Enterprise Proof of Insurance Requirement
#1
Original Poster
Join Date: Mar 2010
Location: Sunshine State
Programs: Avis Trump. Costco Exec. SPG PLAT PREM-90. WN A+/CP. AA SLV. Nat EE..
Posts: 456
Enterprise Proof of Insurance Requirement
For the first time ever, after renting many times an Enterprise agent said that I was required to show my proof of insurance if I was declining coverage. After stating multiple times that I didn't have my card with me the agent agreed to waive the requirement this time.
I don't like sharing more personal information than I have to. I searched the agreement and the google and didn't find a policy relating to this.
Has anyone else ever experienced this?
I don't like sharing more personal information than I have to. I searched the agreement and the google and didn't find a policy relating to this.
Has anyone else ever experienced this?
#2
In Memoriam, FlyerTalk Evangelist
Join Date: Jul 2002
Location: Durham, NC (RDU/GSO/CLT)
Programs: AA EXP/MM, DL GM, UA Platinum, HH DIA, Hyatt Explorist, IHG Platinum, Marriott Titanium, Hertz PC
Posts: 33,857
I run an independent rental car operation and I require all new customers to show proof of insurance. I will call their agent and verify it over the phone if I have to. Also, when I travel I always have my insurance card in my wallet in case people ask. Looking at it from their perspective, perhaps it was an attempt at a sale, but I have been burned by people who claimed to have full coverage, then wrecked the car and it turned out they had none.
Hence why I choose to undertake the extra effort to make sure the customer has full coverage.
Hence why I choose to undertake the extra effort to make sure the customer has full coverage.
#3
Original Poster
Join Date: Mar 2010
Location: Sunshine State
Programs: Avis Trump. Costco Exec. SPG PLAT PREM-90. WN A+/CP. AA SLV. Nat EE..
Posts: 456
I run an independent rental car operation and I require all new customers to show proof of insurance. I will call their agent and verify it over the phone if I have to. Also, when I travel I always have my insurance card in my wallet in case people ask. Looking at it from their perspective, perhaps it was an attempt at a sale, but I have been burned by people who claimed to have full coverage, then wrecked the car and it turned out they had none.
Hence why I choose to undertake the extra effort to make sure the customer has full coverage.
Hence why I choose to undertake the extra effort to make sure the customer has full coverage.
However, in this instance I am a somewhat regular customer with Enterprise who has rented from this specific location 15-20 times alone. If this is a well documented policy then I understand that is their business' right to make the request but I have been unable to find where this is written policy. I just about always decline the rental companies insurance and have never been asked for proof of insurance in the 200 ish times I have rented a car.
I think that you are probably right in that this was a thinly veiled attempt to get me to buy their insurance.
#4
In Memoriam, FlyerTalk Evangelist
Join Date: Jul 2002
Location: Durham, NC (RDU/GSO/CLT)
Programs: AA EXP/MM, DL GM, UA Platinum, HH DIA, Hyatt Explorist, IHG Platinum, Marriott Titanium, Hertz PC
Posts: 33,857
I completely understand the reason in which you, especially as a smaller operator, would want to verify insurance.
However, in this instance I am a somewhat regular customer with Enterprise who has rented from this specific location 15-20 times alone. If this is a well documented policy then I understand that is their business' right to make the request but I have been unable to find where this is written policy. I just about always decline the rental companies insurance and have never been asked for proof of insurance in the 200 ish times I have rented a car.
I think that you are probably right in that this was a thinly veiled attempt to get me to buy their insurance.
However, in this instance I am a somewhat regular customer with Enterprise who has rented from this specific location 15-20 times alone. If this is a well documented policy then I understand that is their business' right to make the request but I have been unable to find where this is written policy. I just about always decline the rental companies insurance and have never been asked for proof of insurance in the 200 ish times I have rented a car.
I think that you are probably right in that this was a thinly veiled attempt to get me to buy their insurance.
#5
Join Date: Apr 2006
Location: ASE
Programs: UA 1MM, AA1MM PLTPRO, Hertz PC, National EXC, Hyatt Explorist, Hilton/Marriott Gold, IHG Platinum
Posts: 3,357
Reason number 234 why I don't like renting from Enterprise.
#6
Join Date: Apr 2003
Location: United States
Programs: UA, AA, DL, Amtrak
Posts: 4,647
I rent frequently from Enterprise. In my town there are 3 car rental agencies. Enterprise is the most convenient. If they ever pulled a stunt like this, I'd shrug and walk out.
