International Car Rental Insurance: Worldwide Protection for Every Journey
Rental car insurance rules vary by country, so it pays to know what you're covered for. RentalCover protects you in over 220 countries, with nothing to pay on a claim and for about 50% cheaper than what rental companies charge.†
Find out what you need to know about rental car insurance around the world and how RentalCover can protect you.
Products offered by RentalCover
Choose the right protection for your rental vehicle, wherever you travel.
Collision Damage Waiver (CDW)
North America | For rental cars
Primary coverage | Zero deductible
Coverage up to $50,000
Collision, theft, vandalism & natural disaster
Loss of use & rental company charges
All drivers on rental agreement
No personal auto claim needed
Cancel anytime before pick-up
Supplemental Liability Insurance (SLI)
Primary coverage | Zero deductible
Third-party vehicles, property & injury
Liability coverage up to $1,000,000
Damage to other vehicles & property
Bodily injury to others & passengers
Excess over personal auto & umbrella
All drivers on rental agreement
Cancel anytime before pick-up
Full Protection
Rest of The World | For rental cars
Full value of excess cover
Coverage up to $100,000
Covers gaps left by rental CDW
CDW excess charges, even if not your fault
Tyres, windscreens, mirrors & underbody
Key loss, lockout & replacement
Towing, roadside & relocation fees
All drivers on rental agreement
Cancel anytime before pick-up
Zero Excess Rental Cover
Rest of The World | For rental cars, 4x4, motorhome/RV & campervan
Full value of excess cover
Coverage matches your rental excess
Covers gaps left by rental CDW
CDW excess charges, even if not your fault
Tyres, windscreens, mirrors & underbody
Canopies & awning damage
Key loss, lockout & replacement
Towing, roadside & relocation fees
All drivers on rental agreement
Cancel anytime before pick-up
Beat the rental desk price by 50% — for just a few dollars a day!
Get an instant quoteYou're covered. Just say 'no'.
Buy your RentalCover protection before you travel, then confidently decline everything the rental company tries to sell you.
Step 1 - Buy before you go
Get RentalCover protection before your trip for cheaper than at the rental desk.
Step 2 - Say 'no' at the desk
Decline extras, even if they insist you need more. You're already covered.
Take photos of the car
Photograph damage at pick-up and drop-off. Note it on your rental agreement.
What the rental desk might say
"Your online policy won't be accepted here."
→ Not true, they must accept valid third-party cover.
"You'll owe thousands if anything goes wrong."
→ You can claim the excess straight back from RentalCover.
"We need a large hold on your credit card."
→ Completely normal, your protection covers the excess if you claim.
Pressure-selling is illegal. Stay calm and firm. You are never obligated to purchase extras.
See information for popular destinations
What's covered where?
Car rental insurance varies significantly by destination. Find your region below to see what's already in your rental price, and what you may need to add.
United States & Canada
For rental cars
Collision damage waiver
Not in base rental price — purchase separately
Base liability insurance
Sometimes included — check your rental
Supplemental liability
Optional extra, up to $1,000,000 cover
Personal accident insurance
May be available from your rental company
RentalCover policies
CDW & Supplemental Liability available
Europe, Asia Pacific and beyond
For rental cars, 4x4, motorhome/RV and caravan
Collision damage waiver
Automatically included in rental price
Base liability insurance
Automatically included in rental price
Personal accident insurance
May be available from your rental company
RentalCover policies
Full Protection & Zero Excess available
Coverage type glossary
Collision Damage Waivers (CDW)
Transfers the financial risk of vehicle damage from you to the rental company.
Super Collision Damage Waiver (SCDW)
More comprehensive than CDW with fewer exclusions. Often covers excess or deductible.
Liability coverage
Covers injury to others and property damage when you're at fault.
Rental car excess insurance
Covers out-of-pocket excess or deductible costs at claim time.
Personal accident insurance
Medical expenses and accidental death cover for you and your passengers.
What to do in the event of an accident
Collision Damage Waiver
United states and Canada
Step 1
Notify your rental car company of the damage immediately. If the costs are likely to exceed $3,000, please notify us via our claim form as soon as possible.
Step 2
Use our claim form to report all incidents once your rental period is complete.
Step 3
Submit documents including photos, police reports, your rental vehicle agreement and repair invoices. Generally, we resolve damage claims directly with your rental company.
Step 4
Personal accident insurance
May be available from your rental company
Step 5
RentalCover policies
CDW & Supplemental Liability available
Full Protection & Zero Excess Rental Cover
Rest of the world
Step 1
Notify your rental car company of the damage immediately. They will advise you on the next steps. If the costs are likely to exceed $3,000, please notify us via our claim form as soon as possible.
Step 2
Use our claim form to report all incidents once your rental is complete. Have documents like photos, police reports, your rental vehicle agreement and repair invoices ready.
Step 3
We pay 98% of claims within 3 business days. Settlement times may differ.
Step 4
If your rental company provides you with a new vehicle, your RentalCover policy will also cover the new vehicle for the duration of your protection period. To be covered, this vehicle must be a like-for-like exchange with the one you rented. You do not need to notify us of the vehicle exchange.
Trusted by 10+ million of customers worldwide
Frequently asked questions
RentalCover does not offer policies for all countries, but we can cover rental vehicles in over 100 countries.
For vehicles rented outside of the US, you can be protected in other countries you travel to if they are also covered under your rental agreement.
For vehicles rented in the US, you can be covered for travels to Canada. This excludes New York residents.
Insurance from RentalCover is 50% cheaper than equivalent cover from rental companies.† It's also often more comprehensive, making it an easy choice for many customers.
The named driver and all additional drivers included on your rental agreement are covered by RentalCover. Your protection applies as long as the rental vehicle is driven by (or in the possession of) a licensed driver named on the rental agreement.
Your RentalCover policy is linked to your rental agreement. That means if you rent cars in multiple different countries on a single trip, you will need to purchase multiple RentalCover policies to be protected.
We support customers through our Help Centre. You can also contact us directly when you log into your account.
We offer cover for campervan and motorhome rentals in over 100 countries. You can cover these vehicles with our Zero Excess Rental Cover policy, with nothing for you to pay in the event of a claim. We do not offer cover for campervans and motorhomes in the US.
It depends on where you're travelling. Many countries require an IDP if your licence isn't in the local language. You can drive on your domestic licence in most EU/EEA countries, but destinations like Japan, Thailand and parts of South America typically require an IDP. Check the requirements for your destination before you travel.