Yes. For example, in B.C. Thanks everyone for your help! Archived. The car rental insurance coverage provided by the card is basic and similar to the other no-fee cards. The only sources I've ever heard of for this coverage are credit cards and personal auto policies. LPT: Avoid purchasing rental car insurance from the rental agency by checking the terms and conditions of your credit card. This answer varies, depending on your insurance company and policy. Language: English, French | Currency: Canadian dollar ($) | Avg. Auto. But the rental agency also charged us for lost days of rental for the time it out of commission. Just to add to this, there are limitations. Another thing that your insurance company/credit card company might not cover is what's called "loss of use." Things to check when picking up your rental car; 6. Ride-sharing Ride sharing car insurance is designed for part-time drivers who use their own vehicles to carry passengers. The country is vast and it can be liberating to create your own schedule rather than having to stick to a strict timetable. Answer 1 of 2: Hi, I am on a 2 month business visit to Canada in Toronto. This card provides an auto rental collision and loss insurance that is underwritten by Royal Sun and Alliance Company of Canada. Unless you're renting a car in Saudi Arabia, or Ireland. Your best bet is to contact your insurance company and ask if they can provide insurance coverage for renting a vehicle in Canada. But note, many debit cards do NOT offer this coverage. Mine is only up to 30k, anything over thay and I'm liable for it. Definitely do the math. Car rental prices in Canada; 2. There may be additional fees from the rental car company for the loss of use of their vehicle that your credit card won’t cover. The other type of auto insurance is liability, which covers injury to your passengers and third parties. From what I've heard it can be rather expensive, $30-50/day though. 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. I would like to rent a car and not have to pay extra for the rental car companies Collision Damage Waiver fee. Be careful with this. Press J to jump to the feed. I'm not here to say which side is better, but rather to encourage you to be educated about the process and coverages. Press J to jump to the feed. After all the hassle and taking the financial hit, we no longer decline CDW. Car Rental Insurance. even if you are immediately approved. New comments cannot be posted and votes cannot be cast, More posts from the LifeProTips community. Hey guys, I'm currently shopping around for a new car insurance plan as I recently upgraded to a new (to me) truck. We’ll give a brief overview of each one, and what your current auto insurance might already cover. Press question mark to learn the rest of the keyboard shortcuts, "What is NOT covered? Buying insurance from the rental car company. You're correct about the credit cards, but it's not that simple. How rental car insurance works. Auto insurance from Erie Insurance is designed to suitably protect you and your family for incidental use of a car that’s not your own, such as a short-term rental of less than 45 days. 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. ;). Rental Car Protection Insurance. Car insurance professionals recommend adding a rental car endorsement to fully extend your benefits to cars that you rent. Not all credit cards automatically cover rental car damage. 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. There are 3 different types of insurance offered by rental car companies in Canada. 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 … damage to the vehicle during an accident. We both have travel insurance through our jobs but neither cover car rentals abroad. I've been doing this for years and have saved SO MUCH money! You’re covered for damage or theft of your rental car with an MSRP of up to $85,000. How the fuck do I check this. Can I book a one-way car rental? My insurance company says I am covered. Which car type to choose in Canada; 5. May still work out if you're in a province that still has public insurance. Hi. 0. I check for our CC policies and they don't offer rental coverage (Tangerine Mastercard and Amazon Visa). Answer 1 of 8: Does anyone know of any legitimate third party rental car insurance that Canadians can buy for rental in Canada ? Rental Car Insurance on Vacation. I knew that they come with liability insurance, but yesterday I was surprised when I asked Enterprise how much coverage there is, and they said $200,000, which isn't very much for a serious accident. If you have liability insurance for your own vehicle, it probably also covers you when you operate a rental vehicle, but you need to confirm that by checking your policy. ITT: people who don't understand the difference between liability insurance and rental car damage waivers. If you're using your own insurance, also check with the insurance company to make sure your coverage extends into Canada. It would cost us 12$ more that the cheap places for a newer car that we would pick up directly at the airport. Our public insurance would be SAAQ though. Most of what I've found on the web is just advising that rental insurance is not necessary as most people are covered in a way or another, but this is not our case. I can confirm all of this. If any damages happen to the rental, you have to file a whole new claim, pay out your deductible again, etc. Hello PFC, My girlfriend and I are going to Honolulu next week and we are planning on renting a car. So make sure you aren't renting a car worth more than what your insurance covers. Go check with