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If you’re planning on renting a car while traveling, you’ll want to make sure that you’re covered with insurance. Most rental car companies offer some coverage at an extra cost, but these options tend to be expensive. But affordable rental car insurance is out there — it just takes some effort to coordinate.

Many general travel insurance policies offer rental car coverage either as part of their standard plans or as an add-on. Plus, you may have a credit card with rental car insurance already included .

Here's a look at how car rental travel insurance works, what it covers and other options for making sure you’re insured while on the road in a rented car.

Does travel insurance cover car rentals?

Yes, many travel insurance policies include some form of rental car coverage. If it’s not already included in your plan, there may be an option to customize coverage by adding rental car insurance.

Costs vary depending on the overall plan, the coverage limit of the rental car insurance and whether the insurance is primary or secondary.

Primary rental car coverage is the first entity to pay out; "secondary" means the insurance will only cover costs not already paid for by other policies. This is also known as car rental excess insurance, meaning that rental car excess insurance kicks in only after other coverage is exhausted.

If you own a car and have an insurance policy, check if you already have rental car coverage. In the U.S., personal car insurance tends to cover rentals.

» Learn more: Rental car insurance explained

Travel insurance on a rental car

When considering a specific travel insurance policy, comb through its plan documents to see what type of car rental coverage is included.

In general, rental car insurance provided by a travel insurance policy is limited. Unlike a personal car insurance policy or rental car insurance from a credit card, the plan likely won’t cover liability or medical expenses incurred in an accident.

» Learn more: How your credit card has you covered with rental car insurance

Travel insurance policies often offer a collision damage waiver (CDW), which means that the damage your vehicle sustains in an accident will be reimbursed. CDWs may also include coverage for theft.

Some policies exclude specialty vehicles from coverage, while others won’t insure you for cars rented in certain countries.

Of course, it’s also possible to opt for the insurance offered by the rental car company, which can be a hassle-free way to ensure that you don’t end up on the hook in case of an accident.

» Learn more: How to find the best travel insurance

Finding travel insurance with rental car coverage

To find a policy with rental car insurance, head to a travel insurance provider comparison sites like TravelInsurance.com or Squaremouth.

Here's a search on Squaremouth as an example.

First, input your travel information, including when you’re departing, where you’re going, age and state of residence.

Then, the search engine will create a list of all available policies, which can be filtered to those that include rental car insurance.

Note that the terms of each policy can differ, especially how much coverage you’ll receive for a rental car.

» Learn more: Declining rental car insurance abroad? Know the risks

Credit cards that offer travel insurance with rental car coverage

To get rental car insurance while traveling, you may first want to check your credit cards. Many credit cards offer complimentary rental car insurance for bookings charged to that card.

You’ll find this benefit on a variety of cards, including travel credit cards and cash back credit cards. Here are some options:

on Chase's website

on Bilt's website

Primary rental car coverage with reimbursement up to $75,000.

Primary auto damage collision damage waiver. New York residents are eligible only for secondary coverage.

Primary rental car coverage up to the cash value of most rental vehicles.

Primary coverage when renting for business purposes with reimbursement up to the actual cash value of most rental vehicles.

Travel insurance and rental cars recapped

It makes sense to look for a travel insurance policy that also covers a rental car, especially if you’re driving somewhere unfamiliar.

While it’s possible to purchase the insurance plans offered by the rental car company, these tend to be overpriced and overkill for many drivers. Instead, you could consider a travel insurance plan with included rental car coverage, which means you won't have to without needing to make an additional purchase.

Also, check out any personal auto insurance policy you already have to see if it has provisions for rental cars. And before you settle on buying a travel insurance policy, double-check if a credit card you already have offers complimentary rental car insurance.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

85,000 Earn 85,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

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The essential guide to car rental excess insurance

Knowing whether you need to purchase car rental excess insurance is a good start when you decide to rent a car. Making sure you’re protected if there’s an accident is important, but do you need the extra car rental insurance options that are offered when paying for your rental ? The short answer is not always. But let’s find out more.

In this post

What is car rental excess insurance?

How much is the excess you have to pay for your car rental, what is covered by car rental excess insurance, how does it work, do i need a car rental excess insurance, what is the best way to cover rental car excess, the collision damage waiver as an alternative, frequent question about car rental insurance excess.

Car rental excess insurance cover (or supplemental car rental insurance) is a protection plan for a fee that provides coverage for out-of-pocket expenses you may incur if there’s an accident or damage to a car rental . Rental agreements can include an excess amount or high deductible that you are responsible for if a rental car is in an accident, stolen, or damaged.

Car rental excess cover or deductible amounts can vary wildly. Factors include the rental company, the rental car type , the location and the rental agreement terms. Excess amounts are usually outlined in the rental agreement and can range from a few hundred to thousands of dollars.

Depending on the policy’s terms and conditions, the insurance can cover some or all the costs should you get in an accident.

In the U.S., car rental companies will typically offer four types of coverage:

• Liability coverage: This can vary from state to state but it is meant to protect you if you hurt someone or damage property during an accident.
• Collision or loss damage waiver: The waiver helps cover the cost if you damage a rental car.
• Personal effects coverage: This covers personal belongings if they are stolen from a vehicle (though it’s worth noting if you have renters' or homeowners’ insurance, this will typically be covered).
• Personal accident coverage: This covers medical bills if you or your passengers are injured in a car rental accident.

In Europe, rentals nearly always include liability coverage, but not the risk associated with damage to the vehicle itself or theft. Since your personal U.S. auto insurance will not apply in Europe, you will have three main options:

• Buying a collision damage waiver from the car rental company
• Using zero-deductible collision coverage that comes with some credit cards
• Purchasing collision coverage through a travel insurance provider.

This depends. If you have liability and comprehensive insurance for your vehicle, the coverage likely extends to when you are driving a rental car in the U.S. for personal reasons. If you’re traveling abroad, for business purposes, or simply want more coverage, you might need extra rental car insurance.

In Mexico, for example, you must buy extra coverage from a travel insurance provider or a rental car company to satisfy the mandatory insurance requirements .

Other instances where you will want to consider purchasing extra insurance include if you don’t own a car and you rent one occasionally (in this case, you probably don’t have personal auto insurance), or if your personal policy only includes liability insurance and not comprehensive or collision coverage.

One of the best car rental excess insurance options or ways to cover rental car excess is to buy insurance from a third-party company. The price for extra protection insurance can be lower than buying additional coverage from a rental company.

The only downside is that if the car gets damaged, you’ll have to pay the rental company first and then claim it back to your insurance.

Car rental companies typically offer a collision damage waiver when you make an online reservation and again when you pick up the vehicle. When you buy one, the company forfeits the right to charge you for damages to the rental car , but note that CDWs typically don’t cover tire and side mirror damage or damage from “gross negligence,” such as speeding or driving while intoxicated.

Hopefully, we've taken the headache out of the rental car process at home and abroad, and if you're ready to rent a car for your next vacation, we're here to help.

How does KAYAK know what to put in this guide?

I have been traveling the world for over 20 years. I’ve rented cars in Mexico, Italy, France, Ireland, the U.K. and throughout the U.S. Some experiences went smoothly, while others did not, like when I rented a compact manual car and got stuck trying to drive up a steep Tuscan hillside. Through trial and error, I’ve learned when to purchase extra insurance and when not to. Renting a car can be intimidating, but with the help of KAYAK and through my experience and mistakes, I want to help you learn.

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Protect Your Travel!

What Is Rental Car Excess Travel Insurance?

Marie mccarthy.

• February 11, 2024
• Travel Insurance Types

This often-neglected coverage can save you from hefty out-of-pocket expenses in case of accidents or theft while on the road. By investing in this affordable policy, you can enjoy peace of mind knowing that you’re protected against unexpected financial burdens during your travels. Don’t let a minor mishap turn into a major headache – secure your journey with rental car excess travel insurance today.

Key Takeaways

• Understand the basics of rental car insurance to make informed decisions when renting a vehicle.
• Excess coverage is crucial in protecting yourself from high out-of-pocket expenses in case of damage or theft.
• Compare coverage options carefully to ensure you choose the plan that best suits your needs and budget.
• The benefits of excess insurance include peace of mind, financial protection, and avoiding disputes with rental companies.
• Select the right coverage by considering factors like your driving habits, destination, and existing insurance policies.
• Be aware of exclusions in your insurance policy to avoid surprises and understand the extent of your coverage.

Rental Car Insurance Basics

Rental car excess travel insurance covers the additional costs beyond the basic rental vehicle agreement. It serves as a safeguard against unexpected expenses. This insurance is crucial for travelers to protect themselves from financial liabilities.

How It Works

The process of rental car excess travel insurance involves purchasing a policy that complements personal auto insurance policies. When renting a car, if an accident occurs, travelers can claim on this policy to cover the excess amount. For instance, if a traveler damages their rental car and has renters collision insurance, they can file a claim to cover repair costs.

Key steps in utilizing this insurance include understanding coverage limits , reporting incidents promptly, and providing necessary documentation to the insurer. Real-life scenarios demonstrate its effectiveness; for example, when a traveler’s rented vehicle is stolen and their personal car insurance does not cover theft, rental car excess travel insurance steps in to cover the cost.

Key Benefits

• Provides financial protection beyond what personal auto insurance offers.
• Saves money by covering excess charges in case of accidents or damages.
• Offers peace of mind knowing that unexpected expenses during travels are taken care of.

Understanding Excess Coverage

Excess meaning.

“Excess” in rental car insurance refers to the amount a policyholder must pay towards any damage before the insurance coverage kicks in. This is an additional cost beyond the standard insurance coverage offered by rental companies. Understanding excess is crucial for travelers to make informed decisions when selecting an insurance plan.

Standard coverage typically includes basic protection, but it often comes with high excess amounts. On the other hand, excess coverage reduces or eliminates this out-of-pocket expense in case of accidents or damages. By opting for excess coverage, travelers can protect themselves from substantial financial liabilities and unexpected costs associated with rental car incidents.

Investing in rental car excess travel insurance can provide peace of mind and financial security during trips. It ensures that travelers are not burdened with hefty expenses if they encounter any mishaps while using a rented vehicle.

Cost Implications

Not having rental car excess travel insurance can lead to significant financial implications if an accident occurs. Paying out of pocket for damages can be exorbitant compared to being covered by insurance, especially if the damage is extensive. Opting for excess cover helps mitigate these potential high costs and provides a safety net against unforeseen circumstances.

Travelers who rely on their personal auto policies or credit card benefits may face limitations and exclusions. This could result in substantial expenses if they have to bear the full cost of repairs or replacement of a damaged rental vehicle. Rental car excess travel insurance offers comprehensive protection at a fraction of the potential expenses incurred without adequate coverage.

Avoiding High Fees

To avoid high fees related to damages on rented vehicles, travelers should inspect cars thoroughly before driving off, document any existing dents or scratches, and consider purchasing collision damage waivers from rental companies judiciously. Minimizing additional charges involves adhering to traffic rules, parking guidelines, and driving cautiously during the rental period.

Rental car excess travel insurance acts as a safeguard against unexpected fees arising from accidents or damages during trips. It shields travelers from unanticipated financial burdens resulting from incidents like collisions, thefts, or vandalism while using rented vehicles.

By understanding “excess,” evaluating cost implications without adequate coverage, and implementing strategies to avoid high fees associated with rentals, travelers can ensure smooth journeys without worrying about potential financial setbacks.

Coverage Options Compared

Travel insurance.

Travel insurance is crucial for comprehensive protection during trips, covering unforeseen events like cancellations or medical emergencies. Adding rental car collision coverage to a travel insurance plan provides an extra layer of security specifically for rental vehicles. This additional coverage ensures that any damages incurred during the rental period are taken care of without impacting personal finances. Other essential components of travel insurance that complement rental car coverage include lost luggage protection , emergency medical assistance , and trip interruption benefits .

