Rental Guide

for residents of

Car rental insurance in Canada

We could not find a policy for this destination and residence combination
So you’re renting a car in Canada. Of course, no one wants to think about car rental insurance and collision damage waivers when taking in the splendor of Banff National Park, but buying rental car insurance/full protection products before you go could save you thousands, so it’s worth doing. At, we’ve built a global business around giving customers better coverage at a better price. And we pay 98% of claims within 3 business days, so you can save your CAD for extra poutine.
I'm renting a: Car

At the rental desk...

Insurance offered & what you need to know
Collision Damage Waiver (CDW)/Loss Damage Waiver (LDW)
CDW/LDW waives damage costs in full with zero deductible. LDW is CDW + Theft Protection.
  • Can be purchased for CA$26.82 - CA$53.64 per day.
  • You may pay more for less coverage.
  • May not cover accident-related fees.
Roadside Assistance Cover
Covers roadside costs such as towing, fuel and key lockout.
  • Can be purchased for CA$13.41 - CA$20.12 per day. Comparable insurance/full protection products & benefits
Collision Damage Insurance
Our Collision Damage Insurance is equivalent to CDW from the rental companies.
  • $0 deductible.
  • CDI is primary coverage so it won't impact your personal auto premiums.
  • Claims are handled and paid by Intact.
  • Cancel up to the day of departure for free.
  • Covered up to the policy limit for each individual incident.
  • Additional drivers on the rental agreement are automatically covered.
  • Damage related charges and administration costs are reimbursed once the claim is approved.
  • We guarantee to beat any price!
These are our top tips for outsmarting your car rental company.

Buy insurance before you go and save

If you don’t want to be on the hook for costly scratches and dings, let alone collision damage, buy rental car coverage before you go. With us, you’ll pay a fraction of the cost of insurance at the rental desk.

Capture the condition of the vehicle

Take pictures & videos of the vehicle before you leave to avoid unfair charges. Ensure any existing damage is marked up on the rental agreement as some cheeky rental car companies tend to charge customers for existing damages.

Just say 'no'

If you've bought Collision Damage Insurance with us, you can say 'no' to the hard sell for CDW/LDW from the rental company.

With Collision Damage Insurance...
  1. Notify your rental car company of the damage immediately.

  2. Go to to report all incidents.

  3. Submit any bills or required documents. You may receive a bill from the rental car company. If so, attach it to your claim and Intact Insurance Company will pay the rental car company directly. If you’re required to pay your rental car company up front, keep the invoice and you will be reimbursed when your claim is approved.

Get a quote for your next trip

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Covers cars/vans/SUVs/4x4s etc. of 1-9 passengers that don't need special licenses or aren't for commercial or off-road use.