Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Full Policy Wording

Rental Car Damage Benefit is not available to residents of OR and TX.
If you rent a car while on your Covered Trip and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in your control while in your possession, or the car is stolen while in your possession and not recovered, we will pay you the lesser of: a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or b) the Actual Cash Value of the car, up to the amount shown on the Schedule.

Coverage is provided to you and your Traveling Companion or Family Member traveling with you, provided you and your Traveling Companion or Family Member traveling with you is a licensed driver, and are listed on the rental agreement. This coverage is primary to other forms of insurance or indemnity.

Coverage is not provided for loss due to:
1. Any obligation of you or a Traveling Companion or a Family Member traveling with you assume under any agreement (except insurance collision deductible).
2. Rentals of trucks, campers, trailers, off-road, or motor bikes, motorcycles, recreational vehicles or Exotic Vehicles.

3. Any loss which occurs if you or a Traveling Companion or a Family Member traveling with you are in violation of the rental agreement.
4. Failure to report the loss to the proper local authorities and the rental car company.
5. Damage to any other vehicle, structure or person as a result of a covered loss.

Your Duties in the Event of a Loss:
You must:
1. Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;
2. Report the loss to the appropriate local authorities and the rental company as soon as possible;
3. Obtain all information on any other party involved in an accident, such as name, address, insurance information and driver’s license number;
4. Provide us all documentation such as rental agreement, police report and damage estimate.

EXOTIC VEHICLE includes Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Cosworth, Citroen, Clenet, De Lorean, Excalibre, Ferrari, Fiat, Iso, Jaguar, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, Morgan, Pantera, Panther, Pininfarina, Rolls Royce, Rover, Stutz, Sterling, Triumph, TVR, Yugo, Corvette, Mercedes Benz, Porsche, and MG. You must contact CSA Travel Protection at (800) 348-9505 before renting to obtain confirmation that the vehicle is covered.

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Full Policy Wording

You are eligible for benefits up to the Maximum Benefit Amount if You rent a car while on Your Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control while in Your possession, or the car is stolen while in Your possession and is not recovered. We will pay the lesser of: a. the cost of repairs and rental charges imposed by the rental company while the car is being repaired; b. the Actual Cash Value of the car; or c. the amount shown on the Schedule. Coverage is provided to You, provided You are a licensed driver and are listed on the rental agreement.

Coverage is not provided for loss due to: 1. any obligation of You, a Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible); 2. rentals of trucks, campers, trailers, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles; 3. any loss which occurs if You or anyone traveling with You are in violation of the rental agreement; 4. failure to report the loss to the proper local authorities and the rental car company; 5. damage to any other vehicle, structure or person as a result of a covered loss; 6. any loss as the result of or attributed to driving the rental vehicle: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication which recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband; 7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the rental vehicle; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the vehicle; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material. “Exotic Vehicles” includes Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Clenet, Corvette, Cosworth, De Lorean, Excalibre, Ferrari, Iso, Jaguar, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, Mercedes Benz, MG, Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls Royce, Rover, Stutz, Sterling, Triumph, and TVR, or any other car with a Manufacturers Suggested Retail Price (MSRP) over $40,000.

ADDITIONAL CLAIMS PROVISIONS SPECIFIC TO RENTAL CAR DAMAGE The following outlines the Your duties in the event of any damage to the vehicle. You must: a) Take all necessary and reasonable steps to protect the vehicle and prevent further damage to it; b) Report the loss to the appropriate local authorities and the rental company as soon as possible; c) Obtain all information on any other party involved in the Accident, such as name, address, insurance information and driver’s license number; d) Provide Us all documentation such as rental agreement, police report and damage estimate.

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Full Policy Wording

If you rent a car while on your Covered Trip and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in your control while in your possession, or the car is stolen while in your possession and not recovered, we will pay you the lesser of: a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or b) The Actual Cash Value of the car, up to the amount shown on the Schedule.

Coverage is provided to you, provided you are a licensed driver, and are listed on the rental agreement. This coverage is primary to other forms of insurance or indemnity.

Coverage is not provided for loss due to:

Your Duties in the Event of a Loss:
You must:

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Full Policy Wording

This Benefit is not available within this plan

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Full Policy Wording

If You have purchased optional Rental Car Damage (Collision Damage Waiver), You are covered up to the amount shown in Your Confirmation of Coverage as follows:

Rental Car Damage

You are eligible for benefits up to the Maximum Benefit Amount if You rent a car while on Your Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control while in Your possession, or the car is stolen while in Your possession and is not recovered.

We will pay the lesser of:
a. the cost of repairs and rental charges imposed by the rental company while the car is being repaired;
b. the Actual Cash Value of the car; or
c. the amount shown on the Schedule.

