Types of Car Rental Insurance You Should Know

April 22, 2022

Whether you’re renting a car for a calm road trip with family or business, you always need to think of insurance. What people find confusing is distinguishing the many types of insurance and their terms. There is no doubt that LDW, CDW, EP, LP, and SLI sound hard to get, but it’s essential to know these things. Car rental Dubai insurance is coverage you can purchase to protect your rented vehicle and yourself from damage or injury you might cause while driving.

Think no more about insurance after reading this overview of what you need to know. Ensure that you know these types of insurance when renting a car to make the right decision.

Collision Damage Insurance (CDI)

Collision Damage Insurance (CDI) or Collision Damage Waiver (CDW) are types of insurance that cover the damage made to the car. For example, scratches and dents are covered; theft and anything can also happen because of accidents. However, The covered parts are different depending on the rental company.

Supplemental Liability Insurance

Also called Liability Protection (LP) or Extended Protection (EP), These all fall under the third party insurance type. The insurance above covers personal and material damages made to other people’s cars, properties, and other medical matters. This also differs as the rental car agency determines its terms and policy.

Personal Accident Insurance (PAI)

In case of accidents, death, or need of medical care and ambulance, this type of insurance covers the renter and passengers. This type covers you if you become unable to work or have injuries, such as eyesight or hearing loss and fractured bones. This is like long-distance insurance, but it covers the meant ones only during the rental period.

Personal Effects Coverage (PEC)

Any damage or loss in any personal and valuable objects left in your car is covered by Personal Effects Insurance. This applies when the vehicle is in transit or the car rental office’s parking, not if parked in your own house. The word “personal” includes the renter and the direct renter’s family or those traveling with them.

What is Roadside Assistance?

Or it’s called Roadside Plus (RSP) since it’s not considered insurance, but only extra help if you encounter during your renting period:

  • Loss or damage of car keys
  • Keys were locked inside the car.
  • Flat tire
  • Rental car not starting
  • Car out of fuel

For example, if your keys got stuck inside, someone will be sent from the office holding a copy to help you out.

Why Do I Need Car Rental Insurance?

Most people worry about the insurance and its process; some find it a waste of money or something that doesn’t make sense. We can’t deny the importance of insurance, especially when driving abroad or parking on some new street. When hiring a car, always consider the insurance and keep your eyes on it. You won’t know what will happen. Being awake and ready for all incoming surprising events during your car rental journey is a strength. VIP Car rental keeps you up with the latest luxurious vehicles and safe optional insurances that won’t make you confused.


Carlos Diaz
I believe in making the impossible possible because there’s no fun in giving up. Travel, design, fashion and current trends in the field of industrial construction are topics that I enjoy writing about.

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