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PAI & PEI – Personal Accident & Effects Insurance

Protection for you and your belongings during your rental, from $9.99/day.

Protect Yourself and Your Belongings While You Travel

Personal Accident Insurance (PAI) and Personal Effects Insurance (PEI) provide combined protection during your rental journey. PAI covers accidental death for you and your passengers, and PEI covers your personal belongings if stolen from or damaged in the rental car. Together, they let you travel with peace of mind, knowing both you and your luggage are protected.

Transparent Pricing

Pricing

PAI & PEI – Personal Accident & Effects Insurance
$25.99/day

  • PAI — accidental death: $50,000 renter limit, $5,000 passenger limit
  • PEI — personal belongings up to $500
What You May Already Have

What PAI Covers

Personal Accident Insurance provides accidental death coverage during your rental period:

Renter

Up to $50,000

Passenger

Up to $5,000

What You May Already Have

What PEI Covers

Personal Effects Insurance protects your belongings during the rental:

Stolen Belongings

Covers theft of personal items from your rental car.

Damage in an Accident

Covers belongings damaged during a collision involving your rental car. Coverage limit: up to $500.

Why Choose PAI & PEI?

Affordable Peace of Mind — For a small additional cost, protect yourself and your belongings from unexpected expenses.

Combine for Full Protection — Pair with RCLI for liability and CDW for collision damage to build comprehensive coverage.

Who Benefits from PAI & PEI?

PAI & PEI is ideal for renters who travel with luggage, clothing, and valuables and want reassurance that both they and their belongings are covered in case of accident, theft, or damage. Compare all coverage options.

Important Exclusions

PEI protects most personal items, but excludes:

Laptops
Tablets
Cell Phones
Sunglasses
Currency
Cash
All other monetary items
Laptops
Tablets
Cell Phones
Sunglasses
Currency
Cash
All other monetary items
FAQ

Frequently Asked Questions

What does Personal Effects Insurance (PEI) cover?

It covers your luggage and belongings if stolen from or damaged in the rental car, up to $500, excluding electronics, sunglasses, currency, and digital items.

What does Personal Accident Insurance (PAI) cover?

It provides accidental death coverage during the rental: up to $50,000 for the renter and $5,000 for a passenger.

How much does PAI & PEI cost?

$9.99/day, combining PAI accidental death coverage and PEI personal belongings coverage.

Are my electronics covered under PEI?

No. PEI excludes electronics, including laptops, tablets, and cell phones, along with sunglasses and currency.

How do I file a personal effects claim?

For a personal effects claim, compensation goes to you directly. Contact Car Rental Association Inc. with a police report and supporting evidence. See the claims page.

Get Covered
with PAI & PEI

Add PAI & PEI and travel with your belongings and yourself protected. Coverage begins at the start time on your rental agreement and lasts the entire rental period.

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