Credit Cards

Credit cards often offer rental car insurance benefits as a perk, providing primary or secondary coverage when renting vehicles. Comparing credit card coverage with standalone rental car excess travel insurance reveals differences in limits, exclusions, and claim processes. While standalone policies may offer more extensive protection, leveraging credit card perks can be a cost-effective way to secure adequate coverage during rentals. It’s essential to understand the terms and conditions of both options to make an informed decision based on individual needs and preferences.

• Cost-effective option for rental car coverage.
• Convenient access to benefits through existing credit card accounts.
• Limited coverage compared to standalone policies.
• Restrictions on types of vehicles covered or rental durations.

Rental Companies

When selecting a rental company for comprehensive coverage acceptance, consider factors such as insurance requirements , coverage limits , and claim processes . Variations in policies regarding third-party rental car insurances among companies can impact the level of protection offered during rentals. Some preferred rental companies work seamlessly with external insurances, ensuring a smooth claims process and minimal out-of-pocket expenses for damages or losses incurred while using their vehicles.

• Reputation and customer reviews.
• Acceptance of external insurance providers.

Benefits of Excess Insurance

Financial protection.

Financial protection is crucialProviding coverage for unexpected accidents. In the unfortunate event of a rental car mishap, having excess insurance can save you from paying out of pocket . Without this coverage, you might end up spending significant extra cash on repairs or replacements.

When traveling, especially in unfamiliar territories, the risk of accidents increases. Having adequate insurance ensures that you are financially prepared for any unforeseen incidents during your journey. Imagine being in a foreign country and experiencing a car accident – having excess insurance can alleviate the financial burden and provide peace of mind.

Stress Reduction

Driving a rented vehicle can be stressful, but with proper insurance coverage like an excess waiver, you can reduce anxiety levels significantly. Knowing that you have comprehensive coverage in place allows you to focus on enjoying your trip rather than worrying about potential damages or accidents. Strategies such as familiarizing yourself with the rental car’s features and driving regulations can further ease any apprehensions.

Feeling secure with comprehensive coverage options not only reduces stress levels but also contributes to overall peace of mind while traveling. The psychological benefits of knowing that you are protected in case of any mishaps cannot be overstated. By investing in excess insurance, you are prioritizing your well-being and ensuring a smoother travel experience.

Coverage Abroad

Obtaining and utilizing rental car excess travel insurance becomes even more critical when traveling internationally due to varying regulations and road conditions. Different countries may have specific requirements or limitations regarding coverage, making it essential to understand these nuances beforehand. When renting a car overseas, ensure that your excess waiver covers both property damage and personal liability.

Navigating language barriers and legal requirements can pose challenges when renting a car abroad; however, having comprehensive excess insurance can mitigate these issues. Understanding the terms and conditions of your policy is crucial to avoid any misunderstandings or gaps in coverage during your international travels.

Choosing the Right Coverage

Comparing policies.

When comparing policies for rental car collision coverage, focus on policy features , limits, and exclusions. Consider the deductibles, coverage amounts, and additional benefits provided by each policy. Create a checklist to assess suitability based on your needs.

Key factors to consider include the cost of coverage , extent of protection offered, and ease of claim procedures. Look for policies with comprehensive coverage that minimize out-of-pocket expenses in case of accidents or damages.

• Allows for tailored selection based on individual requirements.
• Enables comparison to find the most cost-effective option.
• May require thorough research to understand nuances.
• Could involve complex terms and conditions that need careful scrutiny.

Checking Existing Coverage

Before opting for additional insurance, review existing policies to avoid unnecessary costs or duplications. Check if your current auto or travel insurances already cover rental car collision damage.

Ensure there are no overlaps or gaps in coverage when considering supplementary insurances. Verify specific details related to rental car excess coverage within your current policies.

• Review all insurance documents thoroughly.
• Contact insurance providers directly for clarification if needed.
• Keep track of any changes in policy terms that may affect rental car benefits.

Consulting Agents

To make informed decisions about securing suitable plans with rental car coverage, seek advice from licensed agents specializing in insurance products. These experts can provide personalized guidance tailored to your specific needs and preferences.

Agents assist in understanding intricate policy details, including exclusions and claim procedures involved in rental car excess travel insurance plans.

• Access expert advice tailored to individual circumstances.
• Ensure comprehensive understanding of policy terms before making a decision.

Exclusions to Know

Third-party insurance.

When considering third-party insurance , individuals can explore alternative options for comprehensive rental car collision coverage. These options go beyond the conventional offerings from rental agencies or credit cards. Opting for third-party coverage can provide additional benefits and may offer more competitive rates.

In some cases, third-party insurance can be a cost-effective choice compared to traditional providers. By researching and comparing different third-party insurers, travelers can find policies that suit their specific needs and budgets. It’s essential to understand the terms and conditions of these policies thoroughly before making a decision.

Common Exclusions

Understanding common exclusions is crucial. Certain situations or conditions may result in policyholders being excluded from receiving benefits under a standard third-party or standalone policy. For instance, reckless driving, unauthorized use of the vehicle, or driving under the influence of alcohol could invalidate coverage.

It’s vital for travelers to review their policy documents carefully to identify any potential exclusions that may apply to their situation. By being aware of these common exclusions upfront, individuals can take necessary precautions while renting a car and avoid any issues with their insurance coverage down the line.

Coverage for Different Vehicles

Motorcycles.

When renting motorcycles, obtaining adequate protection can be challenging due to limited insurance options available. Insurances may not fully cover damages or theft of rental motorcycles, leaving renters vulnerable.

Considerations unique to motorcycle rentals include the high risk of accidents and theft. Insurance collision deductibles for motorcycles can be higher than for standard vehicles. Riders must ensure that their policy covers motorcycle rentals specifically.

• Limited coverage for motorcycle rentals
• High insurance collision deductibles
• Specific policies needed for motorcycle rentals

Renting recreational vehicles (RVs) comes with specific limitations and requirements regarding insurances. Exotic vehicles such as RVs may have different insurance needs compared to standard cars.

Insurances may have restrictions on using RVs for livery purposes or off-road travel. Roadside assistance and tire damage coverage are crucial considerations when renting RVs. Renters should check if their policy includes these protections.

• Restrictions on livery purposes
• Roadside assistance and tire damage coverage important
• Differences in insurance needs compared to standard cars

Tips for Shopping Insurance

Finding suitable coverage.

It’s crucial to assess individual needs. Research various insurance providers and compare their offerings to find a policy that aligns with your specific travel requirements. Utilize online comparison tools and seek recommendations from fellow travelers or reputable review websites.

Consider the coverage limits provided by different policies and ensure they meet your potential expenses in case of an accident or damage. Look for options that include coverage for various types of vehicles, including luxury cars or campervans, depending on your travel plans. Verify the exclusions listed in each policy to understand what scenarios may not be covered.

• Seek tailored coverage based on your destination and planned activities.
• Compare premiums, deductibles, and additional fees across multiple insurers.
• Evaluate customer reviews and ratings to gauge overall satisfaction levels.

Cost Considerations

Delve into the world of cost considerations when exploring rental car excess travel insurance options. Understand how premiums are calculated based on factors like age, driving experience, destination, and duration of coverage required. Assess the impact of deductibles on out-of-pocket expenses in case of a claim.

Explore ways to potentially reduce costs through discounts offered by insurers for safe driving records or bundling multiple policies together under one provider. Calculate potential savings by opting for higher deductibles but ensure you can afford them if needed during your travels.

• Pros: Savings opportunities through discounts; flexibility in choosing deductible amounts.
• Cons: Higher deductibles may lead to increased immediate costs in case of claims.

Collision Scenarios

Dealing with collisions.

Dealing with collision damage while driving a rental car can be stressful. If an accident occurs, prioritize safety by moving to a safe location and checking for injuries. Contact the local authorities immediately if needed.

After ensuring everyone’s safety, gather essential information such as the other driver’s details and witnesses’ contact information. Take steps to document the scene through photographs or videos for insurance purposes. Notify your rental company promptly about the incident.

In case of damage due to natural disasters like a flood, inform both the rental agency and your insurer about the situation. Understanding how different events can lead to physical damage is crucial in handling post-collision procedures effectively.

Damage Protection Understanding

Understanding various forms of insurance collision coverage is vital when renting a vehicle. Most insurers offer protection against different types of damages, including overhead damage from falling objects or contamination from unforeseen events.

It’s essential to comprehend what each policy covers regarding accidents caused by factors like alcohol intoxication or negligence on your part. Insurers may have specific exclusions related to certain scenarios such as speeding competitions or breakdowns due to freezing temperatures.

Being aware of potential causes of vehicle failure can help you make informed decisions when selecting appropriate coverage options based on your travel needs and destinations.

Hi! Welcome to my website - TravelInsuranceReview (or TIR for short)! My name is Marie McCarthy, and I'm a Texan born and raised. I'm a licensed insurance agent, but I run this blog primarily to share some useful tips I've learned in the space. You can find more on my about page.

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Rental Vehicle Excess cover

• What's covered
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What is Allianz Rental Vehicle Excess cover?

Our Rental Vehicle Excess cover is designed to provide cover towards the excess you’re liable to pay if your hire vehicle is damaged or stolen 1 . It’s included as a standard benefit in all Allianz  Comprehensive ,  Multi-Trip   and  Domestic   Travel Insurance plans.

Allianz Rental Vehicle Excess cover is an alternative to excess reduction products sold by car rental companies. See the Product Disclosure Statement (PDS) for all terms, conditions, exclusions, limits and applicable sub-limits that may apply.

What does it cover?

Rental Vehicle Excess cover 1 is included as a standard benefit in all Allianz Comprehensive , Multi-Trip and Domestic Travel Insurance plans policies at no added cost.

This is a limited summary of some of our Rental Vehicle Excess covers only. Terms, conditions, exclusions, limits and applicable sub-limits apply. For full details and before making a decision, consider the relevant Product Disclosure Statement (PDS) .

• Benefits we offer
• Excess payment If your rental vehicle is involved in an accident while it’s being driven by you and you're the nominated driver, or it’s damaged or stolen while in your custody, we’ll pay you the lesser of (up to your benefit limit) 1 :
• the amount specified that you’re liable to pay under the rental vehicle agreement, or
• the property damage for which you’re liable.

If you’re diagnosed by the treating medical adviser as unfit to return your rental vehicle to the nearest depot, we’ll pay the cost of returning the vehicle (up to the applicable benefit limit). Note: This cover only applies if:

• you hire a rental vehicle from a rental company or agency;
• you’re a nominated driver on the rental vehicle agreement; and
• the rental vehicle agreement specifies a maximum amount that you must pay if the rental vehicle is damaged or stolen. 
• More than just cars Rental vehicle means a campervan/motorhome that does not exceed 4.5 tonnes, a sedan, coupe, hatchback, station-wagon, SUV, four-wheel drive or minibus/people mover, rented from a licensed rental company or agency. Rental vehicle doesn’t include any vehicle other than those listed, irrespective of use or weight.
• All licensed rental companies Your policy covers the excess (up to your benefit limit) 1 charged by any licensed motor vehicle rental company. This includes all the major car hire brands such as Avis , Budget , Enterprise , Europcar , Hertz and Thrifty .

Why choose us?

Thousands of satisfied customers, network of medical experts, emergency assistance available, we’re an established insurer, ready to get started, frequently asked questions.

If you buy an Allianz Travel Insurance policy and select a plan that includes the Rental Vehicle Excess benefit, you can claim in the event you’re required to pay an excess, deductible or damage liability fee to a car rental company if your rental car is accidentally damaged or stolen.

