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FAQ Section > Car Hire Insurance Frequently Asked Questions > What car hire cover do I need in the USA and Canada?

If I purchase a Collision Damage Waiver and Supplementary Liability Insurance Policy, am I fully covered for car rental insurance in the USA and Canada?

We explain what kind of insurance you will need for car hire in the US and Canada, which companies offer this cover, and exactly what you will be insured against.

This policy will cover you for damage and theft of your rental car, and provide extra liability insurance which will 'top up' any liability insurance provided by your rental firm to at least US$1m. It fulfils the needs of the vast majority of car renters in the US and Canada. Conditions may apply which affect the level of cover provided, please visit our CDW/SLI policies page for more details.

Recently the states of California, Florida and Ohio (other states are following suit) have changed the rules and now it is the responsibility of the driver to make sure that they have adequate liability insurance and not the hire company. So it is possible you could rent a car in one of these states without any primary liability insurance being included and not be aware. If this is the case an SLI policy may only offer limited cover or provide no cover at all.

Always check your car hire to find out what insurance is included as US and Canadian hires purchased in the UK may have the main insurances included already (CDW, Theft and Third Party). Policies are also available for those just wanting Collision Damage Waiver cover.

As with any insurance policy there are always terms and conditions so do check these before purchase, especially if you plan to do anything out of the ordinary, such as cross border travel or hiring an expensive model.

Compare car hire insurance on the MoneyMaxim car hire insurance comparison service.

If you need our help with car hire insurance requirements in the USA then give us a call on 0118 321 8197.

This content was last reviewed on 16/10/2023

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