Car Rental FAQs > What is Personal Accident and Personal Effects Insurance (PAI/PEC)?

 

 

What is Personal Accident and Personal Effects Insurance (PAI/PEC)?

United States

 

Personal Accident and Personal Effects Insurance (Available at select locations in the US Only)

 

Personal Accident Insurance / Personal Effects Coverage (PAI/PEC) is offered at the time of rental for an additional daily charge. If accepted the PAI contained in the policy provides renter and renter's passengers with Accidental Death, Accident Medical Expenses and Ambulance Expense Benefits. ThePEC contained in the policy insures the Personal Effects of the renter, Additional Drivers, or any Member of the renter's immediate family who permanently resides in the renter's household and who is traveling with the renter against risks of loss or damage. Benefits are payable in addition to any other insurancecoverage the renter or passengers may have. This is a summary only. PAI/PEC is subject to the provisions, limitation, benefits and exclusions of the PAI/PEC policy (underwriting insurer(s) subject to change without notice).

 

The purchase of PAI/PEC is optional and not required to rent a car. The coverage provided by PAI/PECmay duplicate the renter's existing coverage. National is not qualified to evaluate the adequacy of the renter's existing coverage; therefore the renter should examine his or her personal insurance policies or other sources of coverage that may duplicate the coverage provided by PAI/PEC.

 

Canada

 

Personal Accident Insurance and Personal Effects Coverage (Available at select locations in Canada only)

 

Personal Accident Insurance - Personal Effects Coverage (PAI-PEC) is offered at the time of rental for an additional daily charge. If accepted the PAI contained in the policy provides renter and renter's passengers with Accidental Death, Accident Medical expenses and ambulance expense benefits.

 

The PEC contained in the policy insures the Personal Effects of the renter, additional drivers, or any member of the renter's immediate family who permanently resides in the renter's household and who is traveling with the renter against risks of loss or damage.

 

Benefits are payable in addition to any other insurance coverage the renter or passengers' may have. This is a summary only. PAI-PEC is subject to the provisions, limitations, benefits and exclusions of the PAI-PEC policy underwritten by Chubb Insurance Company of Canada.

 

The purchase of PAI-PEC is optional and not required to rent a car. The coverage provided by PAI-PEC may duplicate the renter's existing coverage. National is not qualified to evaluate the adequacy of the renter's existing coverage; therefore the renter should examine his or her personal insurance policies or other sources of coverage that may duplicate the coverage provided by PAI-PEC. The PAI-PEC for this branch is 6.99 CAD per day.

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