Bonzah Rental Car Insurance Review

Sick of sticker shock at the rental desk for less than satisfactory coverage? Travel hassle-free with Bonzah, the only online provider of primary and supplementary liability insurance for rental cars and other non-owner vehicles. Find out why we gave Bonzah 5 stars in this Bonzah Rental Car Insurance Review.

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Contributor, Benzinga
August 3, 2021
Overall Rating: offers an affordable, hassle-free alternative to insurance sold at the rental car desk. Headquartered in Des Moines, Iowa, and in business for more than 5 years, Bonzah is available in every state and most countries.

Bonzah is a unique platform offering on-demand rental car coverage, often at a cheaper price than you’ll see at a rental desk. Providing supplementary and primary liability insurance through a digitized sign-up experience, Bonzah provides a wide range of perks and benefits to policyholders. This includes free cancellation within 10 days of purchase, roadside assistance and more. Bonzah is available in every state and most countries.

Best For
  • Frequent travelers who know the value of quality rental car insurance
  • Car owners and non-owners who need liability coverage
  • Cost-conscious drivers
  • Uninsured motorists who are licensed to drive and wish to insure a rental car
  • Up to $35,000 in coverage in primary and secondary liability insurance
  • 24 hour customer service
  • Usually cheaper than rental car coverage at the rental desk
  • Online quotes and claims
  • Must purchase ahead of time

Bonzah Ratings at a Glance

When you rent a car, you might not pay all that much attention to the agreement or the insurance requirements. In fact, you might sign a waiver noting that you have auto insurance that covers the rental—but do you? Are you covered enough? Bonzah hopes to fill the gap and make renting a car that much safer for everyone involved.

Bonzah Video Review

Bonzah Rental Car Insurance Coverage Options

Did you know that Bonzah is the only company offering on-demand primary and supplemental liability insurance products online?

At Bonzah, you can choose insurance that covers:

  • Rental car damage up to $35,000, which includes collision, theft, vandalism, windstorms, fire, hail, flooding and damage outside of your control
  • Optional roadside assistance
  • $500 maximum deductible for accidents with other vehicles

Primary and supplemental liability insurance includes:

  • Up to $1 million aggregate in the U.S. and Canada
  • Renter’s contingent liability, offering minimum coverage for the state where you are driving
  • Coverage of statutory state minimums in each state

Coverage also includes:

  • Baggage and personal items
  • Zero deductible for liability claims
  • A 10-day free look
  • Coverage for everyone 21 and older

When you are ready to get a quote, choose where you are traveling and when. Enter the drop-off time for the car, your country of residence and the quote generates quickly. 

You are free to comparison shop, buy upfront or come back when you are ready to buy. This makes Bonzah an easy platform to use because you can do your research prior to the purchase without getting too “in the weeds” while looking at pricing. Plus, this is a platform you can use on the fly, purchasing coverage on the spot when you have no other option.

Bonzah Customer Service Rating

When you require support, you can reach out to Bonzah using the online contact form or by sending a message and requesting a callback. Make sure you keep your eyes on your phone and be ready to answer. While Bonzah cannot promise a callback at a specific time, it will get back to you faster than you think.

You can also connect with the platform on Facebook, LinkedIn and Twitter. Reaching out via social media might make your life easier if you’re on the move.

With so many options and 24-hour customer care, Bonzah receives 5 stars. If you think it’s too good to be true, check out all the positive reviews Bonzah’s garnered since its inception.

Bonzah Customer Pricing

Your pricing depends on where you are going, what you are renting and how long you plan to use the vehicle. This is no different than any other car insurance plan. You can be sure that Bonzah is:

  • More affordable than the rental counter
  • Offers zero-deductible policies
  • Works better than your traditional car insurance
  • Is more powerful than travel insurance
  • Offers more coverage than your credit card

Check the dates for your trip and review Bonzah’s pricing to see for yourself. With pricing this good, Bonzah receives 5 stars. 

Bonzah Mobile App Rating

The Bonzah mobile app is almost better than the website. It is clean and easy to read. You can download it in the Google Play Store or the Apple App Store.

When you download the app, it allows you to get a quote right away. Your upcoming trips are on the bottom of the screen, and the top menu takes you anywhere you want to go.