Coverage is provided to You, provided You are a licensed driver and are listed on the rental agreement.

Coverage is not provided for loss due to:
1. any obligation of You, a Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);
2. rentals of trucks, campers, trailers, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;
3. any loss which occurs if You or anyone traveling with You are in violation of the rental agreement;
4. failure to report the loss to the proper local authorities and the rental car company;
5. damage to any other vehicle, structure or person as a result of a covered loss;
6. any loss as the result of or attributed to driving the rental vehicle: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication which recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;
7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the rental vehicle; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the vehicle; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

“Exotic Vehicles” includes Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Clenet, Corvette, Cosworth, De Lorean, Excalibre, Ferrari, Iso, Jaguar, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, Mercedes Benz, MG, Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls Royce, Rover, Stutz, Sterling, Triumph, and TVR, or any other car with a Manufacturers Suggested Retail Price (MSRP) over $40,000.

ADDITIONAL CLAIMS PROVISIONS SPECIFIC TO RENTAL CAR DAMAGE The following outlines Your duties in the event of any damage to the vehicle. You must:
a) take all necessary and reasonable steps to protect the vehicle and prevent further damage to it;
b) report the loss to the appropriate local authorities and the rental company as soon as possible;
c) obtain all information on any other party involved in the Accident, such as name, address, insurance information and driver’s license number;
d) provide Us all documentation such as rental agreement, police report and damage estimate.

Coverage is not available to residents of Texas.

Full Policy Wording

If You have purchased optional Rental Car Damage (Collision Damage Waiver), You are covered up to the amount shown in Your Confirmation of Coverage as follows:

Rental Car Damage

You are eligible for benefits up to the Maximum Benefit Amount if You rent a car while on Your Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control while in Your possession, or the car is stolen while in Your possession and is not recovered.

We will pay the lesser of:
a. the cost of repairs and rental charges imposed by the rental company while the car is being repaired;
b. the Actual Cash Value of the car; or
c. the amount shown on the Schedule.

Coverage is provided to You, provided You are a licensed driver and are listed on the rental agreement.

Coverage is not provided for loss due to:
1. any obligation of You, a Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);
2. rentals of trucks, campers, trailers, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;
3. any loss which occurs if You or anyone traveling with You are in violation of the rental agreement;
4. failure to report the loss to the proper local authorities and the rental car company;
5. damage to any other vehicle, structure or person as a result of a covered loss;
6. any loss as the result of or attributed to driving the rental vehicle: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication which recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;
7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the rental vehicle; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the vehicle; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

“Exotic Vehicles” includes Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Clenet, Corvette, Cosworth, De Lorean, Excalibre, Ferrari, Iso, Jaguar, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, Mercedes Benz, MG, Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls Royce, Rover, Stutz, Sterling, Triumph, and TVR, or any other car with a Manufacturers Suggested Retail Price (MSRP) over $40,000.

ADDITIONAL CLAIMS PROVISIONS SPECIFIC TO RENTAL CAR DAMAGE

The following outlines Your duties in the event of any damage to the vehicle. You must:
a) take all necessary and reasonable steps to protect the vehicle and prevent further damage to it;
b) report the loss to the appropriate local authorities and the rental company as soon as possible;
c) obtain all information on any other party involved in the Accident, such as name, address, insurance information and driver’s license number;
d) provide Us all documentation such as rental agreement, police report and damage estimate.

Coverage is not available to residents of Texas.

Full Policy Wording

OPTIONAL – COLLISION DAMAGE WAIVER

Note: this benefit is not available if traveling to the following countries: Israel, Jamaica, Republic of Ireland or Northern Ireland.

If You rent a car while on the Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control while in Your possession, the Company will pay the lesser of:
a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
b) the Actual Cash Value of the car, meaning purchase price less depreciation; or
c) the amount shown on the Confirmation of Coverage.

Coverage is provided to You, provided You and Your Traveling Companions are licensed drivers, and are listed on the rental agreement.

Coverage is not available to residents of Texas.

The following exclusions apply to Collision Damage Waiver:
1. Any obligation You assumes under any agreement (except insurance collision deductible);
2. Rentals of trucks, campers, trailers, off-road or four-wheel drive vehicles, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;
3. Any loss that occurs if You are in violation of the rental agreement;
4. Failure to report the loss to the proper local authorities and the rental car company;
5. Damage to any other vehicle, structure or person as a result of a covered loss.

The following duties in the event of loss apply to Collision Damage Waiver:
1. You must take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;
2. You must report the loss to the appropriate local authorities and the rental company as soon as possible;
3. You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;
4. You must provide the Company all documentation such as rental agreement, police report and damage estimate.

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Full Policy Wording

OPTIONAL PURCHASE – COLLISION DAMAGE WAIVER

This Coverage Benefit is provided only if shown as covered on the Confirmation of Benefits.

