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Rental Guide

for residents of
Canada

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 rental car insurance when taking in Banff National Park, but buying rental car insurance before you go could save you thousands in repair costs. We’ve built a global business around saving customers 50% versus equivalent coverage at the rental desk. We aim to pay 95% of claims within 3 business days (upon approval), so you can save your CAD for extra poutine.
: Car

At the rental desk...

Insurance offered & what you need to know
Collision Damage Waiver (CDW)
CDW (also called “Loss Damage Waiver” if the coverage includes theft of the vehicle) waives damage costs depending on the deductible amount.
  • CDW is usually bundled with your car booking (check your booking confirmation to confirm).
  • CDW does not typically cover theft of a rental vehicle. If it’s stolen you will be required to reimburse the full value of the vehicle.
  • Some types of damage are not covered by CDW from the rental companies e.g. windshields, cracks and chips, tire punctures & replacements, and damages to headlamps and undercarriage and damages caused by road conditions and animals .
  • CDW does not cover expensive accident-related fees such as administration, towing and loss of use fees.
  • May not cover accident-related fees.
  • Any claim on your personal auto insurance will negatively impact your premiums.
  • The deductible is usually CA$1,000 - CA$1,500 if drivers rely on their personal auto plan.
Roadside Assistance Cover
Covers roadside costs such as towing, fuel and key lockout.
  • Can be purchased for CA$12.81 - CA$19.22 per day.
Super Collision Damage Waiver (SCDW)
Super Collision Damage Waiver reduces your remaining deductible towards US$0.00.
  • Can be purchased for CA$38.44 - CA$57.66 per day.
  • Price tiers usually mean that you pay even more to get CA$0.00 deductible.
Supplemental Liability Insurance (SLI or LIS)
SLI tops up the mandatory minimum liability insurance set to $1m-$2m . More info.
  • Optional at the rental desk for CA$38.44 - CA$57.66.
Personal Accident Insurance (PAI)
Personal Accident Insurance compensates you for personal injuries (including passengers).
  • Optional at the rental desk for CA$12.81 - CA$19.22.
RentalCover.com Comparable insurance/full protection products & benefits
Collision Damage Waiver
Our Collision Damage Waiver is equivalent to CDW from the rental companies.
  • You are covered up to $35,000 with a $0 deductible.
  • CDW is primary coverage so it won't impact your personal auto premiums.
  • Claims are handled and paid by Intact Insurance Company.
  • Damage related charges and administration costs are reimbursed once the claim is approved.
  • Cancel anytime
  • Covered up to the policy limit for each individual incident.
  • Additional drivers on the rental agreement are automatically covered.
  • Covers damages caused by road conditions including ice, ash and gravel damage.
  • With RentalCover you are also subject to the terms of your rental agreement.
Deductible Package Insurance
Equivalent to Super Collision Damage Waiver + Roadside Assistance, but with $0 deductible.
  • We pay 98% of claims within 3 business days.
  • Includes free cover for roadside assistance, towing (saves you 3.9 - 7.8 per day. Also covers expensive damage-related fees such as key loss, towing, relocation, loss of use, administration/processing fees.
  • Covers damages that the rental companies often exclude such as glass and tires.
  • Covers accident-related fees.
  • 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.
  • Road accidents with animals are common in Canada.
  • With RentalCover you are also subject to the terms of your rental agreement
 
These are our top tips to save money and hassle on your rental.

Pre-pay and save

RentalCover.com is sold by the largest online travel agencies globally and you can buy directly on RentalCover.com, saving you 50% compared to the rental companies.

Take photos before and after

Take photos & videos of the vehicle at both pickup and dropoff. We’ll ask you during the claim to provide these and to provide details of any unfair charges from your rental company. Take the time to capture any pre-existing damage and nominate those in your rental agreement to avoid excessive charges.

Just say 'no'

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

If you've bought Deductible Package Insurance with us, you can say 'no' to the hard sell for deductible waivers and roadside assistance from the rental company.

With Collision Damage Insurance...
  1. Notify your rental car company of the damage immediately. If the costs are likely to exceed $3,000, please notify us via our claim form. You can check your policy wording at any time.

  2. Go to rentalcover.com/claim to report all incidents.

  3. Submit finalised invoices, photos, all written communications and other documents as requested. You may receive a bill from the rental car company. If so, attach it to your claim and our underwriter (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.
With Excess Reduction...
  1. Notify your rental car company of the damage immediately. They will advise next steps. If the costs are likely to exceed $3,000, please notify us via our claim form before paying any money to the rental company. Make sure you check your policy wording.

  2. When your rental is finished, submit your claim at rentalcover.com/claims. You will need these documents.

  3. We pay 98% of claims within 3 business days, but do keep in mind that settlement times may differ.

  4. If your rental company provides you with a new vehicle, your RentalCover.com policy will also cover the new vehicle for the duration of your policy provided it’s a like-for-like exchange. You do not need to notify us of the vehicle change.

Get a quote for your next trip

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We provide protection for rental cars, including mini-vans, pickup trucks, and sport utility vehicles rented from a rental car agency. Does not cover commercial or offroad use or exotic cars.‡