Does travel insurance cover rental car accidents?

Yes, some travel insurance policies include rental car damage coverage as an optional add-on or included benefit. However, it may not cover liability.

  • Many comprehensive travel policies offer compensation if your rental car is damaged by a covered problem

  • Some policies include rental car coverage as a standard benefit, others as add-on

  • CDW (Collision Damage Waiver) from rental companies is often more comprehensive

  • Most travel insurance rental coverage is secondary to your personal auto insurance

  • Liability coverage (damage you cause to others) is not typically covered by travel insurance

  • Credit card rental car coverage often provides primary coverage, but with exclusions (luxury cars, SUVs, certain countries)

  • Coverage may exclude certain vehicle types or destinations

You may also like: Can I refuse the rental insurance?

Official resource: Insurance Information Institute

Traveling soon? See our Travel Essentials page.

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