How It Works

Getting covered with Inuity is simple, fast, and designed around the way exotic rentals actually happen. Your personal auto policy always provides the first layer of protection, but it usually stops at the value of your own vehicle. That’s where Inuity steps in. By choosing an attachment point that matches your personal car’s value, our excess coverage seamlessly activates once your primary insurance is exhausted—instantly protecting you from the massive gap that can exist when driving high-value exotics. From purchase to peace of mind, the process is quick, transparent, and tailored to keep you driving with confidence.

The Steps

Step 1: Select Your Rental Car

Choose your exotic vehicle from the rental agency—Ferrari, Lamborghini, McLaren, or another dream car.

Step 2: Purchase Your Inuity Policy Online

Pick Silver, Gold, or Platinum, choose your attachment point, and get covered instantly.

Step 3: Register Additional Drivers

Use the Policy Management Portal to add authorized drivers (per plan). All must be on the rental agreement.

Step 4: Rental Agency Verifies Coverage

Your rental agency receives confirmation of your Inuity policy and validates it before hand-off.

Step 5: Drive with Confidence

Enjoy the thrill of your exotic rental knowing Inuity stands behind you every mile.

Excess Protection Coverage

Inuity’s policy is designed to work alongside your personal auto insurance, not replace it. Your primary auto policy always responds first, paying for losses up to the value of your own insured vehicle. Once that limit—or your selected attachment point—is reached, Inuity’s coverage seamlessly steps in to protect against the remaining loss. This ensures you’re not left exposed when driving high-value exotic cars, where damages can far exceed the limits of your personal policy. By pairing your own insurance with Inuity’s excess protection, you get complete, gap-free coverage for peace of mind.