Your policy is designed to cover the excess, deductible or damage liability fee charged by any licensed motor vehicle rental company, up to the benefit limit stated in the Benefits Table in the PDS, including all the major car hire brands. Refer to the Product Disclosure Statement (PDS) for details.

Allianz Comprehensive, Multi-Trip, Domestic and Non-Medical Travel Insurance policies provide a benefit for Rental Vehicle Excess cover as an alternative to paying the car rental company’s increased fees to lower the excess.

You’ll need to assess your requirements and financial situation before buying a policy.

We're here to help

Give us a call, or send us a message, follow us on, *conditions apply.

• Terms, conditions, exclusions, limits and applicable sub-limits apply. Refer to Rental Vehicle Excess in the  Product Disclosure Statement (PDS) for full details.
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Any advice here does not take into account your individual objectives, financial situation or needs. Terms, conditions, exclusions, limits and applicable sub-limits apply. Before making a decision about this insurance, please consider the relevant Product Disclosure Statement (PDS)/Policy Wording and Supplementary PDS (if applicable). Where applicable, the PDS/Policy Wording, Supplementary PDS and Target Market Determination (TMD) for this insurance are available on this website.

Travel Insurance is issued and managed by AWP Australia Pty Ltd ABN 52 097 227 177 AFS Licence No. 245631, trading as Allianz Global Assistance (AGA) as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). Travel Insurance is underwritten by the insurer Allianz. Terms, conditions, exclusions, limits and applicable sub-limits apply.

+ The 10% off Travel Insurance ‘GETAWAY’ discount is available from 09:00am AEST 23/05/2024 until 11:59pm AEST 07/06/2024 by entering the valid promo code. The discount applies to new policy purchases and is based on standard premium rates (including optional extras). It applies automatically upon successful input of the promo code and applies to any changes, upgrades or amendments made to the policy prior to commencement of the journey. The discount may apply to changes made after commencement of the journey, contact Allianz Global Assistance to find out more. Not to be used in conjunction with any other offer.

We don’t provide advice based on any consideration of your objectives, financial situation or needs. Before making a decision, please consider the Product Disclosure Statement available on this website. If you purchase this insurance, AGA will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services on this product.

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Car Hire Excess Insurance

This policy provides a great value alternative to the Collision Damage Waiver offered by the Rental Company. Available to cover just one hire, or on an Annual basis if you rent vehicles more than once a year. Cover is available for residents of most countries worldwide.

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This should be where you are currently living at a residential address for no less than 6 months of the year

• Distances from EU Ports
• Common Motoring Terms

Benefits of Car Hire Excess Insurance

• Covers Car Rental at Home or Abroad Renting a Car on holiday gives you flexibility to explore the area at your own pace. Short-term Car Rental at home may be necessary while your own vehicle is repaired, or for occasional use as part of a car share scheme. Whatever your reasons for hiring a car - make sure you're not left with the bill if the vehicle is damaged or stolen whilst in your care.
• Easy to arrange insurance to suit your needs If you don’t hire often, we offer single hire insurance. Alternatively, if you are likely to hire two or more times a year, Annual multi-trip insurance gives fantastic value and year-round peace of mind.
• Why pay your Rental firm's costly Collision Damage Waiver? Collision Damage Waiver is offered by most Car Rental companies, enabling you to remove or reduce the amount charged for damage to the car. This add-on can be expensive and may not cover all costs, particularly relating to tyres, windows and underbody. Our car hire excess insurance acts in place of CDW, at a much lower price and covering damage to any part of the vehicle
• Protection If your holiday rental car is damaged or stolen, you are usually liable to pay an Excess, or Collision Damage charge. Even if the damage was not your fault, you will be charged.

Is a Car Rental Policy not for You?

Motorhome rental insurance.

Hiring a Motorhome or Campervan? We cover you for excesses charged by the Rental Company following damage or theft of the vehicle, including damage to the vehicle underbody, roof, windows & tyres. Suitable for hires at home or overseas. Max cover £5,000

Van Rental Insurance

Hiring a Van in the UK for short-term, private non-commercial use? Cover the excesses charged by the Rental Company in the event of damage to the vehicle. Option to extend cover to include taking the vehicle to Continental Europe. Max cover £2,500

Need to hire a Car?

If you haven't booked your Car Rental yet, click here for competitive prices! Its easy to book online through Holiday Cars Direct

What to look out for when buying Vehicle Rental Insurance

Pay less for your collision damage cover.

Renting a car while overseas gives you tremendous freedom to explore your destination. But it can be expensive, especially when car rental excess insurance is factored in. Some customers are only offered a collision damage waiver when they collect their car – an often expensive fee that can further stretch the budget.

There’s no denying that a collision damage waiver can give you extra peace of mind – especially on unfamiliar roads overseas – but car rental companies often charge a hefty fee for this important add-on.

Car Hire Excess Insurance from Worldwide Insure gives you all the protection you need in the event of a collision – but for a much lower price. Many holiday makers are becoming wise to the high fees charged by car rental firms for excess cover, which is why buying separate car hire excess cover has become so popular.

Get a quote for low-cost car hire excess insurance above.

• Worldwide Travel Insurance, a specialist in travel insurance and related products, has over 20yrs experience in offering high quality cover at great prices.
• All policies purchased online are emailed immediately - ideal for last-minute bookings.
• Cooling-off Period: You have 14 days following receipt of your documents during which you can obtain a full refund provided that the start date shown on your certificate has not passed and you are not claiming.

A wide range of Insurance Policies to suit your individual needs

Our policies include:, your security with worldwide travel insurance:.

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• Car hire excess versus travel insurance

     Car Hire Excess vs Travel Insurance

It's true, many travel insurance policies do include car hire excess cover, but there are quite a few restrictions to pay attention to. If you're not sure whether you need a standalone excess reduction policy or if travel insurance is enough, we're here to help. Don't feel wooly headed, get geared up and ready to go with our 8 pros of hire car excess.

1. You get more cover

Travel insurance policies typically only cover up to around $6,000, if you’re needing more cover for a camper or fancy set of wheels standalone policies like ours cover up to $8,000.

2. You pay NO excess

3. windscreen, tyres & underbody covered, 4. all are welcome, 5. all drivers included, 6. there are no timing restrictions, 7. there are no distance restrictions, 8. our policies are cheaper for longer, don’t forget, there's no medical cover with domestic travel insurance.

The main reason people purchase travel insurance is because of the medical benefits. However domestic policies generally do not include these.

So what are you waiting for?

You’d be baaarmey not to buy car hire excess with Baaaney instead. A policy with CHE could cost as little as $10* a day and if you do have an accident, no matter if it's to the underbody or tyres, you pay nothing, zero, zilch, nada! Get a quote now! For heaps more handy helpers, check out our rental excess guides.

Further reading

What is car hire excess anyway ?

Going from A to B? Car Hire Excess saves your wallet from a wipeout!  

Avis car hire

Still deciding on your rental company? Learn all about Avis right here.

B udget car hire

Looking for car hire on a budget? Find cheap car hire wth Budget.

Europcar hire car

Heading overseas or around Oz. Europcar's selection of vehicles has you covered.

Thrifty car hire  

Still deciding on your rental company? Learn all about Thrifty right here.

Car Hire Excess

Customer service, other links.

"Car Hire Excess" is a trading name of the Insurance Geeks Pty Ltd ABN 35 612 507 785. The Insurance Geeks is an authorised representative of Coffre-Fort Pty Limited ABN 66 125 358 518, AFS Licence No. 472457. This site contains general guidance only on insurance products available to you. Before you buy a policy, you should consider the Target Market Determination (TMD) and Product Disclosure Document (PDS) in light of your personal circumstances to determine if this product suits your needs. This insurance is underwritten by HDI Global Specialty SE - Australia.

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Is car hire insurance worth it?

Do you need to buy car hire excess insurance over the counter or are there better alternatives to reduce your excess.

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Checked for accuracy by our qualified fact-checkers and verifiers. Find out more about fact-checking at CHOICE .

There's nothing worse than booking a hire car thinking you're getting a pretty good deal, only to find the price has nearly doubled when you go to pick it up.

If this has happened to you, it's probably because the car hire company failed to tell you about the extra charges you have to pay if you want to lower your insurance excess (the amount you're liable for if the car gets damaged).

If you don't fork out the extra cash, they'll charge the full excess in case of an accident. In our examples, this could be as much as $5500. And if the repairs cost less than the excess, you'll just have to trust them to refund the difference to your credit card.

To hire a basic economy car from Sydney Airport for a week from Avis you'll pay a minimum of $120 a day, but to reduce your excess from $5445 to $838 for the same hire, you'll be slugged with an additional $71 a day.

The good news is, there are alternative car hire excess insurance products available that could save you up to $61 a day on your car hire.

On this page:

What are the alternatives to paying the car hire excess waiver?

What's the cheapest way to reduce car hire excess, which hire car excess cover should you choose, what to ask about your car hire excess cover, what to do if you've damaged a hire car vehicle.

Instead of succumbing to the pressure-sale tactics at the car hire counter, you can:

• use the car hire excess cover in a travel insurance policy
• buy a standalone car hire excess insurance policy from a different insurer.

If you're hiring a car for a week, these are both cheaper alternatives to the excess waiver offered by the car hire company. Standalone policies also often have fewer exclusions.

So what's the catch? The alternatives may not be as convenient. If you're in an accident in your rental car, you may have to pay the car hire company for the damages and then claim them back from your chosen insurer.

Below, we compare the daily cost of the car hire excess waiver offered by seven car hire companies (SIXT, Thrifty, Hertz, Avis, Budget and Europcar) against standalone insurance products from: 

• Car Hire Excess
• RentalCover

And the domestic travel insurance products from:

• Travel Insurance Direct .
• Car hire quotes are based on the cheapest car hire options from Sydney Airport.
• The cover level selected for the car hirers is the level that includes excess reduction, windscreen and tyres, since this is covered by all the standalone products we included.
• Travel insurance quotes are for one traveller aged 35 and the default policy excess level offered by the online quote.
• *Excess for Avis and Budget can only be reduced to $838 online. Zero excess is available at the counter.
• **Variable excess level increased to $6000 since the basic excess for most car hires (excluding SIXT) is over $5000.

Standalone car rental excess cover 

This is often the cheapest option for covering your car hire excess, especially for hire periods longer than one day. It also has the advantage of providing extra cover for items over and above what's covered by your car hire contract.

Many of these items aren't typically covered by the default excess waiver that comes with your rental car. Some of the extra items covered include:

• headlights  (covered by RentalCover)
• key loss  (covered by Prosura and RentalCover)
• single vehicle accident  (covered by Car Hire Excess and Prosura)
• tyres  (covered by Car Hire Excess, Prosura and RentalCover)
• underbody  (covered by Car Hire Excess, Prosura and RentalCover)
• windscreen  (covered by Car Hire Excess, Prosura and RentalCover).

*Quotes stated in the comparison table above are for $6000 excess.

Travel insurance

Both domestic and international travel insurance policies often contain cover for hire car excess. If you're travelling overseas, travel insurance is essential , so if you already have good rental car excess cover in your travel insurance policy, you won't need to shell out for additional cover.

If you're travelling in Australia, domestic travel insurance can be useful for cancellation cover for high value trips, or protection of valuables like laptops and ski gear, as well as car hire excess cover. 

There are a few traps to keep in mind when relying on the car hire excess cover included in your travel insurance.

• If you only want cover for car hire excess, domestic travel insurance may be a good option for longer trips, but it can be an expensive option for short trips.
• It's charged on a per person basis, so if you have more than one driver, you'll need insurance for each person. 
• The rental car excess cover in your travel insurance will generally only cover things that are already covered by the car rental company. So for example, if the agreement you have with the car rental company excludes cover for things like tyres and windscreens, then the travel insurance rental excess may not cover those items either.
• We found some domestic travel insurance policies only cover car hire excess up to $5000 but the default excess for most car hire companies we looked at is above $5000.

