Updated: June 26, 2026
Short answer
To rent an exotic car from Grant Motor Group you need proof of comprehensive auto insurance, active and in your name. Because you are responsible for damage during the rental, the coverage limits on a six-figure car can be specific, so confirm exactly what your policy needs to show by texting (623) 400-3031 before you book.
Grant Motor Group requires proof of comprehensive auto insurance to rent any car in the fleet, and the policy should be active and in your name. Because you are responsible for damage during the rental, the smart move is to confirm your coverage actually extends to a high-value rental before you reserve. The exact liability limit for a six-figure car can be specific, and a standard policy does not always reach far enough, so it pays to check the details with the team rather than assume.
Two things have to be true. First, your policy should be comprehensive, meaning it covers more than the bare state minimum. Second, your liability coverage should be high enough for an exotic, because these cars raise the exposure well above a typical economy rental. GMG confirms the exact figure your proof needs to show when you book, rather than a number that would not fit every situation, so ask for it up front.
Both pieces have to be in place before you drive. You cannot add coverage on the spot at delivery, so set it up first. Bring proof at pickup or have it ready when the car is delivered. The car's condition is checked at handoff and again at return, and your insurance details are confirmed at handoff.
A note on whose name is on the policy. The coverage should be active and in your name as the renter. If the car you normally drive is insured under a family member's policy, check that you are a listed driver on it. A policy that does not name you may not cover you on the rental, even if it covers the household.
These words get mixed up, so here is what each one does. Liability pays for the other party when you are at fault: their injuries, their car, their property. It does nothing for your rental car. Collision pays to repair the car you are driving after a crash. Comprehensive pays for damage that is not a collision, such as theft, fire, vandalism, or a rock through the glass.
GMG's requirement centers on two of these: a strong liability limit and comprehensive coverage as the policy type. For your own protection on the car itself, you also want strong collision coverage, because you are on the hook for damage to the vehicle during the rental. Knowing which coverage does what lets you read your own policy and spot a gap before it becomes a problem.
Here is a quick example. Say you clip a parked car. Your liability coverage pays for the parked car and any injuries to its owner. Your collision coverage pays to repair the exotic you were driving. If a hailstorm cracked the windshield instead, that is a comprehensive claim, not a collision one. Same car, different events, different coverage. That is why each part matters on a vehicle this valuable.
A standard personal auto policy often covers rental cars, but the coverage can come up short on a six-figure exotic in two ways:
Call your insurer and ask two direct questions: Does my policy cover a rental valued over $200,000? Are exotic or high-performance cars excluded? If either answer is a problem, ask about a rider, a higher limit, or a non-owner policy, and ask GMG what options exist. Sorting this out early is far more affordable than discovering a gap after something goes wrong.
Do not rely on a verbal "you're probably covered." Ask your insurer to confirm it in writing or by email, naming the value range and the exotic question directly. A short paper trail protects you if a claim ever comes up.
Many travel credit cards include rental car coverage, but it rarely helps on an exotic. Card benefits almost always list exclusions, and high-value or exotic vehicles are one of the most common categories left out. Even when a card does cover a rental, it usually provides secondary collision coverage, not the liability that GMG requires, so it would not satisfy the rental terms on its own.
Do not assume a card benefit is enough. If you plan to rely on one for any part of your coverage, read the benefit guide for the exact exclusions, and confirm with both the card issuer and GMG before your rental date. For the liability requirement specifically, you will almost certainly need a real auto policy.
If you want more protection than a standard policy, ask your insurer about an umbrella policy. An umbrella adds a layer of liability on top of your auto coverage, usually in million-dollar steps, for a modest yearly cost. It is a common way drivers comfortably clear an exotic's liability requirement and add a real cushion on a high-value rental.
Do this in order. Check that your policy is comprehensive and that your liability limit is high. Call your insurer to confirm it covers a high-value exotic rental with no exclusion, and that your collision coverage is solid. Then confirm the exact figure GMG needs to see, and book, by calling or texting (623) 400-3031, or message @grantmotorgroup, with your proof of insurance ready.
If your current policy will not cover the car, ask the team about your options well before your rental date so nothing stalls at delivery. The goal is simple: walk up on the day with coverage already confirmed, hand over the proof, and drive.
Do not own a car, or have no auto policy at all? See Can you rent an exotic car without your own auto insurance?
Call or text (623) 400-3031 or send a DM to @grantmotorgroup on Instagram. We deliver anywhere in Scottsdale.
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