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Thrifty Rental Car Insurance

Renting a car with Thrifty and looking for answers on rental car insurance options? You’ve come to the right place. For peace of mind in case the unexpected happens, Thrifty offers additional insurance and protection packages that are available for purchase with your rental reservation.

Rental Car Insurance Overview

At times, these optional products may duplicate coverage provided by your personal automobile insurance or insurance you may have through another source. Consider speaking with your personal automobile insurance company to get the full details on your rental car coverage. Purchase of optional products is not required to rent a vehicle with Thrifty. Representatives at all Thrifty locations would be happy to answer any insurance questions that you may have regarding your rental, and separate brochures that summarize the optional products are also available at all locations.

Loss Damage Waiver (LDW)

  • Covers all vehicle damage to Thrifty rental car, regardless of fault*, provided the renter is not in violation of the Rental Agreement
  • No need to file a claim with your personal auto insurance
  • No deductible for you to pay to Thrifty

Personal Protection Package (PPP)

Personal Protection Plan ("PPP") includes Personal Accident Insurance ("PAI") and Personal Effects Insurance ("PEI"). Where offered, they must be purchased together.

PAI provides benefits to you and your passengers for:

  • Accidental medical expenses
  • Ambulance expenses
  • Accidental death benefits during the rental
  • 24hr coverage during the rental period, whether in vehicle or not
  • Passengers in a Thrifty vehicle are only covered for accidents occurring while they occupy the Thrifty vehicle

PEI insures the personal effects of:

  • The renter
  • Any member of the renter's immediate family traveling with the renter
  • A member of a renter's immediate family must permanently reside in the renter's household
  • The total maximum coverage is $1,500
  • PEI pays covered claims even if the renter's homeowner's policy provides coverage

Protection Plus (Canada)

In Canada, where available, if you purchase Protection Plus ("PP"), it will provide limited benefits to the authorized driver and passengers of the vehicle during the rental for:

  • Accidental medical expenses
  • Ambulance expenses and accidental death
  • Repatriation
  • Rehabilitation
  • Legal defense
  • Emergency road service
  • Mechanical breakdown towing benefits
  • Loss to personal belongings if certain terms and conditions are met

Supplemental Liability Insurance (SLI)

If accepted, SLI provides the renter or any additional authorized driver listed in the rental agreement with automobile liability coverage against third party claims for bodily injury, including death, and property damage resulting from an automobile accident in the Thrifty vehicle, during the rental period, in excess of the coverage provided under the rental agreement up to a maximum protection of $1,000,000 combined single limit (CSL) per occurrence.

Uninsured Motorist Protection (UMP)

Uninsured and Underinsured Motorist Protection ("UMP") is a companion product to Supplemental Liability Insurance ("SLI.") UMP provides coverage for injuries and damages caused by an owner or driver of an uninsured or underinsured third party vehicle. UMP can only be purchased with SLI.





Car Rental Insurance FAQs

Do you really need insurance on a rental car?

When you rent a car, it can be difficult to know if you need rental insurance coverage. Be sure to check your personal car insurance policy beforehand to see what your coverage provides for rentals to make sure you are getting all the protection you need. If your personal car insurance policy provides adequate coverage for rental cars, you may not need rental car insurance.

What does AMEX cover for rental car insurance?

Your AMEX card could provide some rental car coverage. AMEX provides collision damage to the rented vehicle but does not cover such things as injuries to you, any passenger in your insured vehicle, injury to other persons, or damages to other vehicles. This benefit does not apply to some rental vehicles, including full-sized or cargo vans, commercial mini-vans, etc. Check your policy with AMEX for full details, and to make sure you are fully covered, consider looking into Thrifty coverage options like SLI and PPP.

Is insurance included in car rental?

No, insurance is not included in your standard rental agreement. Thrifty offers many different protection plans that can be purchased in addition to your rental reservation.

Are rental cars covered by my insurance?

This varies on a case-by-case basis. The best thing to do is to personally check with your insurance representatives or credit card company to see if your auto policy provides rental car coverage.

What kind of insurance should I take if I rent a car?

Depending on what rental car insurance coverage your current auto insurance policy provides, you may want to purchase additional protection policies through Thrifty to make sure that you, your loved ones, your belongings, and your rental vehicle are all covered during the time of your rental.

Do you have to show proof of insurance when renting a car?

No proof of insurance is required at time of rental.







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*In IL, for a vehicle with an MSRP of $50,000 or less, your responsibility for loss or damage due to causes other than theft will not exceed 17,500 through May 31, 2017 and will increase by $500 per year starting June 1, 2017. Your responsibility for theft will not exceed $2000 unless you fail to use ordinary care or aid in the commission of the theft. For a vehicle with an MSRP of more than $50,000, your responsibility for loss or damage due to causes other than theft, and for theft, will not exceed $40,000 through September 30, 2016, which limit will increase by $2500 per year starting October 1, 2016. In CA, NY, IA and NV, you are only responsible for theft if it results from your fault.


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