Credit card travel insurance  doesn't usually cover domestic car hire, but if you're travelling internationally, many offer cover for rental car excess. Depending on the policy, it may only cover the cardholder, and there may be conditions for accessing the cover, such as paying for the car rental on the card.

The car hire company's excess waiver product

The main advantage of forking over the extra cash to the car hire company to lower or completely waive the excess is you only have to deal with one company. All the paperwork is done with the car hire company, and if you've paid to waive the excess altogether, then you don't have to dig into your own pocket at all if you do have an accident.

The car hire company may be friendlier after you've handed over the extra cash, but if you look at the standard excess cover, you could be forgiven for thinking their business model is partly based on getting you to pay extra to bring these alarming excess amounts down.

For more details on the car hire excess cover available from car hire companies, check our  car hire comparison .

It helps to ask the rental agency a few questions before you commit to anything.

What is my excess liability under the rental agreement?

Ask your rental agency how much the excess is for the vehicle you're hiring. This will help you determine how much excess cover you need. Keep in mind that the excess for luxury vehicles and 4WDs is often higher than for standard vehicles. 

Also ask if there are any situations where the excess may be higher, for example for younger drivers or single-vehicle accidents.

If you're considering using a standalone car hire excess insurance product, ask them if they'll cover any of the items that aren't covered by your car rental agency.

What are the exclusions to the cover?

Even if you pay to reduce your excess to zero, either through the car hire company or an alternative provider, you're unlikely to have waived all of your potential expenses. There are usually exclusions to the cover, which means there will be scenarios where you'll have no cover at all (and it's not always possible to buy cover for such scenarios).

Typical exclusions are damage to windscreens and tyres, overhead and underbody damage, and damage to headlights.

When aren't I covered by my car hire excess insurance?

It's fairly standard among rental agencies and alternative third-party providers to hold you fully liable for damages (i.e. beyond the standard excess amount), if it occurs as a result of breaching the contract or as a result of an excluded activity.

Common rental agreement breaches include:

• disobeying road rules or being in contravention of any law
• driving in specified remote areas or outside any town or city limits in Western Australia or the Northern Territory between dusk and dawn
• driving on unsealed roads
• an unauthorised person driving the vehicle
• using the incorrect fuel type
• driving above the snow line during ski season
• driving under the influence of alcohol.

Your expenses in this case may not just be limited to damage done to the vehicle. You could also be held liable for expenses such as  admin and towing fees. I f the car is off the road as a result of damage, you may also be held liable for the loss of income to the rental agency while it's being repaired.

If you're unfortunate enough to have an accident in your rental vehicle, here are a few tips to keep in mind. 

• If there's any damage that needs to be repaired, get an itemised receipt for the cost of repairs. If there is anything suspicious, challenge it. We've heard of cases where rental agencies have added on hundreds of dollars' worth of extra 'miscellaneous fees' in addition to the repair costs. These charges were dropped when challenged.
• While it goes against Australian Consumer Law guidelines, rental agencies sometimes charge the maximum damage excess fee without a repair quote, or place extra charges on your card without first giving you a chance to dispute them. If this happens, you can try seeking a chargeback through your credit card company.

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June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

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Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

The Savvy Traveler's Guide to Overseas Rental Car Insurance

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

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Does travel insurance cover car hire excess?

You can get travel insurance with rental car excess cover, but normally you’ll need to take out a comprehensive policy or upgrade your cover with an add-on..

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In this guide

Travel insurance with rental car excess cover

What does travel insurance with rental car excess cover, travel insurance car rental excess vs waiving my excess, here's a list of travel insurers that cover car hire excess, how nicola avoided paying a $1,400 car rental excess, faqs about travel insurance and rental cars.

Many comprehensive travel insurance policies come with rental car excess cover . If you're involved in an incident and your rental company charges you an excess, you can claim this back with your travel insurance.

If something happens, the rental company will typically charge you the excess amount then you can get reimbursed by your travel insurer. Just make sure you get a copy of the receipt showing the excess amount charged by the rental company.

Rental vehicle excesses range from around $2,000-$8,000. Travel insurance policies differ in how much they cover you for though the minimum for most is $2,000. Some go further than others. For example, Southern Cross Travel Insurance can cover you for up to $10,000.

The car rental excess

If something happens and you need to pay the car rental excess, travel insurance can cover the costs. You can get overseas and domestic travel insurance rental car excess with most comprehensive policies. Some policies cover you for up to $10,000.

Transportation of the vehicle back to the car rental depot

If you suffer an injury or illness during your journey, you may not be in a fit condition to drive your rental car to the nearest depot. When this happens, some insurers will cover the cost of returning the car to the nearest depot, as long as you can obtain written confirmation from your medical adviser that you are unable to drive.

Medical expenses if you get into an accident

If you crash your car and need ambulance transportation, medical treatment, hospital accommodation and even repatriation to Australia, comprehensive travel insurance can cover the costs.

You won't receive any cover if you break an exclusion on your policy – for example, failing to follow the road rules in the country you're in.

Before you sign the rental agreement, car hire companies will offer the option to reduce your excess charge for a daily fee. This is often referred to as an excess waiver or excess reduction option.

Often you'll be able to reduce the excess to zero if you're willing to pay the additional amount. While this may sound like an attractive option, paying a daily fee to reduce your excess can actually work out to be quite costly. A travel insurance policy that includes car rental excess cover is usually a much more cost-effective way to take out financial protection as shown below.

We took a look at a list of our travel insurance partners and found these brands automatically include car rental excess insurance in their policies. If you're hiring a luxury car or just need a higher excess limit in general, consider choosing an option that allows you to increase your excess for an extra premium.

Note: Information last obtained on August 2022 and is subject to change. Make sure you understand the general conditions surrounding car rental excess cover for each policy. The cover amount is for an International trip (comprehensive policy) and domestic trip per single person. For a comprehensive list of the conditions of each policy, please read the product disclosure statement of the policy.

"My policy cost $48... and it came with heaps of extra benefits"

"So, I decided to buy a domestic travel insurance policy, mostly for the rental car excess cover."

Nicola, who was Finder's commercial content editor, paid just $48.96 for her travel insurance policy, a domestic plan with InsureandGo to cover her 10-day break.

"At less than $50 for 10 days, the entire policy was cheaper than the insurance offered by the rental company and it came with heaps of extra benefits," added Nicola.

"Lo and behold, I ended up hitting a wallaby on our drive back from Cradle Mountain. I was devastated that I'd killed it and honestly didn't even give much thought to the cost – the damage seemed pretty minimal and I figured it would be a couple of hundred dollars at most."

"It was not. When we returned the car, I told them that I'd hit an animal and there were some small scratches on the bumper. I was immediately charged the excess of around $2,750. $1,475 of that was considered damage (the rental company charged additional fees including a claims fee and a charge for time off-road), and I was eventually refunded $909.

"As soon as I got home, I filed a claim with the travel insurer and they were great – far better to deal with than the rental company. There were no further shocks or surprises. I had an excess on the travel insurance of $100 but InsureandGo paid out $1,375 within a matter of days ."

What is rental car excess in travel insurance?

Rental car excess cover is included with many comprehensive travel insurance policies. It pays for the excess if your rental car is damaged, stolen or involved in an accident.

Does travel insurance cover motor vehicle accidents?

Travel insurance will indirectly cover you for the costs involved if there's damage or loss to your rental car.

When you hire a car, it usually comes with its own form of insurance called a loss damage waiver or the collision damage waiver. If you get into an accident and damage the car, you'll be charged an excess by the rental company and that's the amount your travel insurance should cover you for.

Am I covered if I injure someone else or cause damage to their car?

Travel insurance policies typically include personal liability cover , but they do not offer protection if you injure someone else or damage someone else's property while driving a rental car .

You can get this cover through the compulsory liability motor vehicle insurance available from the rental company. Most travel insurers include a requirement for your car rental agreement to have third-party liability motor insurance.

Am I covered for medical expenses if I get into an accident?

Travel insurance provides cover for medical costs if you're injured in an accident overseas. If you crash your car and need ambulance transportation, medical treatment, hospital accommodation and even repatriation to Australia, your travel insurer will be able to cover the costs. You won't receive any cover if you break an exclusion on your policy, such as failing to follow the road rules in the country you're in, so make sure you're aware of the exclusions in your policy before you get behind the wheel.

Meet our travel expert Angus Kidman

Angus Kidman is the international editor-at-large at Finder. He's an award-winning journalist, avid travel enthusiast and passionate frequent flyer. Angus appears regularly on Sunrise, Today, The Project, Seven News and other TV and radio shows to share his expert tips.

Angus's top car hire excess tips

• Care hire excess isn't worth it in most cases. Look at what's included in your main travel insurance first.
• If you do want additional cover, a standalone policy bought separately from your car hire is generally always cheaper.
• Make sure you're comfortable with the excess - you'll have to pay that if there is any accident or damage caused.

Gary Ross Hunter

Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full profile

More guides on Finder

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Compare Travel Insurance Direct policies online to save time and money. Travel Insurance Direct offers various policies including Annual multi-trip, The Works, The Basics and Domestic travel.

If time is valuable to you, Travel Insuranz may be suitable for you. With its fast online processing process, Travel Insurance provides easy access to protecting yourself for travel. Read its policy online.

Compare Travel Insurance Saver with other policies to see if they are right for you.

Find out how travel insurance for trip disruption actually works and policies from Australian brands.

Find out how travel insurance covers accidental death and what will be paid from in the event of a claim.

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Learn more about travel insurance brokers, how they are paid and the way they can help you find comprehensive travel cover.

Is travel insurance a worthy investment? Find out why travel insurance is an invaluable travel item.

Guide to high-risk travel insurance: What is and isn't covered.

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Insure your rental car for less

Driving holidays are fun, but whenever I’m behind the wheel of a rental car I always have a certain paranoia that something will happen, resulting in a huge inflated repair charge (online horror stories of people getting 4 figure bills for a small scratch come to mind).

The best solution, as always, is insurance.  Most travel insurance policies do cover some degree of rental car excess,  but to put your mind at ease you might want to consider dedicated rental car insurance.

Rental car companies offer their own insurance packages, but these tend to be very expensive. If you’re traveling in the USA or Canada, for example, you’re looking at forking out an extra US$10-30 a day, which can really add up. In Europe and Australia, you’ll find that insurance is usually included in your rate, but with a high deductible. In those cases, you can buy a separate insurance package from the rental company to reduce that deductible to 0, again at a significant mark up.

That’s where third party rental car insurance comes in. The options can be bewildering at first, but in this article, I want to lay out some of the the options available to those of us resident in Singapore (typically defined as having stayed in Singapore for the past 6 months).

Here’s a summary table to kick us off:

Here are 3 questions to ask when selecting a policy:

• What is my residency?

The first and most important question. Your residency determines the type of plans and coverage available to you. I’ve made the above table with the assumption that you are resident in Singapore (which has nothing to do with citizenship- more about where you’ve stayed the past 6 months). There may be more options if you’re a resident elsewhere.

• How much coverage do I need?

The amount of coverage you require differs depending on the country you’re going to drive in. In Europe and Australia, for example, CDW/LDW is usually already included in your rental cost. This means that what you really need coverage for is the deductible (the amount of the damage you’re liable to pay before the rental company picks up the rest).

In the USA or Canada, however, CDW/LDW is optional. Rejecting it means you’ll need higher coverage because the rental company can go after you for up to and including the total value of the vehicle should the worst happen.

• What kind of provider am I using?

