What is Rental Car Damage?

Rental Car Damage provides reimbursement for damage to, or theft of, a rental vehicle during a covered trip.

Coverage for Rental Car Damage is an optional upgrade that can be added to some policies to cover damage or theft of a rental vehicle, as long as it is substantiated by a police report. Most policies with this coverage do not cover liability or damage to any other vehicles.

Please be aware that coverage and eligibility requirements for this benefit differ by policy. The tables below show the providers that offer Rental Car Damage coverage.

Looking for a policy with Rental Car Damage coverage?

Enter your trip information on our custom search form. Once you receive your results, select the Rental Car Damage filter to find the best policy for your trip with the coverage that you need.

Search & Compare Travel Insurance Policies
All policies provide worldwide coverage unless stated prior to purchase.
Step 1 of 3
April Travel Protection
April Travel Protection
Policy Name and Summary of Coverage
1

Choice

Optional coverage

RENTAL CAR COVERAGE

This coverage is not available to Texas residents.

If you rent a car while on your Trip and the car is damaged while in your possession due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in your control, or the car is stolen while in your possession and not recovered, we will pay, up to the amount in the Schedule, 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. Coverage is provided to you and your Traveling Companion, provided you and your Traveling Companion 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 to or loss due to:

1. any obligation of you or a Traveling Companion or a Family Member traveling with you assumed under any agreement (except insurance collision deductible).

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, off-road, all-terrain, or recreational vehicles.

3. vehicles that are older than 20 years.

4. vehicles that have not been manufactured in the past 10 years.

5. vehicles that are rented for commercial or livery purposes, including but not limited to limousines.

6. vehicles that have a manufacturer’s suggested retail price of more than $50,000.

7. any loss that occurs if you or a Traveling Companion act with the intent to commit a crime or act in violation of the rental agreement.

8. failure to report the loss to the proper local authorities and the rental car company.

9. 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.

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2

Choice

Optional coverage

RENTAL CAR COVERAGE

This coverage is not available to Texas residents.

If you rent a car while on your Trip and the car is damaged while in your possession due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in your control, or the car is stolen while in your possession and not recovered, we will pay, up to the amount in the Schedule, 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. Coverage is provided to you and your Traveling Companion, provided you and your Traveling Companion 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 to or loss due to:

1. any obligation of you or a Traveling Companion or a Family Member traveling with you assumed under any agreement (except insurance collision deductible).

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, off-road, all-terrain, or recreational vehicles.

3. vehicles that are older than 20 years.

4. vehicles that have not been manufactured in the past 10 years.

5. vehicles that are rented for commercial or livery purposes, including but not limited to limousines.

6. vehicles that have a manufacturer’s suggested retail price of more than $50,000.

7. any loss that occurs if you or a Traveling Companion act with the intent to commit a crime or act in violation of the rental agreement.

8. failure to report the loss to the proper local authorities and the rental car company.

9. 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.

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3

Annual Plan

Optional coverage

THE FOLLOWING OPTIONAL COVERAGE APPLIES IF PURCHASED.

RENTAL CAR COVERAGE

This coverage is not available to Texas residents.

If you rent a car while on your Trip and the car is damaged while in your possession due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in your control, or the car is stolen while in your possession and not recovered, we will pay, up to the amount in the Schedule, 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. Coverage is provided to you and your Traveling Companion, provided you and your Traveling Companion 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 to or loss due to:

1. any obligation of you or a Traveling Companion or a Family Member traveling with you assumed under any agreement (except insurance collision deductible).

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, off‐road, all‐terrain, or recreational vehicles.

3. vehicles that are older than 20 years.

4. vehicles that have not been manufactured in the past 10 years.

5. vehicles that are rented for commercial or livery purposes, including but not limited to limousines.

6. vehicles that have a manufacturer’s suggested retail price of more than $50,000.

7. any loss that occurs if you or a Traveling Companion act with the intent to commit a crime or act in violation of the rental agreement.

8. failure to report the loss to the proper local authorities and the rental car company.

9. 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.

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Arch RoamRight
Arch RoamRight
Policy Name and Summary of Coverage
4

Essential

Optional coverage

OPTIONAL RENTAL CAR DAMAGE

If You rent a Rental Car while on Your Trip and while in Your possession the car is: 1) damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control; or 2) stolen and not recovered, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for 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 Rental Car; or

c) the Maximum Benefit Amount shown in the Schedule of Benefits.

