Rental Car Insurance Tips & Resources 

Rental car insurance can be confusing, complicated and costly. So do you really need car rental insurance? That’s a question we hear often from travelers. The answer is yes — and no.

In most cases, you don’t need all the different kinds of rental car insurance that the rental company pushes you to buy. However, there’s one type of insurance you should get: a collision damage waiver, which covers costs associated with rental car damage or theft. It’s smart to buy a collision damage waiver before renting a car, because you can save money and avoid aggressive upsells. The OneTrip Rental Car Protector from Allianz Global Assistance provides up to $50,000 in coverage for just $11 per calendar day — and, with few exceptions, covers you anywhere in the world.

In this resource guide, we help you understand if you need rental car insurance and share our best tips for saving money and driving safely overseas. Travel happy!

Benefits/Coverage 

Benefits/Coverage may vary by state, and sublimits may apply. Please see your plan for full details.

Collision Damage Waiver 

$50,000

Covers costs if a car you're renting is stolen or is damaged in a covered accident or while it's left unattended.

Benefit is per policy.

Trip Interruption 

Up to $1,000

Reimburses you for the unused, non-refundable portion of your trip and for the increased transportation costs it takes for you to return home due to a covered reason.

Benefit is per insured.

Baggage Loss/Damage 

Up to $1,000

Covers loss, damage or theft of baggage and personal effects (not available to residents of all states).

Benefit is per insured.

24-Hr Hotline Assistance 

Included

With Allianz Global Assistance, you'll never travel alone. Our multilingual assistance team is available 24 hours a day to help you handle all kinds of travel emergencies. We can help you find local medical and legal professionals, arrange to send a message home, help with missed connections and lost/stolen travel documents, and much more.