Bonzah is a leading provider of car rental damage and liability insurance. Licensed in all 48 US states, Bonzah provides customers with affordable insurance options directly at the time of booking, reducing the complexity of securing coverage. Bonzah simplifies the insurance process for both travelers and car rental providers, delivering peace of mind and operational efficiency through innovative, integrated solutions.
Bonzah currently offers renters daily auto rental insurance options. We also have referral relationships with rental fleet insurers.
Auto rental insurance is personal insurance purchased as part of a rental transaction by renters of automobiles to protect rental cars and damaged third parties. These plans typically are purchased in daily or 24-hour increments and for a duration that matches the rental car contract. For example, if a rental contract is for five days, renters purchase five days of insurance.
Auto rental fleet insurance is commercial insurance purchased by auto rental companies to protect their fleet of cars on or near their lot and when operated by employees. These plans are typically purchased annually. Auto fleet coverage may extend to renters, but rental operators want to avoid renter claims on company insurance.
Please see our presentation for more information: Bonzah Insurance Basics
Bonzah allows some liberties here, but we think the most important information to convery to rental customers is:
- Name of the policy and its acronym : E.g., "Collision Damage Waiver (CDW)"
- The italicized description. E.g., "Covers damages to the rental vehicle when there is an accident with another vehicle."
- Values. E.g., "$35,000 in rental car coverage" or "Up to state minimum requirements for liability coverage."
- What is not covered. E.g., "Renter may still be liable for any damage done to third parties" or "Does not cover damage to the rental vehicle"
Covers physical damages to the rental vehicle when there is an accident with another vehicle.
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Up to $35,000 Damage
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Up to $1,000 Deductible
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Primary Insurance for accidents between vehicles
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Does not cover non-rental vehicle damage
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Excludes medical, PIP, UIM, UM, and comprehensive coverage, such as mechanical issues caused by misuse, theft, vandalism, single car accident.
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Not for commercial use. Not compatible with cars for hire and delivery services such as Uber, Lyft, DoorDash.
Covers damage to 3rd parties' property and injury when renter is at fault in accident. Does not cover rental vehicle damage or occupants (where allowed by law).
- Primary insurance for non-rental car damages when the renter is at fault in an accident.
- Covers the legal state minimum liability requirements. Coverage amount varies based on the state.
- Bodily Injury Claims - Up to the legal state minimum requirements per person and total.
- Property Damage - Up to the legal state minimum requirements.
- Does not cover damage to the rental vehicle.
- Excludes medical, PIP, UIM, and UM where allowed by law
- Not for commercial use. Not compatible with cars for hire and delivery services such as Uber, Lyft, DoorDash
- Description of Coverage
Coverage is in Excess of Any Other Primary Coverage
- SLI must be used in conjunction with RCLI, a "primary insurance". SLI is not "standalone insurance".
- Secondary insurance for accidents between vehicles.
- Excess coverage up to $100,000 per person and up to $500,000 in total.
- Excess Property Damage up to $10,000 beyond any primary coverage. (Coverage amount varies based on the state.)
- Does not cover rental vehicle damage.
- Excludes medical, PIP, UIM, and UM where allowed by law
- Not for commercial use. Not compatible with cars for hire and delivery services such as Uber, Lyft, DoorDash.
- SLI is an optional insurance for those who want more extensive coverage.
- Description of Coverage
Covers life, medical expenses, and lost or damaged items. Personal Accident Insurance is not auto rental insurance.
- Renter Loss of Life - $50,000
- Passenger Loss of Life - $5,000
- Accidental Medical Expense - $1,000
- Personal Effects Coverage - $500
- Does not cover damages to the rental vehicle.
- Description of Coverage
Recommended for International Drivers and Domestic Drivers who do not own a vehicle. Combines Primary Rental Vehicle Coverage (CDW) + 3rd Party Liability Coverage (RCLI)
Combines RCLI + SLI for complete 3rd Party Liability Coverage