One of the most dangerous misconceptions in car rental is: “In an emergency, the insurance pays.” In the case of misappropriation of a rental vehicle, this is generally not true.
Theft vs. misappropriation
The difference is legally subtle but economically enormous. In theft, the vehicle is taken against the owner's will – here comprehensive insurance applies. In misappropriation, the vehicle is handed over voluntarily and then unlawfully withheld or sold. This case is usually not covered by comprehensive insurance.
The consequences for the business
The GDV puts it in a nutshell: every misappropriation of a rental car is one fraud case too many. Smaller and medium-sized rentals are hit hard, because a single car that is not returned can destroy the value of several months' turnover.
Prevention is the real insurance
If the damage is not insurable, the focus inevitably shifts to prevention. Consistent ID checks, clean documentation and digital processes that make anomalies visible early are therefore not optional but an economic necessity.
Sources & further information
- German Insurance Association (GDV)
- procontra-online.de (2026)