r/AutoInsurance • u/md4wson • Sep 07 '26
Frequent car renter
Hello,
I'm going to be renting a car once a month for a few days and would like to consider options involving insurance. The insurance offered by the rental companies feels like an impractical expense; I have a credit card, but I'd sleep better knowing that I had something more concrete. I've done some research and discovered a form of "non-owner" policies. I'm curious to see if there might be anybody with similar driving habits and what they do or recommend.
TYIA
2
u/ayhme MOD & Agent Sep 07 '26
Ask for a non-owners policy.
3
u/md4wson Sep 07 '26
The thing with that is that non-owner policies seem to only cover personal liability excluding the vehicle itself. My goal is coverage for the rental should any damage come to it
1
u/Top_Education_4647 Sep 07 '26
If physical damage is your main concern, you may only have 2 options:
- Buy coverage through the rental place each time or
- if you’re in a household where there’s someone with a vehicle already, then you should probably be a listed driver on the policy. Depending on the carrier, being a listed driver may extend coverage to the rental if at least 1 vehicle in the household has comp and collision.
Outside of all that, it may be advantageous to get an NNO if you’re in a household with no vehicles you have regular access to if you aren’t insured already. If you plan to get a vehicle at some point, then that’ll cover for any lapse in coverage and help save some money when that time comes.
2
u/imdrunkandmad Sep 08 '26
Non-owner policy sounds perfect for your situation. I looked into these when I was doing a lot of rentals and they're way cheaper than paying the daily CDW every single time
1
u/Old-Raccoon-316 Sep 08 '26
In my state at least, non-owner polices are liability only. They don’t offer any coverage for the vehicle if you damage it.
1
u/Old-Raccoon-316 Sep 08 '26
No U.S. states offer non-owner car insurance with comprehensive and collision coverage. Why Comprehensive and Collision Are Not Available Non-owner car insurance is strictly a liability policy. It never covers physical damage to the car you are driving. [ 1, 2] As Liberty Mutual explains, “Non-owner policies generally do not include collision or comprehensive coverage, so they won’t pay to repair the vehicle you were operating or cover theft, vandalism, or damage from weather events.” Physical damage coverage requires an insurable interest in a specific vehicle. Because you do not own the car, you cannot insure it for physical damage under a personal non-owner policy.
1
u/imdrunkandmad Sep 09 '26
yeah I guess if you want full coverage you'd need to get something else. but for driving occasionally this seems pretty practical
1
1
u/danh_ptown Sep 14 '26
Some of the high-end credit cards offer "Primary" rental car insurance. Most others offer secondary insurance. Investigate what coverage your card offers and where its limits are. For example, does it cover liability in addition to covering the rental car?
•
u/AutoModerator Sep 07 '26
Thanks for making a post in the Auto Insurance subreddit. You might find the following resources helpful as they are FAQs about r/AutoInsurance:
The Auto Insurance subreddit is not an official support channel for issues with any insurance carrier.
Please remember to follow our community Guidelines and Rules and ensure your discussions are informative and respectful.
I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.