Exotic Car Rental Insurance, Explained Simply

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 rely on your own personal auto insurance, or ask the concierge about the damage waiver offered with your booking. If your personal policy includes collision and comprehensive coverage, many 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, ask the concierge about the damage waiver offered with your booking and review its terms — coverage, limit, and deductible — in the written agreement.

What About Credit Card Coverage?

The Security Deposit

A refundable security hold is placed on a major credit card at delivery; the amount and the release timing after an undamaged return are confirmed in your quote and rental agreement. Ask the concierge about payment options before you book.

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.