If you’re renting a car, it’s easy to assume your travel insurance will pay for every mishap. In practice, rental car cover usually depends on the type of loss (liability vs damage/theft), the policy wording (add-ons, rentals, and vehicle restrictions), and whether you followed the insurer’s steps after an incident.
This guide breaks down the moving parts so you know what to check before you buy, what to document after an accident or theft, and why claims sometimes get refused.