Frequently Asked Questions
At Inuity Insurance, we believe clarity builds confidence. Renting an exotic vehicle is an unforgettable experience, and our goal is to make sure your coverage feels just as seamless. Below you’ll find answers to the most common questions about how our excess protection works, how it interacts with your primary auto insurance, and what you can expect when you select a plan. If you don’t see your question here, our Policy Management Portal and customer support team are always available to help.
1. Can I review a sample policy with all terms and conditions?
Yes — download our sample policy (PDF) to see the complete coverage, exclusions, and conditions.
Download: Inuity Sample Policy (PDF)
2. What does “excess coverage” mean?
Excess coverage begins only after your primary auto policy has paid its limits. Example: if your personal policy covers $25,000 and the exotic car suffers $200,000 in damage, Inuity steps in above $25,000 up to your selected limit.
3. Why do I need this coverage if I already have auto insurance?
Most personal auto policies only pay up to the value of your own car. If your SUV is insured for $30,000, that’s all your insurer will pay—even if you’re driving a $300,000 Ferrari. Inuity’s coverage fills that gap.
4. How do I choose the right attachment point?
Pick an attachment point that generally matches the value of your own vehicle so your personal policy covers the first layer and Inuity picks up above it.
5. Does coverage apply instantly when I purchase?
Yes. Coverage is instant and binding upon purchase, provided you meet eligibility requirements and follow the rental agreement.
6. Where is coverage available?
Coverage applies to losses occurring in the United States, unless your policy is specifically endorsed for other territories.
See the “Territory” provision in the policy.
7. What types of losses are excluded?
Examples include excessive speeding (19+ mph over the limit), racing/stunts, off-road or track use, intentional acts, criminal or reckless conduct, mechanical breakdown, and pre-existing damage. See the policy for the full list of exclusions.
8. Am I covered if someone else drives the car?
Yes, if the person is authorized on the rental agreement and listed on your Inuity policy. Add drivers in the Policy Management Portal before or during your rental.
9. Does this policy pay before my personal insurance?
No. Inuity’s policy is strictly excess. If your personal auto carrier denies coverage for reasons other than non-payment (subject to a limited exception for lack of comprehensive), our policy may be void for that loss or the attachment point may increase. See the policy for details.
10. Is damage from speeding covered?
Losses while driving 19+ mph over the posted limit are excluded.
11. What happens if the car breaks down or a tire blows out?
Mechanical/electrical breakdowns and wear-and-tear (including tire issues not caused by a covered collision) are not covered.
12. Can I use this coverage for rideshare or paid driving?
No. Use for hire (rideshare, chauffeur, valet, etc.) is excluded.
13. What must I do after an accident or theft?
Call 911 at the scene to create a verifiable incident record and report the claim to Inuity within 5 business days. Failure to do both can void coverage.
14. Do I need to upload photos before I drive?
Yes. Upload date-stamped interior/exterior photos of the vehicle before operation. This is a condition precedent to coverage.
15. Can I start repairs right away?
No. Do not begin repairs until Inuity has had a reasonable opportunity to inspect the damaged vehicle. Starting repairs early can void coverage for that loss.
16. If my rental is cut short by a loss, will I be reimbursed for unused days?
Yes. If your exotic rental becomes unavailable due to a covered loss, Inuity will reimburse you for any prepaid rental days that you cannot use, up to the limits shown in your policy Declarations. This reimbursement applies only to unused daily rental charges and does not cover optional upgrades, fuel, mileage overages, or incidental fees.
17. Is this policy protected by a state guaranty fund?
No. This policy is not protected by any state insurance guaranty fund or association.
18. Does this satisfy my state’s auto liability or financial responsibility law?
No. This is not primary auto liability insurance and does not satisfy compulsory financial responsibility requirements.