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A lot of people wish they had a Lamborghini, a Ferrari, or some other exotic car. However, most people can’t afford them. Fortunately, there are companies out there that allow people to rent exotic cars whether it’s for a couple of hours or a couple of days.

Exotic cars have exceptional performance and when you’re in the driver’s seat, you have a need for speed. But are you insured? Personal auto policies don’t cover exotic car rentals and very few companies will insure this risk so you’re probably here because you are struggling to find insurance.

Understandably, exotic cars are more expensive to insure than most standard vehicles. Their enhanced speed capabilities and fewer safety features raise the chances of an accident with injuries. Additionally, replacement parts are often more costly and difficult to find. These autos are also frequently the target of opportunistic car thieves.

exotic car rental insurance for exotic car rentals
exotic car rental insurance for exotic car rentals


XINSURANCE: Your Best Source for Sports Car Insurance

Whether you’re the company or the driver who’s renting the vehicle, what would happen if an accident occurred resulting in bodily injury or property damage? Make sure you’re properly covered with rental insurance for exotic cars from XINSURANCE.

With XINSURANCE, you will have the customized coverage you need through our all-in-one approach. By reviewing your operations and experience level, we provide insurance solutions made to fit your needs. So, no matter the situation, no matter the risk or history, we are here to help you!

What Kind of Exotic Car Insurance Should You Carry?

We provide specialty customized insurance coverage through an all-in-one approach to fit your needs. While specific exotic, collectors’, and imports insurance needs vary from one policyholder to the next, the coverages most drivers or companies that rent these autos should consider are:

  • Renters Liability: Covers physical damage to the rented vehicle(s).
  • Commercial General Liability (CGL): This covers third-party property damage and third-party bodily injury resulting from the insured’s use of the rental vehicle(s).
  • Personal Liability: This coverage protects individuals from liability claims due to mishaps resulting from their personal activities when operating the vehicles.
  • Fleet Insurance: If your business owns several exotic rental cars, this insurance covers all the vehicles under one plan.
  • Commercial Auto: A commercial auto policy provides a combination of liability, physical damage — collision and comprehensive — and medical payments for companies that own and rent out exotic cars.
  • True Umbrella: Our true umbrella can cover any gap, limitation, or exclusion in any other insurance policy in force.

FAQ About Exotic Car Rental Insurance

Q: Do you offer general liability for my rental operations?
A: Yes, we can offer general liability for your rental operations among other coverages, all under one policy!

Q: Do you offer auto liability for my rental operations?
A: Yes, we can offer auto liability in most states

Q: Do you offer physical damage coverage to the units?
A: Yes, we can cover physical damage on units that are stored, rented, and transported.

Q: Is theft covered while rented?
A: No, when the unit is not under your care, custody, and control, there is no theft coverage available.

Q: Can you offer supplemental insurance for non-USA residents?
A: Yes, we can!

Request a Quote for Exotic Car Rental Insurance

Get your free exotic car rental insurance quote today by filling out the form at the top of the page to get started! We would also be happy to review your current coverage to identify gaps and exclusions that could leave you vulnerable – it’s also free and no obligation. Get started today!


Get the Benefit of All-in-One Exotic Car Insurance Protection

Our all-in-one programs enable you to experience True Umbrella protection under a single policy. Why deal with multiple insurers who have different requirements, procedures, and premium structures when you can have everything in one place? We’ll also account for any gaps or exclusions in your current program. Whether you’re a business or an individual, you can get limits that fit your unique circumstances. Get up to $10 million in coverage, or as much as $20 million through our reinsurance providers.

We Take On the Risks That Other Providers Avoid

Have you ever been told that an insurance partner can’t insure exotic or sports cars because of the higher risk? At XINSURANCE, we specialize in this type of exposure. If you’ve had your policy non-renewed or canceled or an application for new coverage rejected by another provider, we’ll step in and fill the void. You don’t have to let an adverse claims history or “extreme” situation keep you from getting the liability protection you need.

Customized Coverage Gives You True Peace of Mind

Some providers view their liability policies as a “one-size-fits-all” proposition. At XINSURANCE, we recognize that no two policyholders are alike. With our flexible underwriting process, we can work with our insurance partners to tailor the plan to your situation. You’ll have true peace of mind knowing you’re covering the exposures that present the most significant risks to you or your business. You’ll also take comfort in knowing that you’re not paying for protection you don’t need.

Excellent Claims Service Removes the Burden From Your Shoulders

Our service doesn’t stop the moment you become a policyholder. We’ll be there to deliver top-notch claims assistance when the need arises. You can reach us 24 hours a day to report an incident and get the filing process moving forward. We’ll manage the settlement quickly and efficiently, helping to put your mind at ease. We work with new and old claims — if you have a current claim with another provider that’s not receiving the attention it deserves, we’ll look into taking it over as well.

Additional Services We Deliver

The businesses and individuals that manage and mitigate risk effectively typically experience fewer claims and lower premiums. We have the expertise to help you develop and implement a sound risk management strategy that reduces your short- and long-term insurance costs. We can also review your existing coverages and make recommendations that minimize your vulnerability.

Enjoy a Hassle-Free Customer Experience

Our hands-on approach to providing coverage makes it easier for you to navigate the application process. Fill out your application online and submit it to our underwriting team for review. We’ll set up a convenient time to discuss your information by phone. Then, we’ll provide a no-obligation quote for your approval. If you choose to go forward, your policy will be issued upon receipt of the first premium.


Rental Insurance for Exotic Cars

Very few carriers insure ultra-exotics. Only 2 companies in the country cover the very high-end exotics.

Rental Insurance for Exotic Cars

20-30% of exotic car rental transactions are brokered through individuals who don’t own any cars and don’t carry commercial auto insurance. Note that hundreds of transactions are executed without scrutiny.

Rental Insurance for Exotic Cars

Luxury cars had a 29% higher collision frequency compared to all other vehicle types.

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