Can You Add Insurance Coverage After Renting With Enterprise?

Renting a car can be complicated especially when it comes to deciding which insurance options to get. Most major rental companies like Enterprise offer various add-on insurance products that provide protection beyond the basic liability insurance included in the base rental rate. However in the rush of the rental counter, you may neglect to get the right supplemental coverage for your needs. The good news is that Enterprise allows customers to add additional insurance coverage even after starting their rental.

Why Add Insurance Later?

There are a few common reasons why a renter may want to include extra insurance after the initial rental

• Forgot to add it when picking up the car. In a hurry at the counter, some key protections may slip your mind.

• Changed trip plans. If your itinerary changes to include riskier activities, you may want more coverage.

• Peer advice. Speaking with colleagues who recommend added insurance based on their own rental experiences.

• Gaining peace of mind. Renting an unfamiliar car in a new area may spur you to lock in more protection.

Though Enterprise agents will encourage certain coverages, ultimately it’s your rental, so you can modify insurance later to fit your comfort level and trip needs.

Enterprise Insurance Options

These are the main supplemental insurance products Enterprise offers:

• Damage Waiver (DW) – Waives your financial liability for vehicle damage. Does not cover theft or loss. Cost is around $13 per day.

• Personal Effects Coverage (PEC) – Protects items stolen from the car. Reimburses up to $1,000. Approx. $7 per day.

• Supplemental Liability Protection (SLP) – Adds liability coverage above state minimums up to $300,000. Cost is $13-$17 per day.

• Roadside Assistance Protection (RAP) – Covers roadside help for lock outs, fuel deliveries, jump starts, and towing. Cost varies by location.

Evaluating these options after you’ve started driving can help give you the right protection.

Adding Insurance Mid-Rental

The process for amending your Enterprise rental agreement to include additional insurance is straightforward:

• Contact Your Renting Location – Call the Enterprise branch where you initiated your rental. Explain which coverages you now want to add.

• Bring in Your Car – You will need to return to the rental location so they can inspect the vehicle before adding new insurance to the contract.

• Sign Updated Contract – The agent will have you sign a revised rental agreement reflecting the extra protection supplements and fees.

• Provide Payment – If insurance is added mid-rental, you’ll need to provide payment for the supplemental coverage days and fees.

Once the updated contract is signed, you can hit the road again knowing you have expanded insurance protection.

Timing Your Insurance Changes

Keep in mind when you add supplemental insurance affects your coverage:

• Insurance starts when added. It does not retroactively cover prior rental days.

• There are no refunds for removing insurance after purchase. Dropped coverage stops at cancellation.

• Updating near rental end may not be worth added cost. Weigh value if only 1-2 days remain.

Aim to make any corrections early in your rental period to maximize coverage benefits.

Other Important Tips

Here are some other useful tips regarding Enterprise insurance:

• Review your own personal auto policy and credit card coverage first to understand your existing protection and gaps.

• Consider total trip plans and risks to select insurance types and limits that fit your needs.

• Ask agents to explain key coverages and exclusions in plain language so you know what you are getting.

• Consider starting with lower limits or fewer products, knowing you can amend later if wanted.

• Buying all supplements offered does not necessarily provide the best value – tailor to your specific situation.

• Your own car insurance may cover rental vehicles; check with your provider before purchasing add-ons.

Provide Peace of Mind

Renting a car tends to make people uneasy about potential risks and liability. Knowing you can modify your Enterprise agreement and add insurance later is a smart way to give yourself peace of mind during your rental. Being able to tailor supplemental coverages to your exact trip needs, even after driving away, allows you to craft the right protection plan. With the ability to update your contract and lock in additional insurance anytime with Enterprise, you can confidently enjoy the freedom of renting a car.