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

The following exclusions and limitations apply to Rental Car Damage

We do not cover loss arising from or 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, off-road vehicles, recreational vehicles or Exotic Vehicles;

3. any loss that 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 Car: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication that 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 Car; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the Rental Car; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

The following duties in the event of loss apply to Rental Car Damage:

1. You must take all reasonable, necessary steps to protect the Rental Car 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 Us all documentation such as rental agreement, police report and damage estimate.

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5

Preferred

Optional coverage

OPTIONAL RENTAL CAR DAMAGE

If You rent a Rental Car while on Your Trip and while in Your possession the car is: 1) damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in Your control; or 2) stolen and not recovered, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for 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 Rental Car; or

c) the Maximum Benefit Amount shown in the Schedule of Benefits.

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

The following exclusions and limitations apply to Rental Car Damage

We do not cover loss arising from or 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, off-road vehicles, recreational vehicles or Exotic Vehicles;

3. any loss that 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 Car: while under the influence of alcohol or any illegal substance or the abuse of a legal substance; while using any medication that 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 Car; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the Rental Car; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

The following duties in the event of loss apply to Rental Car Damage:

1. You must take all reasonable, necessary steps to protect the Rental Car 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 Us all documentation such as rental agreement, police report and damage estimate.

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AXA Assistance USA
AXA Assistance USA
Policy Name and Summary of Coverage
6

Gold

Optional coverage

COLLISION DAMAGE WAIVEROPTIONAL UPGRADE

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 reimburse 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; or

c) The Maximum Benefit shown on the Confirmation of Coverage.

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

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.

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7

Platinum

Optional coverage

COLLISION DAMAGE WAIVEROPTIONAL UPGRADE

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 reimburse 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; or

c) The Maximum Benefit shown on the Confirmation of Coverage.

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

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.

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battleface
battleface
Policy Name and Summary of Coverage
8

Explorer

Optional coverage

Rental Vehicle Damage – up to $35,000 per rented vehicle, $250 deductible for loss greater than $2,000.

RENTAL VEHICLE DAMAGE

We will reimburse you, up to the maximum amount shown in the schedule of benefits and subject to the deductible if your rented vehicle is damaged while on a covered trip and such damage is due to collision, vandalism, windstorm, fire, hail or flood, or any cause beyond your control while in your possession, or is stolen. Payment will be made for the lesser of:

a. The cost of repairs and rental charges imposed by the rental company while the rented vehicle is being repaired (i.e. “loss of use” charges);

b. The actual cash value of the vehicle; or

c. The deductible you are required to pay before your auto insurance policy will pay.

Coverage is provided to you and your traveling companion, if both are licensed drivers and are listed on the rental agreement.

This coverage is primary to other forms of insurance or indemnity. We will pay first but reserve the right to recover from the insurance carrier(s) of any other party involved in the loss, other than you. We will not take steps to recover from any policy held by you.

If the rental agency does not accept this coverage and requires you to purchase another Rental Vehicle Damage policy, you must contact us or our authorized representative to obtain a refund. Requests received after the rental return date will require a copy of the rental invoice showing the charges for the additional insurance.

Rental Vehicle Damage Exclusions:

In addition to the General Limitations and Exclusions, the following exclusions apply to the Rental Vehicle Damage coverage. Unless otherwise specified below, these exclusions apply to you, your traveling companion, and family member. This benefit will not cover any loss for, caused by, or resulting from:

a. You or your traveling companion violating the rental agreement;
b. Rentals of heavy duty trucks, campers, trailers, off road vehicles primarily used for off-road purposes, motor bikes, motorcycles, recreational vehicles, or exotic vehicles;
c. Failure to report the loss to the proper local authorities and/or the rental car company;
d. Damage to any other vehicle, structure, or person as a result of a covered loss (i.e. liability coverage);
e. The decreased value of the vehicle as a result of the accident and the subsequent repairs;
f. Participation in contests of speed, motor sport or motor racing including training or practice for the same;
g. Gross negligence, or willful and wanton conduct by you;
h. Driving under the influence of alcohol;
i. A rental from any source other than a state or government appointed and licensed agency authorized to rent vehicles (where applicable);
j. Any obligation you or your traveling companion assume under any agreement except insurance collision deductible.

