国际游客还需额外支付4-5%的信用卡手续费。

 

当您在RentalCover.com申请理赔时，如果您支付的车损赔偿与您收到的最终赔款不一样，往往是以下两个因素导致的。

1. 额外的信用卡手续费：当您在RentalCover.com申请理赔时，尽管我们会将您向租车公司支付的费用退回给您，但是我们不会退回经此产生的任何国际转账费用。

2. 国际转账：我们的付款技术支持您以世界上任何银行收款，而且没有任何额外的手续费。我们不仅免去了通过银行向您付款的手续费，我们还会尽可能得帮您免去您银行的收款手续费（两个转账费用通常是每笔70-140元），我们会在计算汇率时就把这些费用考虑在内，并显示在您最终看到的赔款里。

我们希望本篇文章能使您了解我们为简化支付手续所做的努力，以及如何在跨境旅行时省钱。

如果您发现信用卡账单上有一笔来自 RentalCover.com 的不明费用，可能是因为您通过我们的授权合作伙伴添加了租赁保险，而这笔费用单独收取。我们的合作伙伴名单包含 Rentalcars.com、Booking.com 等等。

您可以直接取消或修改您的保险，只需登录您的 RentalCover.com 帐户即可。

根据您预订的网站，RentalCover.com政策的退款处理时间可能会有所不同。 如果您通过RentalCover.com帐户取消或缩短了保单，退款将在4天内显示在您的对帐单上。 如果您通过我们的合作伙伴取消或缩短了保单，则可能需要7到21天。 如果需要更长的时间，请与您的银行或我们的合作伙伴联系。​
 

您购买保单之后将无法更新付款方式或币种。

如果需要更改付款方式或币种，您在取车之前随时可以通过 RentalCover.com 取消原有保单并重新购买。

请访问我的帐户 开始操作。

我们不时听到租车公司向客户收取并不存在的车损费用，导致最终收费增加或计算错误的情况。如果您遇到这种情况，请就这笔未经授权的交易向您的信用卡发行机构提出“争议”。

为节约您提出争议的时间，请遵循下面的说明：

1.下载我们的信件模板 并填入您的详细信息

2.联系您的信用卡发行机构并使用您的信件就租车公司向您收费的最终交易提出争议。最好不要明确要求退款，否则银行可能会让您直接与租车公司联系退款事宜。我们建议您注明“这笔费用未经授权”，因为您并不认可相关车损

接下来会怎样？您将在 1-2 周内得到答复，并在 3-4 周内收回费用。我们的客户提出此类请求的成功率为 95％，但如果不成功或者在争议解决后您仍有一些超出费用，请点击此处向我们提出在线索赔，我们将尽快审查您的案件。

RentalCover.com 提供多种折扣，包括：

军人折扣

在役军人为度假和公差预订租车保险可享受 30% 的折扣（不适用于美国居民）。要获得折扣代码，您需要将您的军人证拍照发送给我们，或者从您的工作电子邮件地址给我们发送电子邮件并在主题栏注明“兵役”字样。

长者折扣

澳大利亚养老金/老年卡持卡人可享受 30% 折扣。要获得折扣代码，您需要将您的卡片拍照发送给我们。

学生折扣

我们很乐意为学生提供 30% 的折扣，用于下次购买租车保险。要获得折扣代码，您需要将您的学生证拍照发送给我们，或者从 .edu 域名给我们发送电子邮件。

我们始终追求为类似的保险报价提供比价服务。但是请注意，下列情况我们无法提供比价：

租车公司通常会要求您在取车时支付一笔押金，作为您损坏车辆的安全保障措施。

押金的金额通常为 500 £/美元/欧元到 900 £/美元/欧元，最高可能达到 1200 £/美元/欧元，具体视目的地和车型而定。请确保您的信用卡余额足以支付押金加上您的行程中可能产生的其他费用。

您通常需要使用信用卡支付押金，租车公司将扣除或冻结相应的金额。如果车辆没有损坏，还车之后冻结的金额将被解冻，扣除的金额将被退还。  请注意，退款可能需要几天时间才能回到您的账户。

如果车辆损坏，租车公司可能从您的信用卡扣除押金和任何其他金额。

更多有关租车的具体问题，包括退还押金的问询，请联系处理您预订的 合作伙伴 。

1. 请确保您输入的所有详细信息均正确无误，然后重试。
    
2. 如果可能，请使用另一张卡支付。
    
3. 如果问题仍然无法解决，请联系您的银行了解详情。

 

RentalCover does not require you to use the same card as your protection purchase when making a rental booking, or when you need to pay for damages or repair costs. You can also use a card that’s under a different name.

Even though RentalCover does not have any restrictions on which credit card you can use when purchasing protection, your rental company might. Please check with your rental company by contacting them directly.

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. 

Rental companies charge a deposit (or put an amount on hold), to make sure you can pay for damages in case of an accident. 

If you return the vehicle with no damages, the rental company must refund you the deposit. If you return the vehicle with damages, the rental company will charge you, and offer you an invoice. You can then make a claim with us to ask for reimbursement of the damage cost.

Rental companies do not share any information with us regarding deposits made with them. If you have any questions about the refund of your deposit, we encourage you to contact the rental company directly.

RentalCover takes the security and privacy of our customers’ information seriously. To streamline the claim payment process, we provide a secure link through which you can share the bank account details for receiving the approved claim payment. 

When you click the secure link provided in the email, it will direct you to a secure and encrypted web page. 

Our emails are sent from a verified and official domain and will always include the official company logo and branding. Confirm that these elements are present to authenticate the email's source.

Never share your login credentials or any sensitive information with anyone. Our system will only prompt you for the necessary details related to your claim payment.

We process payments quickly and securely by electronic transfer but adding the wrong payment details may cause delays in payment processing.

The most common issues when adding the payment details are:

• Incorrect beneficiary name: Beneficiary name doesn’t match the bank account.
• Incorrect account number or IBAN: Please make sure you are not missing any numbers.
• IBAN does not match the billing country: An IBAN is used in some countries to uniquely identify a customer’s bank account. The IBAN consists of an alphabetical country code, followed by two digits, and then up to thirty five characters for the bank account number. Your IBAN starts with the letters of the country. E.g. a bank account in France will have an IBAN that starts with the letters FR.
• Incorrect SWIFT code: SWIFT code, also known as Bank Identifier Code (BIC) is an 8-11 alphanumeric code used to identify banks and financial institutions globally. Most banks include their SWIFT code in customer account details and on their mobile apps, websites and statements.

If you added the wrong payment details via the secure link we sent with you, please allow time for the payment to fail first.

Once we’ve received a notification from the bank confirming that the payment has failed, we will send you an email with a new secure link for you to resubmit your bank details. Carefully resubmit your bank account details or provide the details of another bank account.