Do You Need Insurance While Driving Rental Cars In Canada?

To answer the question in short, yes, you do! 

Coming to the whys and hows, you’ll need to know the whole story before you can decide anything. If you’re a non-resident, you need to be aware of the variety of insurance covers that you can avail while renting a car in Canada. On top of that, you should also be aware of the risks you are subjected to so that you can make the right decision without being influenced by anyone. 

First of all, let’s explain the two key benefits of opting for car rental insurance.

  • Protecting others and their cars from damage in case of an accident
  • Covering the costs of any damage to the rental car

Although the rental car insurance is not mandated by law, you should buy one to protect yourself, as well as others, and the car from accidental damage. 

The good news however is, most of the reliable car rental companies in Canada offer their insured cars on rent, and you don’t need to buy additional insurance before hitting the road. All you have to do is find a reputable agency like Location voiture Decarie to get insured rental cars that don’t cost a fortune. Make sure you get several options to choose from, as you may be comfortable driving a one-of-a-kind vehicle. 

4 main types of insurance covers for rental cars in Canada

Just for your knowledge, you can avail four key insurance covers for rental cars in Canada as follow:

  • Collision Damage Insurance - This is one of the commonest insurance covers included in your rental charges and protects you, as well as any additional drivers, from damages and administration costs. You can cancel it free of charge up to the day of departure. 
  • Zero Excess Rental Covers - It covers your expenses in case of an accident and pays all claims within a short period. 
  • Roadside Assistance Cover - This policy covers you in case of emergencies like towing, key lockout or fuel issues. 
  • Collision Damage Waiver - This covers you against the need to repair or replace the car if it gets stolen or damaged brutally. 
  • Supplemental Liability Insurance - It’s meant to defend you against damages to other people’s property. If you’re a non-resident in Canada, you’ve to get liability insurance there to protect you from such adverse situations. 

It’s best to discuss the necessary insurance covers with the car rental agency you want to rent the vehicle from. See what’s included in their offer and make additional adjustments if needed. After all, it’s better to stay prepared than hit a roadblock, right?