The Insured is eligible for benefits up to the Maximum Benefit Amount per reservation if the Insured rents a car while on the Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in the Insured’s control while in the Insured’s possession, or the car is stolen while in the Insured’s possession and is not recovered. The Company will pay the lesser of:
a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
b) The Actual Cash Value of the car, meaning purchase price less depreciation; or
c) The amount shown on the Schedule.

Coverage is provided to the Insured, provided the Insured and Traveling Companions are licensed drivers, and are listed on the rental agreement.

Coverage is provided to the Insured for up ninety (90) consecutive days.

Full Policy Wording

CAR RENTAL COLLISION COVERAGE

If an Insured’s rented car is damaged while on a Trip due to collision, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Insurer will pay the lesser of:
a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
b) the Actual Cash Value of the car. The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule subject to the Deductible shown in the Schedule.

Coverage is provided to the Insured and Traveling Companion, providing the Insured and Traveling Companion are licensed drivers, and are listed on the rental agreement. Coverage does not apply in countries or states where the sale of this insurance is prohibited by law. This coverage is Primary to other forms of insurance or indemnity. The Insured must contact Travel Guard before renting to confirm whether the vehicle is covered.

Full Policy Wording

RENTER’S COLLISION INSURANCE

This coverage applies only if you have elected this coverage and it is shown on the Schedule of Benefits (or) Declarations Page. If an Insured’s rented car is damaged while on a Trip due to collision, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Company will pay the lesser of:
a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
b) the Actual Cash Value of the car.

The Company will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits or Declarations Page, subject to the Deductible shown in the Schedule of Benefits or Declarations Page.

Coverage is provided to the Insured and Traveling Companion, providing the Insured and Traveling Companion are licensed drivers, and are listed on the rental agreement. Coverage does not apply in countries or states where the sale of this insurance is prohibited by law.

This coverage is Primary to other forms of insurance or indemnity.

Full Policy Wording

Rental Car coverage is not available for these destinations: Ireland, Jamaica, or Costa Rica.

If an Insured’s rented car is damaged while on a Trip due to collision, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Insurer will pay the lesser of:

a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
b) the Actual Cash Value of the car.

The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule subject to the Deductible shown in the Schedule. Coverage is provided to the Insured and Traveling Companion, providing the Insured and Traveling Companion are licensed drivers, and are listed on the rental agreement.

Coverage does not apply in countries or states where the sale of this insurance is prohibited by law.

This coverage is Primary to other forms of insurance or indemnity. The Insured must contact Travel Guard before renting to confirm whether the vehicle is covered.

The following limitations and exclusions apply to Car Rental Collision Coverage:
Coverage is not provided (in whole or in part) for any loss due to:

a) any Loss which occurs if the Insured or his/her Traveling Companion violates the rental agreement;
b) rentals of trucks, (not including jeeps or SUV’s), campers, trailers, off road vehicles, motor bikes, motorcycles, recreational vehicles, or Exotic Vehicles;
c) any obligation the Insured or his or her Traveling Companion assumes under any agreement except insurance collision deductible;
d) failure to report the Loss to the proper local authorities and the rental car company;
e) damage to any other vehicle, structure, or person as a result of a covered Loss;
f) participation in contests of speed, motor sport or motor racing including training or practice for the same;
g) driving under the influence of alcohol;
h) being under the influence of drugs or intoxicants, unless prescribed by a Physician;
i) war or act of war, whether declared or not, civil commotion, insurrection or riot;
j) Injury sustained while committing or attempting to commit a crime.

Full Policy Wording

CAR RENTAL COLLISION COVERAGE

If an Insured’s rented car is damaged while on a Trip due to collision, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Insurer will pay the lesser of:
a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
b) the Actual Cash Value of the car. The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule subject to the Deductible shown in the Schedule.

Coverage is provided to the Insured and Traveling Companion, providing the Insured and Traveling Companion are licensed drivers, and are listed on the rental agreement. Coverage does not apply in countries or states where the sale of this insurance is prohibited by law.

This coverage is Primary to other forms of insurance or indemnity.

The Insured must contact Travel Guard before renting to confirm whether the vehicle is covered.

Full Policy Wording

Rental Car coverage is not available for these destinations: Ireland, Jamaica, or Costa Rica.

CAR RENTAL COLLISION COVERAGE

If an Insured’s rented car is damaged while on a Trip due to collision, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Insurer will pay the lesser of:

• a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
• b) the Actual Cash Value of the car.

The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule subject to the Deductible shown in the Schedule.

Coverage is provided to the Insured and Traveling Companion, providing the Insured and Traveling Companion are licensed drivers, and are listed on the rental agreement.

