So car rental for the under-25s or over-70s can be more expensive – which is one more reason to book with Rentalcars.com, as we work with all the big brands. The answer is often no. Dollar recommends speaking with your credit card company or auto insurance provider to get an accurate understanding of your auto policy coverage, whether or not it covers rentals, and if you would be required to pay a deductible in the event of an accident. My question is regarding the rental car insurance. Triangle calls it "Car Rental Collision/Loss Damage Waiver Insurance" and Rogers calls it Car Rental Insurance. Not all credit cards automatically cover rental car damage. The only sources I've ever heard of for this coverage are credit cards and personal auto policies. Answer 1 of 2: Hi, I am on a 2 month business visit to Canada in Toronto. At least from my experience in the US/Canada. Your policy will usually cover it, but it's a pain, and a claim, and sometimes a deductible, and it often doesn't cover the rental car company's loss of use (rentals that they can't realize while the car is being repaired), that you are responsible for. RENTAL CAR INSURANCE AND OTHER PROTECTION PRODUCTS (CANADA) Enterprise does offer additional protection products that you can purchase along with your rental vehicle. After all the hassle and taking the financial hit, we no longer decline CDW. Other Benefits of this Card. Usually, nothing happens and you save money. It works the same way with your full coverage personal auto insurance. In Canada, for example, third-party liability covers all damages to others or equipment, for a rental vehicle, it is possible to subscribe to a “collision damage waiver”, which, as the name indicates, covers the insured person. For example, in april I rented a car for 4 days. 357. Canadian car insurance requirements If you're headed into Canada from the U.S. for a day, a week, or even six months, your own auto insurance policy … It was a major hassle that was eventually covered, but the stress and the fact we were on vacation made her say if she could have gone back, she would've bought the insurance. Car insurance professionals recommend adding a rental car endorsement to fully extend your benefits to cars that you rent. Auto. Ride-sharing Ride sharing car insurance is designed for part-time drivers who use their own vehicles to carry passengers. For people who rent cars frequently, this coverage is worth the added cost. Car Rental Insurance. At the car rental counter, when asked if they want insurance for their rental car, many travelers say "no." Go check with whoever insures your own vehicle as well. That fee (usually refereed to as loss of use) is most often bullshit. The country is vast and it can be liberating to create your own schedule rather than having to stick to a strict timetable. Your best bet is to contact your insurance company and ask if they can provide insurance coverage for renting a vehicle in Canada. Yes. Insurance companies will often classify your vehicle as a compact, midsize, fullsize, sports car, truck, etc and direct you to rent something in the same category. Liability coverage is what protects you if you are at fault in an accident and cause damage to another vehicle, personal injury to other people, or property damage. You can potentially be charged for every day that car is unable to be rented because of repairs. https://www.avis.com/car-rental/html/partner/visa/visaglobal.html, Note: You don't actually have to use a Visa to get the offer. Here are two ideas I have - let me know what inputs you have: get added to my parents insurance as a second driver (i don't drive their car often - maybe like twice a month, and just deal with public transit for now.). You can do without the LDW/CDW if you pay for the car rental with a major credit card. Will my car insurance cover a rental car? If you don't have a card which offers rental insurance, then I would definitely get the insurance offered by the car rental company. It's from VISA for AVIS and it's a 25% off rental coupon that also waves the underage surcharge. Reference from Visa website: "What is NOT covered? Thanks everyone for your help! May still work out if you're in a province that still has public insurance. It Is then up to you to make the claim with your credit card company. If you damage the vehicle the rental company will treat it as you having no coverage, since your credit card coverage has nothing to do with the rental company, it's simply between you and your credit card company. Just actually read your while comment. Things to check when picking up your rental car; 6. If you're using your own insurance, also check with the insurance company to make sure your coverage extends into Canada. Credit card companies often have other exclusions on their coverage for rental vehicles. I think Geico does it. Although your car insurance policy will cover your personal vehicle, it may not extend to cover a foreign rental car. We don't own a car and therefore don't have car insurance of our own. Thank you. I booked my rental with an AMEX for the insurance. We have this in MB ( public car insurance though). You might also have coverage for Canada and U.S. rentals with your Canadian car insurance. Here's what to know about each. Years ago I rented 350z on vacation. I used in on a trip to Seattle earlier this year. I check with our renter's insurance and we do have Liability insurance from our policy. If you have a $500-1000 deductible and your insurance doesn't cover loss of use, then you might consider paying an extra $100 so that you don't have to worry about any of that. Seems like they both cover damage caused to a rental due to a collision, and that I must waive the insurance offered by the rental agency. Currently, we offer our customers Damage Waiver, Personal Accident Insurance, Personal Effects Coverage. Car rental prices in Canada; 2. Does My Personal Policy Provide Liability Coverage? 