Of particular note is the fact that the Contact Us option is 1st on the menu. Remember, using the mobile app should make your life easier and keep you off the computer—and that is why Bonzah’s mobile app receives such a high rating.

Bonzah User Benefits

Bonzah comes with so many benefits that you will never get bored when visiting the website. On any visit, you can review:

  • More FAQs than you will find on a traditional insurer’s website
  • A learning section that teaches you all about the service
  • A list of everything that is not covered
  • The blog, covering seasonal and topical issues in the insurance and travel worlds

You also can file claims easily on the website and cancel at any time. Because the platform is so easy to use, it provides you with a level of flexibility that you simply do not get from your traditional insurer—especially when you expect your auto insurance to cover a rented car. There are too many questions and too much paperwork.

Bonzah cuts out all that bureaucracy by offering coverage for the vehicles consumers most often rent, covering cars, which most people tend to rent while on a trip, but also covering:

  • 8 seaters passenger vans
  • SUVs
  • Exotic cars less than $50,000 in value

What Is Not Covered by Bonzah?

While a lack of coverage is not a benefit, it is interesting to note that Bonzah clearly labels everything that is not covered. This way, you know what you are getting and never sign up thinking you are getting coverage that does not exist. If we were rating on transparency, Bonzah would get 5 stars here, too.

Bonzah does not cover:

  • Bicycles
  • Motorcycles
  • Off-roaders
  • Commercial trucks
  • Trailers
  • RVs
  • Antique cars
  • Exotic cars more than $50,000 in value

The simplicity of the platform makes it easier to use, and it ensures that you get the support you need and never feel surprised by the coverage that’s offered. It is of particular note that you require a special policy for exotic vehicles and, most likely, you should arrange for that coverage before picking up the rental.

User Experience

Bonzah makes the user experience that much better by providing such good coverage. Someone who is planning a long trip could easily try Bonzah and secure a rental car in advance of any journey. Plus, the user experience includes no deductible and a quality mobile app. 

The mobile app ensures that you can manage your policy on the go because you are likely not near a desktop or laptop. You are never out of touch with your policy, and you know that you will never pay out of pocket if something happens to your rental car. 

Bonzah is also quite upfront about what it does not cover — helping you avoid confusion. 

Because the value of a Bonzah policy is so high, you know you can get through most accidents without much trouble. Plus, it serves as a wonderful supplement to your traditional car insurance. 

This insurance also can serve as a supplement to your travel insurance. You never want a long and expensive trip to be derailed by a car accident your travel insurer doesn’t cover.

Bonzah Rental Car Insurance Review vs. Competitors

Bonzah stands out from the crowd by providing top-tier service and support. The firm begins with a no-deductible policy, giving you the peace of mind you deserve when you are on vacation or out of town. Nothing is worse than getting in a car accident and dealing with the minutiae of traveling. 

The Bonzah insurance app is extremely nice, making it one of the best mobile applications. Traditional insurance companies don’t have a mobile app this nice.

The option to live chat and request a callback about something as simple as a rental car insurance policy is simply divine. The policies themselves may seem — to the outside world — to be secondary at best, not worthy of the care and attention that Bonzah provides. Fortunately, Bonzah has invested heavily in customer care, providing you with the assistance you need when you need it.

Bonzah Rental Car Coverage Overall Rating

There is nothing askew about Bonzah in the least. The platform offers an amazing insurance plan that simply undercuts traditional car insurance, providing you with the peace of mind you need. Yes, it’s easy to sign away your rights at the rental counter and assume your traditional insurer will help, but Bonzah gives you a massive amount of coverage, no deductibles, a quality mobile app and even better customer service. 

For every reason listed above, Bonzah receives 5 Stars.

Frequently Asked Questions


Do rental cars come with liability insurance?


No, you have to buy liability insurance at the counter or use your personal insurance, but it might not be enough. Bonzah understands that you may have the cheapest traditional car insurance, making the platform a good choice, or that you may not have car insurance at all.


What is the best rental car insurance to get?


The best insurance plan is the one that is the most convenient and affordable. You have every right to shop around, search for good coverage and keep your prices low. This includes renting a car and searching for insurance that covers you during trips away from home.

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