Coverage does not apply in countries or states where the sale of this insurance is prohibited by law.

This coverage is Primary to other forms of insurance or indemnity.

The Insured must contact Travel Guard before renting to confirm whether the vehicle is covered

The following limitations and exclusions apply to Car Rental Collision Coverage:
Coverage is not provided (in whole or in part) for any loss due to:

• a) any Loss which occurs if the Insured or his/her Traveling Companion violates the rental agreement;
• b) rentals of trucks, (not including jeeps or SUV’s), campers, trailers, off road vehicles, motor bikes, motorcycles, recreational vehicles, or Exotic Vehicles;
• c) any obligation the Insured or his or her Traveling Companion assumes under any agreement except insurance collision deductible;
• d) failure to report the Loss to the proper local authorities and the rental car company;
• e) damage to any other vehicle, structure, or person as a result of a covered Loss;
• f) participation in contests of speed, motor sport or motor racing including training or practice for the same;
• g) driving under the influence of alcohol;
• h) being under the influence of drugs or intoxicants, unless prescribed by a Physician;
• i) war or act of war, whether declared or not, civil commotion, insurrection or riot;
• j) Injury sustained while committing or attempting to commit a crime.

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Full Policy Wording

CAR RENTAL COLLISION COVERAGE

If an Insured’s rented car is damaged while on a Trip due to collision, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Insurer will pay the lesser of:
(a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
(b) the Actual Cash Value of the car. The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule subject to the Deductible shown in the Schedule.

Coverage is provided to the Insured and Traveling Companion, providing the Insured and Traveling Companion are licensed drivers, and are listed on the rental agreement. Coverage does not apply in countries or states where the sale of this insurance is prohibited by law.

This coverage is Primary to other forms of insurance or indemnity.

The Insured must contact Travel Guard before renting to confirm whether the vehicle is covered.

Full Policy Wording

Rental Car coverage is not available for these destinations: Ireland, Jamaica, or Costa Rica.

OPTIONAL CAR RENTAL COLLISION COVERAGE

Coverage does not apply in countries or states where the sale of this insurance is prohibited by law. If the Insured rents a car from a licensed auto rental company while on his/her Trip, and the car is damaged due to collision, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Insurer will pay the lesser of this benefit up to the Maximum Limit shown on the Schedule of Benefits subject to a $250 deductible:
a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
b) the Actual Cash Value of the car. Coverage is provided to the Insured and Traveling Companion, providing the Insured and Traveling Companion are licensed drivers, and are listed on the rental agreement. This coverage is primary to other forms of insurance or indemnity.

Additional Exclusions: In addition to the General Exclusions, coverage is not provided for loss due to:

a) any loss which occurs if the Insured or his/her Traveling Companion is in violation of the rental agreement;
b) rentals of trucks, campers, trailers, off-road vehicles, motor bikes, motorcycles, recreational vehicles, or Exotic Vehicles;
c) any obligation the Insured or his or her Traveling Companion assumes under any agreement except insurance collision deductible;
d) failure to report the loss to the proper local authorities and the rental car company;
e) damage to any other vehicle, structure, or person as a result of a covered loss;
f) driving under the influence of alcohol;
g) Injury sustained while committing or attempting to commit a crime (not applicable in FL.)

The Insured’s Duties in the Event of Loss: The Insured must: take all reasonable, necessary steps to protect the vehicle and prevent further damage to it; report the loss to the appropriate local authorities and the rental company as soon as possible; obtain all information on any other party involved in an accident, such as name, address, insurance information, and driver?s license number; and provide the Insurer all documentation such as rental agreement, police report, and damage estimate.

Full Policy Wording

CAR RENTAL COLLISION COVERAGE

If an Insured’s rented car is damaged while on a Trip due to collision, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Insurer will pay the lesser of:
a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
b) the Actual Cash Value of the car. The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule subject to the Deductible shown in the Schedule.

Coverage is provided to the Insured and Traveling Companion, providing the Insured and Traveling Companion are licensed drivers, and are listed on the rental agreement. Coverage does not apply in countries or states where the sale of this insurance is prohibited by law.

This coverage is Primary to other forms of insurance or indemnity. The Insured must contact Travel Guard before renting to confirm whether the vehicle is covered.

Full Policy Wording

RENTER’S COLLISION INSURANCE

This coverage applies only if you have elected this coverage and it is shown on the Schedule of Benefits or Declarations Page. If an Insured’s rented car is damaged while on a Trip due to collision, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Company will pay the lesser of:
a) the cost of repairs and rental charges imposed by the
rental company while the car is being repaired; or
b) the Actual Cash Value of the car.

