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Rental Car Insurance Options

Insuremyrentalcar.com provides rental car insurance in the form of Collision Damage Waiver and Loss Damage Waiver insurance policies for use with rental vehicles in the United States of America. Our policies also provide US residents with coverage when renting vehicles overseas.

The specific rental car insurance options available through Insuremyrentalcar.com may vary depending on the state in which you are resident, or country of which you are resident if you live outside the United States.

When you get a quote, you’ll be presented with options that are available to you based on the residency information you have provided in the quote form. It is important that you enter your details correctly to ensure that the insurance options you are presented with are valid for you.

Insurance Options for US residents

Insurance Options for Non-US residents

Additional coverage options

Further information

Insurance options for US residents

US residents who purchase a policy through Insuremyrentalcar.com will receive up to $100,000.00 CDW (Collision Damage Waiver) and LDW (Loss Damage Waiver) insurance for use with car rentals throughout the US. US residents who purchase a policy are also covered by the policy when they rent a car outside of the US.

US residents can select a daily or annual insurance policy. Annual policies offer ultimate flexibility for frequent renters as they can be used for multiple trips throughout the year, including overseas. For shorter trips or one-off use, daily policies offer great value when compared to coverage offered by rental car agencies.

When applying for cover you’ll be asked to confirm your US State of residence in order to proceed with your quote. This is important as individual US State rules mean that different terms of coverage are available depending on the State in which you are resident.

Our policies are currently unavailable to those who reside in Massachusetts, New York, North Carolina, Rhode Island, South Carolina, Texas, Virginia and Washington.

US residents can choose to buy either a daily or annual policy depending on their rental requirements.

The daily policy offers up to $100,000 CDW/LDW coverage and is available for as little as $6.00 per day.

The annual policy is designed for year-round use and can be used as many times as necessary within a 12-month period, provided that no single car rental period exceeds 31 days. This policy is designed to offer the maximum flexibility and represents great value with one single premium to pay for the whole year.

Insurance Options for Non-US residents

Non-US residents can buy a daily policy for use in any US state, except for Massachusetts, New York, North Carolina, Rhode Island, South Carolina, Texas, Virginia and Washington. Policyholders may use the policy if travelling through a state which is not covered, provided the rental starts and terminates in a covered US State.

Residents of some countries may not be able to purchase insurance from us. If your country of residence is not listed within the quote form drop-down menu, then we’re unfortunately unable to offer you cover. If you think your country of residence is excluded erroneously, please contact us and we’d be happy to look into this further.

Non-US residents can only buy daily policies at present. The daily policy offers up to $100,000 CDW/LDW coverage for the dates selected and coverage starts from as little as $6.00 per day.

Additional coverage options

You may be offered the opportunity to add additional coverages to your policy when obtaining a quote. These options include spouse cover, family cover and breakdown assistance.

The options available to you will differ depending on the type of policy you’re purchasing and your country/state of residence. You’ll be presented with the insurance options available to you upon completing the quote form. Full information outlining these coverage options are available throughout the buying process and you’re not under any obligation to buy them. If you get to this stage and no additional cover options are presented, then they are not available for the product and residency combination you’ve selected.

Further information

For more information, please visit our Insurance Information Center