Car Rental Insurance Options at SIXT

At SIXT rent a car, we offer an array of rental car protection options for every need. We make it easy to choose the coverage that is right for you with a guide featuring brief explanations of the different levels of protection. We aim to make your vacation or business trip as stress-free as possible. And if you have any questions not answered on this page, please don’t hesitate to contact us for more information.

Car Rental Protection Available at SIXT

Liability Coverage/Supplemental Liability Insurance (SLI)

Save yourself from worrying by purchasing the most basic level of coverage that we offer. The SLI protects you in the event of claims made by a third party for bodily injury and/or property damage sustained as the result of an accident while the renter is operating a rental vehicle. This coverage also supplies the renter with third-party liability protection of up to US $1 million per accident.  

Business Travel Protection

This Limited Supplemental Liability coverage is available only to government and registered corporate accounts. Please contact our Corporate Sales department for more information. 

Partial Damage Waiver (PDW/LC)

The Partial Damage Waiver removes the renter’s responsibility for the first US $500 of damage to or loss of the vehicle. The customer is held liable for any damage or loss exceeding $500. The PDW is not available in all states. 

Loss Damage Waiver (LDW)

The Loss Damage Waiver reduces the renter’s responsibility for a part of the vehicle in the event of damage or loss of the rental vehicle. If the LDW (including theft protection) is accepted, the renter has a $0.00 deductible. If the LDW is not accepted, the renter will be held liable for the full value of the vehicle.

Personal Accident Protection

The Personal Accident Insurance covers bodily injury to occupants of the rental vehicle. This protection does not cover everything and there may be exclusions.

Emergency Sickness Protection

Provides international renters with valid non-U.S. passports with coverage for medical expenses related to certain illnesses during the rental period for a maximum of 30 days. Not available in the states of Georgia and New York.

Roadside Assistance Protection (BC)

This service provides renters with 24/7 breakdown assistance (where available). It protects the renter against high service and repair costs for a variety of incidents including key lockout service, lost key or key fob, flat tire service, dead battery, towing, and breakdown caused by an empty fuel tank. The Roadside Assistance Protection is not insurance. All included services can only be ordered by a direct claim with Sixt 24-hour Roadside Protection.

Liability Roadside Assistance (LB)

A combination of the coverage and services offered under the Supplemental Liability Insurance and the Roadside Assistance Protection.


When you rent a car from SIXT, one of the things you will consider is what protection options to choose. In most cases, protection is not included in the rental price in the US. Maybe you’re wondering the difference between the types of protection offered or what is covered or would like to know how to deal with vehicle damages. In the unfotunate case that the rental car is damaged, visit our FAQ page on commercial claims.

Is coverage included in my rental booking?

Unless stated on the rental, coverage is not included.

Can I purchase insurance when I rent?

Sixt offers many optional products that will provide benefits for different types of situations you might encounter.  It is not required to purchase our optional products to rent a car.  Details can be found in the rental agreement terms and conditions that are provided when you rent.

What is the Premium Protection Plan?

At Sixt we recommend our Premium Protection Plan as a package with a discounted cost which eliminates damage responsibility to the rental car, provides $1M in primary liability coverage, covers you and your passengers for accidental death and medical expenses and extended roadside assistance.  The package includes the Loss Damage Waiver, Supplemental Liability Insurance, Personal Accident Insurance and extended roadside assistance products together with a discounted price.

What is Loss Damage Waiver (LDW)?

Loss Damage Waiver is not insurance. Loss Damage Waiver is an optional product which eliminates the customer's responsibility for loss of or damage to the rental vehicle, provided the vehicle is used in accordance with the terms of the rental agreement. Loss Damage Waiver has a $0 financial responsibility provided the vehicles is used in accordance with the terms and conditions of the rental agreement. Loss Damage Waiver may duplicate other coverage already available to you and is not required to rent a vehicle. Some locations may have a Partial Damage Waiver (PDW) where available will waive only $500 of damage to the rental vehicle.

Does the Loss Damage Waiver cover glass and tires?