357 votes, 36 comments. Archived. Credit card rental car insurance often excludes coverage for liability or personal injury to you or others. If you take the rental companies coverage, yes it can be expensive, but really if anything happens you simply sign a piece of paper and walk away. It's a very profitable product, precisely because of people like you. The purchase of PAI-PEC is optional and not required to rent a car. Driving rules in cities and on highways; 7. You're correct about the credit cards, but it's not that simple. Available as an add-on optional coverage to a Single Trip plan or package, Rental Car coverage is perfect for Canadian residents and visitors to Canada. For example, in B.C. I'm curious as to what insurance companies you guys recommend and where I could get the best bang for my buck. That is essentially redundant with what rental car companies call a Loss Damage Waiver or Collision Damage Waivers. If you need additional insurance, Protection Plus (PP) is available. User account menu. What that means for you is that when you close the rental the rental company charges the damages on your credit card. There are two different kinds of rental car insurance, and I suspect you don't know which one you're asking about. I've looked around for resources explaining what our best options are to purchase insurance for the 8 days of our trip specifically for a rental car. The credit card company would not reimburse us for that unless we could prove that there was sufficient demand and that the rental agency actually could have rented it out. that way i can build history in the meantime and then buy a car In case you’re wondering, Royal & Sun Alliance Insurance Company of Canada are the underwriters. EDIT : I've looked at countless insurance companies but failed to find a temporary rental insurance available in Quebec. I've never heard of a rental car agency not offering liability insurance -- in every jurisdiction I've ever rented a car in, it's mandatory. Had we been at fault it wouldn't have been covered neither. I thought I was being clever by always declining the CDW and using my credit card that offered rental car coverage. Buying insurance from the rental car company. Are there any credit cards in Canada that have car rental insurance coverage but without the minimum threshold income requirement? CDW is covered by most credit cards, not just premium cards. My sister and I spent 3 hours in the middle of no where talking on the phone with the rental company/her credit card company. This will sometimes be a smooth process but often times is a sticky and drawn out process. the rental agency wanted ~$30/day for insuring the car itself from damage and 3rd party liability. You may not need the automobile insurance offered by Hertz. Does anyone have any experience with this situation? ". Give a little push back on that and most of the time they'll cave. n order for them to have actually lost money they have to be able to show that they had no other vehicles available for renting while the one you damaged was being repaired. 4. ;). The people who insure my car charged me a $15 administrative fee + $2 a day - $23 total. This is a dangerous LPT because I worry it will lead drivers to use rental cars without any liability insurance. Press question mark to learn the rest of the keyboard shortcuts, "What is NOT covered? So make sure you aren't renting a car worth more than what your insurance covers. Read this guide and feel safe declining it (plus check out the best credit card rental car insurance in Canada). That's usually because the optional collision damage waiver … Extra liability insurance for car rentals in Ontario. Enterprise is not qualified to … How rental car insurance works. Rental car insurance can come from your auto policy, the rental counter, a credit card or an independent company. Do you really need that expensive rental car insurance they sell at the counter? There are 3 different types of insurance offered by rental car companies in Canada. RENTAL CAR INSURANCE AND OTHER PROTECTION PRODUCTS (CANADA) ... PAI-PEC is subject to the provisions, limitations and exclusions of the PAI-PEC policy underwritten by Chubb Insurance Company of Canada. This card provides an auto rental collision and loss insurance that is underwritten by Royal Sun and Alliance Company of Canada. So now the question is if I get miles credited for charges incurred from an accident. I've been doing this for years and have saved SO MUCH money! I don't have a car insurance since I don't own a car. The car rental insurance coverage provided by the card is basic and similar to the other no-fee cards. Mine is only up to 30k, anything over thay and I'm liable for it. Press J to jump to the feed. Below are general items that apply any time you are going to take a rented vehicle across the U.S. / Canada border in either direction. Hello PFC, My girlfriend and I are going to Honolulu next week and we are planning on renting a car. Whether it's rental car liability insurance, a collision and loss damage waiver, or any other type of rental car insurance – you may already be covered. ITT: people who don't understand the difference between liability insurance and rental car damage waivers. Often, you are not completely covered. Most of the time they'll rely on the "similar car" rule. If this coverage isn’t part of your policy, you probably have little or no coverage at all. That is absolutely fantastic. I work for a rental car company and often debated the pros and cons of our coverage vs. personal coverage/credit cards. I wanted to take a rental car from Toronto and drive down to US to meet a few friends. Things to consider when choosing your rental car; 3. There were a few others they had that interested me but there was a cap on the value of the car they'd insure. The main benefit of buying the rental companies coverage is that it will be much less of a pain in the ass if anything happens. I have a RBC points card and TD points card. If any damages happen to the rental, you have to file a whole new claim, pay out your deductible again, etc. The coverage offered by most credit cards is only coverage for damage to the rental vehicle itself. I would like to rent a car and not have to pay extra for the rental car companies Collision Damage Waiver fee. Definintely not our fault. The LDW (loss-damage-waiver) covers the car, and that's what is often covered by premium credit cards. often they have very cheap insurance. So in the end it looks like we're covered (if I can get the CC on time). Arranging car rental in Canada will undoubtedly enhance your trip, allowing you to explore parts of the country that are difficult to reach via public transport or plane. Thanks for spreading the word! Press question mark to learn the rest of the keyboard shortcuts . The coverage for the car and the 3rd party liability amounts were both significantly better. My insurance company says I am covered. I suspect you're out of luck... but call the rental agency and find out, because I just don't believe that they don't sell it. Our public insurance would be SAAQ though. PC World Elite Mastercard has no annual fee and has car insurance included. Interesting. A new immigrant to Canada is grateful a Go Public investigation has helped him recover almost $4,000 Enterprise Rent-A-Car charged to his credit card for damage he says he didn’t cause. The coverage provided by PAI-PEC may duplicate the renter's existing coverage. 0. This looks to me like insurance bought from a USA.com based car supplier. General Rules and Tips for Driving a Rental Car Across the U.S. / Canada Border. Language: English, French | Currency: Canadian dollar ($) | Avg. I check for our CC policies and they don't offer rental coverage (Tangerine Mastercard and Amazon Visa). The rental agency refused to release their usage information as they considered it proprietary. 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