Zipcar insurance coverage depends on the exact booking and pickup terms. The 2 research notes below show what is documented, which conditions matter, and where a branch confirmation is still needed.
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Before you rely on a policy
Amounts and eligibility can change by branch, vehicle, card, and booking. A pending hold is different from a settled charge.
What the policy actually says
| Policy point | Applies when | Amount / status | Source |
|---|---|---|---|
| Plus protection member damage responsibilityverified scoped | Plan: plus | $375 | Official policy ↗ |
| Premium damage protection member damage responsibilityverified scoped | Plan: premium | $0 | Official policy ↗ |
- Plus damage protection may set member damage responsibility at $375, eligibility and fee differ.
- Premium damage protection can set member damage responsibility at $0, subject to exclusions.
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Check the rule against your booking
- Separate rental-car damage from third-party liability.
- Read the waiver exclusions and permitted-driver terms.
- Compare your card and personal insurance documents before deciding.
- Save the location terms and signed agreement before leaving the counter.
What to do next
Use the related tool for a conditional estimate. If your location is not covered by a verified rule, the result will remain unverified instead of using another branch's rate.
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Official sources
- Damage protection coverage ↗ support.zipcar.com · reviewed 2026-11-02
- FTC consumer guidance on renting cars ↗ consumer.ftc.gov · reviewed 2026-11-02
Research checked 2026-11-02. Pickup terms and signed agreements can change. Verify your booking details before paying.
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