Loss Damage Waiver (LDW) does cover damage to glass and damage to tires if the car is in an accident or collision. Certain exclusions apply.  Please see our Terms and Conditions for further details.

What is Supplemental Liability Insurance (SLI)?

Supplemental Liability Insurance provides excess liability coverage up to $1M for bodily injury and property damage sustained as a result of an accident while you are operating the “rental vehicle”. Adding this optional product will provide primary protection against using your own liability coverage up to $1M. This coverage may duplicate other coverage already available to you under other insurance available to you. The purchase of this insurance is not required to rent a vehicle.

What is the Personal Accident Insurance (PAI) option?

Personal Accident Insurance (PAI) as an optional product which would cover the renter 24 hours a day during the rental period and the passengers while they are in the rental vehicle for accidental death and medical benefits.  The purchase of this insurance is not required to rent a vehicle. Certain exclusions apply. Please see our Terms and Conditions for further details.

What is Extended Roadside Assistance?

Extended Roadside Assistance is an optional product which provides assistance for non-covered roadside items such as key lock out services, lost keys*, flat tire service, dead batter or out of gas issues. If the rental vehicle breaks down due to a mechanical issue, that would already be covered. This would provide assistance for non-covered events. Roadside assistance is not insurance and may duplicate other coverage already available to you and is not required to rent a vehicle.

 *For rentals with pick up locations in California and Nevada, Extended Roadside Assistance does not include replacement of loss keys or remote entry devices.

What if I am under 25 years of age, do I have to pay an extra fee to rent a car?

Certain car types are not allowed to be driven by any renter or additional driver under the age of 25.  If you rent a car which we allow renters 21-24 to drive (18 for New York locations) then you are required to pay an Age Excess Fee for being a young driver. This fee can range from $19.99 - $34.99 per day depending upon the reservation and car type.  Check the booking to identify the surcharge for the location and dates you are requesting.

What about second or additional drivers, are they covered?

All additional drivers need to be added to the Rental Agreement (RA) to ensure they are not in violation of the rental agreement terms and conditions.  They must qualify with the age requirements to drive the vehicle type rented and will benefit from any optional products and benefits purchased at Sixt.  A charge per day for every additional driver would be applicable where allowed by law. The prices for additional driver vary per state and length of rental so check the booking to identify the charge for the location and dates you are requesting. There is no charge for additional drivers in California but should be listed on the rental agreement to be authorized to drive.

What happens if the vehicle is damaged during my rental period?

If there is new damage that has occurred on the vehicle, this will be noted when the vehicle is returned.  Our claims department will investigate the damage claim and you will be charged the applicable cost of repair unless you purchased the Loss Damage Waiver optional product and complied with the rental terms and conditions.

When will I be charged the cost of repair for damaged to a vehicle?

Our Damage department will contact you as soon as they can to advise you of the details.

Can I use my own auto insurance for the rental car?

Yes, it is permitted to use your personal auto coverage for a rental vehicle.  Each policy is different, and it is best to contact your carrier to ensure you are covered for the type of vehicle you are renting.  It is also important that you consider what the cost would be out of pocket if you had damage and had to file a claim with your personal insurance. Your insurance carrier may be requested at time of rental.

What is loss of use?

When there is damage to a car and it needs to be repaired, in some states we can collect some monies because we were unable to rent the car for a period of time.  It’s possible that your personal insurance might not cover this charge, but you should always check directly with your auto insurance as we can not advise you on your own policy.

Can I use my credit card coverage for damages to the rental car?

Credit card auto rental coverage provided by various credit cards may provide some level of damage protection for the rental car.  Many credit cards provide secondary coverage which will require you first to file a claim with your personal auto insurance. Also credit card coverage may have limitations on the types of cars they could cover or the length of rental.  Please be sure to consider all the specific details if you want to rely on a product that is not offered by our company.

What if I buy car rental coverage when I book through another party like Expedia?

Purchasing car rental damage coverage through a 3rd party booking site may provide some level of coverage for damage to a rental car. Many policies through other sources may not have $0 financial responsibility and may not be primary to your personal auto insurance. Please be sure to consider all the specific details if you want to rely on a product that is not offered by our company.