When renting a car, one of the most important—and often confusing—decisions is whether to purchase insurance. While rental car agencies offer their own coverage, it can be expensive and may not provide the flexibility you need. Fortunately, alternative options, such as coverage provided through RentalCover and Lentil, are making rental car insurance more affordable, transparent, and tailored to your needs.
If you’re planning your next trip, here’s what you need to know about rental car insurance and why this alternative coverage might be the perfect fit for you.
What Does Rental Car Insurance Cover?
Rental car insurance policies offered by traditional rental agencies like Hertz, Avis, or Budget usually fall into four main categories:
Collision Damage Waiver (CDW)/ Loss Damage Waiver (LDW)
- Covers damage to the rental car in case of an accident or collision.
- Often comes with exclusions for certain types of damage, such as tires, undercarriage, or windshield cracks.
Liability Insurance
- Covers damages or injuries you might cause to others or their property while driving the rental car.
- Typically required by law, but coverage limits can vary widely.
Personal Accident Insurance
- Provides medical coverage for you and your passengers in case of an accident.
Personal Effects Coverage
- Covers theft or damage to personal belongings left in the rental car.
These agencies often charge $10 to $30 per day for Collision Damage Waiver (CDW) coverage, and even more for additional protections like liability or personal accident insurance. Over the course of a week, this can add hundreds of dollars to your trip. Worse, their coverage may include high deductibles, restrictive terms, and limited benefits, leaving you with unexpected expenses if an accident occurs.
At Lentil, we believe renting a car should be easy, affordable, and stress-free and one way of doing that is by choosing a smarter insurance option, so you can focus on enjoying your trip.
That’s where RentalCover comes in—a trusted, budget-friendly alternative designed specifically for renters who want peace of mind without the steep price tag.
Why Consider Alternative Rental Car Insurance?
Unlike traditional rental agency policies, the coverage offered through RentalCover is straightforward, affordable, and packed with features that prioritize your needs as a renter. Here’s what sets it apart:
1. Comprehensive Protection with a $0 Deductible
With a $35,000 coverage limit, you’re protected against a wide range of potential costs without having to pay a deductible. This means that if an incident occurs, you won’t have to dip into your savings to cover out-of-pocket expenses.
2. Primary Coverage
This insurance acts as primary coverage, so you won’t need to file a claim with your personal auto insurance unless your costs exceed the $35,000 limit. This is especially helpful for protecting your personal policy from rate increases after an accident.
3. Damage-Related Charges Covered
In addition to collision damage, the policy also covers other charges rental agencies may impose, such as loss of use fees, towing expenses, and administrative fees, ensuring you’re not caught off guard.
4. Protection for All Licensed Drivers on the Rental Agreement
Coverage extends to all licensed drivers listed on your rental agreement, giving you the flexibility to share driving responsibilities with friends or family.
5. Broad Range of Incidents Covered
From collisions and theft to vandalism, natural disasters, and other causes beyond your control, this policy ensures you’re protected during your rental period.
6. Hassle-Free Purchase and Claims Process
You can purchase coverage quickly online, and the claims process is streamlined to save you time and stress.
How Does It Compare to Agency Insurance?
Here’s a quick side-by-side comparison:
| Feature | RentalCover | Traditional Agency Coverage |
| Daily Cost | $8–$12 per day | $10–$30 per day |
| Deductible | $0 | $500–$2,000 |
| Primary Coverage | Yes | No |
| Coverage Limit | $35,000 | Varies |
| Fees Covered (e.g., loss of use) | Yes | Often excluded |
| Drivers Covered | All listed drivers | Primary renter only |
Did we mention that RentalCover is compatible with almost ALL rental car companies WORLDWIDE!
With its affordable pricing, comprehensive protection, and user-friendly process, RentalCover provides a smart alternative to traditional rental car insurance. Whether you’re exploring the lush landscapes of the U.S. Virgin Islands or embarking on a cross-country road trip, having the right insurance ensures you can focus on the journey—not the “what ifs.”
How to Get Covered
Before picking up your next rental car, visit rc.xcvr.co/lentil to learn more about your options and purchase your policy. The process is quick, and your coverage will be ready to go by the time you arrive at the rental counter.
Explore this affordable, hassle-free insurance option through Lentil and RentalCover and drive with confidence knowing you’re fully protected—without overpaying.
Do you have questions about rental car insurance or need help choosing the right coverage? Share your thoughts and experiences in the comments below!