There is a difference between car rental and car sharing. Car rental is what Avis, Budget, Hertz, National, Europcar, Sixt, Thrifty, Dollar, Alamo, Advantage etc offer. Car sharing is what startups like Turo and TravelCar offer, where you rent the vehicle of another individual under a P2P arrangement. With the exception of Rentalcover.com, none of the plans here (or travel insurance plans for that matter) cover car sharing.

Let’s take a closer look at each of the four providers in the table above.

Worldwide Insure (Worldwide)

Worldwide Insure’s  policy is underwritten by Bulstrad Life Vienna Insurance Group.  You can view the full policy wording here .

A few years ago, this was one of the best value plans on the market. In recent times, however, the price has gone up. When I first wrote about Worldwide Insure in 2015, coverage cost roughly GBP 3 per day, with an annual Standard package available for GBP 51 and Deluxe for GBP 59.

Here’s a quote I just pulled from their website:

As you can see above, the daily coverage cost is now about GBP 6 per day, with the Standard and Deluxe packages more than doubling in price. Given the small price difference between Standard and Deluxe and the vast difference in coverage (GBP 5,000 vs GBP 50,000), it really doesn’t make sense to go for the former.

Here are a few other things to note:

• The policy covers you plus up to 4 others named on the rental agreement provided you live at the same address
• If you opt for an annual plan, the cap on your rental duration is 60 days.
• The policy explicitly excludes Iceland
• This policy does not cover cars with a retail price in excess of GBP 50,000
• Unlike other dedicated rental car policies, this one includes personal accident/bodily injury coverage

Rentalcover.com (Worldwide)

Rentalcover.com’s policy is underwritten by Astrenska Insurance . You can find the full policy wording here . Do note that the exact wording may differ depending on which geography you’re renting from, so be sure to check when you’re booking.

Rentalcover.com offers high coverage, at a price to match. You’re really paying for peace of mind though, that no matter how expensive a car you rent you’ll be covered by the policy.

One crucial thing to note about RentalCover.com is that the coverage works differently depending on whether you’re renting in the USA/Canada or outside of it . If you’re renting in the USA/Canada, your maximum coverage is US$5K. You therefore need to opt in for CDW/LDW because this policy is not designed to cover the entire value of the car. If you’re renting outside the USA/Canada, policy coverage is unlimited.

Here’s how customer service puts it:

We would like to inform you that for visitors going to the USA we offer an Extra Cover USA, specifically designed for those customers whose car booking includes a “CDW” or “LDW” policy, the basic insurance.  Although the CDW/LDW of your rental company does not have any deductible (meaning that, you will not have to pay a deductible in case of an accident because the rental company takes over the total value of the vehicle), the drivers could continue to incur significant expenses, costs not contemplated in the LDW. Therefore, this policy covers these possible costs up to a total of US$2,800.00. Please note that this amount is enough to cover any cost that the driver is obliged to pay in addition to the LDW policy (Partial Collision Damage and Theft Coverage). If you want, you can also increase the policy limit up to US$5,050.00 by logging into your RentalCover account.  Our Extra Cover USA in addition to covering any type of damage to the rented vehicle (repair and replacement of windshields, tires, headlights and mirrors etc), includes free assistance on the road and covers damages, costs and other fees that are not included in the LDW policy of your company rental.

• This is the only policy that covers car sharing
• The policy covers any additional drivers named on the rental agreement
• There is no annual plan option, so you will need to buy a new policy every time you rent

Tripcover (Australia)

Tripcover’s policy is underwritten by Allianz . You can view the full policy wording here .

You may have seen another Australia-only policy out there offered by Hiccup; it’s basically the same things as this. These policies can cover Australian residents when they travel overseas, but will only provide coverage in Australia for those of us resident in Singapore. 

• Coverage here comes in 3 flavors, with total coverage of A$4K, $6K or $8K. That may sound lower compared to the coverage limits of the other 3 policies, but remember this is specifically for rental in Australia where insurance comes standard with the car. Ergo, this policy is meant to help you cover some of the excess for which you’d otherwise be liable, rather than the cost of the entire car
• The policy can have two sub-versions depending on what option you pick: either a A$300 deductible or 0 deductible . The price difference is really negligible so I’d just reduce it to 0 if I were you
• This policy will cover any additional drivers named on the rental agreement
• No annual plan is available, so you will need to buy a new policy every time you rent

InsureMyRentalCar

InsureMyRentalCar’s policy is underwritten by Chubb National and ACE American Insurance . You can view the full policy wording here .

There is a small price difference between the Economy and Premium plans, and for the difference I’d much rather take Premium.

• This policy does not cover the following states: Iowa, Kansas, Louisiana, Massachusetts, Montana, New York, North Carolina, North Dakota, Oregon, Rhode Island, South Carolina, Texas, Virginia, Washington and West Virginia.
• But who cares, California’s included!
• I was not able to find age limits in the policy wording. If you have your heart set on this policy you’ll need to contact them to ask

It always makes sense to do some research beforehand on the CDW/LDW options offered by the rental company and compare the costs to what you’d pay with a third party rental car insurance policy. In some cases, you might be more than happy to pay the rental company’s rates (although US$35 a day in the States with Avis seems…excessive).

If not, be sure to check if your travel insurance provides you with the necessary coverage. Most policies cover between S$2-4K of damage, which may or may not suit your needs depending on where you’re heading. Such coverage would be insufficient for travel to the US and Canada, especially if you reject CDW/LDW, but might be ok for Australia or Europe.

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What you need to know about rental car reimbursement coverage

By AAA staff

May 30, 2024

If your car is damaged in an incident covered by insurance, there's a good chance you'll need to rent a vehicle to get around while your car is being repaired or replaced.

Renting a car can be costly, adding up to hundreds or even thousands of dollars depending on how long you need it for.

The good news? Auto insurance offers rental car reimbursement coverage specifically to take this financial burden off your shoulders. What exactly is rental car reimbursement coverage , how does it work, and what does it cover? Let's dive in.

What is rental car reimbursement coverage?

While coverage can vary from one policy or insurance company to the next, the basic idea is that you are compensated for the expense of renting a car when your personal vehicle is being repaired or replaced for a loss covered by your insurance. 

Most insurers require you to carry comprehensive and collision coverage before you can add rental car reimbursement coverage. If you already have those coverages, however, rental car reimbursement coverage is typically a small additional expense for added peace of mind and convenience if your vehicle is damaged in a covered incident. 

Many insurance companies allow you to arrange your rental directly through them, and this is usually the most convenient way to use your coverage, as your insurer can monitor and pay for the rental directly, up to the limits on your coverage. In some situations, you may need to pay for the rental out of your own pocket initially and submit receipts to your insurance company for reimbursement instead. 

What kind of car can you rent under this coverage?

Typically, rental car reimbursement coverage will come with limits on the daily rate of the rental car and the maximum number of days that are covered. For example, your insurer might cover a $40/day rental for up to 30 days. If you need or want a rental that costs more than that, you’ll pay the difference out of pocket. 

There isn't usually a limit on the type of car you can rent with rental reimbursement coverage so long as it falls within your daily limit. Some policies, however, may designate that the rental vehicle needs to be a similar make and/or model as the vehicle involved in the insurance claim. If you have questions about what's included with your rental car reimbursement coverage, be sure to consult with your insurance agent.

How long will your rental car expenses be covered?

Check your auto insurance policy paperwork to find out exactly how long your rental may be covered, as this can vary from one policy to the next. Some rental car reimbursement policies max out at 30 days, while others may include coverage for as long as it takes to repair or replace your car.  

What if another party is at fault?

The nice thing about rental car reimbursement coverage is that it can typically be used to cover the costs of a rental car following a covered claim no matter who is at fault, or if fault has not yet been determined.

If you don’t have rental car reimbursement coverage and another driver is determined to be at fault for the damage to your vehicle, you may be able to pursue reimbursement for your rental expenses directly from the at-fault driver's insurance.  

What's covered vs. what might not be covered?

The best way to find out exactly what's covered by your rental car reimbursement policy is to read your own policy paperwork and declarations carefully, being sure to reach out to your insurance agent with any questions or concerns you may have.

In general, however, rental reimbursement coverage is designed to cover the daily rate of a rental vehicle while your own car is unavailable because of a covered claim, such as a crash. That typically includes taxes and fees as long as they don’t exceed the daily limit on your coverage, but not refueling charges or the tax on refueling charges, or optional add-on insurance you might be offered by the rental car company.

Rental car reimbursement coverage isn’t designed to pay for costs related to renting a car for a vacation or leisure. Likewise, this coverage can’t be used if your vehicle is in the shop for routine maintenance or repairs unrelated to a covered claim.

Is rental car reimbursement coverage the same thing as rental car insurance?

It’s easy to confuse rental car reimbursement coverage with the add-on rental car insurance that car rental companies offer when you rent a car, such as collision damage waivers and excess liability insurance. These are separate types of coverage:

• Rental car reimbursement is a coverage you can elect to carry on your own auto insurance policy in case you need to rent a car while getting your own car fixed or replaced.
• Add-on rental car insurance refers to 4 types of optional coverage you can accept or turn down when you rent a car: collision damage waiver, supplemental liability insurance, personal accident insurance, and personal effects coverage. If you opt for any of them, these short-term coverages only cover you in your rental car for the length of the rental. 

Reporting an auto claim to AAA is fast & easy

Contact us to file a claim on your auto insurance policy through AAA.

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Please Note - If you are cruising around Australia you need to select Pacific. With Regions, variances can apply for Bali, Indonesia, Japan and Middle East. You are not required to enter stop-over countries if your stop-over is less than 48 hours.

If you don’t know where you’re traveling to within the next 12 months, choose Worldwide to ensure you’re covered no matter where you go. If you’re travelling to multiple countries choose the region that you are visiting that is furthest away (excluding stopovers less than 48 hours). In most cases you will be covered for the closer regions as well. For example, if you choose Europe, you will also be covered in the Middle East, Asia and Pacific.

Worldwide means anywhere in the world

Americas means USA, Canada, South America, Latin America, Hawaii and the Caribbean

Europe means all European countries, including UK

Middle East refers to the area from Syria to Yemen; Egypt to Iran

Asia generally means Asia and the Indian subcontinent. For some insurers this excludes Japan*

Pacific means the South West Pacific, Australia and Indonesia/Bali*. Select Pacific for domestic cruises in New Zealand waters

New Zealand means domestic travel within New Zealand only

*Note: Variances apply for Bali, Indonesia, Japan and Middle East. Check that your destination is covered once directed to your chosen insurer’s site.

Save On Car Rental Excess With Travel Insurance

Car hire excess insurance covers the amount you are liable to pay under your rental agreement if your vehicle is damaged, stolen or involved in an accident. You can pay extra with your rental company to reduce the excess however this can often double the cost of your car hire. With excesses ranging from $2,000 - $8,000 depending on your vehicle, it's risky business not getting any cover at all. But don't fret, help is here! We have some nifty options that can save you money and reduce those hefty out of pocket expenses. 

Travel Insurance & Car Hire Excess  | Compare Rental Excess | Reduce with your Rental Company | Standalone Plans  | Cover with your Credit Card   | Top Tips  | FAQs

Travel Insurance & Car Hire Excess  

You may be aware that travel insurance can bail you out of a number of tricky scenarios including injury, illness, luggage theft , trip delay and more. But did you know that some policies will cover your car rental excess as well? Most comprehensive travel insurance policies have a built-in feature on both domestic and international policies so if you are involved in an incident and your rental company charges you an excess, you can claim on your travel insurance to cover this. In the event of an accident, usually, your rental company will charge your credit card with the excess amount and then you'd be reimbursed by your travel insurer. In some cases, your policy would cover the cost of repairing the car if that works out to be cheaper than the excess. In the event of a claim , you must provide a copy of the repair account and/or receipt showing the amount charged to your travel insurer.  

