Frequently Asked Questions

Rental Car Damage Insurance (CDW), Supplemental Liability Insurance (SLI), Renter’s Contingent Liability Insurance (RCLI), and Personal Accident Insurance (PAI) policies are valid on per 24 hour basis.

Coverage is based on 24-hour increments. For example, three (3) days of coverage purchased for July 1 at 10 AM means coverage ends on July 4 at 10 AM. Returns after 10 AM on July 4 would incur an extra day of insurance. (all times local).

Coverage is limited to trips up to a maximum of 30 days.

Insurance coverage must be purchased before the rental period begins. The rental period is defined as starting at the reservation date and time. Coverage must be purchased prior to the reservation date and time. If the vehicle pick-up is delayed until after the date and time of reservation, the delay does not change the start time of the coverage. If the vehicle is picked up or driven prior to the reservation date and time coverage is null and void.

Renter’s Contingent Liability Insurance (RCLI) – State Minimum Primary Liability
The RCLI policy covers the statutory state minimum liability as primary coverage. See each state limit here.

• RCLI is primary rental car liability insurance that covers the state minimum insurance requirements in all U.S. states (coverage varies by state). NOT available for rentals originating in Pennsylvania.

   Example of coverage for California:
   Aggregate Coverage of $30,000
   Bodily Injury - Per Person - CA Example: $15,000
   Bodily Injury - Aggregate (Total Available Insurance Limit) - CA Example: $30,000
   Property Damage - CA Example: $5,000

• Coverage is available for all private passenger vehicles that seat eight (8) people or fewer and excludes luxury and exotic vehicles. Rentals for use as rideshare (Uber, Lyft, etc.), delivery, courier (UberEats, GrubHub, Postmates, etc.), and other transportation networks NOT included in coverage.
• Coverage is available in all U.S. states and Canada. Coverage NOT available for rentals originating in Pennsylvania.
• 21 minimum age.
• Valid for any driver with a domestic or international driver’s license or international driver’s permit available in English.
• Coverage is based on 24-hour increments. For example, three (3) days of coverage purchased for July 1 at 10 AM means coverage ends on July 4 at 10 AM. Returns after 10 AM on July 4 would incur an extra day of insurance. (all times local)
• Does NOT cover damage to the rental car itself. Rental car coverage is Collision Damage Warranty (CDW).
• All losses must be reported within 30 days of the date of loss.

Supplemental Liability Insurance (SLI)
The SLI policy sold by Bonzah covers up to a maximum combined (not in addition to the state minimum) limit of $500,000 in Supplemental Liability Insurance per accident, with a limit of $100,000 per person per accident, and up to $10,000 in property damage. The property damage limit is an addition to the state minimum property damage limit.

Supplemental Liability Insurance is in excess of any and all other applicable insurance, including, but not limited to, personal auto insurance or corporate auto insurance designed to provide coverage for individual renters/drivers.

• Coverage is available for all private passenger vehicles that seat eight (8) people or fewer and excludes luxury and exotic vehicles. Rentals for use as rideshare (Uber, Lyft, etc.), delivery, courier (UberEats, GrubHub, Postmates, etc.), and other transportation networks NOT included in coverage.
• Coverage is available in all U.S. states and Canada. Coverage NOT available for rentals originating in Pennsylvania.
• 21 minimum age.
• Valid for any driver with a domestic or international driver’s license or international driver’s permit available in English.
• Coverage is based on 24-hour increments. For example, three (3) days of coverage purchased for July 1 at 10 AM means coverage ends on July 4 at 10 AM. Returns after 10 AM on July 4 would incur an extra day of insurance. (all times local)
• Does NOT cover damage to the rental car itself. Rental car coverage is CDW.
• All losses must be reported within 30 days of the date of loss.

Rental Car Damage Insurance (Collision Damage Warranty “CDW”)
The CDW rental car insurance offered on Bonzah covers up to $35,000 for rental car damage due to a collision with another vehicle. Renters will be reimbursed up to the maximum benefit shown in the benefits schedule less a $500 deductible for an accident with another vehicle.

• Coverage is available for all private passenger vehicles that seat eight (8) people or fewer, excluding luxury and exotic vehicles. Rentals for use as rideshare (Uber, Lyft, etc.), delivery, courier (UberEats, GrubHub, Postmates, etc.), and other transportation networks NOT included in coverage.
• Coverage is available in all U.S. states. Coverage NOT available for rentals originating in Pennsylvania. Coverage NOT available in Canada.
• A travel distance of more than 50 miles from the renter’s residence is required.
• 21 minimum age.
• Valid for any driver with a domestic or international driver’s license or international driver’s permit available in English.
• Coverage is based on 24-hour increments. For example, three (3) days of coverage purchased for July 1 at 10 AM means coverage ends on July 4 at 10 AM. Returns after 10 AM on July 4 would incur an extra day of insurance. (all times local)
• Does NOT include vehicle theft.
• Does NOT include coverage for rental car damages from single-car accidents involving only the rental car.
• Does NOT include coverage for non-rental car damages due to liability by the renter.
• All losses must be reported within 30 days of the date of loss.

Personal Accident Insurance (PAI)
The PAI rental car insurance offered on Bonzah covers up to $50,000 for renter loss of life, $5,000 for passenger loss of life, and $1,000 for accidental medical expenses. The policy also covers up to $500 in personal effects coverage (see limitations). Up to a $25 deductible will be applied.

The coverage coincides with the date and pick-up time on the rental contract. If the rental car contract says the pick-up time is 1:00 PM, then the coverage starts at that time and is valid for a 24-hours.