The Company will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits or Declarations Page, subject to the Deductible shown in the Schedule of Benefits or Declarations Page. Coverage is provided to the Insured and Traveling Companion, providing the Insured and Traveling Companion are licensed drivers, and are listed on the rental agreement. Coverage does not apply in countries or states where the sale of this insurance is prohibited by law.

This coverage is Primary to other forms of insurance or indemnity.

Full Policy Wording

Rental Car coverage is not available for these destinations: Ireland, Jamaica, or Costa Rica.

Coverage does not apply in countries or states where the sale of this insurance is prohibited by law. If the Insured rents a car from a licensed auto rental company while on his/her Trip, and the car is damaged due to collision, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Insurer will pay the lesser of this benefit up to the Maximum Limit shown on the Schedule of Benefits subject to a $250 deductible: (a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or (b) the Actual Cash Value of the car.

Coverage is provided to the Insured and Traveling Companion, providing the Insured and Traveling Companion are licensed drivers, and are listed on the rental agreement.

This coverage is primary to other forms of insurance or indemnity.

Additional Exclusions: In addition to the General Exclusions, coverage is not provided for loss due to:
a) any loss which occurs if the Insured or his/her Traveling Companion is in violation of the rental agreement;
b) rentals of trucks, campers, trailers, off-road vehicles, motor bikes, motorcycles, recreational vehicles, or Exotic Vehicles;
c) any obligation the Insured or his or her Traveling Companion assumes under any agreement except insurance collision deductible;
d) failure to report the loss to the proper local authorities and the rental car company;
e) damage to any other vehicle, structure, or person as a result of a covered loss;
f) driving under the influence of alcohol;
g) Injury sustained while committing or attempting to commit a crime (not applicable in FL.)

The Insured’s Duties in the Event of Loss: The Insured must: take all reasonable, necessary steps to protect the vehicle and prevent further damage to it; report the loss to the appropriate local authorities and the rental company as soon as possible; obtain all information on any other party involved in an accident, such as name, address, insurance information, and driver’s license number; and provide the Insurer all documentation such as rental agreement, police report, and damage estimate.

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Full Policy Wording

CAR RENTAL COLLISION COVERAGE
Coverage applies only if you have elected this coverage and it is shown on the Schedule of Benefits (or) Declarations Page. If an Insured’s rented car is damaged while on a Trip due to collision, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Insurer will pay the lesser of:
(a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
(b) the Actual Cash Value of the car.
The Insurer will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits or Declarations Page, subject to the Deductible shown in the Schedule of Benefits or Declarations Page.
Coverage is provided to the Insured and Traveling Companion, providing the Insured and Traveling Companion are licensed drivers, and are listed on the rental agreement.
Coverage does not apply in countries or states where the sale of this insurance is prohibited by law.
This coverage is Primary to other forms of insurance or indemnity.
The Insured must contact Travel Guard at 1.800.826.1300 before renting to confirm whether the vehicle is covered.

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Full Policy Wording

RENTER’S COLLISION INSURANCE

This coverage applies only if you have elected this coverage and it is shown on the Schedule of Benefits or Declarations Page. If an Insured’s rented car is damaged while on a Trip due to collision, vandalism, windstorm, fire, hail or flood, while in his/her possession, the Company will pay the lesser of:
a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
b) the Actual Cash Value of the car.

The Company will pay this benefit up to the Maximum Limit shown on the Schedule of Benefits or Declarations Page, subject to the Deductible shown in the Schedule of Benefits or Declarations Page.

Coverage is provided to the Insured and Traveling Companion, providing the Insured and Traveling Companion are licensed drivers, and are listed on the rental agreement.

Coverage does not apply in countries or states where the sale of this insurance is prohibited by law.

This coverage is Primary to other forms of insurance or indemnity.

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Full Policy Wording

RENTERS COLLISION INSURANCE

Not available for residents of Texas and Washington State.

Optional Coverage: Applicable only when requested on the application and the appropriate additional premium has been paid and purchase is confirmed on Your Confirmation of Benefits.
If You rent a car while on the Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control while in Your possession, the Company will pay the lesser of:
a) The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
b) The Actual Cash Value of the car, meaning purchase price less depreciation; or
c) The amount shown on Your Confirmation of Benefits

Coverage is provided to You and Your Traveling Companions, provided You and Traveling Companions are licensed drivers, and are listed on the rental agreement.

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Full Policy Wording

OPTIONAL TRANSPORTATION PAK

If you have purchased the Transportation Pak upgrade in addition to your Travelex Passenger Protection Plan, you will receive the Rental Car Damage and Flight Accidental Death and Dismemberment Benefits. One (1) Transportation Pak allowed per plan.