whoever insures your own vehicle as well. But if that really is what you're talking about, it's possible that your tenant's / homeowner's policy can add an umbrella liability rider that will cover you. So now the question is if I get miles credited for charges incurred from an accident. The answer is often no. So in the end it looks like we're covered (if I can get the CC on time). Currently, we offer our customers Damage Waiver, Personal Accident Insurance, Personal Effects Coverage. What that means for you is that when you close the rental the rental company charges the damages on your credit card. EDIT : I've looked at countless insurance companies but failed to find a temporary rental insurance available in Quebec. That's usually because the optional collision damage waiver … The purchase of PAI-PEC is optional and not required to rent a car. For example if you have not fully paid off your credit card in the last 12 months in full they have the option to not cover you, also I have heard of instances when the credit card company will look into the circumstances of the damage and if you damaged the vehicle on private property they have the option not to cover. 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. For people who rent cars frequently, this coverage is worth the added cost. So, it really is a choice you have to make on what is worth more to you. U.S. auto insurance is allowed, so long as the person driving is a tourist and not a resident of Canada. It's a very profitable product, precisely because of people like you. In the US, most states require that you have liability insurance if you drive any car. You might also have coverage for Canada and U.S. rentals with your Canadian car insurance. Watch out for any possible additional fees! Thank you so much for this link. Press question mark to learn the rest of the keyboard shortcuts . 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. I booked my rental with an AMEX for the insurance. However, one morning, we came out of our hotel in very cold weather, and the windshield was cracked. Learn more. We don't own a car and therefore don't have car insurance of our own. I am in the lower income bracket 20k. My question is regarding the rental car insurance. Injury of anyone or damage to anything inside or outside the rental vehicle.". ". That is absolutely fantastic. 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. The coverage offered by most credit cards is only coverage for damage to the rental vehicle itself. 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. the rental agency wanted ~$30/day for insuring the car itself from damage and 3rd party liability. Posted by 1 year ago. often they have very cheap insurance. be warned it's probably not covered as a "luxury" vehicle. The coverage provided by PAI-PEC may duplicate the renter's existing coverage. PC World Elite Mastercard has no annual fee and has car insurance included. Reference from Visa website: "What is NOT covered? I've never heard of a rental car agency not offering liability insurance -- in every jurisdiction I've ever rented a car in, it's mandatory. Years ago I rented 350z on vacation. 357. We have this in MB ( public car insurance though). Give a little push back on that and most of the time they'll cave. Liability coverage is what protects you if you are at fault in an accident and cause damage to another vehicle, personal injury to other people, or property damage. There are plenty of places that rent cheap older models for around 200$ USD for the week, which is really appealing since I'm under 25 and we would be avoiding those gouging ''Under 25'' fees from the major companies. Close. The coverage extends to cars in the U.S. or Canada. 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. There were a few others they had that interested me but there was a cap on the value of the car they'd insure. I check with our renter's insurance and we do have Liability insurance from our policy. Rental car insurance in Canada. No annual fee; 1% unlimited cash back on all purchases 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. Is that correct, or do I need special insurance on a rental car in Canada… However, those cheap places don't offer insurance and require that you have your own insurance. 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. Are there any credit cards in Canada that have car rental insurance coverage but without the minimum threshold income requirement? I am literally using a rental car now on credit card. 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. I have a RBC points card and TD points card. Does anyone have any experience with this situation? Definintely not our fault. Yes, you will need insurance for your car rental in Canada. 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. Most credit cards do not provide liability insurance. sometimes by the time the credit card company reimburses you there is already interest that has built up on the monthly balance. Press question mark to learn the rest of the keyboard shortcuts. Best Car Insurance Rates in Canada? Here's what to know about each. Injury of anyone or damage to anything inside or outside the rental vehicle. We were charged for the damage by the rental car company and were able to get reimbursed by the credit card company for the actual cost of the repair. The rental agency refused to release their usage information as they considered it proprietary. 