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Have you looked into Zipcar? That may suit your needs.
See the following link: http://www.zipcar.com
why not just rent a car when you need one? Why pay fees all year round when you do not need a rental car?
There are just not services as you describe because people do not want to pay for rental cars when they do not need them. Zipcar comes the closest tomwhat you describe.
Good morning. Except for a per use rental, the only available option is rental reimbursement coverage on your car insurance. that type of coverage pays your rental cr costs when your car is damaged or in the shop for repairs. This type of coverage is issued through your car insurance policy. other than that I don't know of any other rental program. I hope this helps you.