Does ICBC Insurance Cover Rental Cars?

When you're planning a vacation or business trip, you may be considering renting a car. But you may have some questions about what is covered by your automobile insurance policy. Does ICBC insurance cover rental cars? The answer is yes, but there are some limits.

What Does ICBC Insurance Cover?

ICBC provides coverage for rental cars in British Columbia. The coverage is limited to liability if you are at fault in an accident and for damage to or theft of the rental car. ICBC does not provide coverage for damage to other vehicles or property, or for personal injury.

What Is Covered By ICBC Insurance?

If you have an ICBC comprehensive policy, it will cover the costs associated with damage to your rental car, as long as you are at fault in the accident. If you are not at fault and the other driver is insured, the other driver’s insurance company should cover the costs. ICBC will also provide coverage for theft of the rental car.

ICBC does not provide coverage for damage to other vehicles or property, or for personal injury. If you are found to be at fault in an accident, you may be liable for the damage to other vehicles or property and for personal injury. It is important to note that ICBC does not provide coverage for rental cars outside of British Columbia.

What Is Not Covered By ICBC Insurance?

ICBC does not cover the cost of renting the car. You will be responsible for any rental car fees and taxes that are not covered by your credit card or travel insurance policy. ICBC also does not cover the cost of additional insurance or other optional items that may be offered by the rental car company. These items are the responsibility of the renter.

It is important to note that ICBC does not provide coverage for rental cars outside of British Columbia. If you are planning to rent a car in another province or country, you must purchase additional coverage to be protected. Your ICBC insurance does not extend outside of British Columbia.

In Conclusion

ICBC does provide coverage for rental cars in British Columbia. The coverage is limited to liability if you are at fault in an accident and for damage to or theft of the rental car. ICBC does not provide coverage for damage to other vehicles or property, or for personal injury. Additionally, ICBC does not cover the cost of renting the car, additional insurance or other optional items offered by the rental car company, or rental cars outside of British Columbia.

If you are planning to rent a car, make sure you understand the coverage you have and any additional coverage you may need. By knowing what is covered and what is not, you can enjoy peace of mind while traveling.