You must:

a. Take all reasonable, necessary steps to protect the rented vehicle and prevent further damage to it;
b. Report the loss to the appropriate local authorities and the rental company as soon as possible; and
c. Obtain all information on any other party involved in a traffic accident, such as name, address, insurance information, and driver’s license number.

If your loss is greater than two thousand dollars ($2,000) a deductible of two hundred fifty dollars ($250) will apply.

Rental Vehicle Damage Coverage Proof of Loss

You must provide us or our authorized representative with the following:

a. A copy of the rental contract;
b. A police, accident, or incident report which provides details of the event;
c. A copy of the repair estimate or invoice;
d. Pictures of the rented vehicle damage, including accident scene photos, if available; and
e. Proof of any payments made to the rental agency for the damage.

Effective Date

Rental Vehicle Damage coverage is effective when you sign the rental agreement and take possession of the rental vehicle provided the required cost has been paid on or before the date and time the rental agreement has been signed.

Termination Date

Rental Vehicle Damage coverage will end the earlier of:

a. The vehicle’s return to the rental agency; or
b. 11:59 P.M. on the rental return date.

If you extend the rental agreement, you must also contact us or our authorized representative on or before the rental return date to extend the Rental Vehicle Damage Coverage and pay the additional cost due. Otherwise this coverage will end on the original rental return date.

For purposes of this coverage, the following definition is added:

Exotic Vehicle means a vehicle over twenty (20) years old, or any vehicle with an original manufacturer’s suggested retail price greater than seventy-five thousand dollars ($75,000).

Rented vehicle means a vehicle rented or leased by you for 364 days or less, and for which a rented vehicle agreement is signed by you. Rented vehicle also includes a standard motorized golf cart.

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Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection
Policy Name and Summary of Coverage
9

ExactCare

Optional coverage

CAR RENTAL COLLISION COVERAGE

This Coverage applies only if You have elected this coverage and consideration of premium has been paid.

You are eligible for benefits up to the Maximum Limit, subject to the deductible, as indicated in Your Schedule if You rent a vehicle while on a Trip and the vehicle is damaged due to collision, vandalism, windstorm, fire, hail or flood, 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 vehicle is being repaired; or

b) the Actual Cash Value of the vehicle.

The Company will pay this benefit up to the Maximum Limit and subject to the Deductible shown in 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.

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

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10

ExactCare Value

Optional coverage

CAR RENTAL COLLISION COVERAGE

This Coverage applies only if You have elected this coverage and consideration of premium has been paid.

You are eligible for benefits up to the Maximum Limit, subject to the deductible, as indicated in Your Schedule if You rent a vehicle while on a Trip and the vehicle is damaged due to collision, vandalism, windstorm, fire, hail or flood, 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 vehicle is being repaired; or

b) the Actual Cash Value of the vehicle.

The Company will pay this benefit up to the Maximum Limit and subject to the Deductible shown in 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.

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.

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11

LuxuryCare

Optional coverage

CAR RENTAL COLLISION COVERAGE

This Coverage applies only if You have elected this coverage and consideration of premium has been paid.

You are eligible for benefits up to the Maximum Limit, subject to the deductible, as indicated in Your Schedule if You rent a vehicle while on a Trip and the vehicle is damaged due to collision, vandalism, windstorm, fire, hail or flood, 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 vehicle is being repaired; or

b) the Actual Cash Value of the vehicle.

The Company will pay this benefit up to the Maximum Limit and subject to the Deductible shown in 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.

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

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Generali Global Assistance
Generali Global Assistance
Policy Name and Summary of Coverage
12

Standard

Optional coverage

RENTAL CAR COVERAGE

This coverage is not available to Texas residents.

If you purchased this optional coverage and you rent a car while on your Trip and the car is damaged while in your possession due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in your control, or the car is stolen while in your possession and not recovered, we will pay, up to the amount in the Schedule, 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.

Coverage is provided to you and your Traveling Companion, provided you and your Traveling Companion 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 to or loss due to:

1. any obligation of you or a Traveling Companion or a Family Member traveling with you assumed under any agreement (except insurance collision deductible).

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, off-road, all-terrain, or recreational vehicles.

3. vehicles that are older than 20 years.

4. vehicles that have not been manufactured in the past 10 years.

5. vehicles that are rented for commercial or livery purposes, including but not limited to limousines.