RENTAL CAR DAMAGE BENEFITS

If you rent a car while on your Covered Trip and the car is damaged due to collision, theft, vandalism, windstorm, fi re, hail, fl ood or any cause not in your control while in your possession, or the car is stolen while in your possession and not recovered, we will pay you the lesser of: a) the cost of repairs and rental charges imposed by the rental company while the car is being repaired; or b) the Actual Cash Value of the car, up to the amount shown on the Schedule.

Coverage is provided to you and your Traveling Companion, provided you and your Traveling Companion are licensed drivers, and are listed on the rental agreement. This coverage is primary to other forms of insurance or indemnity.

Coverage is not provided for loss due to:
1. Any obligation of you or Travel Companion assume under any agreement (except insurance collision deductible).
2. Rentals of campers, trailers, off-road or motor bikes motorcycles, recreational vehicles or Exotic Vehicles.
3. Any loss which occurs if you or Travel Companion are in violation of the rental agreement.
4. Failure to report the loss to the proper local authorities and the rental car company.
5. Damage to any other vehicle, structure or person as a result of a covered loss.

Your Duties In The Event of a Loss:
1. Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;
2. Report the loss to the appropriate local authorities and the rental company as soon as possible;
3. Obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;
4. Provide us all documentation such as rental agreement, policy report and damage estimate.

Full Policy Wording

RENTAL VEHICLE DAMAGE PROTECTION

You are covered, up to the Maximum Benefit Amount, for physical loss or damage to a Rental Vehicle for which You are liable, provided such vehicle was rented from an approved Commercial Rental Vehicle Agency and for which You declined a collision damage waiver. Coverage is limited to any physical damage to or loss of the Rental Vehicle caused by:
1) theft, or malicious mischief;
2) riot, civil commotion;
3) fire explosion, or Natural Disaster; or
4) collision with another object or by upset. Only one Rental Vehicle at a time may be covered under the Policy.

NOTE: It is Your responsibility to examine the Rental Vehicle, prior to Your acceptance of such vehicle, for any existing damage and to retain a copy of the written record of such damage for submission to Us in the event of a claim. Coverage is provided for any loss or physical damage to the Rental Vehicle anywhere in the world and includes payment of towing costs, fire department charges, damage repairs, salvage, and civil action defense costs on account of such loss or damage.

Rental Vehicle: means any motor vehicle rented from a Commercial Rental Vehicle Agency as described in the rental agreement. A Rental Vehicle does not include trucks, vans, buses, motorcycles, mopeds, motorbikes, recreational all-terrain vehicles, campers, trailers, limousines, and vehicles 20 years of age or older, any vehicles specifically designed for off-road use and any exotic vehicles including, but not limited to Aston Martin, Bentley, Bricklin, Daimler, De Lorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus, Maserati, Mercedes Benz, Porsche, Rolls Royce, or any other similar vehicle.

Rental Vehicle Damage Protection: Coverage ends on the earliest of the following:
a) the Rental Vehicle return date as shown on Your enrollment form;
b) the date You return the Rental Vehicle to the Commercial Rental Vehicle Agency; or
c) the date the Rental Vehicle was scheduled to be returned to the Commercial Rental Vehicle Agency as stipulated in the rental agreement.

YOUR DUTIES IN THE EVENT OF LOSS OF OR DAMAGE TO YOUR RENTAL VEHICLE

When physical loss of or damage to Your Rental Vehicle occurs during the rental period, You must immediately:
1) report such loss or damage to the Commercial Rental Vehicle Agency and provide to the agency full details of the circumstances surrounding the loss of or damage to the Rental Vehicle;
2) file a report with the police documenting: a) the accident involving the Rental Vehicle; or b) the physical loss of or any damage to the Rental Vehicle; and
3) notify Our authorized travel assistance company. In order to qualify for benefits under this provision, You must submit to Us, within 30 days of the date of the loss or damage, copies of:
1) the written verifi cation of the Rental Vehicle booking as made by or through the approved Commercial Rental Vehicle Agency;
2) the rental agreement;
3) any police or other reports documenting: a) any physical loss of or damage to the Rental Vehicle; b) the circumstances surrounding any accident in which the Rental Vehicle may have been involved; c) the theft of or any malicious mischief or vandalism to the Rental Vehicle; and
4) any other information We deem to be necessary to properly adjudicate Your Rental Vehicle claim. Upon receipt of the necessary forms and documentation, We will investigate and negotiate the Rental Vehicle claim on Your behalf, subject to all the terms, conditions and limitations of the Policy. We reserve the right to have the Rental Vehicle examined, at Our own expense, by an insurance adjuster of Our own choosing as often as We determine such examination to be reasonably necessary.

EXCLUSIONS

In addition to any other Exclusions listed in the Policy, no coverage is provided under this provision if:
1) the Commercial Rental Vehicle Agency waives or assumes responsibility for expenses incurred as a result of any physical loss or damage to the Rental Vehicle for which You may be liable;
2) any amounts are paid or payable under any other insurance coverage You might have.

