Loss of Use within a car rental policy

[SL6827]

When wanting to purchase extra insurance on a car rental that includes Loss of Use, what would the Loss of Use fall under with a policy? Would a rental agency sell you extra insurance without the Loss of Use provision included?

 

[DebbieB]

Check your credit card benefits.

 

[StageTek]

Yes, the Loss of Use can be purchased for your rental car.

Yes, rental agency can sell you extra insurance without the Loss of Use provision included?

 

[SL6827]

Yes, the Loss of Use can be purchased for your rental car.

Yes, rental agency can sell you extra insurance without the Loss of Use provision included?

That is what I thought. I want to make sure if we do decide to rent a car, that the LOU is included in a policy that we will buy through the acengy, and I was wondering what part of a policy it should be listed under.

 

[StageTek]

The very best thing you can do to make sure you get the coverage you want is to ask the agent at the counter when you pick up your car.

Each company has its own contract so I can't tell you exactly where to find what part of a policy the LOU is listed under.

 

[SL6827]

The very best thing you can do to make sure you get the coverage you want is to ask the agent at the counter when you pick up your car.

Each company has its own contract so I can't tell you exactly where to find what part of a policy the LOU is listed under.

Thanks. I will be studying this hard.

 

[sam_gordon]

The very best thing you can do to make sure you get the coverage you want is to ask the agent at the counter when you pick up your car.

Each company has its own contract so I can't tell you exactly where to find what part of a policy the LOU is listed under.

No way would I trust the desk agent on what the added insurance covers.

OP, if I was that concerned, I would first call my auto insurance company and find out if they sell a "temporary"/"rental car" policy. Maybe not, but never hurts to ask.

Then I would look at 3rd party. Allianz (who does a lot of trip insurance) offers rental car insurance. https://www.allianztravelinsurance....WJjhtLHpTVLSDETEyBh-oUpqg3-TzvNcaAvbsEALw_wcB

Also check, as others have mentioned, your credit card to see what, if any, they provide.

 

[Genie+]

No way would I trust the desk agent on what the added insurance covers.

OP, if I was that concerned, I would first call my auto insurance company and find out if they sell a "temporary"/"rental car" policy. Maybe not, but never hurts to ask.

Then I would look at 3rd party. Allianz (who does a lot of trip insurance) offers rental car insurance. https://www.allianztravelinsurance....WJjhtLHpTVLSDETEyBh-oUpqg3-TzvNcaAvbsEALw_wcB

Also check, as others have mentioned, your credit card to see what, if any, they provide.

I just looked up Allianz to cover our rental car April 18-25, 2026 and was quoted $104. Not bad! All things considered.

Went by 4 criteria - Within USA, travel dates, my age, my state of residence

It included Loss of Use:

 

[EACarlson]

I just looked up Allianz to cover our rental car April 18-25, 2026 and was quoted $104. Not bad! All things considered.

Went by 4 criteria - Within USA, travel dates, my age, my state of residence

It included Loss of Use:

View attachment 1036634

I get the same coverage by paying $20 and paying for the rental on one of my AMEX cards. You would also get the same coverage if you paid for the rental car with a Chase Sapphire Preferred or Reserve, or with a Capital One Venture X card.

 

[Lewisc]

Chase coverage is now secondary for NY residents.

 

[sam_gordon]

I get the same coverage by paying $20 and paying for the rental on one of my AMEX cards. You would also get the same coverage if you paid for the rental car with a Chase Sapphire Preferred or Reserve, or with a Capital One Venture X card.

And if the credit card one has doesn't provide that coverage?

 

[SL6827]

I have read nothing but good reviews of Allianz and that is who I will go with if we do rent a vehicle.

 

[sam_gordon]

I get the same coverage by paying $20 and paying for the rental on one of my AMEX cards. You would also get the same coverage if you paid for the rental car with a Chase Sapphire Preferred or Reserve, or with a Capital One Venture X card.

CapOne Venture X has a $395 annual fee.
Chase Sapphire Reserve is $795
Preferred is at least $95.

My CC (CapOne Venture Signature) is $59/year and has the coverage.


I do suggest OP check with their CC to confirm it's not included.

 

[DVC-Don]

Rental companies Rental Loss of Use clause has many loopholes the company can use to deny coverage. If the driver is found "at fault", or gets a ticket. Things like a turn that is prohibited via traffic laws or signs = coverage denied. As others have said check with your credit card as most will cover this.

 

[EACarlson]

CapOne Venture X has a $395 annual fee.
Chase Sapphire Reserve is $795
Preferred is at least $95.

My CC (CapOne Venture Signature) is $59/year and has the coverage.
View attachment 1036933

I do suggest OP check with their CC to confirm it's not included.

The difference is that your Venture coverage is secondary. The claim has to go through your personal insurance first. With the Sapphire cards, AMEX or Venture X, that coverage is Primary and your insurance company never has to be told.

 

[Lewisc]

The difference is that your Venture coverage is secondary. The claim has to go through your personal insurance first. With the Sapphire cards, AMEX or Venture X, that coverage is Primary and your insurance company never has to be told.

Sapphire is now secondary for NY residents.
Rental agencies are now using automated devices to charge for what used to be normal wear and tear. Primary is more important to me then ever