Compare rental excess

Reduce With Your Rental Company:

You can choose to pay an extra daily fee with your rental company to reduce your excess however, this often turns your cheap car hire into a not-so-cheap and affordable rental. If you have forgotten to organise your rental excess insurance this can be a convenient option however be prepared to fork out an extra $25 to $40 a day. By comparison, travel insurance rates are much cheaper on a daily basis and will cover you for a range of additional expenses which means more value for less money. Sounds like a no brainer to us!  

You don't have to be going overseas on holiday to benefit from cheaper car hire excess options. Aussies and visitors to Australia can purchase standalone  car hire excess  cover.  These policies are designed specifically to cover car rental excess. They usually include circumstances that are excluded by the rental company and travel insurance policies such as damage to bumpers and trim, windscreen and tyres, single-vehicle accidents and hitting the poor wildlife crossing the road.

Main benefits of standalone plans:

• All drivers listed on the rental agreement are covered behind the wheel so there's no need to purchase a policy for everyone. That's a bonus!
• Cover for motorhomes and campervans at no extra charge.
• No distance restrictions for domestic journeys (which may apply to travel insurance).
• No price hikes if you've had a history of pre-existing medical conditions.
• Certain companies offer no excess on claims. 
• The longer the hire, the cheaper the daily rate.
• Country of residence is often irrelevant, so whether you're an Australian resident or here to holiday you can take out a standalone plan.

Of course, these purpose-built policies don't come with all the extra travel trimmings of a  travel insurance  policy such as overseas medical, luggage and cancellation so consider your needs carefully before making a decision. 

If you have a premium or rewards credit card, you may automatically get cover for rental vehicle excess insurance. However, it’s important to note that credit card insurance generally isn’t as extensive as travel insurance or standalone policies and a number of terms and conditions usually apply.

Catches to look out for:

• You must have paid for the booking using your credit card to activate the cover.
• Restrictions on the hire period (often no more than 30 days).
• International OR domestic trips are covered, rarely both.
• Only the cardholder is covered to drive the rental vehicle.
• Annual fees and interest rates of your credit card can hike up overall costs.
• Excesses range between $200 - $500 for claims.
• Limitations on coverage will apply such as exclusions for windscreens, tyres and the underbody of your vehicle.

As with all policies, it’s essential that you understand the conditions that come with your cover. You may find that you’re spending in excess of what you would pay for travel insurance or a standalone policy.

Say no to the rental car rip-offs! Kindly refuse the extra charges to 'reduce your rental car excess' at the hire car counter. Buying travel insurance is usually cheaper than paying to reduce your excess at the rental car counter and provides you with a wide range of added benefits such as medical cover, cancellation cover and more.

It’s important to note that rental excess included in travel insurance is not rental vehicle insurance. This is usually included in the daily price of your hire car, or you can often arrange such insurance with your hire car company. You are advised to secure separate insurance for any injuries or damages your use of a hire car may cause to other people and their property.

Keep in mind that if you do have an accident, you will often have to first pay the excess amount you are liable for and then submit a claim to your insurer for reimbursement.

• Always purchase your policy before picking up your rental vehicle.
• Keep a copy of your rental agreement handy.
• Read your rental agreement carefully to make sure you understand any exclusions that apply to your cover. If you’re in breach of your rental agreement you won’t be covered.
• Check the definition of a rental vehicle on your policy to make sure your vehicle is eligible – car-sharing services won’t be covered.
• Look out for extra hidden fees including toll fees, administration fees, credit card surcharges, relocation fees and excess kilometres, to name just a few. 
• If you are involved in an accident and your vehicle is damaged, you’ll need to provide the following documents; a copy of your rental agreement, police or accident report, receipts of charges or repair invoice.
• Make sure you hold the correct licence for your vehicle  
• Take time to research the various car hire excesses across the board. A little extra time  comparing policies  could make a wheel big difference!

Car hire excess Faq'S

Do i still have to take the excess insurance the car hire company are offering.

You don't have to pay extra to reduce your excess as your policy covers the damage waiver fee you would be liable for.

Are windscreens, tyres and the roof covered?

Travel insurance policies mirror the agreement with the rental company so any exclusions also apply to your rental excess cover. Standalone policies often include cover for loss or damage to windscreens, roof, tyres and underbody of the rental vehicle.

Is it cheaper to purchase a standalone policy or travel insurance with car hire excess?

This would depend on the details of your trip. If you only want cover for car hire excess it may be more cost-effective to take out a standalone policy. However, most travel insurance companies include rental vehicle excess cover for free so if you’re already taking out insurance for your trip this may be your best option.

Does an excess still apply to my policy?

Yes, you would still need to pay the excess selected on your travel insurance. However, you can pay to lower your excess to $100, or $0 with most policies. Either way, you’ll save yourself heaps if you were to accidentally damage your rental vehicle.

Are admin fees also covered if I were to have an accident?

No, your policy only covers the rental vehicle excess you would be liable to pay.

I’m riding a motorbike overseas, does this count as a rental vehicle?

You would need to check the definition of a rental vehicle with your insurer however, mostly it covers campervans, motorhomes, sedan, hatchback NOT motorbikes or scooters.

There will be multiple drivers, does everyone have to be included on the policy?

Yes, whoever will be driving the vehicle needs to be listed on your travel insurance policy to make sure they are covered.

How do I claim my rental excess from my insurer?

The hire car company will usually deduct minor repair costs or any excess amount from your credit card. You would then seek remibursement with your insurer. Most insurers offer an easy online claim process via an online portal. You will need to supply supporting documentation such as invoices or receipts from the rental car company.

If I have a crash and can’t drive the car would this be covered?

Most policies will cover up to $500 to return your rental vehicle to the nearest depot if you are unfit to drive. A medical adviser usually has to certify this in writing.

Do I have to disclose pre-existing medical conditions if I’m purchasing travel insurance just for the car hire excess?

If the insurer requires you to disclose any pre-existing conditions, you still have to let them know even if you are taking out a policy just for your car hire.

Which rental companies are covered?

As long as you are hiring a vehicle from a licensed rental company, you can take out travel insurance to cover the rental excess.

Harriet Morton-Fishwick

After completing her psychology degree, Harriet left the UK for her Australian adventure – rafting, paragliding, shark-diving and jumping out of planes – before settling down in Sydney. Harriet has Tier 2 General Insurance General Advice certification and has specialised in travel insurance for the last two years. A foodie who loves learning all about local cuisines, she likes giving customers top travel insurance tips and restaurant recommendations.

Our Travel Insurance Comparision Helps You

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Comparetravelinsurance.com.au is Australia’s leading comparison site solely focused on travel insurance.

Our comparison is a free service that allows users to compare quotes in a few simple steps based on limited personal criteria. Comparisons supplied are not a recommendation or opinion about the suitability of a policy for a user. Comparisons are default ranked according to price and users have the ability to sort by popular cover levels. Whilst we compare a vast range of policies, we do not compare all providers in the market. This site compares the following brands: 1Cover, AllClear, Budget Direct, Downunder, Fast Cover Travel Insurance, Insure4Less, InsureandGo, iTrek, Simply Travel Insurance, Ski-Insurance, Travel Insurance Saver, Travel Insuranz, Wise Traveller, Zoom Travel Insurance . The directors and shareholders are common with companies i-Trek Pty Ltd, Zoom Travel Insurance and 1Cover Pty Ltd including it’s subsidiary brand Ski-insurance. CoverDirect takes all reasonable care when preparing this information but does not warrant its accuracy. Pricing information is supplied by the providers who participate on this site and should be verified with the insurer before you purchase. This site links users to the website of the provider to verify quotes and access the relevant PDS to understand what is, and is not, covered by a policy prior to purchase.

CoverDirect Pty Ltd owns and operates this website under AFS Licence 383590.  Located at Level 12, 338 Pitt Street, Sydney, NSW 2000 Australia.

For further information view our FSG and Terms of Use . Contact us by calling 1300 659 411.

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Where are you going?

Enter the destination(s) you plan to visit or select them from the list of countries and regions in the dropdown.

Planning a stopover? If you’re in a country for less than 72 hours, you do not need to list it as a destination.

Don’t currently know all the countries you’ll be visiting? You can select a region to obtain cover for all countries within that region, or you can select “Anywhere in the world”. Important: If selecting “Anywhere in the world”, your policy will not provide cover for claims arising in countries that are subject to sanctions. Your safety is paramount, so please read and familiarise yourself with the “ Standing Travel Alert for High Risk and Sanctioned Countries ” when undertaking worldwide travel – and before making any side trips to neighbouring countries – to ensure you have adequate cover.

Going on a cruise? If your cruise is in inland Australia (e.g. on the Murray River) or in Australian coastal water (e.g. the Kimberley), enter or select “Australia”. If your cruise embarks and disembarks from Australia ports only without any stopover at a port outside of Australia (e.g. a “Sampler Cruise” or cruise from Sydney to Brisbane), enter or select “Domestic Cruise”. If your cruise is overseas (e.g. a European river cruise, a Caribbean cruise, or a cruise from Sydney to Hong Kong), enter or select the country or region you will spend the most time in during your trip.

Want to come to Australia on our Inbound Plan? Select “Australia Inbound”.

When do you depart?

Enter the date you will leave your home to start your trip.

When do you return?

Enter the date you will arrive home based on AEST (considering any time differences/zones and travel times).

Duration of each trip?

Select the maximum trip duration that best suits your needs.

The maximum trip duration you select will apply to each separate trip you take during the 12-month period of your policy.

For cover to apply, you cannot take trips that exceed this maximum duration. If you make a claim related to a trip that exceeds this maximum duration, it may be declined.

The maximum trip duration you select will be shown on your Certificate of Insurance.

Age of each traveller?

Enter the age (as of today) of each adult and child to be included on the policy.

Protect Your Next Trip with Cover-More

Looking for Cover-More travel insurance online? Discover more about our coverage below.

Our Plans and Policy Types  

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Your Favourite Destinations

Our Cover-More travel insurance plans and policy types

International Comprehensive and Comprehensive+

Our best travel insurance plans for trips that take you across the globe.

International Basic

Our essential cover for overseas medical expenses, personal liability, and luggage insurance.

Inbound Travel Insurance

Our comprehensive international travel insurance for non-residents visiting Australia.

Domestic Comprehensive and Comprehensive+

Our best travel insurance plans for short or long trips within Australia.

Domestic Basic

Our necessary protection for trips that take you anywhere in Australia.

Annual Multi-Trip

Our annual travel insurance offers the convenience of unlimited trips (up to the number of days per trip you choose) on the one policy.

Our top travel insurance benefits and cover options

Cancellation Cover

Spent your hard-earned savings on your holiday? You can choose the cancellation cover amount that suits you and your trip.

Cruise Travel Insurance

Travelling on a cruise? If you tell us you’re staying on a boat outside of Australian coastal waters for two or more nights, you’ll need our Cruise Cover to protect your boating trip.

Motorcycle/Moped Riding Cover

You can add motorcycle/moped travel insurance coverage to your policy if you’re planning on driving or riding on one while on holiday.

Snow Sports Cover

Our option to add travel insurance coverage for skiing, snowboarding, and snowmobiling is ideal for snow holidays.

Adventure Sports Cover

We automatically provide cover for over 40 adventure activities, plus our Adventure Activities Cover option can be added to include even more experiences.

Rental Vehicle Insurance Excess Cover

Planning on hiring a vehicle while you’re away? We can provide cover for your rental car insurance excess in case of a mishap.

Luggage and Travel Documents Cover

Taking important items with you on holiday? We can help protect your valuables while you’re travelling.

Existing Medical Conditions

You can complete an online health assessment to confirm the appropriate travel insurance coverage for you.