No coverage is provided under this provision for physical loss of or damage to the Rental Vehicle caused by or resulting from:

1) driving the Rental Vehicle while You are: a) using any medication which recommends abstinence from driving; b) receiving compensation or hire; c) participating in an illegal activity, or transporting contraband; or d) in violation of the terms and conditions of the rental agreement;
2) mechanical failure or breakdown of the Rental Vehicle; wear and tear, gradual deterioration, corrosion, rust or freezing;
3) any neglect or abuse of the Rental Vehicle either by the Commercial Rental Vehicle Agency or You;
4) any conversion or modification to the Rental Vehicle by or at Your direction; or
5) contamination of the Rental Vehicle by radioactive material.

Full Policy Wording

RENTAL VEHICLE DAMAGE PROTECTION

You are covered, up to the Maximum Benefit Amount, for physical loss or damage to a Rental Vehicle for which You are liable, provided such vehicle was rented from an approved Commercial Rental Vehicle Agency and for which You declined a collision damage waiver. Coverage is limited to any physical damage to or loss of the Rental Vehicle caused by:

1) theft, or malicious mischief;
2) riot, civil commotion;
3) fire explosion, or Natural Disaster; or
4) collision with another object or by upset. Only one Rental Vehicle at a time may be covered under the Policy.

NOTE: It is Your responsibility to examine the Rental Vehicle, prior to Your acceptance of such vehicle, for any existing damage and to retain a copy of the written record of such damage for submission to Us in the event of a claim. Coverage is provided for any loss or physical damage to the Rental Vehicle anywhere in the world and includes payment of towing costs, fire department charges, damage repairs, salvage, and civil action defense costs on account of such loss or damage.

Rental Vehicle: means any motor vehicle rented from a Commercial Rental Vehicle Agency as described in the rental agreement. A Rental Vehicle does not include trucks, vans, buses, motorcycles, mopeds, motorbikes, recreational all-terrain vehicles, campers, trailers, limousines, and vehicles 20 years of age or older, any vehicles specifically designed for off-road use and any exotic vehicles including, but not limited to Aston Martin, Bentley, Bricklin, Daimler, De Lorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus, Maserati, Mercedes Benz, Porsche, Rolls Royce, or any other similar vehicle. Rental Vehicle Damage Protection: Coverage ends on the earliest of the following:

a) the Rental Vehicle return date as shown on Your enrollment form;
b) the date You return the Rental Vehicle to the Commercial Rental Vehicle Agency; or
c) the date the Rental Vehicle was scheduled to be returned to the Commercial Rental Vehicle Agency as stipulated in the rental agreement.

YOUR DUTIES IN THE EVENT OF LOSS OF OR DAMAGE TO YOUR RENTAL VEHICLE

When physical loss of or damage to Your Rental Vehicle occurs during the rental period, You must immediately:

1) report such loss or damage to the Commercial Rental Vehicle Agency and provide to the agency full details of the circumstances surrounding the loss of or damage to the Rental Vehicle;
2) file a report with the police documenting:
a) the accident involving the Rental Vehicle; or
b) the physical loss of or any damage to the Rental Vehicle; and
3) notify Our authorized travel assistance company. In order to qualify for benefits under this provision, You must submit to Us, within 30 days of the date of the loss or damage, copies of:
1) the written verifi cation of the Rental Vehicle booking as made by or through the approved Commercial Rental Vehicle Agency;
2) the rental agreement;
3) any police or other reports documenting:
a) any physical loss of or damage to the Rental Vehicle;
b) the circumstances surrounding any accident in which the Rental Vehicle may have been involved;
c) the theft of or any malicious mischief or vandalism to the Rental Vehicle; and
4) any other information We deem to be necessary to properly adjudicate Your Rental Vehicle claim. Upon receipt of the necessary forms and documentation, We will investigate and negotiate the Rental Vehicle claim on Your behalf, subject to all the terms, conditions and limitations of the Policy. We reserve the right to have the Rental Vehicle examined, at Our own expense, by an insurance adjuster of Our own choosing as often as We determine such examination to be reasonably necessary.

EXCLUSIONS

In addition to any other Exclusions listed in the Policy, no coverage is provided under this provision if:

1) the Commercial Rental Vehicle Agency waives or assumes responsibility for expenses incurred
as a result of any physical loss or damage to the Rental Vehicle for which You may be liable;
2) any amounts are paid or payable under any other insurance coverage You might have.

