In car rental, Personal Effects Coverage (PEC) is an optional additional coverage that is sold at the rental desk. Usually, it covers the loss or theft of personal belongings of the principal driver, additional driver, and any member of the principal driver’s immediate family. The PEC is calculated as a fixed sum per rental day. This means that the final cost of PEC depends on the duration of the rental. Generally, the PEC covers only a certain amount of cost-related loss or theft of personal belongings. The exact amount depends on the rental car supplier.