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Primary vs. Secondary Coverage

Do you understand the difference between primary and secondary rental car insurance?

What exactly is primary insurance versus secondary insurance – and how does this question pertain to rental car insurance? Let’s start with the basic definitions according to the National Association of Insurance Companies.

Primary insurance is the first layer of property or liability coverage carried by the policy holder that provides benefits up to the limits of a policy regardless of other insurance policies in effect. Secondary insurance, often referred to as “excess insurance”, is a form of property or liability insurance that requires you to use all of your applicable primary insurance benefits first before paying any claim benefits.

Insurance policies sold directly by certain rental car companies often act as secondary, or excess, insurance. These types of insurance policies consider your personal auto insurance policy as your primary insurance policy.  So, in the event of an accident you may have to file a claim with your personal auto insurance company first and pay the deductible. Secondary insurance then steps in to fill the gap between losses covered by your personal auto insurance policy and the actual losses to the rental car, barring any policy exclusions. Be sure to read the fine print of the insurance policies sold by rental car companies before you buy it.

Sound confusing?  You're not alone.  More than 60% of respondents failed to correctly answer some of the most basic insurance coverage related questions in an Insurance IQ survey by the National Association of Insurance Commissioners (source: Call us toll free at 1-855-PYB-TRIP (1-855-792-8747) Monday to Friday between 9AM and 9PM ET or Saturday and Sunday between 9AM and 6PM ET.  We’ll answer your rental car damage insurance related questions before your next trip.

What makes Protect Your Bubble’s Rental Car Insurance Different?

  • We help you save on your damage insurance – You’ll get great insurance for your rental car at a fraction of the price of the other guys with coverage for only $7.99 per day. Other places could charge you over four times that amount for less coverage.
  • We don’t charge a deductible – A $0 deductible means no out-of-pocket costs for you if something happens on your trip.
  • We keep things flexible – Our rental car insurance works wherever you go, domestically or internationally, and we can offer coverage any time before you leave for your trip. And, we’ll reimburse your plan costs if you have to cancel your trip – giving you coverage you can count on.
  • We ask only what we need to know – Do you ever wonder why you have to tell someone your life story just to get insurance for a rental car? The truth is you don’t.  We take a “just the facts” approach and only ask questions that actually need answers. 

What do I get with Rental Car Insurance from Protect Your Bubble?

  • Up to $35,000 in Primary Rental Car Damage Coverage
  • Coverage for damage and theft for your rental car
  • Protection for your baggage and personal items (up to $500)
  • 24/7 Emergency Assistance services

Rental car insurance from Protect Your Bubble covers your rental car against damage due to damage, theft, vandalism, windstorm, fire, hail, flood, or any cause not in your control. It is terrific damage coverage if you are looking for basic protection.  The insurance does not cover any bodily liability or damage caused to any other vehicles, structures, or people.

How do I get started?

Get started with a rental car insurance quote today. If you need some time to mull it over, you can cancel your insurance and receive a full refund as long as you haven’t departed for your trip or filed a claim.


Coverage is only available to US residents.

Please review plan specifics carefully. Limitations and exclusions apply. For more information please review the Description of Coverage/Policy by State by clicking on “View Sample Plan”. This coverage is not available to residents of Montana. Rental car insurance covers the rental car only and does not cover any bodily injury, liability or damage caused to any vehicles, structures or people. This protection is for covered trips. You must be on a trip to a destination at least 100 miles from your residence for business or pleasure. Your coverage ends when you return from your destination.

Please review the DOC or Policy for a complete understanding of your state’s coverages and limitations.

This plan provides insurance coverage for your trip that applies only during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. The purchase of this plan is not required in order to purchase any other travel product or service offered to you by your travel retailers. If you have any questions about your current coverage, call your insurer, insurance agent or broker.

Plans are available to residents of the United States and services are described on a general basis. Certain terms and conditions may apply. For complete information on policy benefits, limits and exclusions, please contact Arch at (855) PYB-TRIP (855-792-8747) for a sample Description of Coverage or Insurance Policy for this plan. All insurance products are offered and underwritten by Arch Insurance Company, which A.M. Best Company has assigned a financial strength rating of “A+” (Superior) and the largest financial category size of “XV”.  Arch Insurance Company (a Missouri corporation, NAIC # 11150) is a licensed insurance company in all 50 states and the District of Columbia with admitted assets of $2.65 billion, total liabilities of $2.04 billion and surplus to policyholders of $609.51 million, as shown in the Quarterly Statement for the quarter ended June 30, 2013.  Executive offices for Arch Insurance Company are located at One Liberty Plaza 53rd floor, New York, New York 10006.  

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All insurance products are offered by The Signal, L.P. The Signal, L.P. is a licensed Insurance agency appointed by American Bankers Insurance Company of Florida and American Security Insurance Company. American Bankers Insurance Company of Florida and American Security Insurance Company are Assurant, Inc. companies licensed to offer insurance products. Protect Your Bubble, the Protect Your Bubble logo, Bubble and Squeak and other Protect Your Bubble trademarks, service marks, graphics and logos used in connection with this website are trademarks of Assurant, Inc. in the United States.