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 $60,000
Bodily Injury - Per Person - CA Example: $30,000
Bodily Injury - Aggregate (Total Available Insurance Limit) - CA Example: $60,000
Property Damage - CA Example: $15,000

• 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 Collision 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 $1,000 deductible for an accident with another vehicle.

• Coverage is available for all private passenger vehicles that seat eight (8) people or fewer, excluding Excluded Vehicles.
• Rentals for use as rideshare (Uber, Lyft, etc.), delivery, courier (UberEats, GrubHub, Postmates, etc.), and other transportation networks are NOT included in coverage.
• Coverage included for peer-to-peer networks (Turo).
• Coverage is available in all U.S. states. Coverage NOT available for rentals originating in Pennsylvania. Coverage NOT available in Canada.
• 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 war, insurrection, confiscation, nuclear events, illegal acts, intoxicated persons, intentional damage, or mechanical issues.
• 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.

Rental Car Loss Damage Insurance (Loss Damage Waiver “LDW”) (policy in development)
The LDW rental car insurance offered on Bonzah covers up to $100,000 for rental car damage. Renters will be reimbursed up to the maximum benefit shown in the benefits schedule. There is no deductible for the LDW policy and single car accidents are included in the coverage.

• Coverage is available for all private passenger vehicles that seat eight (8) people or fewer, excluding 1) a High Value Motor Vehicle (value over $100,000) unless such vehicle is a Loaner Vehicle; 2) off-road vehicles; 3) trucks other than a four-wheeled pick-up truck; 4) recreational vehicles not licensed for use on public roads; 5) campers, motor homes, or trailers; 6) minibuses; 7) high performance vehicles with horse power greater than 400; 8) antiques (over 25 years old or not manufactured for the past 10 or more years); 9) limited edition; 10) exotic; 11) collector vehicles; or 12) vans designed for the transport of cargo, and other Excluded Vehicles.
• May exclude rentals for use as rideshare (Uber, Lyft, etc.), delivery, courier (UberEats, GrubHub, Postmates, etc.) and other transportation networks depending on policy variant.
• Coverage is available for all U.S. residents and covers trips worldwide.
• 21 minimum age.
• Valid for any driver with a domestic with a U.S. domestic residence
• Coverage is based on calendar day increments. For example, three (3) days of coverage purchased for July 1 at 10 AM means coverage ends on July 3 at 11:59 PM (all times local).
• Coverage includes vehicle theft.
• Coverage includes rental car damages from single-car accidents involving only the rental car.
• Does NOT include coverage for war, insurrection, confiscation, nuclear events, illegal acts, intoxicated persons, intentional damage, or mechanical issues.
• 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.

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

Rental Loss Damage Waiver Insurance (LDW) policy is valid on a per calendar day basis.

Coverage is based on calendar basis increments. For example, three (3) days of coverage purchased for July 1 at 10 AM means coverage ends on July 3 at 11:59 PM. July 1, July 2, and July 3, each being one (1) calendar day.

For all policies:
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 rental car reservation pickup date and time as indicated on the original rental car contract. Coverage must be purchased prior to the reservation pickup date and time. If the vehicle pickup is delayed until after the date and time indicated as the pickup time on the rental agreement, 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.

CDW, RCLI, SLI and PAI/PEI
The coverage coincides with the date and pick-up time on the rental contract with coverage in 24 hour increments. 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.

LDW
The coverage coincides with calendar days listed 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 until 11:59 PM the day of pickup and is valid from 12:00 AM to 11:59PM each additional day of coverage.

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 Warranty Insurance (CDW), Rental Car Loss Damage Waiver Insurance (LDW), 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 30 CONSECUTIVE days. All a renter needs to do is return to the bonzah.com website and purchase additional day(s) that are required and ensure the current policy hasn't yet expired (purchase must occur prior to the expiration of the current policy).

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.

The purchaser will be charged up to a $1,000 deductible for collision damage insurance (CDW) claims. There is a $0 deductible for any LDW and 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.

The Bonzah policies do not cover a vehicle with a value of $100,000 or greater.

Yes and No. Bonzah’s Renter’s Contingent Liability (RCLI), Supplemental Liability (SLI), and Loss Damage Waiver (LDW) policies, all cover damages resulting from a single-car accident.

Bonzah’s Collison Damage Warranty (CDW) excludes coverage for single-car accidents.

Yes and No.

Bonzah's Collision Damage Warranty (CDW) does not offer comprehensive insurance coverage. Comprehensive policies are typically the insurance policies that cover vehicle theft. It also does not cover single-car accidents.

Bonzah's Loss Damage Waiver (LDW) offers collision and limited comprehensive coverage and covers theft of the rental vehicle. It does cover single-car accidents.

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

Most U.S. residents can purchase rental car loss damage waiver insurance (LDW) plans for worldwide travel. Coverage excludes rentals for residents of some U.S. states.

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 Collision Damage Warranty Insurance (CDW)
The CDW policy costs $26.95 per 24 hours.

Rental Car Loss Damage Waiver Insurance (LDW)
The LDW policy costs from $9.60 to $42.80 per calendar day.

Supplemental Liability Insurance (SLI)
The Supplemental Liability Insurance coverage costs $11.20 per 24 hours.

Renter’s Contingent Liability Insurance (RCLI)
Primary liability coverage costs between $20.18 and $23.18 per 24 hours depending on state.

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 using the form available here. Loss Damage Waiver claims may have additional requirements.

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 for claims 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. It makes the process more efficient if the renter keeps 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 and No.

The Collision Damage Warranty (CDW), Renter's Contingent Liability Insurance, and Supplemental Liability Insurance will cover Turo, peer2peer, and shared rental cars.

The Loss Damage Waiver (LDW) is not eligible for use with Turo, peer2peer, and shared rental cars.

Loss of Use is not covered on the repair to the vehicle with CDW, RCLI, or SLI insurance. but we try very hard to ensure a claim is settled promptly.

Loss of Use may be covered on the repair to the vehicle with LDW insurance.