The table below shows you at a glance which company provides the most comprehensive coverage for the Rental Car Damage element within your policy.

If you see a policy listed more than once, this means the policy offers different coverage for the residents of the states listed next to the policy name. Click the coverages listed below the table or the further research button to view more coverage tables. Remember, you are only a few quick questions away from an instant quote from all the major travel insurance providers.

View full coverage summary for Rental Car Damage for the policies below

APRIL Travel Protection
APRIL Travel Protection

1

Economy Plan
APRIL Travel Protection

Rental Car Damage Benefits
No coverage

Start a New Search

Full Policy Wording

There is no Rental Car Damage coverage with this plan.

2

VIP Plan
APRIL Travel Protection

Rental Car Damage Benefits
Optional coverage

Start a New Search

Full Policy Wording

RENTERS COLLISION INSURANCE

This coverage is Optional and must be shown on Your Schedule of Benefits.

If You rent a car while on the Covered 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, 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;

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

3

Multi-Trip Plan Universal
APRIL Travel Protection

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 is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control, while in Your possession, 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;

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

4

Multi-Trip Plan Elite
APRIL Travel Protection

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 is damaged due to collision, theft, vandalism, windstorm, fire, hail, flood or any cause not within Your control, while in Your possession, 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;

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

5

Choice
APRIL Travel Protection

Rental Car Damage Benefits
Optional coverage

Start a New Search

Full Policy Wording

RENTERS COLLISION INSURANCE

This coverage is Optional and must be shown on Your Confirmation of Benefits.

If You rent a car while on the Covered 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, 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;

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

The insurance provided by this Policy shall be in excess of all other valid and collectible insurance or indemnity. If at the time of the occurrence of any Loss there is other valid and collectible insurance or indemnity in place, We shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable Deductible.

AXA Assistance USA
AXA Assistance USA

6

Silver
AXA Assistance USA

Rental Car Damage Benefits
Optional coverage

Start a New Search

Full Policy Wording

RENTERS COLLISION INSURANCE

This coverage is Optional and must be shown on Your Confirmation of Benefits.

If You rent a car while on the Covered 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, 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;

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

The insurance provided by this Policy shall be in excess of all other valid and collectible insurance or indemnity. If at the time of the occurrence of any Loss there is other valid and collectible insurance or indemnity in place, We shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable Deductible.

7

Gold
AXA Assistance USA

Rental Car Damage Benefits
Optional coverage

Start a New Search

Full Policy Wording

RENTERS COLLISION INSURANCE

This coverage is Optional and must be shown on Your Confirmation of Benefits.

If You rent a car while on the Covered 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, 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;

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

The insurance provided by this Policy shall be in excess of all other valid and collectible insurance or indemnity. If at the time of the occurrence of any Loss there is other valid and collectible insurance or indemnity in place, We shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable Deductible.

8

Platinum
AXA Assistance USA

Rental Car Damage Benefits
Optional coverage

Start a New Search

Full Policy Wording

RENTERS COLLISION INSURANCE

This coverage is Optional and must be shown on Your Confirmation of Benefits.

If You rent a car while on the Covered 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, 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;

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

The insurance provided by this Policy shall be in excess of all other valid and collectible insurance or indemnity. If at the time of the occurrence of any Loss there is other valid and collectible insurance or indemnity in place, We shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable Deductible.

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.

CSA Travel Protection
CSA Travel Protection

10

Custom
CSA 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 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 all documentation such as rental agreement, police report and damage estimate.

Global Alert
Global Alert

11

Preferred Plus
Global Alert

Rental Car Damage Benefits
Optional coverage

Start a New Search

Full Policy Wording

RENTERS COLLISION INSURANCE

This coverage is Optional and must be shown on Your Confirmation of Benefits.

If You rent a car while on the Covered 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, 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;

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

The insurance provided by this Policy shall be in excess of all other valid and collectible insurance or indemnity. If at the time of the occurrence of any Loss there is other valid and collectible insurance or indemnity in place, We shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable Deductible.

HTH Travel Insurance
HTH Travel Insurance

12

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.

iTravelInsured
iTravelInsured

13

Travel Lite
iTravelInsured

Rental Car Damage Benefits
$40,000 policy limit

Start a New Search

Full Policy Wording

RENTAL CAR DAMAGE

You are eligible for benefits up to the Maximum Benefit Amount shown in the Declarations Page, 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 Declarations Page.

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 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.

14

Travel SE
iTravelInsured

Rental Car Damage Benefits
$40,000 policy limit

Start a New Search

Full Policy Wording

RENTAL CAR DAMAGE

You are eligible for benefits up to the Maximum Benefit Amount shown in the Declarations Page, 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;

the Actual Cash Value of the car; or

c. the amount shown in the Declarations Page.

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 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;

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.

15

Travel SE
iTravelInsured

Rental Car Damage Benefits
$40,000 policy limit

Start a New Search

Full Policy Wording

RENTAL CAR DAMAGE

You are eligible for benefits up to the Maximum Benefit Amount shown in the Declarations Page, 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;

the Actual Cash Value of the car; or

c. the amount shown in the Declarations Page.

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 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;

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.

16

Travel LX
iTravelInsured

Rental Car Damage Benefits
$40,000 policy limit

Start a New Search

Full Policy Wording

RENTAL CAR DAMAGE

You are eligible for benefits up to the Maximum Benefit Amount shown in the Declarations Page, 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;

the Actual Cash Value of the car; or

c. the amount shown in the Declarations Page.

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 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;

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.

