Membership club service providing access by car rental companies to pre-qualified, identity verified, insurable car-rental candidates enrolled as members in the club, for the purpose of facilitating a car rental by the car rental companies to the club member; membership club service providing access by club members to participating car rental companies for the purpose of facilitating reservations and rentals of cars to the club members; administering membership club service program that provides access by car rental companies to pre-qualified, identity verified, insurable car-rental candidates enrolled as members in the club, for the purpose of facilitating a car rental by the car rental companies to the club member, and access by club members to participating car rental companies for the purpose of facilitating reservations and rentals of cars to the club members, including: verifying the identity of club members and financial ability of club members to pay for car rental services, maintaining funds of club in escrow and authorizing disbursement of same to participating car rental companies when appropriate, securing and purchasing insurance for club members to insure against damages base on use of rental cars rented to club members by participating car rental companies, enabling club members and participating car rental companies to receive the above services through the use of membership cards administered by the membership club service provider; and membership club services providing all of the above via web-based portals, traditional counter service, kiosks, and telephone access