Rental Car Damage Full Policy Wording

Each policy’s Rental Car Damage coverage is detailed below. View the coverage summary here.

April Travel Protection
April Travel Protection

1

Choice
April Travel Protection

Rental Car Damage Benefits

Optional coverage

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Full Policy Wording

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.

2

Choice
April Travel Protection

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

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.

3

Annual Plan
April Travel Protection

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

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.

Arch RoamRight
Arch RoamRight

4

Essential
Arch RoamRight

Rental Car Damage Benefits

Optional coverage

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Full Policy Wording

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.

5

Preferred
Arch RoamRight

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

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.

AXA Assistance USA
AXA Assistance USA

6

Gold
AXA Assistance USA

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

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.

7

Platinum
AXA Assistance USA

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

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.

battleface
battleface

8

Adventure Travel Single Trip
battleface

Rental Car Damage Benefits

Optional coverage

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Full Policy Wording

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.

Berkshire Hathaway Travel Protection
Berkshire Hathaway Travel Protection

9

ExactCare
Berkshire Hathaway Travel Protection

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

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.

10

ExactCare Value
Berkshire Hathaway Travel Protection

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

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.

11

LuxuryCare
Berkshire Hathaway Travel Protection

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

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.

Generali Global Assistance
Generali Global Assistance

12

Standard
Generali Global Assistance

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

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.

13

Preferred
Generali Global Assistance

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

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.

14

Premium
Generali Global Assistance

Rental Car Damage Benefits

$25,000 policy limit

Start a New Search

Full Policy Wording

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.

HTH Travel Insurance
HTH Travel Insurance

15

TripProtector Preferred
HTH Travel Insurance

Rental Car Damage Benefits

$35,000 policy limit

Start a New Search

Full Policy Wording

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.

John Hancock Insurance Agency, Inc.
John Hancock Insurance Agency, Inc.

16

Bronze
John Hancock Insurance Agency, Inc.

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

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

c) 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.

The following is added to SECTION VI – GENERAL LIMITATIONS AND EXCLUSIONS:

The following exclusions apply to Renters Collision Insurance:

We will not pay for any loss involving or attributable to, in whole or in part, the following:

1. Any obligation You assume under any agreement (except insurance collision Deductible);

2. Rentals of trucks, campers, trailers, off-road vehicles, motor bikes, motorcycles, recreational vehicles, limousines or other commercial 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 company;

5. Damage to any other vehicle, structure or person as a result of a covered Loss;

6. Glass damage;

7. Overhead damage;

8. Tire damage;

9. Antique motor vehicles;

10. Any contents in the rental car;

11. Any Loss as the result of physical damage or loss attributable to mechanical breakdown or failure, wear and tear, gradual deterioration, corrosion, rust or freezing or any neglect or abuse of the vehicle by You.

12. Confiscation or expropriation by order of any government

17

Silver
John Hancock Insurance Agency, Inc.

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

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

c) 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.

The following is added to SECTION VI – GENERAL LIMITATIONS AND EXCLUSIONS:

The following exclusions apply to Renters Collision Insurance:

We will not pay for any loss involving or attributable to, in whole or in part, the following:

1. Any obligation You assume under any agreement (except insurance collision Deductible);

2. Rentals of trucks, campers, trailers, off-road vehicles, motor bikes, motorcycles, recreational vehicles, limousines or other commercial 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 company;

5. Damage to any other vehicle, structure or person as a result of a covered Loss;

6. Glass damage;

7. Overhead damage;

8. Tire damage;

9. Antique motor vehicles;

10. Any contents in the rental car;

11. Any Loss as the result of physical damage or loss attributable to mechanical breakdown or failure, wear and tear, gradual deterioration, corrosion, rust or freezing or any neglect or abuse of the vehicle by You.

12. Confiscation or expropriation by order of any government

18

Gold
John Hancock Insurance Agency, Inc.

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

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

c) 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.

The following is added to SECTION VI – GENERAL LIMITATIONS AND EXCLUSIONS:

The following exclusions apply to Renters Collision Insurance:

We will not pay for any loss involving or attributable to, in whole or in part, the following:

1. Any obligation You assume under any agreement (except insurance collision Deductible);

2. Rentals of trucks, campers, trailers, off-road vehicles, motor bikes, motorcycles, recreational vehicles, limousines or other commercial 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 company;

5. Damage to any other vehicle, structure or person as a result of a covered Loss;

6. Glass damage;

7. Overhead damage;

8. Tire damage;

9. Antique motor vehicles;

10. Any contents in the rental car;

11. Any Loss as the result of physical damage or loss attributable to mechanical breakdown or failure, wear and tear, gradual deterioration, corrosion, rust or freezing or any neglect or abuse of the vehicle by You.

12. Confiscation or expropriation by order of any government

Nationwide Mutual Insurance Company
Nationwide Mutual Insurance Company

19

Essential
Nationwide Mutual Insurance Company

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

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.

20

Prime
Nationwide Mutual Insurance Company

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

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.

Seven Corners Inc
Seven Corners Inc

21

RoundTrip Choice
Seven Corners Inc

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

COVERAGE J

OPTIONAL RENTAL CAR DAMAGE

You are eligible for benefits up to the Maximum Benefit Amount shown in the Schedule 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 Schedule 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.

22

RoundTrip Economy
Seven Corners Inc

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

OPTIONAL RENTAL CAR DAMAGE

You are eligible for benefits up to the Maximum Benefit Amount shown in the Schedule 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 Schedule 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.

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.

23

RoundTrip Elite
Seven Corners Inc

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

OPTIONAL RENTAL CAR DAMAGE

You are eligible for benefits up to the Maximum Benefit Amount shown in the Schedule 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 Schedule 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.

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.

Tin Leg
Tin Leg

24

Luxury
Tin Leg

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

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.

Travelex Insurance Services
Travelex Insurance Services

25

Travel Basic
Travelex Insurance Services

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

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.

26

Travel Select
Travelex Insurance Services

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

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.

TravelSafe
TravelSafe

27

Basic
TravelSafe

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

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.

28

Classic
TravelSafe

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

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.

29

Classic Plus
TravelSafe

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

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.

Trawick International
Trawick International

30

Safe Travels Single Trip
Trawick International

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

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:

- The cost of repairs and rental charges imposed by the rental company while the car is being repaired; or
- The Actual Cash Value of the car; or
- 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:

- You must take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;
- You must report the Loss to the appropriate local authorities and the rental company as soon as possible;
- You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;
- You must provide the Company all documentation such as rental agreement, police report and damage estimate.

31

Safe Travels First Class
Trawick International

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

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:

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

The Actual Cash Value of the car; or

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:

You must take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

You must report the Loss to the appropriate local authorities and the rental company as soon as possible;

You must obtain all information on any other party involved in an Accident, such as name, address, insurance information and driver’s license number;

You must provide the Company all documentation such as rental agreement, police report and damage estimate.

32

Safe Travels Journey
Trawick International

Rental Car Damage Benefits

Optional coverage

Start a New Search

Full Policy Wording

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.

33

Safe Travels Voyager
Trawick International

Rental Car Damage Benefits

$35,000 per person

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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.

USI Affinity Travel Insurance Services
USI Affinity Travel Insurance Services

34

Diamond
USI Affinity Travel Insurance Services

Rental Car Damage Benefits

$1,000 policy limit
$100 deductible per policy

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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.