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Is Non-Owners Insurance Good for When You are Renting a Car?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 12/14/2011

Non-owners insurance extends to anything you drive that you do not own.

Yes, non-owners insurance can provide coverage for you when you are renting a car. This type of policy is specifically designed to cover vehicles that you do not own, which includes rental cars. To be sure of your coverage and what will extend from your non-owners policy, talk to your insurance company.

As with all insurance policies, there are some expenses associated from being in an accident in a rental car that will not be covered under your personal insurance policy. The biggest expense that is not covered by your personal insurance is the loss of use fee. This is a daily fee that the rental car agency will charge you for each day that the rental car is being repaired and cannot be rented out.

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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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