6. vehicles that have a manufacturer’s suggested retail price of more than $75,000.

7. any loss that occurs if you or a Traveling Companion act with the intent to commit a crime or act in violation of the rental agreement.

8. failure to report the loss to the proper local authorities and the rental car company.

9. 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 with all documentation such as rental agreement, police report and damage estimate.

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13

Preferred

Optional coverage

RENTAL CAR COVERAGE

This coverage is not available to Texas residents.

If you purchased this optional coverage, and you rent a car while on your Trip and the car is damaged while in your possession due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in your control, or the car is stolen while in your possession and not recovered, we will pay, up to the amount in the Schedule, 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.

Coverage is provided to you and your Traveling Companion, provided you and your Traveling Companion 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 to or loss due to:

1. any obligation of you or a Traveling Companion or a Family Member traveling with you assumed under any agreement (except insurance collision deductible).

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, off-road, all-terrain, or recreational vehicles.

3. vehicles that are older than 20 years.

4. vehicles that have not been manufactured in the past 10 years.

5. vehicles that are rented for commercial or livery purposes, including but not limited to limousines.

6. vehicles that have a manufacturer’s suggested retail price of more than $75,000.

7. any loss that occurs if you or a Traveling Companion act with the intent to commit a crime or act in violation of the rental agreement.

8. failure to report the loss to the proper local authorities and the rental car company.

9. 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 with all documentation such as rental agreement, police report and damage estimate.

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14

Premium

$25,000 policy limit

RENTAL CAR COVERAGE

This coverage is not available to Texas residents.

If you rent a car while on your Trip and the car is damaged while in your possession due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in your control, or the car is stolen while in your possession and not recovered, we will pay, up to the amount in the Schedule, 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.

Coverage is provided to you and your Traveling Companion, provided you and your Traveling Companion 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 to or loss due to:

1. any obligation of you or a Traveling Companion or a Family Member traveling with you assumed under any agreement (except insurance collision deductible).

2. rentals of trucks, campers, trailers, motor bikes, motorcycles, off-road, all-terrain, or recreational vehicles.

3. vehicles that are older than 20 years.

4. vehicles that have not been manufactured in the past 10 years.

5. vehicles that are rented for commercial or livery purposes, including but not limited to limousines.

6. vehicles that have a manufacturer’s suggested retail price of more than $75,000.

7. any loss that occurs if you or a Traveling Companion act with the intent to commit a crime or act in violation of the rental agreement.

8. failure to report the loss to the proper local authorities and the rental car company.

9. 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 with all documentation such as rental agreement, police report and damage estimate.

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HTH Travel Insurance
HTH Travel Insurance
Policy Name and Summary of Coverage
15

TripProtector Preferred

$35,000 policy limit

COLLISION DAMAGE WAIVER

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 reimburse 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; or

c) The Maximum Benefit shown on the Confirmation of Coverage.

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

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.

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iTravelInsured
iTravelInsured
Policy Name and Summary of Coverage
16

Travel SE

$40,000 policy limit

RENTAL CAR DAMAGE AND THEFT COVERAGE

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, if Your Rental Car is damaged while on a Trip due to collision, theft, vandalism, Natural Disaster or any cause beyond Your control while in Your possession, or Your Rental Car is stolen and not recovered. Benefits will be paid for the lesser of:

a) reasonable and customary cost of repairs and rental charges imposed by the rental company while the vehicle is being repaired (i.e. “loss of use” charges); or

b) Actual Cash Value of the Rental Car, less its reasonable salvage value.

Exclusions:

In addition to the General Exclusions and Limitations, the following exclusions and limitations apply to the Rental Car Damage benefit. Unless otherwise shown below, these exclusions and limitations apply to You or Your Traveling Companion. Benefits are not payable for any loss due to, arising or resulting from:

1. any loss that occurs if You or anyone traveling with You are in violation of the Rental Car Agreement;
2. any obligation You or Your Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);
3. alcohol intoxication above the statutory legal limit allowed for operating a motor vehicle in the state or jurisdiction where You are located at the time of loss;
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. the decreased value of the vehicle as a result of the Accident and the subsequent repairs;
7. any loss as the result of or attributed to driving the Rental Car: while under the influence of alcohol, marijuana or any illegal substance or the abuse of a legal substance; while using any medication that recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;
8. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the Rental Car; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the Rental Car; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material;
9. participation in contests of speed, motor sport or motor racing including training or practice for the same;
10. gross negligence, or Willful and Wanton conduct by You or Your Traveling Companion.

