This policy covers the excess, which is the amount you are responsible for paying if your rental car is damaged or stolen.

However, it does not cover Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW), which are optional protections offered by rental companies to reduce your liability for damage or theft.

It also does not cover Supplemental Liability Insurance (SLI), which provides extra coverage for third-party injuries or property damage beyond the rental company's basic liability coverage.