#7
FlyerTalk Evangelist
Join Date: May 2006
Location: SEA or BGR, Lower Earth Orbit
Programs: UA 1K
Posts: 17,217
had this happen at a neighbourhood location in Portland. They asked for my insurance, deductible, insurance card (which until recently wasn't required to be kept on you in WI, so I didn't actually have it with me since I had no need to), my employer, employer contact number, a phone number other than my cell phone, the city I was going to.
I provided them with what I could. I was on a consulting job, so I was working for myself for that trip. They got my fax number for the employer contact number. My other than cell phone number was my google voice number which rings to my cell phone. I provided a deductible of zero since I was paying for it with my Presidental plus mastercard which has primary insurance (this was a fun secondary conversation to have)
I've rented from several off airport Enterprise locations and never had such hassles. On-site, and even most off airport ones. This was enough to keep my from renting from Enterprise, National, and Alamo (unless it happens to be the winner on hotwire or priceline). Enterprise seems to be the worst when it comes to "damage" as well.
I provided them with what I could. I was on a consulting job, so I was working for myself for that trip. They got my fax number for the employer contact number. My other than cell phone number was my google voice number which rings to my cell phone. I provided a deductible of zero since I was paying for it with my Presidental plus mastercard which has primary insurance (this was a fun secondary conversation to have)
I've rented from several off airport Enterprise locations and never had such hassles. On-site, and even most off airport ones. This was enough to keep my from renting from Enterprise, National, and Alamo (unless it happens to be the winner on hotwire or priceline). Enterprise seems to be the worst when it comes to "damage" as well.
#8
Join Date: Jul 2010
Location: Alpharetta, GA
Programs: Centurion
Posts: 78
nowhere in the rental agreement does it state, you must have coverage.
#9
In Memoriam, FlyerTalk Evangelist
Join Date: Jul 2002
Location: Durham, NC (RDU/GSO/CLT)
Programs: AA EXP/MM, DL GM, UA Platinum, HH DIA, Hyatt Explorist, IHG Platinum, Marriott Titanium, Hertz PC
Posts: 33,857
"You agree to provide primary auto liability, collision and comprehensive insurance covering you, us and the vehicle."
I find it unlikely we're the only ones with such language.
#11
In Memoriam, FlyerTalk Evangelist
Join Date: Jul 2002
Location: Durham, NC (RDU/GSO/CLT)
Programs: AA EXP/MM, DL GM, UA Platinum, HH DIA, Hyatt Explorist, IHG Platinum, Marriott Titanium, Hertz PC
Posts: 33,857
Honestly, they don't come here. We get customers who can't rent anywhere else or customers whose vehicle is in our service department. I would say less than 5% of our customers use an actual credit card. If someone ever did say that, I'd take them at their word and take the risk that they were lying/didn't know.
#12
Join Date: Apr 2006
Location: YYZ
Posts: 595
I'm under 25, and on the Enterprise website, the rental requirements for the local Enterprise location states I need to have proof of liability coverage to rent from them. I'm fine with it since they're upfront about it - but if they sprung it on me out of the blue i'd be pissed off too.
#13
Join Date: Jan 2009
Location: New York suburbs
Posts: 4,210
Using the Hertz Underage Coupon avoids that problem.
#14
Join Date: Apr 2006
Location: YYZ
Posts: 595
Yes, but I have liability coverage regardless, and my local Hertz location is a franchise so they're a bunch of pricks about honouring coupons and CDP perks. Plus Enterprise hasn't charged me an underage fee yet. So they are very much the lesser of two evils in this town. Outside of Ottawa, though, I generally use Hertz (or National).
Last edited by CorSter; Nov 1, 2011 at 10:05 am
#15
Join Date: Apr 2001
Location: Austin
Programs: AA P4L, WN, BA, DL, UA, HHonors, IHG
Posts: 3,485
Not an Enterprise Fan
I dislike Enterprise for the way they ask about your existing insurance coverage...What is your insurance company? How much is your liability coverage? It's all a technique to pressure into buying their add-on insurance.
I've avoided them completely for years, but yesterday had to take a car in for service and was offered an Enterprise loaner car. The sales rep excessively chatted me up, then got into the rental car with me and asked how much liability coverage I had. Since I have insurance for my personal car, plus was using an Amex card with their primary coverage, I merely replied "Plenty of coverage."
She wanted a number and was not happy with this answer
I noted that she was helping Enterprise do its market research by asking the make, year and model of the car that I had taken in for service.
I've avoided them completely for years, but yesterday had to take a car in for service and was offered an Enterprise loaner car. The sales rep excessively chatted me up, then got into the rental car with me and asked how much liability coverage I had. Since I have insurance for my personal car, plus was using an Amex card with their primary coverage, I merely replied "Plenty of coverage."
She wanted a number and was not happy with this answer
I noted that she was helping Enterprise do its market research by asking the make, year and model of the car that I had taken in for service.