Business Cover

Travelling for work? Our Comprehensive+ Plan can protect your business equipment, and provide cover for kidnap and ransom.

Want to know more? See our full range of travel insurance benefits .

Expert assistance when you need it the most

No one wants – or expects – to encounter an emergency situation while travelling overseas. But, sometimes, things can go wrong unexpectedly, no matter how cautious you are during your travels.

If the unthinkable does happen while you're on your trip, we can provide emergency assistance and support to get you back on track.

Here's how we recently helped Australian traveller Irena Caldwell when she unexpectedly became ill during an overseas holiday.

Need travel insurance for one of these popular destinations?

Bali, Indonesia

UK & Europe

New Zealand

How to choose the right Cover-More travel insurance for your trip

Our Cover-More travel insurance plans cover more of what’s important. However, each plan has different benefits and coverage conditions, so please consider your own needs carefully.

Our most comprehensive plans come with the benefits that are most important to you, including:

• Overseas medical expenses
• Overseas emergency dental expenses cover
• Luggage and travel documents cover
• Rental vehicle insurance excess
• 24-hour emergency assistance
• 21-day cooling-off period*

You can compare our Cover-More travel insurance plans side-by-side to find the level of cover and benefits that fit your budget and your journey. When you’re ready, you can get a quick quote online or call us on 1300 72 88 22 to find a policy that best suits your needs.

Reminder: before you consider purchasing our travel insurance, please read the Product Disclosure Statement for our full policy details.

Ready to hit the road?

Find our best travel insurance coverage for you.

* Cooling-off period available when you cancel your policy within 21 days of purchase and you have not made a claim or departed on your journey.        ** You can find a full list of automatically covered conditions on the Product Disclosure Statement (PDS) of your chosen policy.

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American Express Platinum rental car benefits guide 2024

Lee Huffman

Ashley Barnett

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Robin Saks Frankel

Published 5:44 a.m. UTC June 3, 2024

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Frequent travelers know that The Platinum Card® from American Express (terms apply, rates & fees ) is loaded with premium travel benefits and annual statement credits that can justify its large annual fee. The Amex Platinum’s car rental benefits include protection against theft or damage¹ and elite status perks with Avis, Hertz and National Car Rental (enrollment required).

The card’s secondary rental car coverage¹ puts it at a distinct disadvantage to other luxury travel cards that include primary rental car insurance. However, Amex cardholders can also opt for primary rental car protection for a flat fee under $25 that’s only charged once per rental period (price varies depending on coverage selection and location).

When the annual fee can be worth it: Here’s how this card holder gets every penny back from the annual fee on their Amex Platinum

Amex Platinum Card overview

The American Express Platinum Card includes a variety of premium travel benefits for luxury travelers. In exchange for its $695 annual fee, you receive more than $1,500 in value, such as annual statement credits, airport lounge access, complimentary elite status and more. Here are a few of the major perks included with this card:

• Welcome bonus: 80,000 Membership Rewards® Points after spending $8,000 on eligible purchases in the first six months of card membership.
• Earn high rewards in several areas: 5 Membership Rewards® points per $1 for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per $1 on prepaid hotels booked with American Express Travel and 1 point per $1 on other purchases.
• Flexible redemption options: Membership Rewards points have numerous redemption options, including booking travel, cash back (via statement credit), gift cards, online shopping and more. Plus, Amex partners with nearly two dozen airlines and hotels, so you can transfer points to book award reservations through those loyalty programs.
• Global Lounge Collection: Complimentary access to more than 1,400 airport lounges from American Express, Priority Pass (enrollment required) and more.
• Travel protections: Your trips are covered against delay², cancellation and interruption³ when using your Amex Platinum to book your reservations.

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The Platinum Card® from American Express

Welcome bonus

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s take

• Over $1,500 in travel and entertainment credits can offset the annual fee.
• Comprehensive lounge access benefit.
• Generous travel and purchase protections.
• High annual fee and spending requirements.
• Amex’s once-per-lifetime rule limits welcome bonus eligibility.
• Annual statement credits have limited use.

Card details

• Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.
• Terms Apply.

How does Amex Platinum car rental insurance work?

To receive Amex Platinum car rental insurance¹ on your reservation, you must use your card to pay for the entire rental and decline the rental company’s coverage options. This coverage also applies when redeeming Membership Rewards points to pay for some or all of the reservation.

Rental car protection¹ covers Amex Platinum cardholders, their spouse or domestic partner and any authorized drivers.

Rental car elite status

As an Amex Platinum cardholder, you and your authorized Platinum Card users receive complimentary elite status from three major rental car companies. Each program requires manual activation of these benefits, and you must use the special code when booking a rental car to receive benefits like free upgrades and discounts.

Avis Preferred

When you enroll with Avis Preferred, you’ll receive Avis Preferred Plus status. This status level includes a complimentary upgrade (when available) and additional Avis Preferred points on your reservations. To receive discounts on your rental, use your Platinum AWD discount code “A756900” and pay with your Amex Platinum Card. 

Plus, you’ll receive a free weekend offer after completing two qualifying Avis rentals in the U.S., Puerto Rico or the U.S. Virgin Islands within the following promotional period: January 1 – June 30 or July 1 – December 31. Terms and conditions apply.

Hertz Gold Plus Rewards

Amex cardholders receive complimentary Hertz President’s Circle status with Hertz Gold Plus Rewards. As a President’s Circle member, you’ll receive a discount on the base rate, a 4-hour grace period on returns within the U.S. and guaranteed car-class upgrades on certain classes of vehicles (with at least a 24-hour advance reservation). 

You’ll receive these benefits when paying with your Amex Platinum Card and using the Amex Corporate Discount Code (CDP) “211762” on your reservation.

National Car Rental Emerald Club

When you activate benefits with National Car Rental Emerald Club, you’ll receive complimentary Executive tier status. You can choose any car within the Executive Selection area and receive automatic upgrades when a full-size through luxury car is reserved. Plus, after six qualifying rentals, you’ll receive a complimentary rental day. You can also choose to receive airline miles or hotel points from one of National’s partners on your reservations.

What does Amex car rental insurance cover?

When using your Amex Platinum car rental benefits, your rental car is insured for up to 30 consecutive days per rental agreement. Eligible vehicles are covered up to $75,000 against damage or theft of the vehicle.¹

Additionally, this protection covers you for other charges beyond vehicle damage. Rental car companies may charge drivers for loss of rental vehicle use, towing charges, appraisal fees, storage, administrative fees and more. The American Express Platinum card covers all of these costs.¹

These benefits also include accidental death and dismemberment coverage up to $300,000, accidental injury coverage up to $300,000 and personal property coverage up to $2,000.¹

What it doesn’t cover

Although the most exclusive cards, like American Express, are known for excellent customer service and generous benefits, the Amex Platinum car rental insurance¹ doesn’t cover every situation or claim. There are numerous exceptions where you won’t be covered against loss. Here are a few of the situations not covered by your Amex car rental coverage that may apply to your next rental car reservation.

• Vehicles rented in Australia, Italy or New Zealand.
• Illegal activity by the renter.
• Driving while intoxicated or under the influence of drugs.
• Off-road operation of the vehicle.
• Intentional damage by the renter.
• Normal wear and tear.
• Theft or damage to an unlocked vehicle.
• Cargo vans, box trucks or vans with seating capacity for more than eight passengers.
• Using the vehicle for commercial or “for hire” purposes.
• Off-road vehicles, motorcycles, mopeds or recreational vehicles.

Additionally, these car rental benefits only apply to theft or damage to the rental car. This insurance does not cover damage to other vehicles or property. Nor does it cover injuries to passengers, other drivers or pedestrians.¹

How to file a claim for Amex Platinum rental car insurance

If your rental car experiences damage or theft during your rental period, you’ll need to file a claim . Since the Amex Platinum car rental benefits provide secondary coverage ¹, you must also involve your auto insurance carrier unless you paid the additional fee to make the insurance primary.

• Start your claim within 30 days of the loss or as soon as reasonably possible. You can call (800) 338-1670 or go online at americanexpress.com/protectionbenefits . If you’re outside the U.S., call collect at (303) 273-6497.
• Claim forms will be sent to the Amex Platinum Card customer after starting your claim. If you haven’t received these forms within 15 days, you can submit your own written statement with the details of your claim.
• Submit your claim forms and proof of loss within sixty days. Required documents vary by situation, but may include an itemized repair bill and copies of the rental agreement, the charge slip for the rental, your auto insurance coverage, your driver’s license and a police report (if applicable).
• Claims for benefits are typically paid within 30 days of receipt of all requested documents supporting your proof of loss.

Amex Premium car rental protection

Although the Amex Platinum car rental benefits include secondary coverage¹, many travelers want a higher level of protection. 

Amex Premium Car Rental Protection has two coverage options that offer primary rental car insurance. Depending on which coverage level you select, you’ll pay either $19.95 or $24.95 per rental period. This is one flat fee per rental, not a daily charge. California and Florida residents receive this coverage for a lower price.

This coverage provides insurance against damage or theft of your rental car for up to 42 consecutive days (up to 30 consecutive days for Washington State card members). It does not include liability coverage for injuries to others or property damage. Coverage is worldwide, except for Australia, Ireland, Israel, Italy, Jamaica and New Zealand.

This optional insurance can provide huge savings over the daily rental insurance fees charged by rental car companies.

Other Amex cards that offer rental car insurance

If you don’t have an Amex Platinum, other American Express cards include secondary rental car insurance¹ benefits at no extra charge, including (terms apply):

• American Express® Gold Card
• Amex EveryDay® Credit Card * The information for the Amex EveryDay® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
• The Blue Business® Plus Credit Card from American Express * The information for the The Blue Business® Plus Credit Card from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
• Delta SkyMiles® Platinum American Express Card
• Hilton Honors American Express Surpass® Card
• Marriott Bonvoy Brilliant® American Express® Card
• Marriott Bonvoy Bevy™ American Express® Card

All information about Amex EveryDay® Credit Card and The Blue Business® Plus Credit Card from American Express has been collected independently by Blueprint.

Additional Amex Platinum benefits worth noting for your next trip

The American Express Platinum Card is loaded with benefits beyond rental cars that may also be useful for your next trip. Here are a few benefits you should know about. Enrollment is required for select benefits.

$200 hotel statement credit

Save money with an annual hotel statement credit from the Amex Platinum Card. Get up to $200 back via statement credit for prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel (The Hotel Collection requires a minimum two-night stay). These programs also include benefits like a welcome gift, complimentary upgrades when available and more.

Marriott Bonvoy and Hilton Honors Gold elite status

Link your Marriott and Hilton hotel loyalty program accounts to your Amex Platinum Card to receive complimentary Gold elite status in both Marriott Bonvoy and Hilton Honors. These benefits provide higher earning power on paid stays and generous benefits when staying at participating hotels.

Trip delay, cancellation and interruption insurance

When booking a trip with the Amex Platinum Card, you’re covered if your trip is delayed, canceled or interrupted. Trip delay insurance² covers eligible expenses up to $500 per trip when your flight is delayed more than six hours. Trip cancellation and interruption insurance³ reimburses you for prepaid, non-refundable reservations up to $10,000 per trip that are affected for a covered reason.

Amex Offers

Before booking your rental car, check out your card’s Amex Offers . These limited-time offers may provide special incentives for rental car reservations. Depending on your card’s profile, you may receive bonus points, discounts or statement credits when booking your car. Enrollment is required.

Frequently asked questions (FAQs)

Yes, the Amex Platinum Card includes secondary rental car insurance¹ at no extra charge. Use your card to pay for the entire reservation to be protected against theft or damage to the vehicle.

If your lender accepts credit card payments, you can use your Amex Platinum to make your monthly payment. However, if they do accept credit card payments, lenders typically charge a fee to cover credit card transaction costs. Contact your lender to ask if they accept credit card payments and what fees they charge.

