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Frequently Asked Questions

On this page you'll find answers to the questions we get asked most often. Simply click on a question on the left hand of the page to find the answer. If you can't find what you're looking for, use the "Ask a Question" box to ask us a question via email.

 

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For answers to policy-specific questions, please select a State from one of the drop downs below depending on whether you're a U.S. resident or you're visting from another country.

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Select a FAQ from the list below

How should I answer the "Are you a U.S resident" question when applying for coverage?

U.S. Resident includes all U.S. Citizens. Additionally, Lawful Permanent Resident (LPR) may select U.S. resident when applying for coverage. Lawful Permanent Resident (LPR) means any person not a citizen of the United States who is residing the in the U.S. under legally recognized and lawfully recorded permanent residence as an immigrant. Also known as "Permanent Resident Alien," "Resident Alien Permit Holder," and "Green Card Holder." Any person on temporary travel to the U.S. or foreign national non-immigrant student VISA holders should select no when answering the "Are you a U.S resident" question.

Are there any types of rented automobiles that would not be covered by a policy purchased through Insuremyrentalcar.com?

Rented Automobile means a four wheeled private passenger type motor vehicle with a maximum seating capacity of nine (9), manufactured and designed to travel on public roads and rented from a licensed rental agency. Rented Automobile does not include trucks; recreational vehicles; campers, pick-up trucks; mini-buses; off road vehicles; antiques (over 25 years old or not manufactured for the past 10 or more years); limited edition, exotic, collector, high performance, or high value (see sample policy documents for definition of high value) vehicles.

Is there a difference between CDW and LDW?

CDW (Collision Damage Waiver) and LDW (Loss Damage Waiver) are industry standard terms. The definition of these vary by provider. Some CDW coverage covers theft and other CDW coverage does not. Policies available for purchase on Insuremyrentalcar.com cover direct physical loss (including collision, theft, fire, and vandalism) to a Rented Automobile.

It so happens that Collision Damage Waiver (CDW) is mentioned as the name for the coverage on the website, but on the policy the name of the coverage is called Loss Damage Waiver (LDW).

Do you carry liability?

Unfortunately, we are currently unable to provide third party liability. The insurance available for purchase through Insuremyrentalcar.com covers the rented vehicle only. Most rental car agencies make third party liability available. Please check with your rental agency for terms and pricing.

Do i have coverage in all states of the USA?

If you are a US resident, as long as we provide coverage in the state in which you reside, then you will be insured to drive anywhere in the US that is permitted by the terms of the rental agreement. If you are a Non-US resident, as long as we provide coverage in the state where you are initially staying, then you are permitted to travel anywhere in the US while in a car covered by the rental agreement, provided that travel to such state is permitted by the terms of the rental agreement. If we do not have an insurance policy available for sale in the state in which you reside or the state you are initially staying upon arriving in the U.S., you will not be able to purchase a policy

Can I drive a rental car rented by another person and be covered?

The primary renter is responsible for the rented vehicle. If you drove a car rented to another person, you would need to be listed on the rental contract as an additional driver for coverage to be provided.

Do we cover around the world?

For U.S. residents the insurance available for purchase through Insuremyrentalcar.com covers worldwide, however insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit Federal Insurance Company from providing insurance. For non U.S. residents coverage is only available when traveling in the U.S.

Why should I buy from Insuremyrentalcar.com?

The car rental insurance policies offered by Insuremyrentalcar.com are up to 70%* less than the rental desks.   Collision/ Loss Damage insurance protection in the US can start at $25.99 per day* from a rental agency, however coverage including ZERO deductible from Insuremyrentalcar.com costs $7.50 per day!  What's more, the rental company policies may only provide protection for damage, and also may frequently exclude protection for some of the most vulnerable parts of the vehicle such as roof, undercarriage and wind shield - all of which are covered by your Insuremyrentalcar.com policy.  For longer frequent rental car users, we also provide annual policies that offer great value, starting at $93.99. 

