Insurance is the part of an exotic rental everyone finds confusing and nobody enjoys asking about. Here's the straight version of how it works with us — and what to check no matter who you rent from.
Your Two Options
You either use your own personal auto insurance, or you buy the rental company's damage waiver. If your personal policy includes collision and comprehensive coverage, most insurers extend it to rentals — including exotics. Call your agent before pickup and confirm two things: that rentals are covered, and that there's no exotic or high-value exclusion.
If you don't carry personal insurance, or your policy excludes high-value vehicles, our damage waiver covers up to $2M in physical damage for an additional daily fee, with a $5,000 deductible.
What About Credit Card Coverage?
The Security Deposit
We place a refundable hold on a major credit card at delivery — typically $2,500 to $10,000 depending on the vehicle. The hold releases within 5–10 business days of an undamaged return. Debit cards are accepted for the rental payment but a credit card is required for the deposit.
If Something Happens
Document everything. We photograph the car at delivery and at return, and we encourage you to do the same. Minor wear like light wheel scuffs is handled through the waiver deductible. Anything larger goes through insurance, and we help you through the paperwork — you're not on your own.
Quick Checklist Before You Book
- Call your insurer: confirm rentals are covered with no exotic exclusion.
- Ask your card issuer whether their coverage applies to exotic vehicles.
- Bring a credit card for the deposit and your driver's license.
- Photograph the car at delivery and return — we do too.
- Ask what the deductible is before you sign, not after.
Talk to Us
Still unsure which option fits your situation? Call our concierge — we'll walk through it in five minutes, no pressure.
