Drive Exotic. Drive Insured.

Exotic Car Rental Coverage Made Simple

Unlock the thrill of high-end rentals without the risk—Inuity fills the coverage gap your personal policy leaves behind.

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Drive the Dream, Protect the Experience

Renting an exotic car is more than transportation—it’s a once-in-a-lifetime thrill. But with that thrill comes risk. Traditional auto insurance only goes so far, leaving a dangerous gap when you’re behind the wheel of a Ferrari, McLaren, or Lamborghini worth hundreds of thousands of dollars.

That’s where Inuity Insurance steps in. Our specialized, mono-line rental coverage ensures you’re protected when your primary policy runs out—so you can drive with confidence, not worry.

How It Works

  1. Select your vehicle. Choose the exotic you’ll be renting and your dates.
  2. Buy online, get covered instantly. Enter a few details and pay securely—your policy is active right away.
  3. Agency verifies coverage. Your rental agency confirms your policy electronically.
  4. Drive protected. Enjoy the car with confidence—coverage is for real accidents, not reckless driving.

International Driver & Uninsured Drivers

At Inuity Insurance, we proudly extend our specialized coverage to international drivers and those without a personal auto policy, ensuring everyone can enjoy the luxury of exotic rentals with confidence. Our Supplemental Liability Insurance (SLI) is designed as excess coverage, kicking in after primary limits are exhausted, but it includes a unique drop-down provision that can activate a first layer of protection when required—bridging gaps where traditional policies fall short.

  • Excess-first: Works above applicable primary coverage; attaches cleanly when limits are met.
  • Drop-down when needed: Provides an initial layer for uninsured drivers or drivers without a local policy.
  • Built for exotics: Tailored to high-value rentals with streamlined verification for rental agencies.

Limits and availability may vary by jurisdiction and underwriting approval.

International & uninsured driver coverage

Standard Coverage Options

Excess Physical Damage

Rental Car Damage Excess (Basic)

Protect your rental with up to $240,000 in physical damage coverage (collision, theft, vandalism). Attaches after your primary auto insurance is exhausted or reaches a $20,000 threshold (whichever is greater). No third-party liability coverage.

Daily Cost
$299.00
Deductible / Attachment
$20,000
Drivers Included
1
Add’l Driver Charge
$99.00 / Per Trip
Policy Max Payout
$250,000
Physical Damage Coverage: $250,000
Excess Physical Damage

Rental Car Damage Excess (Enhanced)

Up to $450,000 physical damage coverage. Attaches after primary insurance or a $15,000 threshold (whichever is greater). No third-party liability coverage.

Daily Cost
$499.00
Deductible / Attachment
$15,000
Drivers Included
1
Add’l Driver Charge
$99.00 / Per Trip
Policy Max Payout
$450,000
Physical Damage Coverage: $450,000
Excess Physical Damage

Rental Car Damage Excess (Premium)

Up to $750,000 physical damage coverage. Attaches after primary insurance or a $10,000 threshold (whichever is greater). No third-party liability coverage.

Daily Cost
$749.00
Deductible / Attachment
$10,000
Drivers Included
1
Add’l Driver Charge
$150.00 / Per Trip
Policy Max Payout
$750,000
Physical Damage Coverage: $750,000
Supplemental Liability

Uninsured & International Driver (Basic)

Up to $130,000 third-party liability via Combined Single Limit (CSL) per accident. Coverage begins after a $20,000 deductible/attachment point.

Daily Cost
$199.00
Deductible / Attachment
$20,000
Drivers Included
1
Add’l Driver Charge
$49.00 / Per Day
Policy Max Payout
$130,000
Combined Single Limit: $130,000
MedPay: $10,000 | PIP: $5,000
UM/UIM: $130,000
Collision (if applicable): $130,000
Supplemental Liability

Uninsured & International Driver (Plus)

Up to $240,000 CSL per accident. Coverage begins after a $30,000 deductible/attachment point.

Daily Cost
$349.00
Deductible / Attachment
$30,000
Drivers Included
1
Add’l Driver Charge
$99.00 / Per Day
Policy Max Payout
$240,000
Combined Single Limit: $240,000
MedPay: $10,000 | PIP: $5,000
UM/UIM: $240,000
Collision (if applicable): $240,000
Supplemental Liability

Uninsured & International Driver (Enhanced)

Up to $425,000 CSL per accident. Coverage begins after a $25,000 deductible/attachment point.

Daily Cost
$599.00
Deductible / Attachment
$25,000
Drivers Included
1
Add’l Driver Charge
$99.00 / Per Day
Policy Max Payout
$425,000
Combined Single Limit: $425,000
MedPay: $10,000 | PIP: $5,000
UM/UIM: $425,000
Collision (if applicable): $425,000

Coverage availability, terms, and limits are subject to underwriting and policy conditions. Policies may not satisfy state financial responsibility requirements and are supplemental to any required primary auto insurance.