The following condition applies: Coverage is provided to You or Your Traveling Companion, if the Rental Car is damaged while being operated by You or Your Traveling Companion at the time the damage occurs and must be listed on the Rental Car Agreement.

This coverage is primary to other forms of insurance or indemnity. We will pay first, but reserves the right to recover from the insurance carrier(s) of any other party involved in the Loss, other than the You. We will not take steps to recover from any policy held by You.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

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17

Travel LX

$40,000 policy limit

RENTAL CAR DAMAGE AND THEFT COVERAGE

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, if Your Rental Car is damaged while on a Trip due to collision, theft, vandalism, Natural Disaster or any cause beyond Your control while in Your possession, or Your Rental Car is stolen and not recovered. Benefits will be paid for the lesser of:

a) reasonable and customary cost of repairs and rental charges imposed by the rental company while the vehicle is being repaired (i.e. “loss of use” charges); or
b) Actual Cash Value of the Rental Car, less its reasonable salvage value.

Exclusions:

In addition to the General Exclusions and Limitations, the following exclusions and limitations apply to the Rental Car Damage benefit. Unless otherwise shown below, these exclusions and limitations apply to You or Your Traveling Companion. Benefits are not payable for any loss due to, arising or resulting from:

1. any loss that occurs if You or anyone traveling with You are in violation of the Rental Car Agreement;
2. any obligation You or Your Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);
3. alcohol intoxication above the statutory legal limit allowed for operating a motor vehicle in the state or jurisdiction where You are located at the time of loss;
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. the decreased value of the vehicle as a result of the Accident and the subsequent repairs;
7. any loss as the result of or attributed to driving the Rental Car: while under the influence of alcohol, marijuana or any illegal substance or the abuse of a legal substance; while using any medication that recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;
8. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the Rental Car; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the Rental Car; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material;
9. participation in contests of speed, motor sport or motor racing including training or practice for the same;
10. gross negligence, or Willful and Wanton conduct by You or Your Traveling Companion.

The following condition applies: Coverage is provided to You or Your Traveling Companion, if the Rental Car is damaged while being operated by You or Your Traveling Companion at the time the damage occurs and must be listed on the Rental Car Agreement.

This coverage is primary to other forms of insurance or indemnity. We will pay first, but reserves the right to recover from the insurance carrier(s) of any other party involved in the Loss, other than the You. We will not take steps to recover from any policy held by You.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

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18

Travel LX Basic

$40,000 policy limit

RENTAL CAR DAMAGE AND THEFT COVERAGE

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, if Your Rental Car is damaged while on a Trip due to collision, theft, vandalism, Natural Disaster or any cause beyond Your control while in Your possession, or Your Rental Car is stolen and not recovered. Benefits will be paid for the lesser of:

a) reasonable and customary cost of repairs and rental charges imposed by the rental company while the vehicle is being repaired (i.e. “loss of use” charges); or
b) Actual Cash Value of the Rental Car, less its reasonable salvage value.

Exclusions:

In addition to the General Exclusions and Limitations, the following exclusions and limitations apply to the Rental Car Damage benefit. Unless otherwise shown below, these exclusions and limitations apply to You or Your Traveling Companion. Benefits are not payable for any loss due to, arising or resulting from:

1. any loss that occurs if You or anyone traveling with You are in violation of the Rental Car Agreement;
2. any obligation You or Your Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);
3. alcohol intoxication above the statutory legal limit allowed for operating a motor vehicle in the state or jurisdiction where You are located at the time of loss;
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. the decreased value of the vehicle as a result of the Accident and the subsequent repairs;
7. any loss as the result of or attributed to driving the Rental Car: while under the influence of alcohol, marijuana or any illegal substance or the abuse of a legal substance; while using any medication that recommends abstinence from driving; in a speed competition; for compensation for hire; for illegal trade purposes, or transporting contraband;
8. any loss as the result of physical damage or loss attributed to: mechanical failure or breakdown of the Rental Car; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the Rental Car; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material;
9. participation in contests of speed, motor sport or motor racing including training or practice for the same;
10. gross negligence, or Willful and Wanton conduct by You or Your Traveling Companion.