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. You may not need the automobile insurance offered by Hertz. Tips that improve your life in one way or another. The coverage for the car and the 3rd party liability amounts were both significantly better. This is a dangerous LPT because I worry it will lead drivers to use rental cars without any liability insurance. 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. At the car rental counter, when asked if they want insurance for their rental car, many travelers say "no." RENTAL CAR INSURANCE AND OTHER PROTECTION PRODUCTS (CANADA) Enterprise does offer additional protection products that you can purchase along with your rental vehicle. If you have comprehensive insurance on your personal vehicle, most likely it includes rental car insurance as well. 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. Temporary vehicle replacement Get access to a rental car to keep you on the road while your car is being repaired or replaced following a claim. At least from my experience in the US/Canada. If you need additional insurance, Protection Plus (PP) is available. I regularly rent cars in Ontario. Driving rules in cities and on highways; 7. 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. Often, you are not completely covered. My girlfriend and I are going to Honolulu next week and we are planning on renting a car. Optional car rental insurance. 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. Thank you. That means they will pay to provide a rental vehicle but you are still responsible for the condition of that rental. Enterprise is not qualified to … Best Car Insurance Rates in Canada? I work for a rental car company and often debated the pros and cons of our coverage vs. personal coverage/credit cards. 4. I'm curious as to what insurance companies you guys recommend and where I could get the best bang for my buck. This is a popular link in the travel subreddits. It Is then up to you to make the claim with your credit card company. Most of the time they'll rely on the "similar car" rule. Does My Personal Policy Provide Liability Coverage? The people who insure my car charged me a $15 administrative fee + $2 a day - $23 total. Try that if you can still make it in time. It's from VISA for AVIS and it's a 25% off rental coupon that also waves the underage surcharge. At least from my experience in the US/Canada. Check if your current auto insurance company that you use in Canada has an option. 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. Just actually read your while comment. 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. 357 votes, 36 comments. Interesting. The LDW (loss-damage-waiver) covers the car, and that's what is often covered by premium credit cards. Answer 1 of 8: Since my last trip, my credit card issuer discontinued the CC I had which provided car rental insurance and replaced the CC with one doesn't (all the ones with rental car insurance are now fee-based) among other losses of coverage. 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.). 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. Credit card rental car insurance often excludes coverage for liability or personal injury to you or others. That fee (usually refereed to as loss of use) is most often bullshit. Often it will cover you for things like collision, but if you damage a rental car, the rental company can change you a fee for not being able to rent it out while it is getting fixed. In case you’re wondering, Royal & Sun Alliance Insurance Company of Canada are the underwriters. As a former employee of a car rental business I can tell you there are both sides to this. Usually, nothing happens and you save money. General Rules and Tips for Driving a Rental Car Across the U.S. / Canada Border. Thanks for spreading the word! Usually this is covered up to a certain dollar amount. International coverage for rental vehicles is policy-specific and difficult to generalize. Answer 1 of 5: We are renting a car in Vancouver,BC and driving to Seattle. For example, in april I rented a car for 4 days. If you don't have a card which offers rental insurance, then I would definitely get the insurance offered by the car rental company. CDW is covered by most credit cards, not just premium cards. Had we been at fault it wouldn't have been covered neither. Things to consider when choosing your rental car; 3. Do you really need that expensive rental car insurance they sell at the counter? Log In Sign Up. I don't have a car insurance since I don't own a car. Travel Information. Extra liability insurance for car rentals in Ontario. Will my car insurance cover a rental car? You and authorized drivers are covered while driving the rental car within the United States and Canada, but only if the car is rented in the U.S. Coverage does not apply in Mexico. Just check each car’s terms and conditions to see if your age would make any difference. There are plenty of places that rent cheap older models for around 200$ USD for the week, which is really appealing since I'm under 25 and we would be avoiding those gouging ''Under 25'' fees from the major companies. I used in on a trip to Seattle earlier this year. This will sometimes be a smooth process but often times is a sticky and drawn out process. Credit card companies often have other exclusions on their coverage for rental vehicles. You can potentially be charged for every day that car is unable to be rented because of repairs. Other Benefits of this Card. I've read through my agreements but am not 100% sure how to interpret it. Triangle calls it "Car Rental Collision/Loss Damage Waiver Insurance" and Rogers calls it Car Rental Insurance. It works the same way with your full coverage personal auto insurance. 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