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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 when taking in the splendor of Banff National Park, but buying rental car insurance before you go could save you thousands in repair costs, so it’s worth doing. At RentalCover.com, we’ve built a global business around giving customers better coverage at a better price. And we 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/LDW waives damage costs in full with zero deductible. LDW is CDW + Theft Protection.
  • Can be purchased for CA$24.69 - CA$49.38 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$12.34 - CA$18.52 per day.
RentalCover.com 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.
  • We guarantee to beat any price!
Zero Excess Rental Cover
Equivalent to Excess Waiver + Roadside Assistance, but with $0 excess.
  • Our Guarantee: We'll beat any price.
  • We pay 98% of claims within 3 business days.
  • Includes free cover for roadside assistance, towing (saves you 3.78 - 7.56 per day. Also covers key loss.
  • Covers damages that the rental companies exclude.
  • Covers accident-related fees.
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.

If you've bought Excess Reduction with us, you can say 'no' to the hard sell for roadside assistance from the rental company.

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

  2. Go to rentalcover.com/claim 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.
With Deductible Protection ...
  1. Notify your rental car company of the damage immediately. They will advise next steps.

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

  3. We pay 95% 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

Coverage for vehicles with less than 9 seats (including driver). Excludes luxury/exotic cars.*