No coverage is provided under this provision for physical loss of or damage to the Rental Vehicle caused by or resulting from:

1) driving the Rental Vehicle while You are:
a) using any medication which recommends abstinence from driving;
b) receiving compensation or hire;
c) participating in an illegal activity, or transporting contraband; or
d) in violation of the terms and conditions of the rental agreement;
2) mechanical failure or breakdown of the Rental Vehicle; wear and tear, gradual deterioration, corrosion, rust or freezing;
3) any neglect or abuse of the Rental Vehicle either by the Commercial Rental Vehicle Agency or You;
4) any conversion or modification to the Rental Vehicle by or at Your direction; or
5) contamination of the Rental Vehicle by radioactive material.

Full Policy Wording

If You have purchased optional Rental Car Damage (Collision Damage Waiver), You are covered up to the amount shown in Your Confirmation of Coverage as follows:

Rental Car Damage

You are eligible for benefits up to the Maximum Benefit Amount if You rent a car while on Your Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control while in Your possession, or the car is stolen while in Your possession and is not recovered.

We will pay the lesser of:
a. the cost of repairs and rental charges imposed by the rental company while the car is being repaired;
b. the Actual Cash Value of the car; or
c. the amount shown on the Schedule.

Coverage is provided to You, provided You are a licensed driver and are listed on the rental agreement.

Coverage is not provided for loss due to:
1. any obligation of You, a Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);
2. rentals of trucks, campers, trailers, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;
3. any loss which occurs if You or anyone traveling with You are in violation of the rental agreement;
4. failure to report the loss to the proper local authorities and the rental car company;
5. damage to any other vehicle, structure or person as a result of a covered loss;
6. any loss as the result of or attributed to driving the rental vehicle: while under the infl uence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication which recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;
7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the rental vehicle; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the vehicle; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

“Exotic Vehicles” includes Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Clenet, Corvette, Cosworth, De Lorean, Excalibre, Ferrari, Iso, Jaguar, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, Mercedes Benz, MG, Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls Royce, Rover, Stutz, Sterling, Triumph, and TVR, or any other car with a Manufacturers Suggested Retail Price (MSRP) over $40,000.

ADDITIONAL CLAIMS PROVISIONS SPECIFIC TO RENTAL CAR DAMAGE

The following outlines Your duties in the event of any damage to the vehicle. You must:
a) take all necessary and reasonable steps to protect the vehicle and prevent further damage to it;
b) report the loss to the appropriate local authorities and the rental company as soon as possible;
c) obtain all information on any other party involved in the Accident, such as name, address, insurance information and driver’s license number;
d) provide Us all documentation such as rental agreement, police report and damage estimate.

Coverage is not available to residents of Texas.

Full Policy Wording

If You have purchased optional Rental Car Damage (Collision Damage Waiver), You are covered up to the amount shown in Your Confirmation of Coverage as follows:

Rental Car Damage

You are eligible for benefits up to the Maximum Benefit Amount if You rent a car while on Your Trip, and the car is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control while in Your possession, or the car is stolen while in Your possession and is not recovered.

We will pay the lesser of:
a. the cost of repairs and rental charges imposed by the rental company while the car is being repaired;
b. the Actual Cash Value of the car; or
c. the amount shown on the Schedule.

Coverage is provided to You, provided You are a licensed driver and are listed on the rental agreement.

Coverage is not provided for loss due to:
1. any obligation of You, a Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);
2. rentals of trucks, campers, trailers, motor bikes, motorcycles, recreational vehicles or Exotic Vehicles;
3. any loss which occurs if You or anyone traveling with You are in violation of the rental agreement;
4. failure to report the loss to the proper local authorities and the rental car company;
5. damage to any other vehicle, structure or person as a result of a covered loss;
6. any loss as the result of or attributed to driving the rental vehicle: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication which recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;
7. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the rental vehicle; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the vehicle; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

“Exotic Vehicles” includes Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Clenet, Corvette, Cosworth, De Lorean, Excalibre, Ferrari, Iso, Jaguar, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, Mercedes Benz, MG, Morgan, Pantera, Panther, Pininfarina, Porsche, Rolls Royce, Rover, Stutz, Sterling, Triumph, and TVR, or any other car with a Manufacturers Suggested Retail Price (MSRP) over $40,000.

ADDITIONAL CLAIMS PROVISIONS SPECIFIC TO RENTAL CAR DAMAGE

The following outlines Your duties in the event of any damage to the vehicle. You must:
a) take all necessary and reasonable steps to protect the vehicle and prevent further damage to it;
b) report the loss to the appropriate local authorities and the rental company as soon as possible;
c) obtain all information on any other party involved in the Accident, such as name, address, insurance information and driver’s license number;
d) provide Us all documentation such as rental agreement, police report and damage estimate.

Coverage is not available to residents of Texas.

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

Full Policy Wording

There is no Rental Car Damage coverage with this plan.