Does SGI Cover Car Rental Insurance?

Having car rental insurance is essential to protect yourself and your vehicle while renting a car. It can help cover damages that occur during an accident, or to the car you are renting. But is it covered by Saskatchewan Government Insurance (SGI)? The answer is yes and no. It all depends on the type of coverage you have.

SGI offers two types of auto insurance coverage in Saskatchewan: Basic Autopac and Optional Autopac. Basic Autopac covers the following: liability, accident benefits, uninsured automobile coverage and direct compensation-property damage. This coverage does not extend to rental vehicles. Optional Autopac does provide coverage for rental vehicles, but it is limited and has some specific conditions that must be met in order for it to apply.

What Does SGI Cover for Car Rental?

The Optional Autopac coverage for car rental is limited to the following: third-party liability, direct compensation-property damage, and medical and rehabilitation expenses. This means that if an accident were to occur while you were renting a car, SGI would cover the costs of damages to other vehicles or property, as well as any medical or rehabilitation expenses you may incur. However, it does not cover the cost of repairs to the rental vehicle.

Things to Consider Before You Rent a Car

Before you rent a car, it is important to understand what type of coverage you have and what is covered under it. You should also consider purchasing additional coverage from the rental car company. This can help cover any potential damages to the vehicle that may not be covered under your SGI policy. Additionally, if you plan to take the vehicle out of province, make sure to discuss this with the rental company as your SGI coverage may not apply in other provinces.

What if I Don’t Have SGI Coverage?

If you do not have SGI auto insurance coverage, you will need to purchase coverage from the rental company. This can be costly, so it is important to understand the coverage you have and what is covered before you rent a car. Additionally, make sure to read the rental agreement carefully and ask questions if you are unsure about anything.

Conclusion

SGI does cover car rental insurance in certain situations, but it is important to understand the coverage you have and what is covered. It is also a good idea to purchase additional coverage from the rental company to ensure you are fully protected. Before you rent a car, make sure to read the rental agreement carefully and ask questions if you are unsure of anything.