Increasing Loss of Use

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If you rely on your vehicle daily, additional Extension Loss of Use coverage can make your life easier. It covers the cost of replacement transportation if your vehicle can’t be driven, or is unsafe to drive, because it was stolen or damaged accidentally, regardless of fault. It is available for each claim you have where your vehicle is not driveable or needs repairs.

You can choose from three levels of Extension Loss of Use to suit your needs:

  • Extension Loss of Use Level 1 is suitable for renting an “economy” or “subcompact” vehicle.
  • Extension Loss of Use Level 2 is suitable for renting a “full-size” vehicle and may be enough to rent an SUV, a truck or a van.
  • Extension Loss of Use Level 3 is only available to customers with a motorcycle or moped policy and is suitable for renting a motorcycle, moped or full-size vehicle.

How it works

There is a coverage limit for each day under your Extension Loss of Use policy. If your vehicle rental doesn’t use up your daily limit, you can apply the rest to other rental company charges, such as gas, or the rental company’s insurance.

  • If your vehicle is damaged and driveable, coverage begins when you deliver your vehicle for repairs and ends when repairs are finished or you reach your coverage limit.
  • If your vehicle is damaged and undriveable, coverage begins immediately and ends when repairs are finished, your adjuster offers you a settlement for your vehicle or you reach your coverage limit.
  • Extension Loss of Use for an attempted theft loss begins immediately if the vehicle is not driveable. If the vehicle is still driveable, it begins when the vehicle is delivered for repair.
  • If your vehicle is stolen, coverage begins at 12:01 a.m. the day after you report to us or the police. Coverage ends when your vehicle is repaired, when you get your vehicle back undamaged or when you reach your coverage limit.

Coverage applies to rentals from a company whose business is renting vehicles. It does not apply to rentals from friends, family or other private persons. Some rental companies have age, credit card or driver-licensing requirements for renting their vehicles. You must still meet these requirements when renting a vehicle with an Extension Loss of Use policy.

Your rental vehicle will have the same basic insurance as any other rental vehicle. You can buy Rental Vehicle Insurance for any rental or buy the extra insurance offered by the rental company. Your credit card may also offer insurance.