Rolls-Royce
Guide
What’s Actually Included in Exotic Car Rental Insurance?
Full-coverage policy or supplemental protection — what each covers, what it costs, and how to confirm it before you book.
July 7, 2026 · updated September 10, 2026 · 1 min read · By Preferred Exotics
Two paths, not one
Every rental needs either your own full-coverage auto policy extended to cover the rental, or our supplemental protection arranged at booking. Both are valid — which one makes sense depends on what's already in your policy.
Using your own policy
Most personal auto policies do technically extend to rental cars, but the coverage limit usually doesn't. A policy that comfortably covers a $40,000 personal vehicle may cap out well under the value of a Rolls-Royce Phantom or a Porsche 911 GT3 RS. Before relying on your own policy, check the actual dollar limit with your insurer — not just whether rentals are "covered," but covered up to how much.
Supplemental coverage
If your policy doesn't reach far enough, or you'd rather not find out mid-rental, supplemental coverage is arranged before the keys leave our hands. It's priced into the booking, not an upsell sprung on you at pickup — the number you're quoted is the number you pay.
What's confirmed before you drive
Deposit amount, coverage type, and daily mileage allowance are all set at booking, matched to the specific vehicle — a $399/day Corvette and a $4,449/day Rolls-Royce Phantom don't carry the same deposit or the same mileage terms. Ask for the specifics on your car before you commit, not after.
From the fleet
