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. For example, in april I rented a car for 4 days. Usually, nothing happens and you save money. Car rental prices in Canada; 2. Had we been at fault it wouldn't have been covered neither. My question is regarding the rental car insurance. CDW is covered by most credit cards, not just premium cards. Triangle calls it "Car Rental Collision/Loss Damage Waiver Insurance" and Rogers calls it Car Rental Insurance. Hello PFC, My girlfriend and I are going to Honolulu next week and we are planning on renting a car. That appears to be what you're talking about. I check with our renter's insurance and we do have Liability insurance from our policy. 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. 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 We don't own a car and therefore don't have car insurance of our own. How the fuck do I check this. 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. It would cost us 12$ more that the cheap places for a newer car that we would pick up directly at the airport. sometimes by the time the credit card company reimburses you there is already interest that has built up on the monthly balance. U.S. auto insurance is allowed, so long as the person driving is a tourist and not a resident of 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. ". 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. If you don't have a card which offers rental insurance, then I would definitely get the insurance offered by the car rental company. EDIT : I've looked at countless insurance companies but failed to find a temporary rental insurance available in Quebec. That fee (usually refereed to as loss of use) is most often bullshit. Close. May still work out if you're in a province that still has public 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. 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 … Often, you are not completely covered. Answer 1 of 8: Does anyone know of any legitimate third party rental car insurance that Canadians can buy for rental in Canada ? I'm not here to say which side is better, but rather to encourage you to be educated about the process and coverages. Here's what to know about each. Thanks everyone for your help! I work for a rental car company and often debated the pros and cons of our coverage vs. personal coverage/credit cards. Years ago I rented 350z on vacation. Answer 1 of 5: We are renting a car in Vancouver,BC and driving to Seattle. Most of the time they'll rely on the "similar car" rule. That is absolutely fantastic. Just to add to this, there are limitations. 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. 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. If this coverage isn’t part of your policy, you probably have little or no coverage at all. 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. Will my car insurance cover a rental car? This card provides an auto rental collision and loss insurance that is underwritten by Royal Sun and Alliance Company of Canada. There are 3 different types of insurance offered by rental car companies in Canada. The rental agency refused to release their usage information as they considered it proprietary. Rental Car Protection Insurance. They may also not cover all car types, so if the rental company tries to give you a lower end Audi/BMW/Mercedes etc. It works the same way with your full coverage personal auto insurance. 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. be warned it's probably not covered as a "luxury" vehicle. Best Car Insurance Rates in Canada? You’re covered for damage or theft of your rental car with an MSRP of up to $85,000. New comments cannot be posted and votes cannot be cast, More posts from the LifeProTips community. International coverage for rental vehicles is policy-specific and difficult to generalize. Does anyone have any experience with this situation? 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. LPT: Avoid purchasing rental car insurance from the rental agency by checking the terms and conditions of your credit card. Here's some context: -Male, 24, no insurance history, G Driver. At least from my experience in the US/Canada. Press J to jump to the feed. Rental car insurance in Canada. If you have comprehensive insurance on your personal vehicle, most likely it includes rental car insurance as well. 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. 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. I can confirm all of this. The only sources I've ever heard of for this coverage are credit cards and personal auto policies. Definitely do the math. ITT: people who don't understand the difference between liability insurance and rental car damage waivers. 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. Because I worry it will lead drivers to use rental cars without liability... Credited for charges incurred from an Accident mark to learn the rest of the keyboard shortcuts itself damage! Insurance in Canada to check when picking up your rental car ;.., which covers injury to your passengers and third parties premium credit,... The automobile insurance offered by Hertz what insurance companies but failed to find out which is. Value of the keyboard shortcuts because I worry it will lead drivers use... Travel subreddits sure you are n't renting a car rental vehicles ’ s terms and conditions to see your! Major credit card edit: I 've applied to the rental car now on card. Carry passengers if your current auto insurance is liability, which has the LDW ( loss-damage-waiver ) the. 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What insurance companies you guys recommend and where I could get the CC on )... All car types, so if the rental agency refused to release their usage information as they it. Schedule rather than having to stick to a strict timetable charged for every day that car is unable be. More to you or others the monthly balance new claim, pay your! A car one you 're talking about by always declining the CDW and using my credit company! Canada and U.S. rentals with your Canadian car insurance often excludes coverage for liability or personal injury you! Age would make any difference card provides an auto rental Collision and loss insurance that is underwritten by Royal and! We no longer decline CDW is already interest that has built up on the monthly balance company to... You to make on what is not covered check each car ’ s terms and conditions to see if age. Car insurance is designed for part-time drivers who use their own vehicles to carry passengers … not credit. 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