 

* Insurance price comparisons based on a full size car rented from DFW Airport for a one-day weekday rental 8am - 8pm via the internet for 20th December 2013 pick-up. Price quotes attained from AVIS, Hertz, and National Car Rental.  Price Research verified by Halo Insurance Services limited.

What language will I receive my documents?

Your documents will be sent to you via e-mail, in English.

Who is covered under the policy?

The persons insured under the policy depend on which option is elected at the time of purchase. The primary policyholder is always covered for all benefits that have been elected. Additionally, additional drivers noted on the rental agreement in the name of the policyholder are covered automatically for Loss Damage Waiver.


If Family Coverage is elected and an annual policy has been purchased the Spouse of the Policyholder shall receive the same coverage as the primary Policyholder and may rent cars independently.


Dependent children shall be covered for all other benefits elected by the Policyholder other than Loss Damage Waiver. A dependent child could be covered for Loss Damage Waiver as an additional driver if listed on the rental agreement in the name of the policyholder or spouse of the policyholder.


If Family Coverage is elected and a single trip policy has been purchased the Spouse and dependent children of the Policyholder shall be covered for all other benefits elected by the Policyholder other than Loss Damage Waiver. In the case of a single trip policy, a spouse or dependent child could be covered for Loss Damage Waiver as an additional driver if listed on a rental agreement in the name of the policyholder.

What are the driving license requirements of the policy?

US Residents

In order to be insured, you must have a valid drivers license that is accepted by the car rental agency and valid in the state or territory where you are renting the vehicle.  Check the department of motor vehicles in the state where you live to learn more about the requirements.  You can only get a driver's license fromt the state where you live.  Once you receive your U.S. driver's license from a state motor vehicle department, you can drive in all U.S. states.

 

Non-U.S. Residents (short term visitors)

If you plan to rent a car when you visit the United States, check the driving rules in the state(s) you'll be visiting to verify that you can use your Non-U.S. driver's license.  You should get an International Driving Permit (IDP), which translates the information contained on your official driver's license into 10 pages.  The United States does not issue International Driving Permits to foreign visitors, so you will need to obtain this document in your country before you travel to the United States.

 

 

What documents do I need to show the rental company?

Each rental company has its own requirements. Some may ask you to provide proof of insurance, in order for them to rent you a car, and if no such proof is shown, it is not uncommon for them to demand you to purchase insurance from the rental car agency/company. For this reason, we highly recommend that you print your insurance documents, which are sent in the confirmation e-mail, and show them to the rental company.

How quickly can coverage start?

The earliest your policy can incept (begin) is the next day, e.g if today is January 1st, the earliest your policy can incept is January 2nd. Therefore, book in advance to ensure you have insurance on the dates you require.

What information do I need to provide?

In order to purchase a policy with us, we will ask you to provide personal information. These will include; name, address, date-of-birth, contact telephone numbers and e-mail address.

For Non-US residents, we will also require the address where you will initially be staying when arriving in the U.S.  This can be the address of a residence (if visiting family or friends) or of your hotel or rental home.

How will my documents be delivered?

You will receive your documents via e-mail; therefore it is extremely important that the information you provide us during the purchasing process is both accurate and up to date.

Do I have coverage in all states of the USA?

If you are a US resident, as long as we provide coverage in the state in which you reside, then you will be insured to drive anywhere in the US. 

If you are a Non-US resident, as long as we provide coverage in the state where you are initially staying, then you are permitted to travel anywhere in the US while in a car covered by the rental agreement.. 

If we do not have an insurance policy available for sale in the state in which you reside or the state you are initially staying upon arriving in the U.S., you will not be able to purchase a policy.

Is insurance payable on an excess basis? Is there a deductible?

No, this insurance is primary and does not have a deductible.  It covers you up to *$100,000 CDW. You can also upgrade your policy to include personal accident coverage and personal effects coverage, all of which are primary and have no excess/deductible. 

*depending on which state and length of cover you select

I'm traveling to a different state, am I still insured with Insuremyrentalcar.com?

