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# 🚗 Rental Car Protection with KOHO Travel Insurance

If you're a **KOHO customer** purchasing travel insurance, you have the option to **add Rental Car Protection** to your TuGo plan. This optional add-on can cover up to **$75,000** for damage to a rental car — but only if a few key conditions are met.
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🔒 Not Sold on Its Own

Rental Car Protection **cannot be purchased by itself**.

It must be added **at the time you buy KOHO travel insurance**, alongside another plan such as **Emergency Medical Insurance** or an **All-Inclusive Package**.
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###### 👤 Who Is the Rental Car Protection Assigned To?

If you're travelling with more than one person, you may notice that **Rental Car Protection is automatically assigned to the oldest traveller** on your KOHO travel insurance purchase.

Don't worry — this **doesn't mean the oldest traveller has to be the person driving the rental car**.

The TuGo policy wording allows coverage while the rental vehicle is in the care, custody or control of the insured **or someone who is permitted to operate the vehicle under the rental agreement**.

This means another traveller may drive the rental vehicle as long as they are **authorized to drive under the rental agreement** and all other policy conditions are met.

| **Good to know:** The oldest traveller is automatically assigned the Rental Car Protection during the purchase process. This does not make them the only eligible driver.
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###### ✅ What Rental Car Protection Covers

* Up to **$75,000** for **damage to or theft of a rental vehicle**
* Coverage applies only when **all policy conditions are met**
* Valid for rentals in **Canada and internationally**
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###### ✅ To Be Covered, You Must:

* Be a **KOHO customer** who added Rental Car Protection when buying travel insurance
* Rent from a **licensed car rental agency** (no peer-to-peer apps like Turo)
* Be **listed as a driver** on the rental agreement
* Have a **valid driver’s license**
* Use the vehicle for **personal travel only** (not commercial use or delivery)
* Follow **all terms in the rental agreement**
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###### 🚫 You’re Not Covered If:

* You rent from an **unlicensed provider** or a **sharing app**
* You accept the rental company’s **collision damage waiver (CDW)**
* You damage a **replacement** or **exotic vehicle**
* You break the rental terms (e.g. unauthorized driver, off-roading, or illegal use)
* Damage results from neglect, wear and tear, or mechanical failure

|| For claims over $2,000, a **police report is required**.


###### 💡 What’s Not Included:

This add-on **only covers damage to the rental vehicle**. It does **not cover**:

* **Bodily injury or death**
* **Liability** (injury or damage to other people or vehicles)
* **Medical costs** (these fall under Emergency Medical Insurance)
* **Stolen personal items**
* **Roadside assistance**
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###### 🚗 Important: Auto Insurance Still Applies

Rental Car Protection under KOHO travel insurance **does not replace auto insurance**.

When you rent a vehicle, you must still have **auto insurance coverage**, which is typically provided through one or more of the following:

* the **rental company’s mandatory auto insurance** (including liability coverage),
* your **personal auto insurance policy** (if it extends to rental vehicles), and/or
* the **credit card used to rent the vehicle** (usually for vehicle damage only).

This is why the policy excludes **injury or death of the insured renter** — those risks are handled under **automobile insurance**, not travel insurance.
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###### 
🤔 Do I Need KOHO Rental Car Protection If I Buy the Rental Company’s Insurance?

Not necessarily.

If you **purchase the rental company’s CDW/LDW**, you are typically already covered for damage to the rental vehicle. In that case:

* KOHO’s Rental Car Protection would **not apply**, and
* You may not need it, depending on your comfort with the rental company’s coverage and cost.

KOHO’s Rental Car Protection is useful if you:

* **Decline the rental company’s daily insurance**, and
* Still want coverage if the rental vehicle is damaged or stolen.
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📄 **View the full policy wording here:**
[TuGo Travel Insurance Policy (PDF)](https://www.datocms-assets.com/66146/1682695377-tugo_travel_policy.pdf)a 
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###### 🙋 Still Have Questions?

We’re here for you. Just **tap the chat bubble** in the bottom-left corner and we’ll help you confirm if you’re covered before you rent.