Guides5 min read
Rental car insurance, explained simply
CDW, excess, theft protection, third-party — what each term means, what’s usually included, and when to add more.
Rental insurance is where a lot of confusion (and overspending) happens. A short glossary clears it up so you buy what you need and skip what you don’t.
The terms that matter
- Third-party liability: covers damage you cause to others. Legally required and always included.
- Collision Damage Waiver (CDW): caps your liability for damage to the rental car.
- Theft protection: caps your liability if the car is stolen.
- Excess: the amount you still pay if you claim — a lower excess costs more upfront.
What’s usually included
On DRIVO, the all-in price includes the cover the agency provides as standard. You see exactly what that is on the listing — no assuming, no nasty discovery at the desk.
When to add more
If the standard excess feels high, add comprehensive protection at checkout in one click to reduce it. For one tap you turn a worst-case bill into a known, small number — worth it for peace of mind on an unfamiliar road.