17

Travel LX
iTravelInsured

Rental Car Damage Benefits
$40,000 policy limit

Start a New Search

Full Policy Wording

RENTAL CAR DAMAGE

You are eligible for benefits up to the Maximum Benefit Amount shown in the Declarations Page, 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;

the Actual Cash Value of the car; or

c. the amount shown in the Declarations Page.

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 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;

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.

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

18

Bronze
John Hancock Insurance Agency, Inc.

Rental Car Damage Benefits
Optional coverage

Start a New Search

Full Policy Wording

RENTERS COLLISION INSURANCE

This coverage is Optional and must be shown on Your Confirmation of Benefits.

If You rent a car while on the Covered 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, 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;

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

The insurance provided by this Policy shall be in excess of all other valid and collectible insurance or indemnity. If at the time of the occurrence of any Loss there is other valid and collectible insurance or indemnity in place, We shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable Deductible.

19

Silver
John Hancock Insurance Agency, Inc.

Rental Car Damage Benefits
Optional coverage

Start a New Search

Full Policy Wording

RENTERS COLLISION INSURANCE

This coverage is Optional and must be shown on Your Confirmation of Benefits.

If You rent a car while on the Covered 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, 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;

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

The insurance provided by this Policy shall be in excess of all other valid and collectible insurance or indemnity. If at the time of the occurrence of any Loss there is other valid and collectible insurance or indemnity in place, We shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable Deductible.

20

Gold
John Hancock Insurance Agency, Inc.

Rental Car Damage Benefits
Optional coverage

Start a New Search

Full Policy Wording

RENTERS COLLISION INSURANCE

This coverage is Optional and must be shown on Your Confirmation of Benefits.

If You rent a car while on the Covered 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, 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;

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

The insurance provided by this Policy shall be in excess of all other valid and collectible insurance or indemnity. If at the time of the occurrence of any Loss there is other valid and collectible insurance or indemnity in place, We shall be liable only for the excess of the amount of loss, over the amount of such other insurance or indemnity, and applicable Deductible.

RoamRight
RoamRight

21

Essential
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.

22

Preferred
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.

23

Elite
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.

24

Active
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.

25

Adventure
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;

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.

Seven Corners Inc
Seven Corners Inc

26

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.

27

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.

Travelex Insurance Services
Travelex Insurance Services

28

Travel Basic
Travelex Insurance Services

Rental Car Damage Benefits
Optional coverage

Start a New Search

Full Policy Wording

OPTIONAL TRANSPORTATION PAK

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

Rental Car Damage Benefits

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

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

Coverage is not provided for loss due to:

1. Any obligation of you or Travel Companion assume under any agreement (except insurance collision deductible).

2. Rentals of campers, trailers, off-road or motor bikes motorcycles, recreational vehicles or Exotic Vehicles.

3. Any loss which occurs if you or Travel Companion are in violation of the rental agreement.

4. Failure to report the loss to the proper local authorities and the rental car company. 5. Damage to any other vehicle, structure or person as a result of a covered loss.

Your Duties In The Event of a Loss:

1. Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

2. Report the loss to the appropriate local authorities and the rental company as soon as possible;

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

4. Provide us all documentation such as rental agreement, policy report and damage estimate.

29

Travel Max
Travelex Insurance Services

Rental Car Damage Benefits
$50,000 policy limit

Start a New Search

Full Policy Wording

Rental Car Damage Benefits

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

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

Coverage is not provided for loss due to:

1. Any obligation of you or Travel Companion assume under any agreement (except insurance collision deductible).

2. Rentals of campers, trailers, off-road or motor bikes motorcycles, recreational vehicles or Exotic Vehicles.

3. Any loss which occurs if you or Travel Companion are in violation of the rental agreement.

4. Failure to report the loss to the proper local authorities and the rental car company.

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

Your Duties In The Event of a Loss:

1. Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

2. Report the loss to the appropriate local authorities and the rental company as soon as possible;

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

4. Provide us all documentation such as rental agreement, policy report and damage estimate.

30

Travel Select
Travelex Insurance Services

Rental Car Damage Benefits
Optional coverage

Start a New Search

Full Policy Wording

OPTIONAL TRANSPORTATION PAK

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

Rental Car Damage Benefits

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

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

Coverage is not provided for loss due to:

1. Any obligation of you or Travel Companion assume under any agreement (except insurance collision deductible).

2. Rentals of campers, trailers, off-road or motor bikes motorcycles, recreational vehicles or Exotic Vehicles.

3. Any loss which occurs if you or Travel Companion are in violation of the rental agreement.

4. Failure to report the loss to the proper local authorities and the rental car company.

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

Your Duties In The Event of a Loss:

1. Take all reasonable, necessary steps to protect the vehicle and prevent further damage to it;

2. Report the loss to the appropriate local authorities and the rental company as soon as possible;

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

4. Provide us all documentation such as rental agreement, policy report and damage estimate.

TravelSafe
TravelSafe

31

Basic
TravelSafe

Rental Car Damage Benefits
Optional coverage

Start a New Search

Full Policy Wording

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 an 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 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.

32

Classic
TravelSafe

Rental Car Damage Benefits
Optional coverage

Start a New Search

Full Policy Wording

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 an 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 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.

33

Classic Plus
TravelSafe

Rental Car Damage Benefits
Optional coverage

Start a New Search

Full Policy Wording

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 an 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 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.

TripAssure
TripAssure

34

Bridge
TripAssure

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.

35

Complete
TripAssure

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.

36

Asset
TripAssure

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.