Personal Effects Coverage with Hertz

Enjoy total peace of mind when traveling in your rental car with Personal Effects Coverage (PEC). This coverage is available as part of our Personal Accident Insurance (PAI) offering and protects your belongings while you’re out on the road.

• Coverage up to $600 per person ($500 in the State of New York).
• Protect you and your immediate family member’s belongings.
• No need to buy additional cover.

• What is Personal Effects Coverage?
• How much does Personal Effects Coverage cost?
• Do I need Personal Effects Coverage?
• What are the alternatives to Personal Effects Coverage?
• Can I cancel Personal Effects Coverage?

What is Personal Effects Coverage?

Personal Effects Coverage is a form of insurance coverage that protects your personal belongings from loss or damage while on the road in your rental car. It is included in our Personal Accident Insurance (PAI) offering as a combined package only. Benefits include

• Easy to file a claim.
• No need to buy additional cover.
• PEC pays out in addition to any other insurance policy you may have including house and contents insurance.

From that essential cell phone to a suitcase of luggage, if your items are lost or damaged you can make a claim. If anything is lost due to theft, you’ll need to report this to local law enforcement before submitting your claim.

Claims of up to $1,800 ($1,500 in the State of New York) can be made per rental period and coverage only applies to immediate family who are permanent members of your household. Non-family members are not covered.

It’s important to note that some personal items are not covered, including but not limited to:

• Contact lenses, artificial teeth and prosthetic limbs
• Animals
• Household furniture
• Currency, coins, deeds, bullions, tickets or documents
• Motorcycles, boats, motors or other automobiles and their equipment
• GPS equipment, guns or radar protectors
• Merchandise for sale.

You can find out more here in our guide to Hertz Optional Protection Plans.

How much does Personal Effects Coverage cost?

Personal Effects Coverage starts from $10.99 per day and comes as part of our Personal Accident Insurance offering.

That’s great news when you consider the cost of replacing your trusty laptop or a wardrobe’s worth of luggage that you had in the trunk!

You can find out more in our guide to our available Protective Cover.

Do I need Personal Effects Coverage

Personal Effects Coverage is a great option to take while traveling in a rental car as it protects your belongings from loss or damage. You can drive away with peace of mind that you can replace or fix something important to you, should anything unforeseen happen.

Personal Effects Coverage offers a layer of protection, providing peace of mind for you and your family.

You can also make a claim and receive the payout you need on top of any existing insurance you may have. However, it’s recommended that you check the terms and conditions of any other existing policies before making a claim.

What are the alternatives to Personal Effects Coverage?

An alternative to Personal Effects Coverage is the Personal Protection Package. This includes all the benefits of Personal Accident Insurance and Personal Effects Coverage, with the addition of Medical Expenses and Accidental Death and Dismemberment cover.

The value of coverage offered for each of these is as follows:

• Medical Expense - $10,000 with a $250 maximum for dental claims
• Accidental Death and Dismemberment - $175,000
• Personal Effects - $1,800 with a $250 deductible.

But that’s not all, there are a huge range of products available to make your car rental experience as stress free as possible. These include:

• Child seats, so your little ones stay safe as you drive.
• Premium Emergency Roadside Assistance, so in the unlikely event your car has trouble we can get help sent straight away.
• Liability Protection, to cover you in the event of third-party claims.
• Young Renters – we’ll rent to drivers under the age of 25 for a small additional fee.
• PlatePass®, enjoy easy toll road driving with our pre-pay service.

Can I cancel Personal Effects Coverage?

However, having Personal Effects Coverage is a sensible option for anyone who wants to keep their belongings safe. Nobody wants to think an accident might befall them, but life can be unpredictable, and it’s better to be prepared if bad luck falls your way. Get Personal Effects Coverage today to get peace of mind on the road.