Another option is to use a balance transfer or convenience check to make your payment. If you choose this option, be sure to understand the fees and interest rate associated with the checks.

The Amex Platinum car rental benefits¹ are the best of any Amex card. While the rental car protection offered by eligible Amex cards is essentially the same, the Amex Platinum Card includes additional perks that make it the most valuable choice. These benefits include rental car elite status, travel protections and generous hotel benefits.

The Amex Platinum car rental protection is secondary.¹ However, you can upgrade to primary coverage through Amex’s Premium Car Rental Protection for one flat fee per reservation (varies based on coverage selection and location). If you choose this option, it means that you don’t have to involve your personal auto insurance policy when making an eligible claim for theft or damage of a rental car.

To learn about your credit card benefits, contact customer service, read your card’s Guide to Benefits or review the card’s marketing page. When searching for your benefits, note whether the coverage is primary or secondary and if any exclusions apply to your rental.

Yes, authorized users, spouse or domestic partners and eligible authorized drivers are covered against theft or damage when using the Amex Platinum car rental benefits.¹ To receive coverage, your Amex Platinum Card or Membership Rewards points must pay for the entire reservation.

For rates and fees for The Platinum Card® from American Express please visit this page .

¹Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

²Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

³The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

*The information for the Amex EveryDay® Credit Card and The Blue Business® Plus Credit Card from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Lee Huffman spent 18 years in banking and investments and now uses that insider knowledge to write about credit cards, travel, and other personal finance topics. Lee enjoys showing people how to travel more, spend less, and live better through the power of travel rewards. You can connect with him at BaldThoughts.com.

Ashley Barnett has been writing and editing personal finance articles for the internet since 2008. Before editing for USA TODAY Blueprint, she was the Content Director for an international media company leading the content on their suite of personal finance sites. She lives in Phoenix, AZ where you can find her rereading Harry Potter for the 100th time.

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

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CarInsurent Releases Essential Guide: Top Tips for Rental Car Insurance in Australia

CarInsurent Releases Essential Guide: Top Tips for Rental Car Insurance in Australia.

London, United Kingdom - June 5, 2024 —

Introduction to Rental Car Insurance in the Land Down Under

The Essentials of Rental Car Coverage

When you're exploring Australia, renting a car can give you the freedom to discover its vast landscapes at your own pace. But before you hit the road, understanding rental car coverage is crucial. This isn't just about collision and theft; it's also about being prepared for the unexpected - flat tires, lost keys, or a chipped windshield could all spoil your adventure if you're not adequately covered.

Rental car insurance is essential because it safeguards you against significant out-of-pocket expenses should your rental car be damaged or stolen. Coverage typically includes a Collision Damage Waiver (CDW), which limits your financial liability in case of damage to the vehicle, and a Theft Protection policy to cover the loss if your rental is stolen.

Understanding the Australian Context

Navigating car rental insurance in Australia has its own set of rules and considerations. In the Australian context, driving on the left-hand side of the road might already be an adaptation for many international drivers. On top of that, Australia's vast distances and sometimes rugged terrain mean that you need to think about where you're going and the type of insurance that will best protect you on those journeys.

Unwrapping the Layers of Rental Insurance Policies

Standard Inclusions and Exclusions

When you delve into the details of your rental car insurance in Australia , you'll notice a pattern of standard inclusions and exclusions that form the backbone of most policies. Typically, your policy will kick in from the moment you start the rental to the time you return the car. However, it’s essential to know what’s generally covered and what’s left out.

Standard inclusions often feature coverage for collision damage, theft, and sometimes third-party liability. But the devil is in the details, and that's where exclusions come into play. For example, damage to the windscreen, tyres, and loss of keys are commonly not included in standard policies offered by rental companies - but alternative providers like CarInsuRent may cover these gaps.

Exclusions can also apply when the terms of the rental agreement are breached. Hence, familiarizing oneself with the rental agreement is paramount. If you're planning to cross unsealed roads and your vehicle isn't designed for it, this could invalidate your insurance.

As enticing as it may be to skim through the fine print, taking the time to understand these aspects can save you from unexpected expenses that could put a dent in your travel budget and overall experience.

Exploring Additional Insurance Options

While the standard rental car insurance might seem sufficient, there are additional options available to help tailor the coverage to your needs. Exploring these can give you an extra layer of security and ensure you’re not caught off guard by hefty fees.

●      Excess Reduction : Super Collision Damage Waiver (SCDW) An upgrade commonly offered by rental companies allows you to reduce or eliminate the excess payable in an event of a claim. Note that while SCDW offered by the rental company may double your rental price, Third-Party Excess Cover, offered by alternative providers like CarInsuRent, is a more cost-effective alternative offered outside of the car rental company, covering you for the excess you would pay to the rental company in the case of a claim.

●      Windscreen and Tire Protection : Particularly helpful for covering those elements often excluded from standard policies.

●      Personal Effects Cover : Insures items inside the vehicle, a great option if you're traveling with valuable gadgets or luggage.

●      Roadside Assistance : For added peace of mind when you're miles from the nearest town and the unexpected happens.

Each of these comes at an additional cost, but when weighed against the potential outlays in an accident or theft, they can be worth considering. Make sure you compare not just prices but also what's actually covered. Remember, the cheapest option might not always be the most comprehensive.

Money-Saving Tricks for Rental Car Insurance

When to Skip Extra Insurance Coverages

Knowing when to skip extra insurance coverages can be just as valuable as knowing when to opt for them. In many cases, the coverage you're considering at the rental counter might overlap with protection you already have. It's possible your current auto insurance policy or even your credit card benefits could provide similar protections, effectively rendering additional rental insurance redundant.

Before you commit to any additional insurance, here's what you should do:

• Review Existing Coverage: Check what your personal car insurance policy covers regarding rental cars. Frequently, the collision and comprehensive coverage extends to rentals as well.
• Credit Card Benefits: Some credit cards offer rental car insurance as a perk. Verify the details, such as coverage limits and procedures for making a claim (you often need to decline the rental company's insurance).
• Consider the Trip Duration: For short trips, your existing policies may be ample. However, for longer trips, the additional coverage can reduce potential risks.
• Analyze Risks: Honestly assess the risk level of your trip. If you'll be driving in metropolitan areas with minimum risks of damage or theft, it might not be worth extra fees.
• Rental Company's Reputation: Consider the rental company's claim process and customer service. If extra coverage comes with superior service, it might be worth it.

In essence, skip the extras if they're already on your insurance menu. It takes some due diligence, but it can mean significant savings and one less trouble on your travel itinerary.

Insurance Pitfalls and the Australian Consumer Law

Diving into rental car insurance requires vigilance to steer clear of pitfalls, especially since Australian Consumer Law (ACL) provides a safety net for consumers. Knowing your rights under the ACL can help you navigate insurance contracts and spot unfair terms. Rental companies must not mislead you about the cost or the terms of your cover.

Key Pitfalls to Watch Out For:

• Excess Reduction Scams : Offers that seem too good to be true to reduce your excess to zero can sometimes be misleading.
• Pre-existing Damage : Ensure any damage before rental is meticulously documented to avoid being charged for it later.
• Insurance Hard Selling : Rental agents might pressure you into buying additional insurance you don't need. Remember, you have the right to choose.
• Policy Overlap : Double-check you're not paying for coverage already provided by your travel insurance or credit card.

Under the ACL, consumers are entitled to transparent, accurate information. This means that any important restrictions, limits, or conditions on the insurance policy must be made clear to you before you agree to it.

Navigating these pitfalls with the ACL in mind can empower you to make informed insurance choices and steer clear of potential traps on your car rental journey in Australia.

Contact Info: Name: Bill Email: Send Email Organization: CarInsurent Address: 71-75 Shelton St, London WC2H 9JQ United Kingdom Phone: +44-2070487590 Website: https://carinsurent.com/

Release ID: 89131944

In case of detection of errors, concerns, or irregularities in the content provided in this press release, or if there is a need for a press release takedown, we strongly encourage you to reach out promptly by contacting [email protected] (it is important to note that this email is the authorized channel for such matters, sending multiple emails to multiple addresses does not necessarily help expedite your request). Our efficient team will be at your disposal for immediate assistance within 8 hours – resolving identified issues diligently or guiding you through the removal process. We take great pride in delivering reliable and precise information to our valued readers.

• Agencies Release 2024 Gag Clause Compliance Attestation Submission Instructions and User Manual
• NFP  / 
• Insights  / 

The DOL, HHS, and IRS have jointly updated the Submission Instructions and User Manual for the Gag Clause Prohibition Compliance Attestation (GCPCA), dated May 2024. Group health plans and health insurance issuers (insurers) offering group or individual health insurance coverage must annually submit a GCPCA to the DOL, HHS, and IRS (collectively, the agencies).  

The statutory provisions added by the CAA 2021 generally prohibit plans and issuers from entering into an agreement with healthcare providers or a network of providers, third-party administrators, or other service providers that offer access to a network of providers that directly or indirectly restricts the plan or issuer from making certain data and information (including cost or quality of care data and claims information) available to certain other parties (i.e., gag clauses). Specifically, plans and issuers may not enter into an agreement that:  

Prevents the plan or issuer from disclosing cost or quality of care information or data, and certain other information, to:   

Active or eligible participants, beneficiaries, and enrollees of the plan or coverage.   

The plan sponsor.   

Referring providers.   

Restricts the health plan or issuer from electronically accessing de-identified claims and encounter information or data for each participant or beneficiary in the plan or coverage, upon request and consistent with the relevant privacy regulations.   

Restricts the plan or issuer from sharing such information with a business associate, consistent with applicable privacy regulations.  

In general, the Submission Instructions and User Manual provide clarifications and more detail about the process. Changes include definitions of key terms and a new section describing what agreements are subject to the requirements. The instructions also clarify that a single group health plan with more than one benefit package is a single responsible (reporting) entity and may submit a single attestation, even if some coverage types are insured and others are self-insured. Employers that sponsor multiple group health plans with separate plan numbers, however, must file an attestation for each plan. Although the annual attestation must be submitted by December 31, attestations may be made at any time during the year. Each attestation covers the period from the date of the last attestation through the date of the subsequent attestation.   

Although most self-funded plan sponsors will contract with TPAs or other service providers to make the attestation for the plan, the legal obligation to submit the attestation remains with the plan. Self-funded plan sponsors that do contract out the submissions should confirm that their service provider is aware of the changes and that the submission has actually been made.  

GCPCA Annual Submission Instructions, May 2024  »

GCPCA User Manual, May 2024  »

Rent a Car in Moscow and other Russian Cities

Driving in Russia is very cheap: the petrol costs only about 60 ¢ per liter (€2 per gallon), the infrastructure is relatively good, and there's almost no road toll charges, so it's a great way to explore the country, especially if you're two or more.

In order to rent a car in Russia you just need your driving license (the plastic card one), a credit card, and your passport — no extra paperwork is needed (you don't even need a translation).

The insurance excess and security deposits are usually limited to about €200, and the daily rent is about €20 for a standard car and €30 for an SUV. We've partnered with the two biggest car rental aggregators, so you can use the form below to find the best car rental deals for Moscow, St. Petersburg and other Russian cities from major local and international providers, such as Hertz, Europcar, Avis and others.

Option #1: RentalCars.Com

Option #2: cartrawler.

Use this aggregator if you're renting a car for a longer period — two weeks and more — or if you're renting a car in Siberia.

Option #3: Car Sharing

Russia car rental faq.

• Moscow Airport Transfers
• Arrival and Departure: St. Petersburg Airport, Train Stations, and Bus Stations
• Arrival and Departure: Moscow Airports, Train Stations, Buses

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