Enterprise Car Rentals: What Insurance Do I Need?

do i need insurance to rent from enterprise

If you're considering renting a car from Enterprise, you may be wondering about the insurance requirements. Well, you don't need your own car insurance to rent from Enterprise, as they provide their own insurance options for renters. This is good news for customers who don't own a vehicle, as they won't be prevented from renting due to a lack of personal insurance. Enterprise offers various protection products and insurance plans, including a damage waiver, personal accident coverage, supplemental liability protection, and roadside assistance. The cost of adding insurance can vary from $5 to $30 per day, depending on factors like the vehicle type, rental company, and location. So, if you're planning to rent from Enterprise, be sure to review their insurance options and choose the coverage that best suits your needs and preferences.

Characteristics Values
Proof of Insurance Not required
Own Car Insurance Not required
Cost of Insurance $5 to $30 per day
Age 25 years old
Young Driver's Fee Applicable if under 25
Insurance Coverage Damage waiver, personal accident, personal effects coverage, supplemental liability protection, roadside assistance protection

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Enterprise offers its own car insurance

When renting a car from Enterprise, you are not required to have your own personal car insurance. Enterprise offers its own car rental insurance plans and protection products to safeguard you and the vehicle in the event of a collision, theft, or other incidents.

Enterprise's car rental insurance options include:

  • Damage Waiver (DW): This is an optional protection plan that relieves you of financial responsibility for all or part of the cost of damage to, loss of, or theft of the rental vehicle. DW does not qualify as insurance and does not cover damage occurring in Mexico.
  • Supplemental Liability Protection (SLP): SLP provides additional liability coverage for third-party claims resulting from bodily injury, death, or property damage arising from the use of the rental vehicle. It offers a combined single limit of up to $300,000 per accident and is available for an additional daily charge. The coverage provided by SLP may duplicate your existing insurance coverage, so it is essential to review your personal insurance policies before purchasing SLP.
  • Personal Effects Coverage: This protects your personal belongings in the event of theft or damage while renting an Enterprise vehicle.
  • Roadside Assistance Protection: Enterprise offers roadside assistance to help with incidents such as lockouts, lost keys, or mechanical issues.

The cost of Enterprise's car rental insurance and protection products can vary based on the rental location, the type of vehicle, and other factors. It is recommended to review the available options and their associated costs before finalizing your rental agreement. Remember that purchasing rental car insurance is optional, and you can choose the level of coverage that best suits your needs and existing insurance coverage.

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You don't need your own insurance to rent from Enterprise

You don't need your own insurance to rent a car from Enterprise. This is because Enterprise provides its own car insurance for people looking to rent a car. This is to ensure that customers who don't own a vehicle can still rent a car.

Among the insurance Enterprise offers, you will find coverage options such as a damage waiver, personal accident and personal effects coverage, supplemental liability protection, and roadside assistance protection. The cost of adding insurance to your rental car can vary depending on the vehicle, rental company, and location. It typically costs $5 to $30 per day and could be worth it if you can't afford to pay for any damages to the rental out of pocket.

However, it is important to note that the information provided is based on the Enterprise Rent-A-Car insurance policy in the United States and Canada as of May 25, 2021. For the most current and accurate information, it is always recommended to check directly with Enterprise or a financial institution.

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Enterprise offers several types of optional rental insurance

You do not need your own insurance or proof of insurance to rent a car from Enterprise. This is because Enterprise provides its own car insurance for people looking to rent a car, which costs $5 to $30 per day, depending on the vehicle, rental company and location.

  • A damage waiver, which covers the cost of any damage to the rental car.
  • Personal accident coverage, which provides financial protection in the event of an accident.
  • Personal effects coverage, which protects your personal belongings in the rental car.
  • Supplemental liability protection, which provides additional liability coverage beyond the minimum required by law.
  • Roadside assistance protection, which offers assistance in the event of a breakdown or other roadside emergency.

It's important to note that the specific insurance options and coverage details may vary by location and vehicle, so it's always a good idea to check with Enterprise directly to understand the options available for your specific rental.

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The cost of adding insurance can exceed the daily rental cost

When renting a car from Enterprise, you are not required to purchase car rental insurance or protection products. However, if you are interested in purchasing rental car insurance, Enterprise offers several options for insurance and protection products at an additional cost.

The cost of adding insurance and protection products can vary depending on the type of vehicle rented and other factors such as location. For example, the cost of Personal Effects Coverage (PEC) ranges from $5.99 to $15.67 per day, while Supplemental Liability Protection (SLP) costs between $8.44 and $20.75 per day. These prices can exceed the daily rental cost of the vehicle, especially for shorter rental periods or when renting a lower-priced vehicle.

Roadside Assistance Protection (RAP) is another optional protection product offered by Enterprise. If added mid-rental, the vehicle must be inspected at a designated rental location before including RAP. The cost of RAP is not included in the total cost estimate quoted during the reservation process and is charged separately.

Damage Waiver (DW) is another optional protection product offered by Enterprise. The cost of DW varies by location and vehicle type and can be found by starting a reservation online. DW provides coverage for damage to, loss, or theft of the rental vehicle, subject to the terms and conditions in the rental agreement. Before purchasing DW, it is recommended to check with your insurance provider or credit card company to understand your existing coverage and out-of-pocket risk.

While the cost of adding insurance and protection products can exceed the daily rental cost, it is important to consider your individual needs and the level of coverage desired. Evaluating your existing insurance policies and coverage limits can help you make an informed decision about whether to purchase additional rental car insurance from Enterprise.

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Enterprise offers protection products like a damage waiver

Enterprise offers its customers a range of protection products and insurance options to provide financial security in the event of damage to or loss of a rental vehicle. One such product is the Damage Waiver (DW), which is available for an additional fee. This is not an insurance product, and purchasing it is entirely optional.

If you choose to purchase the Damage Waiver, Enterprise will waive your responsibility for all or part of the cost of damage to, or loss or theft of, the rental vehicle. This includes minor damage such as scratches, dents, or a chipped windshield. It is important to note that the Damage Waiver does not cover damage that occurs in Mexico.

Before deciding to purchase the Damage Waiver, it is recommended that you check with your insurance representative or credit card company to determine if you already have coverage for damage to a rental vehicle. Your existing coverage may duplicate the protection provided by the Damage Waiver.

In addition to the Damage Waiver, Enterprise offers other protection products such as Personal Effects Coverage (PEC), Supplemental Liability Protection (SLP), and Roadside Assistance Protection (RAP). PEC insures the personal belongings of the renter, additional drivers, and passengers against loss or damage, and the cost varies depending on the rental location. SLP provides coverage for third-party accident claims resulting from bodily injury or property damage arising from the use of the rental vehicle, excluding incidents in Mexico. RAP allows customers to waive financial responsibility for roadside incidents like lost keys, lockouts, and fuel outages.

Frequently asked questions

No, you don't need your own car insurance to rent a car from Enterprise. Enterprise provides its own car insurance for people looking to rent a car.

Enterprise offers a damage waiver, personal accident and personal effects coverage, supplemental liability protection, and roadside assistance protection.

It costs $5 to $30 per day to add insurance to a rental car, depending on the vehicle, rental company, and location.

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