Allianz Insurance for Car Rentals: Complete 2023 Guide

Renting a car can be stressful enough without worrying about insurance. Allianz Global Assistance offers a simple car rental insurance product called OneTrip Rental Car Protector that provides primary coverage for rental cars worldwide. In this comprehensive guide, we’ll explain everything you need to know about Allianz rental car insurance.

Overview of Allianz OneTrip Rental Car Protector

• Provides collision, loss, and damage coverage up to $50,000. This acts as primary insurance, replacing the Collision Damage Waiver (CDW) from the rental company.

• Covers rental periods up to 35 consecutive days.

• Costs only $11 per calendar day – much less than daily CDW rates.

• Includes 24/7 emergency assistance services for help with things like translation, hospital transfers, lost travel documents, and more.

• Applies to most rental cars globally, with a few country restrictions.

• Can be purchased right on AllianzTravelInsurance.com or through independent travel agents.

• Covers additional drivers at no extra cost.

OneTrip Rental Car Protector provides peace of mind without the hassle of relying on your personal car insurance or paying inflated daily rates at the rental counter. Keep reading to learn more about this affordable insurance option.

What Does Allianz Rental Car Insurance Cover?

OneTrip Rental Car Protector includes these key benefits:

Collision Damage Waiver

• Covers damage to the rental vehicle up to $50,000 per policy period
• Acts as primary coverage
• Applies to theft, vandalism, or collision accidents

Trip Interruption

• Up to $1,000 per insured for transportation costs to return home if your trip is interrupted

Baggage Loss/Damage

• Up to $1,000 per insured for personal items stolen from the rental car

24-Hour Emergency Assistance Services

• Help locating medical and legal professionals
• Assistance with lost travel documents or luggage
• Translation services and message relay to family back home
• Help arranging hospital admission and medical transports

Towing Assistance

• Up to $100 per policy period

With Allianz protection, you can decline the Collision Damage Waiver from the rental company and save significantly. Your personal car insurance may offer secondary coverage, but Allianz becomes the primary insurer.

How Much Does Allianz Car Rental Insurance Cost?

The cost for Allianz OneTrip Rental Car Protector is just $11 per calendar day. This provides coverage for the entire rental period up to 35 consecutive days.

Compared to Collision Damage Waiver rates from rental companies that can be $15-30 per day, Allianz is generally 50-75% less expensive. For longer rentals, the savings really add up.

The low $11 daily rate applies per policy, so you get protection for additional authorized drivers at no extra cost.

You can also add supplemental liability protection for an additional $7 per day if you want expanded liability above state minimums.

Where is Allianz Car Rental Insurance Valid?

OneTrip Rental Car Protector provides primary coverage for car rentals in most countries worldwide. Select excluded areas include:

• Jamaica
• Ireland
• Israel
• Australia
• Italy
• New Zealand

When generating a quote online, you simply enter your destination country and it will indicate if there are any exclusions.

As long as you purchase coverage before leaving home, it’s valid in your destination country even if not available for purchase locally.

Does Allianz Insurance Cover International Car Rentals?

Yes, OneTrip Rental Car Protector covers rental cars globally in over 150 countries.

The benefits and $50,000 coverage limit apply worldwide, with just a few country exceptions.

Many car rental companies outside the US do not offer their own CDW coverage. Having primary Allianz protection gives peace of mind for overseas road trips where repair costs can be very high.

You also get worldwide emergency assistance from Allianz’s multilingual team regarding medical issues, travel delays, lost documents, and other issues when driving in unfamiliar areas.

Who Needs Extra Car Rental Insurance?

These types of travelers can really benefit from Allianz rental car protection:

• Frequent renters who want to avoid relying on credit card coverage

• Those who don’t have comprehensive/collision coverage on their personal auto policy

• International travelers concerned about road rules and driving conditions abroad

• Families needing roomy vehicles like SUVs and minivans that have expensive replacement costs

• Businesses renting cars for employees who may have accidents

• Vacationers going to remote areas on road trips

• Young drivers under 25 who can face surcharges on rental cars

• Anyone wanting to decline expensive CDW sold at rental counters

Even if you have some coverage through your own policy or credit card, OneTrip fills the gaps and makes sure you have primary protection. The small daily investment provides significant peace of mind.

What Damage is Not Covered by Allianz?

While OneTrip Rental Car Protector provides robust protection, there are some exclusions to be aware of, including:

• Damage within your home country – Only valid outside 100 miles from your primary residence

• Losses involving fraud, intentional acts, or criminal behavior

• Damage that occurs while driving under the influence of drugs or alcohol

• Losses resulting from any unauthorized driver not listed in the rental contract

• Damage related to off-road operation of the vehicle

• Mechanical failures or breakdowns

• Loss involving vehicles valued over $100,000

• Leases or mini-leases exceeding 17 days

It’s important to follow all terms of your rental contract and abide by all local laws when driving a rental car, even with protection in place.

Fililng a Claim with Allianz Car Rental Insurance

The claims process with OneTrip Rental Car Protector is straightforward:

• Gather documentation like rental agreements, police reports, receipts for expenses.

• Report the claim to Allianz within 45 days online or by phone.

• Allianz will work with the rental agency to assess damages and process payment directly to them.

• You will be responsible for paying your deductible amount ($250 per covered incident).

• If other costs are incurred like medical bills or trip interruption, submit receipts for reimbursement.

• Claims are typically resolved within 15 business days after submission of all details.

You can rest assured that Allianz has decades of experience handling millions of travel insurance claims. Their efficient claims teams will take care of the headaches so you can focus on getting back on the road.

Other Important Questions about Allianz Rental Car Insurance

Can I get a quote and buy it the day I pick up a rental car?

In most cases, no – OneTrip needs to be purchased and paid in full prior to your trip. It cannot be added after the rental period starts.

Does Allianz cover moving trucks or cargo vans?

No, rental coverage excludes moving and cargo vehicles. It also does not apply to exotic vehicles valued over $100,000.

Do I have to pay the deductible amount on a claim?

Yes, you will be responsible for a deductible that applies to covered damages or theft. The deductible is $250 per claim incident.

Who qualifies for Allianz car rental insurance?

It’s available to U.S. residents only. Travelers must be at least age 21 and hold a valid driver’s license.

Can I extend coverage if I need to keep the rental car longer?

Yes, you can easily extend your policy period as long as it does not exceed 35 consecutive days.

Does Allianz offer annual coverage for multiple rental cars?

No, the protection only applies to one specific rental period and vehicle. Annual plans that cover multiple rentals are not currently available.

Can I get a refund if I change plans and don’t need the rental car insurance?

Yes, as long as you have not filed a claim, you can receive a full refund within 10 days of purchase as long as your trip has not started.

The Bottom Line: Is Allianz Rental Car Insurance Worth It?

For most travelers, OneTrip Rental Car Protector provides excellent value and is worth the small daily investment. Key advantages include:

• Primary coverage that replaces more expensive CDW

• Applies to a wide range of rental vehicles

• Covers your additional drivers at no extra cost

• Includes useful emergency assistance services while traveling

• Easy claims process with direct billing to rental agencies

• Provides peace of mind driving in unfamiliar places

By getting coverage ahead of time through Allianz instead of at the rental counter, you’ll save money, avoid pressure sales, and know you have solid protection for your trip. With affordable pricing and helpful 24/7 assistance, OneTrip Rental Car Protector lets you hit the road with confidence.