It's a very profitable product, precisely because of people like you. I'm not here to say which side is better, but rather to encourage you to be educated about the process and coverages. 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. Answer 1 of 8: Does anyone know of any legitimate third party rental car insurance that Canadians can buy for rental in Canada ? 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. I check with our renter's insurance and we do have Liability insurance from our policy. I don't have a car insurance since I don't own a car. No annual fee; 1% unlimited cash back on all purchases That said, it’s a good idea to check with an insurance advisor like I thought I was being clever by always declining the CDW and using my credit card that offered rental car coverage. It works the same way with your full coverage personal auto insurance. I check for our CC policies and they don't offer rental coverage (Tangerine Mastercard and Amazon Visa). Credit card rental car insurance often excludes coverage for liability or personal injury to you or others. the rental agency wanted ~$30/day for insuring the car itself from damage and 3rd party liability. 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. Driving rules in cities and on highways; 7. Press question mark to learn the rest of the keyboard shortcuts, "What is NOT covered? Although your car insurance policy will cover your personal vehicle, it may not extend to cover a foreign rental car. But note, many debit cards do NOT offer this coverage. Answer 1 of 5: We are renting a car in Vancouver,BC and driving to Seattle. 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. be warned it's probably not covered as a "luxury" vehicle. 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. It's from VISA for AVIS and it's a 25% off rental coupon that also waves the underage surcharge. 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. From what I've heard it can be rather expensive, $30-50/day though. There are plenty of places that rent cheap older models for around 200$ 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. It Is then up to you to make the claim with your credit card company. 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. What that means for you is that when you close the rental the rental company charges the damages on your credit card. I've been doing this for years and have saved SO MUCH money! The rental agency refused to release their usage information as they considered it proprietary. Rental Car Protection Insurance. 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. That means they will pay to provide a rental vehicle but you are still responsible for the condition of that rental. I'm curious as to what insurance companies you guys recommend and where I could get the best bang for my buck. Check if your current auto insurance company that you use in Canada has an option. Mine is only up to 30k, anything over thay and I'm liable for it. 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. I can confirm all of this. Hi. Yes, you will need insurance for your car rental in Canada. 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. We’ll give a brief overview of each one, and what your current auto insurance might already cover. I used in on a trip to Seattle earlier this year. You can potentially be charged for every day that car is unable to be rented because of repairs. So now the question is if I get miles credited for charges incurred from an accident. 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. I am in the lower income bracket 20k. The car rental insurance coverage provided by the card is basic and similar to the other no-fee cards. 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. The LDW (loss-damage-waiver) covers the car, and that's what is often covered by premium credit cards. Here's some context: -Male, 24, no insurance history, G Driver. User account menu. U.S. auto insurance is allowed, so long as the person driving is a tourist and not a resident of Canada. Years ago I rented 350z on vacation. There are two different kinds of rental car insurance, and I suspect you don't know which one you're asking about. As a former employee of a car rental business I can tell you there are both sides to this. Auto. Credit card companies often have other exclusions on their coverage for rental vehicles. If you're using your own insurance, also check with the insurance company to make sure your coverage extends into Canada. At the car rental counter, when asked if they want insurance for their rental car, many travelers say "no." If you have comprehensive insurance on your personal vehicle, most likely it includes rental car insurance as well. You may not need the automobile insurance offered by Hertz. Extra liability insurance for car rentals in Ontario. You're correct about the credit cards, but it's not that simple. New comments cannot be posted and votes cannot be cast, More posts from the LifeProTips community. N'T have been covered neither against damage or Theft of your rental coverage. Many travelers say `` no. of rental for the time they 'll rely on the value of the shortcuts... 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