Choose Coverage for Your Exotic Rental

Standard Coverage Options

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.

Insuring Exotics Costs More

At Inuity Insurance, our daily plan costs ranging from $300 to $999 may seem steep at first glance, but they reflect the unique risks tied to insuring exotic and high-end vehicles. Data shows that the likelihood of a loss occurrence with an exotic vehicle is six times higher than with a standard passenger car, driven by their high-performance nature and the skill required to handle them. When an accident does occur, we’re dealing with vehicles that can cost ten times more than a typical auto—think a $300,000 Ferrari versus a $30,000 sedan. This combination means our potential losses could be up to sixty times greater than those of standard insurance. We price for the real risk and loss ratios to keep coverage robust and the insurance pool stable.

Policy Trigger

Inuity’s coverage doesn’t overlap with your regular auto insurance—it activates only after your primary auto policy has paid out its limits. Once that coverage is exhausted, our excess policy immediately steps in to cover the remaining loss, up to the protection limit of your chosen plan. This means you’re fully shielded from the massive gap that can exist when driving high-value exotic vehicles.

Attachment Point

An “Attachment Point” in an excess policy, such as those offered by Inuity Insurance, represents the threshold amount of loss that must be satisfied before the policy’s coverage begins to apply. It functions similarly to a deductible in a primary insurance policy, acting as the initial layer of financial responsibility that the insured or other available insurance must cover before the excess policy kicks in. Specifically, the Attachment Point is determined as the greater of the limits of the insured’s personal auto policy (if one exists) or the stated Attachment Point outlined in the policy declarations. This ensures that the excess coverage only activates after the underlying primary insurance is exhausted or when no personal policy exists, providing a clear starting point for Inuity’s supplemental protection while aligning with the insured’s existing coverage structure.

We Work with Your Primary Auto Insurance

Inuity's approach to coverage depends on the type of policy you select. For physical damage-only policies, a personal auto policy must be in place to serve as the first layer of protection, covering losses from the initial dollar up to the limits of your own insured vehicle. Inuity’s coverage activates only after those limits are exhausted, and we recommend choosing an attachment point that aligns with your personal vehicle’s value to ensure seamless protection for the exotic car you’re renting.

However, our supplemental liability policies, which also include physical damage coverage for the rented vehicle, offer greater flexibility: they do not require a personal auto policy to be in force. In the absence of a personal policy, these policies feature a drop-down provision, providing a first layer of coverage starting at the stated attachment point, ensuring comprehensive protection regardless of your primary insurance status.

Coverage Is Per Calendar Day—Not 24 Hours

We charge by calendar day (not rolling 24-hour blocks) to keep your coverage clear and gap-free. Every policy begins on your start date and automatically ends at 11:59 PM local time, so you’re never left guessing when protection stops. If we used a strict 24-hour clock, a plan that started at 2:00 PM would end at 2:00 PM the next day—meaning if you returned the car at 4:00 PM and had a loss between 2:00–4:00 PM, you’d have no coverage. The calendar-day model also avoids confusion around time-zone changes and daylight-saving shifts, aligns with most rental pickup/return practices, and simplifies extensions—need more time? You can add another day for continuous coverage through the next 11:59 PM. This approach protects you from unintended lapses and makes pricing, claims handling, and trip planning straightforward.