Orlando Harmon
Enterprise Rent-A-Car offers car rentals internationally, with corporate offices in the US, Canada, Germany, France, Spain, Ireland, and the UK. They offer several types of rental car insurance plans and protection products, including damage waiver insurance, supplemental liability protection, and roadside assistance. Personal auto insurance is not required to rent a car from Enterprise, and they are not qualified to evaluate the adequacy of the renter's existing coverage. The cost of car rental insurance from Enterprise varies depending on the location and type of vehicle, ranging from $5.99 to $15.67 per day in the US and £5.50 per day for a van in the UK.
| Characteristics | Values |
|---|---|
| Personal auto insurance required when renting a car | No |
| Car rental insurance available | Yes |
| Cost of PEC per day | $5.99 to $15.67 |
| Supplemental Liability Protection (SLP) limit | $300,000 |
| Excess Protection policy cost in the UK (for compact-sized vehicles) | £20.00 per day |
| Excess Protection policy cost in the UK (for Mini, Economy, Compact, Intermediate, and Standard cars) | £100 |
| Excess Protection policy cost in the UK (for other vehicles) | £250 |
| Third-party insurance companies available | Yes |
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What You'll Learn
Enterprise's car hire insurance
When renting a car from Enterprise, you are not required to purchase car rental insurance or to have your own personal car insurance. Enterprise offers several different types of car rental insurance plans and protection products to safeguard you and the vehicle in the event of a collision, theft, or other incidents. These include:
- Damage Waiver (DW): This is an optional protection plan that covers the cost of damage to or theft of the rental vehicle. The cost of DW varies by location and vehicle type, and you can find specific pricing by starting a reservation.
- Personal Effects Coverage (PEC): PEC is an optional add-on that insures the personal belongings of the renter, additional drivers, and passengers against loss or damage. The benefits are payable in addition to any other insurance coverage and can be purchased for an additional daily charge.
- Supplemental Liability Protection (SLP): SLP provides third-party liability protection up to $300,000. It is optional and may duplicate the renter's existing coverage, so renters should examine their personal insurance policies before purchasing.
- Collision Damage Waiver (CDW) and Liability Insurance: These are typically offered with Enterprise rentals, depending on the location. CDW insurance covers damage to the rental vehicle, while liability insurance provides coverage for third-party property damage or injuries.
- Excess Protection: This policy reduces the excess amount you are responsible for in the event of a claim. The cost varies by vehicle size.
- Roadside Assistance Protection (RAP): RAP covers the costs of tyre replacement, and repairs or replacement of the vehicle's glass.
The cost of Enterprise's car rental insurance and protection products can vary depending on the vehicle type and other factors. You can find pricing information on the rental confirmation page before finalizing your reservation. It is recommended to review the available options and choose the ones that best fit your needs.
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Personal auto insurance
When choosing an auto insurance policy, it is important to understand the different types of coverage available. Liability coverage, for example, helps pay for damages if you are at fault for an accident, including injury to people in other vehicles, damage to someone else's car or property, and personal items inside your vehicle. Other types of protection include personal injury protection, underinsured or uninsured motorist coverage, collision coverage, and comprehensive coverage.
You can obtain auto insurance quotes from various companies, such as Liberty Mutual and Nationwide, to compare prices and coverage options. These companies offer different ways to save money, such as bundling home and auto policies or offering discounts for safe driving. It is recommended to review your state's specific requirements and compare multiple quotes to make an informed decision about the most suitable auto insurance policy for your needs.
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Third-party insurance
When renting a car from Enterprise, customers are not required to have their own personal car insurance. Enterprise offers several car rental insurance plans and protection products, including Supplemental Liability Protection (SLP) and Damage Waiver (DW). SLP provides renters and authorized drivers with financial coverage of up to $300,000 for third-party liability claims resulting from bodily injury, death, or property damage. DW, on the other hand, is an optional purchase that waives the renter's responsibility for costs related to damage to, loss of, or theft of the rental vehicle.
The cost of SLP varies based on location, ranging from $5.99 to $20.75 per day. Similarly, the cost of DW depends on the rental location and vehicle type. Customers are advised to examine their personal insurance policies to avoid duplicate coverage before purchasing rental car insurance from Enterprise.
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Supplemental Liability Protection (SLP)
Enterprise Rent-A-Car offers several different types of car rental insurance plans and protection products to its customers. One such product is Supplemental Liability Protection (SLP). SLP is an optional product that can be purchased for an additional daily charge at the time of rental. The cost of SLP varies based on location, averaging between $8.44 and $20.75 per day.
If a renter accepts SLP, Enterprise provides third-party liability protection up to the applicable minimum financial responsibility limit. Additionally, a third-party insurance company provides excess third-party liability insurance coverage from the applicable minimum financial responsibility limit to $300,000. This coverage provides the renter and authorized drivers with up to $300,000 in combined single-limit coverage for third-party liability claims.
It is important to note that the coverage provided by SLP may duplicate the renter's existing coverage. Enterprise is not qualified to evaluate the adequacy of the renter's personal insurance policies or other sources of coverage. Therefore, renters are advised to examine their own insurance policies or other sources of coverage before purchasing SLP.
SLP is subject to the terms, conditions, provisions, limitations, and exclusions in the supplemental liability insurance excess policy. The purchase of SLP is not required to rent a car from Enterprise, and renters may wish to determine whether their personal insurance, credit card, or other coverage provides adequate protection during the rental period.
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Excess Protection
When renting a car from Enterprise, you are not required to have your own personal car insurance. The company offers several different types of car rental insurance plans and protection products to help protect you in the event of an accident. These include Supplemental Liability Protection (SLP), Damage Waiver, Personal Effects Coverage, and Roadside Assistance Protection.
One of the protection products offered by Enterprise is Excess Protection. This policy reduces the excess amount that you would have to pay in the event of a claim. In the UK, for example, the Excess Protection policy can reduce the excess amount to £100 for Mini, Economy, Compact, Intermediate, and Standard cars, and £250 for other vehicles. The cost of this policy varies by vehicle size and location, but as of April 2023, it would cost £20.00 per day for a compact-sized vehicle hired in the UK.
It is important to note that the availability and pricing of insurance and protection products can vary based on the type of vehicle and other factors. When renting a car from Enterprise, you can find the cost of optional insurance and protection products on the rental confirmation page before finalizing your reservation.
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Frequently asked questions
No, personal car insurance is not required when renting a car from Enterprise. They offer car rental insurance plans and protection products that can be purchased separately.
Enterprise offers CDW insurance and liability insurance with their vehicles, depending on the location. They also offer excess protection and roadside assistance protection (RAP).
The cost of Enterprise's car rental insurance, known as PEC, varies based on location and can range from $5.99 to $15.67 per day. Supplemental Liability Protection (SLP) is also offered at an additional daily charge.
Yes, it is recommended to contact your current automobile insurance company and your credit card company to understand if you are already covered for rental cars. Additionally, review the terms and conditions of Enterprise's rental insurance carefully to ensure you are aware of what is covered and what is not.
