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Rental Car Insurance Options

Insuremyrentalcar.com provides 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 a vehicle overseas.

 

The specific insurance options that are available via the site may vary depending on the country and state in which you are resident, as well as the state in which you plan to rent a vehicle if you are a non-US resident.

 

When you get a quote from Insuremyrentalcar.com, we will only present you with options that are available to you based on the residency information that you provide on the quote form. It is important that you enter your details correctly and carefully to ensure that the rental vehicle insurance options you are presented with are valid for you.

 

To find our more prior to obtaining a quote, please select the relevant section below.

 

Insurance Options for US residents

Insurance Options for Non-US residents

US States of residence for which our product is not currently available for purchase

US States not covered for Non-US residents

Countries of residence from which applications will not be accepted

Daily, Single Trip or Annual Policy?

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 rental cars throughout the US. US residents who purchase a policy are also covered by the policy when they rent a car outside of the US,

The rental car insurance policies available through Insuremyrentalcar.com are currently available for purchase by residents of 45 US States. For more information, see “US States of residence in which our product is not currently available for purchase” below.

US residents can select a Daily, Single Trip or Annual Insurance policy. Annual policies offer the ultimate flexibility for frequent renters as they can be used for multiple trips all year, including overseas. For shorter trips or one-off use, the Daily and Single Trip policies offer great value when compared to coverage offered by rental car agencies. Please note, if you ask for a quote for a daily policy that is more than 3 days. Once the daily rate exceeds the per trip rate based on your elected number of days, the price automatically will default to the per trip rate for the state of election for trips up to 31 days. In most states this happens at 3 days. In certain states this will vary based on the daily rate for that state. in duration we will quote you for a “Single Trip” policy as this is the most cost effective option for rental periods exceeding 3 days.

 

Insurance Options for Non-US residents

Non-US residents can buy a policy from Insuremyrentalcar.com provided they are picking up and dropping off their rental vehicle in one of the 45 states in which we offer coverage.  (For details of the States in which we offer insurance, please see “US States not covered for Non-US residents”.) 

Residents of some countries may not be able to purchase insurance from us. This will usually only be if you reside in a country with which the USA has trade restrictions, sanctions or embargoes. We prevent transactions from these countries in order to compliance with US law. Our country list on the quote form displays permissible countries of residence. If your country of residence is on the list, you can apply for insurance with us.

Non-US residents can buy Daily and Single Trip Insurance. Annual policies are not available to Non-US residents. Our policies only cover Non-US residents while traveling in the USA, they do not offer any coverage to Non-US residents for use outside of the USA in other countries.

 

 

US states of residence for which our product is not currently available for purchase

When you enter your details on the quote form you will be asked to confirm the US State in which you are resident in order to proceed with your quote. This is important as individual US State rules mean that different terms of coverage may be available depending on the State in which you are resident.

When you have entered your US State of residence your insurance options will be loaded into the form. If you are in one of the States where our product is not yet available you will receive a message at this point explaining that we cannot give you a quote. If you are in a US State in which our product is available then you will be able to progress through the form with your available options pre-loaded.

The US States where our policy is not currently available are Florida, Hawaii, Indiana, Massachusetts, Vermont and Washington. Please note, if you are resident in another US state, but plan to rent in Florida, Hawaii, Indiana, Massachusetts, Vermont and Washington, you may still buy a policy because coverage is based on your state of residence.

US states not covered for Non-US residents

Non-US residents may buy a policy for use in any US state with the exception of Florida, Hawaii, Indiana, Massachusetts, Vermont and Washington. In order to buy a policy you must be collecting and dropping off your rental vehicle in one of the states that are covered by the policy. You may use the policy if you are travelling through a state which is not covered, provided your rental starts and terminates in a covered US State.

 

Countries of residence from which applications will not be accepted

If you are unsure whether you can buy insurance from us, please use a quote form to obtain a quote. If your country of residence is not listed in the drop-down menu then unfortunately we cannot accept an application from you at present. If you think that your country of residence is excluded erroneously, please contact us

 

Daily, Single Trip or Annual Policy?

US residents can choose from a Daily, Single Trip or Annual policy. Non-US residents can choose a Daily or a Single Trip policy but cannot choose an Annual rental insurance policy.

The Daily Trip policy is designed for short trips of 3-5 days or fewer and offers up to $100,000 CDW/LDW coverage for the dates selected. This insurance is priced per day of coverage and starts at $9.75.

The Single Trip policy is designed for use with longer single period rental trips. The whole rental period can be covered by one single payment for a single policy that provides coverage for the calendar dates selected.

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 rental period exceeds 60 days. This policy is designed to offer the maximum flexibility and represents great value with one single premium to pay for the whole year. 

When you ask for a quote via the website, we will always aim to present you with the most cost effective solution, for example if you request a quote for a daily policy lasting for more than 4 days we will return a quote for the Single Trip policy as this is more cost effective.

 

Additional coverage options

When you enter your details to obtain a quote, you may be offered additional coverages that you can choose if you wishto add to the coverage provided by your policy. These include options to upgrade to one of our Gold or Platinum packages, to select a Roadside Assistance package or to add a Family Member to your policy. 

The options which are available to you will differ depending on the type of quote you have selected and your location of residence.  The coverage options may be restricted depending on the information you have entered in order to obtain your quote. If you are uncertain of the options that are available to you, please obtain a quote. When your results are displayed you will be presented with the full range of options that are relevant and available to you. At every step there is full information outlining these coverage options and you are not under any obligation to buy. If you get to this stage and no further options are presented, then this means that they are not available for your product and residency combination.

 

Further information

For more information, please visit our Insurance Information Center