Every Dream Exotics Vegas rental includes basic liability insurance. Most guests are additionally covered by their personal auto insurance policy or their credit card's rental car coverage — which often extends to exotic vehicles when you pay with that card. We walk every customer through coverage before they drive.
What Coverage Comes With the Rental?
Every Dream Exotics Vegas rental includes liability coverage that meets Nevada state minimums. This means damage to other vehicles or property is covered. The rental itself — the exotic car — is where you need to understand your personal coverage options.
Does Your Personal Auto Insurance Cover Exotics?
In many cases, yes. Your personal auto insurance policy typically extends to rental vehicles, including exotic cars, for the duration of the rental. Call your insurance provider before your trip and confirm that:
- Your policy covers rental vehicles
- There's no exclusion for high-value or exotic vehicles
- The coverage amount is sufficient for the vehicle's value
Does Your Credit Card Cover Exotic Rentals?
Many premium credit cards (Amex Platinum, Chase Sapphire Reserve, certain Visa Infinite cards) include rental car collision coverage as a cardholder benefit. This often applies to exotic vehicles when you pay for the rental in full with that card. Key things to verify with your card issuer:
- Whether coverage applies to luxury/exotic vehicles (some exclude vehicles above a certain value)
- Whether it's primary coverage (pays first) or secondary (supplements your personal insurance)
- The maximum claim value the card will cover
What If You Don't Have Coverage?
If your personal insurance and credit card don't extend to exotic vehicles, we can walk you through third-party supplemental coverage options before you book. This ensures you're protected before you get behind the wheel.
No Deposit Required
Unlike some competitors who hold $2,000–$5,000 on your card as a damage deposit, Dream Exotics Vegas does not require a security deposit. Your card is not frozen during the rental period.
The Bottom Line
Most guests who call their insurance company and credit card issuer before the trip find they're already covered. We recommend doing that call at least 24 hours before your rental. If you have any questions about coverage, call or text us at (888) 362-7791 and we'll walk you through it before you book.