Insurance coverage must be purchased before the rental period begins.

Yes, but the purchase of coverage must be made before taking possession of the car.

Rental Car Damage Insurance (CDW), Supplemental Liability Insurance (SLI), Renter’s Contingent Liability Insurance (RCLI), and Personal Accident Insurance (PAI)

Coverage may be extended via the www.bonzah.com website for up to a combined total of 28 CONSECUTIVE days. All a renter needs to do is return to the bonzah.com website and purchase new policies for the additional period(s) that are required and ensure the current policy hasn't yet expired (purchase must occur prior to the expiration of the current policy). A NEW photo inspection at the time of extension is required at an additional fee.

Each “extension” of duration constitutes the issuance of a new policy and must begin when the current policy expires and is not technically an “extension” as Bonzah insurance policies are exclusively for auto rentals legally defined as “short-term” only.

Insurance coverage must be contiguous over the entire rental period for coverage to be valid. Any lapse in coverage during the duration of the entire rental period (original rental period and all extensions) may render the entire policy null and void.

Yes, as long as coverage is canceled before the rental period begins. Please click here and send a written request to cancel the plan. Please include the Bonzah Order Number (BORD).

The purchaser will be charged up to a $500 deductible for collision damage insurance (CDW) claims. There is a $0 deductible for any liability (RCLI and SLI) claims. There is up to a $25 deductible for any PAI claims.

Yes. The CDW covers up to $35,000 in damage to the rental car. There is the potential for loss for the fleet owner (you) for any vehicle worth or any rental vehicle damages costing more than $35,000. For example, if the vehicle is worth $40,000 and declared a total loss, you may not be able to recover the $5,000 difference. However, there may be ways to recover that amount if the renter has some other sort of insurance that isn’t excluded from the purchase of the CDW policy, credit card policies, the counterparty to the accident (if they are at fault), and their insurance.

Yes and No. Bonzah’s Renter’s Contingent Liability and Supplemental Liability policies, both cover damages resulting from driver liability in a single-car accident.

Bonzah’s Collison Damage excludes coverage for single-car accidents.

No. Bonzah does not offer comprehensive insurance. Comprehensive policies are typically the insurance policies that cover vehicle theft. Comprehensive insurance is typically not offered in the rental car industry.

Bonzah offers a collision damage policy. This policy covers the rental car when the rental car has a collision with another vehicle. It does not cover single-car accidents.

Residents of any country can purchase rental car damage insurance (CDW) plans provided the trip takes place in the U.S. Coverage excludes rentals originating in Pennsylvania.

Residents of any country can purchase Supplemental Liability Insurance (SLI), provided the trip takes place in the U.S. and Canada. Coverage excludes rentals originating in Pennsylvania.


Renter’s Contingent Liability Insurance (RCLI) can also be purchased by residents of any
country provided the trip takes place in only the U.S. and Canada. Coverage excludes rentals originating in Pennsylvania.

Any foreign driver’s license or international driving permit must be immediately available in English to be valid for coverage.

All eligible drivers are covered at no extra cost.

An eligible driver is at least 21 years of age, has a valid driver’s license or international driver’s permit (available in English), and is included in the rental car agreement. For international drivers, a valid driving license and/or international driving permit must be available in English.

The minimum age for Bonzah insurance is 21 years old.

Rental Car Damage Insurance (CDW)
The CDW policy costs $21.95 per 24 hours.

Supplemental Liability Insurance (SLI)
The Supplemental Liability Insurance coverage costs $11.90 per 24 hours.

Renter’s Contingent Liability Insurance (RCLI)
Primary liability coverage costs $14.88 per 24 hours.

Personal Accident Insurance (PAI)
Personal accident coverage costs $6.90 per 24 hours.

To make a claim, you will need to send us all relevant information to [email protected].

Required information is listed below:
1. Signed car rental agreement (copy) including rental start and end times. REQUIRED
2. Copy of the police report if another car is involved in an accident (details of other driver required on the police report). REQUIRED
3. Damage estimates for injuries to persons or damage to property. REQUIRED
4. Copy of a current auto insurance policy and/or copy of the credit card agreement used for rental. (If applicable)
5. Take photos of the scene at the time of claim/accident/incident and have a description of the circumstances. REQUIRED.
6. Bonzah will pass on relevant information to our 3rd party adjuster.
7. The adjuster will approve or deny the claim and the amount.

It depends on the claim, but it takes 4 – 6 weeks to pay out on average.

Bonzah uses a third-party adjuster because it provides the most transparency and fairness. The disadvantage is that Bonzah doesn’t control the process or outcomes of the claims process.

Yes, it could be. Some claims get paid out without photos and other information, but to increase the probability and timeliness of the payout, always include photos.

Remember, the rental car and insurance policy is in the name of the renter. It is in their best interest to provide you and us with this information as the renter may be liable for the cost of damages if they return a car damaged and insurance denies a claim. There may be ways to incentivize renters to do this. For example, you could include an accident processing surcharge in your contract if the renter fails to provide adequate information.

Yes, they should keep records of the accident, and they should be available should someone involved in the claims process need them.

Payment options include Visa, Mastercard, American Express, Discover, JCB, Diners Club, China UnionPay, and debit cards.

Yes. The Damage Coverage (CDW) and  Supplemental Liability Insurance will cover Turo, peer2peer, and shared rental cars.

Loss of Use is not covered on the repair to the vehicle, but we try very hard to ensure a claim is settled promptly.