- PAI — accidental death: $50,000 renter limit, $5,000 passenger limit
- PEI — personal belongings up to $500
PAI & PEI – Personal Accident & Effects Insurance
Protection for you and your belongings during your rental, from $9.99/day.
Protect Yourself and Your Belongings While You Travel
Personal Effects Insurance (PEI) provides valuable coverage for your personal belongings during your rental journey. Whether items are stolen from your rental car or damaged in an accident, PEI ensures you’re not left to cover the costs out of pocket. It’s the perfect way to travel with peace of mind, knowing your luggage and valuables are protected.
Pricing
What PAI Covers
Personal Accident Insurance provides accidental death coverage during your rental period:
Renter
Up to $50,000
Passenger
Up to $5,000
Important Exclusions:
PEI is designed to protect most personal items, but it excludes:
Electronics, including laptops, tablets, and cell phones.
Sunglasses and other eyewear.
Currency, cash, or other monetary items.
What PEI Covers
Personal Effects Insurance protects your belongings during the rental:
Stolen Belongings
PEI covers theft of personal items from your rental car, giving you financial relief in case of an unfortunate incident.
Damage in an Accident
If your belongings are damaged during a collision involving your rental car, PEI has you covered.
Why Choose PAI & PEI?
Affordable Peace of Mind — For a small additional cost, you can protect yourself from unexpected expenses related to stolen or damaged personal belongings.
Combine for Full Protection — Pair PEI with RCLI for liability coverage and CDW or LDW for vehicle protection to create a comprehensive rental insurance package.
Who Benefits from PEI?
PEI is ideal for renters who travel with luggage, clothing, and other valuable items and want the reassurance of knowing they’re covered in case of theft or damage.
Travel Confidently with PEI
Protect your personal belongings and enjoy a worry-free rental experience. Click “Get Quote” to add PEI to your coverage today, and rest assured your belongings are safeguarded during your trip. Coverage begins at the start time on your rental agreement and lasts for the entire rental period.
Important Exclusions
PEI protects most personal items, but excludes:
Frequently Asked Questions
What does Personal Effects Insurance (PEI) cover?
It covers your luggage and belongings if stolen from or damaged in the rental car, up to $500, excluding electronics, sunglasses, currency, and digital items.
What does Personal Accident Insurance (PAI) cover?
It provides accidental death coverage during the rental: up to $50,000 for the renter and $5,000 for a passenger.
How much does PAI & PEI cost?
$9.99/day, combining PAI accidental death coverage and PEI personal belongings coverage.
Are my electronics covered under PEI?
No. PEI excludes electronics, including laptops, tablets, and cell phones, along with sunglasses and currency.
How do I file a personal effects claim?
For a personal effects claim, compensation goes to you directly. Contact Car Rental Association Inc. with a police report and supporting evidence. See the claims page.
Get Covered
with PAI & PEI
Add PAI & PEI and travel with your belongings and yourself protected. Coverage begins at the start time on your rental agreement and lasts the entire rental period.