How RentalCover Works
RentalCover offers coverage for your travels in a rental vehicle, allowing you to explore with more peace of mind. We allow you to say ‘no’ to hard sells at the rental desk with high-value coverage that provides true protection.
Our protection
What you’re covered for depends on which of our protection products you have.
Collision Damage Waiver (CDW)
Our Collision Damage Waiver (CDW) offers primary coverage, with no deductible for you to pay in the event of a claim. You’re covered for a wide range of incidents in a rental vehicle, including:
- Collision.
- Theft.
- Vandalism.
- Natural disasters.
- Items rental companies often exclude from their coverage, like windshields and tyres.
- Damage-related charges like loss-of-use fees.
- Incidents that occur when any driver lis.ed on the rental agreement is behind the wheel
If you purchase a CDW from us, you have primary coverage for your rental vehicle. Everything you need to be comprehensively protected in your vehicle is included, with the exception of third-party liability coverage.
Supplemental Liability Insurance (SLI)
Our Supplemental Liability Insurance (SLI) provides third-party liability coverage for injuries to other drivers and damage to other people’s property. It can cover medical expenses, costs to repair vehicles or property, and your legal fees.
Third-party liability coverage may be provided by your rental company and automatically included in the price of your rental vehicle. Our SLI works well if you don’t have this coverage from your rental company, or the payout limit on their coverage is low. The coverage limit on our SLI is $1,000,000.
How to get RentalCover protection
Buy a RentalCover protection before your pick-up
Get a quote in under 2 minutes and buy your protection online.
Avoid the upsell at the rental desk
Say ‘no’ to the hard sell for deductible reduction products that cost more.
Quick claim processing
Claims processed quickly with all updates communicated via email.
What if I have another form of insurance?
There are a number of different rental car insurance options available in the United States. Here’s how our coverage compares to them.
Rental car company insurance
Our coverage exceeds your rental company’s CDW, as well as more comprehensive policies known as Super Collision Damage Waivers. Our coverage is 50% cheaper than equivalent coverage from rental companies.†
Your rental company may offer third-party liability coverage built into the price of your rental vehicle. If they don’t, or their coverage has low limits, you can purchase our Supplemental Liability Insurance.
Unlike the coverage offered by your rental car company, there’s nothing to pay in the event of a claim when you have RentalCover protection.
Personal auto insurance
Many personal auto insurers in the United States extend coverage on your personal vehicle to your rental vehicle. This means if you’re covered for collisions but not for theft in your personal car, this will also be the case for your rental vehicle.
The same coverage limits will carry over to rental car insurance. These limits may be too low to properly cover certain vehicles.
When you make a claim for a rental vehicle on your personal auto insurance, you can also impact your personal auto premiums. For these reasons, alternatives like RentalCover are worth considering for hire cars.
Credit card coverage
Credit cards offer secondary rental car insurance. Before your credit card coverage will ‘kick in’, you will have to make a claim on your personal auto insurance first.
This can leave you out-of-pocket for long periods of time, as you have to make claims between multiple different parties.
Credit card rental car insurance often has gaps including windshield and tire coverage.
Frequently asked questions
You can cancel our protection anytime before pick-up for a full refund. You can cancel, extend or shorten your protection by logging into your RentalCover account.
We offer coverage for rental cars, including mini-vans, pickup trucks and sport utility vehicles rented from a rental car agency. We don’t cover 4x4s, motorhomes/RVs, campervans, minibuses and caravans in the United States. We also exclude supercars, high-end sports vehicles, motorcycles or quadbikes.
RentalCover can only be used to cover one rental vehicle. The only exception is if your rental company replaces the vehicle, in which case your existing protection will still work.
Our CDW policy for US residents permits you to drive the vehicle in Canada if it was collected in the US. The same applies for SLI, unless you are a New York resident.
Yes. Our coverage extends to the named driver and all additional drivers listed on the rental agreement.
More questions? Head over to our Help Centre.