The following condition applies: Coverage is provided to You or Your Traveling Companion, if the Rental Car is damaged while being operated by You or Your Traveling Companion at the time the damage occurs and must be listed on the Rental Car Agreement.

This coverage is primary to other forms of insurance or indemnity. We will pay first, but reserves the right to recover from the insurance carrier(s) of any other party involved in the Loss, other than the You. We will not take steps to recover from any policy held by You.

These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

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Nationwide Mutual Insurance Company
Nationwide Mutual Insurance Company
Policy Name and Summary of Coverage
19

Essential

Optional coverage

COLLISION DAMAGE WAIVEROPTIONAL UPGRADE

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 reimburse the lesser of:

a) The cost of repairs imposed by the rental company while the car is being repaired; or

b) The Actual Cash Value of the car; or

c) The Maximum Benefit shown on the Confirmation of Coverage.

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

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.

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20

Prime

Optional coverage

COLLISION DAMAGE WAIVEROPTIONAL UPGRADE

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 reimburse the lesser of:

a) The cost of repairs imposed by the rental company while the car is being repaired; or

b) The Actual Cash Value of the car; or

c) The Maximum Benefit shown on the Confirmation of Coverage.

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

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.

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Tin Leg
Tin Leg
Policy Name and Summary of Coverage
21

Luxury

Optional coverage

CAR RENTAL COLLISION COVERAGE

This Coverage applies only if You have elected this coverage and consideration of premium has been paid.

You are eligible for benefits up to the Maximum Limit, subject to the deductible, as indicated in Your Schedule if You rent a vehicle while on a Trip and the vehicle is damaged due to collision, vandalism, windstorm, fire, hail or flood, 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 vehicle is being repaired; or

b) the Actual Cash Value of the vehicle.

The Company will pay this benefit up to the Maximum Limit and subject to the Deductible shown in 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.

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

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Travel Insured International
Travel Insured International
Policy Name and Summary of Coverage
22

Worldwide Trip Protector Plus

$50,000 policy limit

RENTAL CAR DAMAGE

You are eligible for benefits up to the Maximum Benefit Amount shown in the Confirmation of Benefits, 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 in the Confirmation of Benefits.

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” means 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 antique or any car with a Manufacturers Suggested retail Price (MSRP) over $50,000.

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.

These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

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23

Worldwide Trip Protector

Optional coverage

OPTIONAL RENTAL CAR DAMAGE AND THEFT COVERAGE

We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, if Your Rental Car is damaged while on a Trip due to collision, theft, vandalism, Natural Disaster or any cause beyond Your control while in Your possession, or Your Rental Car is stolen and not recovered. Benefits will be paid for the lesser of:

a. reasonable and customary cost of repairs and rental charges imposed by the rental company while the vehicle is being repaired (i.e. “loss of use” charges); or

b. Actual Cash Value of the Rental Car.

Exclusions:

In addition to the General Exclusions and Limitations, the following exclusions and limitations apply to the Rental Car Damage benefit. Unless otherwise shown below, these exclusions and limitations apply to You. Benefits are not payable for any loss due to, arising or resulting from:

1. any loss that occurs if You or anyone traveling with You are in violation of the Rental Car Agreement;
2. any obligation You or Your Traveling Companion or Family Member traveling with You assumed under any agreement (except insurance collision deductible);
3. rentals of trucks, pickups, full-size vans mounted on truck chassis, heavy duty trucks, jeep-type vehicles, campers, trailers, motor bikes, motorcycles, off road vehicles, recreational vehicles or Exotic Vehicles;
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 Car: while under the influence of alcohol, marijuana or any illegal substance or the abuse of a legal substance; while using any medication that 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 Car; wear and tear, gradual deterioration, corrosion, rust or freezing; any neglect or abuse of the Rental Car; any dishonest act or conversion; any consequence of war (declared or otherwise); or contamination by a radioactive material.

The following condition applies: Coverage is provided to You, if the Rental Car is damaged while being operated by You at the time the damage occurs and must be listed on the Rental Car Agreement.
These benefit(s) will not duplicate any other benefits payable under the policy or any coverage(s) attached to the policy.

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Travelex Insurance Services
Travelex Insurance Services
Policy Name and Summary of Coverage
24

Travel Basic

Optional coverage

CAR RENTAL COLLISION COVERAGE

This Coverage applies only if You have elected this coverage and consideration of premium has been paid.

