Temporary insurance for short-term rental vehicles: what you need to know
Temporary rental car insurance enhances your protection against theft, damage, and high deductibles. Ideal for worry-free travel.
Renting a car for a few days has become commonplace, whether for a business trip, vacation, or emergency repairs. But did you know that short-term rentals don't always cover all risks? In some cases, taking out additional temporary insurance may be essential for true protection. Here's everything you need to know before getting behind the wheel.
What is a short-term rental?
Short-term rental (STR) refers to the provision of a vehicle for a period of less than 90 days, often via a traditional rental agency, a peer-to-peer platform or even a company.
Rental always includes compulsory basic insurance (often civil liability), but this coverage can be very limited .
What the basic contract generally covers:
- Damage caused to others (civil liability)
- Mechanical repairs related to a vehicle defect
- Sometimes a significant deductible in the event of an accident or theft
On the other hand, damage to your own vehicle or additional costs (theft, puncture, loss of keys, windshield) are not always included .
Why take out additional temporary insurance?
Specific temporary insurance can strengthen your protection by covering risks not covered by the rental company.
1. Reduction or elimination of the deductible
Some rental contracts have a deductible of €1,000 to €2,000. Temporary insurance can reduce this amount or even eliminate it.
2. Protection against damage not covered
- Broken glass, scratches, small impacts
- Theft of vehicle or accessories
- Breakdowns outside the rental contract
3. Extension of geographic coverage
If you are traveling outside France , particularly in Europe, temporary insurance can cover cross-border travel, which most rental contracts do not allow.
4. Specific professional or private use
In the case of professional use (deliveries, appointments, replacement of company vehicles), the rental company's coverage may not be sufficient. Temporary insurance adapts the level of coverage to your actual needs.
The guarantees to favor
- International civil liability
- All-accident damage (DTA)
- Driver protection
- Theft / fire / vandalism
- 24/7 Support
- Legal defense
Documents required for subscription
- Valid driving license (often minimum 2 years of license)
- Vehicle rental contract
- Registration card or registration number
- Proof of identity
- Expected duration and countries of circulation
Best practices before renting
- Read the rental contract carefully: some companies prohibit external insurance.
- Make a precise inventory of the vehicle before and after rental (photos included).
- Check the exact duration of coverage (temporary insurance = 1 to 90 days).
- Choose a reputable rental car insurer, such as KT Tempo.
Why choose KT Tempo?
- 100% online subscription, in just a few minutes
- Immediate certification, even abroad
- Flexible duration from 1 to 90 days
- Clear pricing according to driver profile and country of travel
- Personalized support for special cases (international rental, multi-driver, utility vehicles, etc.)
Conclusion
Taking out temporary insurance for a short-term rental vehicle allows you to travel with peace of mind. It supplements the often limited coverage offered by rental companies, reduces excesses, and protects you against unforeseen events. With KT Tempo , you benefit from a flexible, digital, and reliable solution tailored to your real needs.