Secondary Car Rental Insurance When You Don't Have Insurance

Renting a car can be a daunting task, especially if you don't have insurance. Like a safety net, secondary car rental insurance can be a lifesaver. In this article, we'll explore what secondary car rental insurance is, what it covers, how much it costs, the benefits, and how to get it. So, buckle up and let's dive into the world of secondary car rental insurance.

What Is Secondary Car Rental Insurance

Secondary car rental insurance is a type of insurance coverage that provides financial protection if you don't have your own car insurance. This type of insurance is necessary for multi-day car rentals, as it provides extra coverage in the event of an accident or other emergency. Generally, secondary car rental insurance covers the costs of towing, repairs, and any third-party damages. It also covers the cost of a rental car in the event of a breakdown. Without this additional coverage, you're responsible for any damage or loss caused by an accident or other incident. You may also be liable for any legal costs associated with the incident. Additionally, secondary car rental insurance can cover your rental car in the event of theft or vandalism. It can also provide coverage for medical bills and other expenses in the event of an accident. All in all, secondary car rental insurance offers peace-of-mind and financial protection when you don't have car insurance of your own.

What Does It Cover

Secondary car rental insurance when you don't have your own covers a variety of accidents and incidents. Depending on the policy, it can provide coverage for collision damage, theft, property damage, and medical expenses. It can also provide coverage for towing, towing of personal items, and emergency medical expenses. Coverage limits and urgency requirements vary by policy, so it's important to read the fine print before signing up. There may be additional coverage options available at an extra cost.

It is important to note that secondary car rental insurance does not cover any damage to the rental vehicle caused by a driver who does not have a valid driver's license or who is under the influence of alcohol or drugs. It also does not cover any damage caused by reckless driving. Furthermore, it typically does not cover any injury or death resulting from an accident.

It is important to understand the coverage limits and urgency requirements of any secondary car rental insurance policy before signing up. It is also important to be aware of any additional coverage options that may be available at an extra cost. Being aware of all of the details will help ensure that you are covered if an accident or incident occurs while you are renting a car.

How Much Does It Cost

The cost of secondary car rental insurance depends on the policy and any additional coverage options chosen.  If you have an Amex credit card refer to Amex Platinum Rental Car Insurance. When renting a car, there are several cost factors that could affect the cost of secondary car rental insurance. These include the rental duration, the type of rental car, and the type of coverage purchased. Additionally, other factors such as the location of the rental, the age of the driver, and the type of driver license can all affect the cost of secondary car rental insurance.

Cost FactorsCost Impact
Rental DurationHigher cost for longer rental duration
Type of Rental CarHigher cost for luxury or exotic vehicles
Type of Coverage PurchasedHigher cost for more comprehensive coverage
Location of RentalHigher cost for rental in certain states
Age of DriverHigher cost for drivers under 25
Type of Driver LicenseHigher cost for international driver license

In general, secondary car rental insurance can be quite expensive, so it is important to shop around and compare different policies and coverage options to get the best deal. Additionally, some rental companies may offer discounts or special rates for customers who purchase additional coverage. It is important to research these deals to ensure you get the best coverage at the best price.

What Are the Benefits

Purchasing secondary car rental insurance can provide you with a variety of benefits. These include:

  • Financial security, as it will cover all costs associated with damages to your rental car due to an accident or theft.
  • Peace of mind, as you will not be financially liable for any damages that occur to your rental car.
  • You will be covered in case of an emergency, such as a breakdown or mechanical failure.
  • You will be able to make a claim in the event of an accident or theft, as the rental company will cover the costs.
  • You will be protected from any unforeseen circumstances, such as a natural disaster.

Having secondary car rental insurance will ensure that you are protected in the event of an accident or theft, and will provide you with financial security and peace of mind. It is also important to note that it is often cheaper to purchase a secondary insurance policy than to pay out of pocket for damages. As such, it is worth considering if you are looking for a way to protect yourself while travelling.

How to Get Secondary Insurance?

To ensure you're protected while travelling, it's worth looking into getting secondary car rental insurance. Most car rental companies offer primary car rental insurance as part of their services, however, it may not provide adequate coverage for some travelers. As such, it's important to consider getting secondary car rental insurance to supplement the primary policy. This type of insurance provides additional coverage for roadside assistance, coverage limits, and other types of risks.

Secondary car rental insurance is typically offered by third-party insurers. These insurers typically have websites that provide detailed information about the coverage and cost of their policies. It's important to compare different policies to determine which one best meets your needs.

Most insurers offer several types of policies, such as daily, weekly, and monthly plans. Prices for these policies vary depending on the coverage and duration of the policy. Be sure to read the policy carefully to understand the coverage limits and any exclusions.

You should also inquire about any discounts that may be available. Some insurers offer discounts for customers who purchase multiple policies or who have multiple vehicles. Additionally, customers who pay in full for the policy may be eligible for additional discounts.

Frequently Asked Questions

Is Secondary Car Rental Insurance Mandatory?

No, secondary car rental insurance is not mandatory. It provides additional liability protection and covers the cost of rental restrictions, but you must provide the required documents to benefit from it.

Does My Credit Card Provide Secondary Car Rental Insurance?

You may be able to save on rental costs by buying coverage from your credit card. Check with your card provider to find out if they offer secondary car rental insurance.

How Long Does Secondary Car Rental Insurance Last?

Secondary car rental insurance typically lasts until the car is returned and all costs are settled, including any legal obligations. It can have cost implications depending on the provider.

Does Secondary Car Rental Insurance Cover All Drivers?

"As the saying goes, 'you get what you pay for'; secondary car rental insurance may not cover all drivers and may have coverage limits. It is typically an affordable coverage option, but it is important to understand the details of the policy before making a decision."

Is Secondary Car Rental Insurance Valid in All States?

You can buy secondary car rental insurance, but its validity may depend on the rental restrictions in your state.


Having secondary car rental insurance can offer peace of mind when you don't have insurance. It's a modern-day knight in shining armor, coming to the rescue to cover the cost of any damages. It's affordable and easy to get - and you'll be glad you have it if an accident happens. Don't leave home without it!