If you are a US resident, as long as we provide coverage in the state in which you reside, then you will be insured to drive anywhere in the US, provided that crossing state boundaries does not conflict with the terms and conditions set out in the rental agreement.  

If you are a Non-US resident, as long as we provide coverage in the state where you are initially staying upon arriving in the U.S., then you are permitted to travel anywhere in the US, provided that crossing state boundaries does not conflict with the terms and conditions set out in the rental agreement. 

 

I'm a Non-US resident; can I purchase Insurance with Insuremyrentalcar.com?

Yes, you can purchase insurance even if you’re not a US resident. However the policy only provides coverage when you are traveling in the U.S. You must provide the address where you are going to be staying upon arrival in the U.S.

How many continuous days am I covered for if I purchase an annual policy?

On an annual policy, you will be covered each time you rent a car, up to a maximum rental period of 60 days.

How many trips does the annual policy cover me for?

You can take unlimited trips during the year with an annual policy, provided that each trip lasts no longer than 60 days.

My credit card has travel insurance including CDW. Do I still need insurance with Insuremyrentalcar.com?

If your credit card includes CDW, it is more than likely that it will be excess of your own personal auto policy, therefore you may still be liable for your standard auto deductible should the vehicle be stolen or damaged. Some personal auto insurance policies may do not cover you for damages incurred while in a rental car; therefore our policy would be suitable in your situation. CDW/ LDW offered through your credit card in many cases also has restrictions on territories, for example outside the US. Read your policy carefully to fully understand what is covered, and whether or not this includes Rental Car Insurance.

What methods of payment does Insuremyrentalcar.com accept?

We accept American Express, VISA (credit and debit) and MasterCard .  We will also be accepting PayPal in the near future, but that is currently in development.

Can the rental company charge money on my credit card in the event of damage/ loss?

It depends on the rental car company. Each has their own policy and loss control procedures that will be outlined in their individual rental agreements. Some companies take an imprint of your credit card, while others reserve against your credit card, a sum equal to the renter’s liability as outlined in the rental agreement.

How much does the policy cost?

We offer rental car insurance to suit various types of travellers. Are you taking multiple rentals this year? Our Annual Policy, starting from $93.99 for year round insurance protection might be the solution. If you only require insurance for up to 31 days, then our Single Trip policy, which starts from $17.50, is a convenient way of covering a single vacation. However, if you are only renting a vehicle for less than four days, then try cover with a Daily Policy from Insuremyrentalcar.com, starting from $7.50 per day. 

 

You can also increase your cover with us by adding any of the following upgrades to your Single Trip or Annual policies; Personal Accident for $6.50 per trip, or our Personal Effects coverage which includes loss or theft of property in a rented vehicle or while in a Hotel/Motel. This costs $4.50 per trip or $19.99 annually. To begin a detailed, personalized quote, please Click Here.

I am an annual policyholder. What happens at renewal?

If you purchase one of our Annual Policies, you will be contacted via e-mail prior to the end date of your current policy. It is very important to keep us updated with your correspondence contact information, as we deliver policy documents and notifications through this format. If you are a current Policyholder and have any changes to your contact information please Click Here to inform us where we need to update your profile. 

What happens if damage caused to the rental vehicle is higher than the CDW sum insured on my policy?

For those who are purchasing our Loss Damage Waiver Policy, in the event your rental vehicle is involved in an incident where the damage exceeds the limit stated in your policy, the policy will only cover you up to the specified amount on your policy schedule and you may have to pay the difference. You may encounter this situation if you are renting a vehicle with a high retail value.  In most states coverage is provided up to $100,000 which is typicaly sufficient to cover losses.

 

Please refer to our Policy Documents if you have any questions about vehicle types and usage. 

Can Non-U.S. Residents buy a policy?

People who are not resident of the USA can buy a policy from Insuremyrentalcar.com provided that the following conditions are met:

  1. The policy is being purchased to cover a single rental period
  2. The Policyholder is initially staying in one of the states where coverage is available.
  3. The policy holder has a legal right to drive in the USA (for example, a full driving licence from their country of origin and an international driving permit)