Vehicles leased outside of Canada and the United States

Vehicles leased outside of Canada and the United States

Your individual automobile insurance

Collision, Collision-Free Accident, Payout, and Liability Coverages: There are no options to expand your individual auto insurance coverage when traveling outside of Canada or the United States. You must take out insurance with the rental company which specifically provides the appropriate guarantees.

Rental car insurance offered by credit cards

Collision and Accident Coverage with No Collision or Payment: If you drive outside of Canada or the United States, you may have coverage for damage to the rental vehicle. However, you must confirm this by checking your credit card insurance policy.

Third Party Liability: Credit cards do not offer third party liability insurance.

Insurance offered by the car rental company

Collision and Accident Coverage with No Collision or Down Payment: This coverage is normally referred to as Collision Damage Waiver or Loss and Damage Insurance by the Rental Company. If you are driving outside of Canada or the United States, you should obtain this disclaimer from the rental company, unless your credit card provides the appropriate coverage.

Third Party Liability: If you are driving outside of Canada or the United States, you should obtain this disclaimer from the rental company.

Loss of use: The rental contracts stipulate that the renter is responsible for any “loss of use” as well as damage, that is, the loss of income resulting from the fact that the rental company cannot rent the car during the repair period. damage. These charges can be covered by a credit card. If you buy the collision damage waiver and loss and damage insurance coverage, they should cover consequential damages, otherwise the lessee who signs the contract will be personally responsible for these costs. However, a breach of the terms of the contract will void any coverage for collision damage free or loss and damage insurance. For example, driving off public roads or outside authorized territory, or towing a trailer. See the "General Conditions" section for a detailed list.

Other considerations: In some countries, when an accident is reported to the police, the police may seize your passport and prohibit you from leaving the country until your responsibility for the accident is determined and damages are paid. Insurance offered by the rental company can eliminate this constraint, unless there are tickets.

Terms and conditions

Individual insurance

To qualify for your individual auto insurance coverage, the policy often requires that the Gross Vehicle Weight Rating (GVWR) not exceed 4,500 kg - 5,000 kg. Keep this in mind if you have to hire a truck.
Make sure that only covered people will drive the rented car. You must provide the rental company with all information about each person who will drive the vehicle. Otherwise, the loss may not be covered.
Usually, individual insurance provides coverage of CAD $ 50,000 or less for claims for collision and accident benefits with no Collision or Upset, and covers your rental vehicle for a maximum of 30 days. Keep this in mind if you plan to rent a luxury or exotic vehicle that is worth more than the warranty amount.
Rental insurance

Here is a partial list of common conditions under which rental companies will usually refuse to cover damages:

Driving at a speed greater than the prescribed limit.
Impaired driving.
Driving on unpaved or gravel roads.
Using the car for illegal purposes.
Pushing or towing an object.
Hitting obstacles on the road.
Transporting people for business purposes.
Driving outside the province or state.
Use of the vehicle by someone other than the authorized driver.
Loading the vehicle beyond the permitted capacity.
Obtaining the vehicle by fraudulent means or by false representations.
The race.
Other insurances

Other coverages rental companies offer usually include personal accident, accidental death, medical and personal effects insurance. Check your insurance policies carefully