Insuring Your Car Rental in Canada

Canada is a beautiful country with plenty of sights to see and places to explore, and renting a car is often the best and most convenient way to do it. Whether you’re planning a road trip up to the Yukon or a weekend getaway to the Maritimes, one of the most important things to consider is car rental insurance.

Why Do You Need Insurance?

Regardless of the length of your rental, it’s important to have adequate insurance coverage. Most rental companies will offer a basic insurance package, but depending on the type of vehicle you’re renting, the terms and conditions of their coverage, and your own personal needs, you may want to consider additional insurance.

Third Party Liability Insurance

Third party liability insurance is often the most important type of car rental insurance you can get. This coverage, also known as civil liability insurance, is often required by law and covers any damage or injury you may cause to another person or their property. In Canada, this coverage is usually offered by provincial governments. Depending on the province, the coverage may range from $200,000 to $2,000,000.

Collision Damage Waivers

Collision damage waivers (CDWs) are offered by rental companies and provide coverage for any damage to the rental car itself. The rental company may also offer a number of different levels of coverage, ranging from basic to comprehensive. Basic coverage may only cover damage caused by other drivers, while comprehensive coverage may include things like tire and windshield damage.

Personal Accident Insurance

Personal accident insurance (PAI) is another type of coverage offered by rental companies. This coverage may help cover any medical expenses resulting from an accident, as well as funeral expenses for the driver or passengers. It’s important to note that this type of coverage is usually only available if the driver was not at fault in the accident.

Supplemental Liability Insurance

Supplemental liability insurance (SLI) is an optional type of coverage offered by most rental companies. It provides additional coverage for any damage or injury that exceeds the limits of the third party liability insurance. It’s important to note that SLI may not be available in all provinces, and the amount of coverage may vary from one rental company to another.

When renting a car in Canada, it’s important to make sure you have the right insurance coverage. Depending on the type of vehicle you’re renting, the length of your rental, and your own personal needs, you may want to consider purchasing additional insurance. Knowing that you have the right coverage can make your rental experience much more enjoyable.