You are eligible for benefits up to the Maximum Limit, subject to the deductible, as indicated in Your Schedule if You rent a vehicle while on a Trip and the vehicle is damaged due to collision, vandalism, windstorm, fire, hail or flood, 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 vehicle is being repaired; or

b) the Actual Cash Value of the vehicle.

The Company will pay this benefit up to the Maximum Limit and subject to the Deductible shown in 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.

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

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TravelSafe
TravelSafe
Policy Name and Summary of Coverage
25

Basic

Optional coverage

OPTIONAL: RENTAL CAR DAMAGE

Optional Coverage: Applicable only if the appropriate additional premium has been paid.

You are eligible for benefits up to the Maximum Benefit Amount shown in the Confirmation of Benefits, 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 in the Confirmation of Benefits.

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, motorbikes, 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” means 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 antique or any other car with a Manufacturer’s 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.

These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

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26

Classic

Optional coverage

OPTIONAL: RENTAL CAR DAMAGE

Optional Coverage: Applicable only if the appropriate additional premium has been paid.

You are eligible for benefits up to the Maximum Benefit Amount shown in the Confirmation of Benefits, 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 in the Confirmation of Benefits.

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, motorbikes, 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” means 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 antique 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.

These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

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27

Classic Plus

Optional coverage

OPTIONAL: RENTAL CAR DAMAGE

Optional Coverage: Applicable only if the appropriate additional premium has been paid.

You are eligible for benefits up to the Maximum Benefit Amount shown in the Confirmation of Benefits, 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 in the Confirmation of Benefits.

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, motorbikes, 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” means 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 antique 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.

These benefits will not duplicate any other benefits payable under the Policy or any coverage(s) attached to the Policy.

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Trawick International
Trawick International
Policy Name and Summary of Coverage
28

Safe Travels Single Trip

Optional coverage

OPTIONAL RENTAL CAR DAMAGE

If You purchase this optional benefit, the following coverage is available to You. 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 reimburse 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;
c) The Maximum Benefit shown on the Schedule of Benefits.

An Insured must be a licensed driver and listed on the rental car agreement in order for coverage to apply.

You have the following duties in the event of Loss due to Rental Car Damage:

1. You must take all possible 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 the rental agreement, police report and damage estimate.

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29

Safe Travels First Class

Optional coverage

OPTIONAL RENTAL CAR DAMAGE

If You purchase this optional benefit, the following coverage is available to You. 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 reimburse 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;

c) The Maximum Benefit shown on the Schedule of Benefits.

An Insured must be a licensed driver and listed on the rental car agreement in order for coverage to apply.

You have the following duties in the event of Loss due to Rental Car Damage:

1. You must take all possible 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 the rental agreement, police report and damage estimate.

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30

Safe Travels Journey

Optional coverage

OPTIONAL RENTAL CAR DAMAGE

If You purchase this optional benefit, the following coverage is available to You. 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 reimburse 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;

c) The Maximum Benefit shown on the Schedule of Benefits.

An Insured must be a licensed driver and listed on the rental car agreement in order for coverage to apply.

You have the following duties in the event of Loss due to Rental Car Damage:

1. You must take all possible 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 the rental agreement, police report and damage estimate.

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31

Safe Travels Voyager

$35,000 per person

RENTAL CAR DAMAGE

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 reimburse 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;

c) The Maximum Benefit shown on the Schedule of Benefits.

An Insured must be a licensed driver and listed on the rental car agreement in order for coverage to apply.

You have the following duties in the event of Loss due to Rental Car Damage:

1. You must take all possible 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 the rental agreement, police report and damage estimate.

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USI Affinity Travel Insurance Services
USI Affinity Travel Insurance Services
Policy Name and Summary of Coverage
32

Diamond

$1,000 policy limit
$100 deductible per policy

RENTERS COLLISION INSURANCE

If You rent a car while on the Covered Trip, and the car, while in Your possession, is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control, 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; or

b) The Actual Cash Value of the car, meaning purchase price less depreciation; or© The amount shown on the Schedule of Benefits.

Coverage is provided to You and Your Traveling Companions, provided You and Your Traveling Companions are licensed drivers and are listed on the rental agreement.
You must perform the following duties in the event of loss:

a) Take all reasonable, necessary 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 reasonably possible;

c) Obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number; and

d) Provide Us with all documentation such as rental agreement, police report and damage estimate.

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