{"id":14475,"date":"2024-05-03T14:52:54","date_gmt":"2024-05-03T14:52:54","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?p=14475&#038;preview=true&#038;preview_id=14475"},"modified":"2024-05-03T15:29:47","modified_gmt":"2024-05-03T15:29:47","slug":"renting-a-car-understand-your-insurance-options","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/renting-a-car-understand-your-insurance-options","title":{"rendered":"Renting a Car? Understand Your Insurance Options"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Renting a Car? Understand Your Insurance Options<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2024-05-03T14:52:54-04:00\">May 3, 2024<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">5 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"RBC Insurance\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">RBC Insurance<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/05\/Article-Car-Rental-Insurance.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A happy couple in a car\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/05\/Article-Car-Rental-Insurance.jpg 2120w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/05\/Article-Car-Rental-Insurance.jpg?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/05\/Article-Car-Rental-Insurance.jpg?resize=768,512 768w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/05\/Article-Car-Rental-Insurance.jpg?resize=1024,683 1024w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/05\/Article-Car-Rental-Insurance.jpg?resize=1536,1024 1536w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/05\/Article-Car-Rental-Insurance.jpg?resize=2048,1366 2048w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2024\/05\/Article-Car-Rental-Insurance.jpg?resize=420,280 420w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Renting a Car? Understand Your Insurance Options &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/renting-a-car-understand-your-insurance-options\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/renting-a-car-understand-your-insurance-options\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">Key takeaways<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-key-takeaways\">Key takeaways<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-car-rental-insurance-options-to-consider\">Car rental insurance options to consider<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-to-do-before-renting-a-car\">What to do before renting a car<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>Driving gives you the freedom to explore a variety of new locales at your own pace, or it can simply get you from point A to point B. If you\u2019re renting a car, there are a few things to think about beyond the make and model before you drive off the rental lot. Choosing the right car rental insurance can ensure that you\u2019re adequately protected if there\u2019s an accident and injuries or the car is damaged or stolen. Plus, you\u2019ll want to avoid paying for things you don\u2019t need.<\/p>\n\n\n\n<p>How do you choose the right level of auto rental insurance coverage? There are several factors to consider so you can enjoy a worry-free journey.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-key-takeaways\">Key takeaways<\/h2>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Options for rental car insurance include your current personal car insurance, credit card provider coverage, and insurance provided by the rental company.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default\">The right level of coverage can help protect you in the case of an accident, injuries, theft, or damage to the car.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p class=\"is-style-default default\">Types of coverage you should be familiar with include collision damage, liability coverage, personal accident insurance, and personal effects coverage.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Your insurance premium may vary if you add an additional driver, leave the country, or purchase additional rental company insurance, so carefully review the terms and conditions.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-car-rental-insurance-options-to-consider\">Car rental insurance options to consider<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Your current personal car insurance<\/h3>\n\n\n\n<p>Depending on the policy, your current personal car insurance may provide adequate coverage for renting a car. It\u2019s important to understand what coverage you have (or don\u2019t have!) on your existing policy.<\/p>\n\n\n\n<p>If you\u2019re road-tripping between Canada and the United States, check with your personal car insurance company about cross-border travel, as you might need to pay some additional fees or it might not cover it at all. It is important to note that coverage on a personal policy for a rental car, whether for pleasure or business use, is available only if you purchase Legal Liability for Damage to Non-Owned Automobiles. Note that this endorsement is only valid in Canada and the United States. It won\u2019t apply if you plan to drive internationally.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Credit card rental car insurance<\/h3>\n\n\n\n<p>Many credit cards provide car rental insurance coverage, which can be a great way to save money as you can avoid purchasing additional insurance. But before you rely on your card alone, you\u2019ll need to review the terms and conditions, as coverage can vary widely. You\u2019ll likely need to pay for the entire rental using your credit card to be eligible for the coverage. You also might need to decline additional coverage from the rental company.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Rental car insurance provided by the rental company<\/h3>\n\n\n\n<p>Rental car companies offer many different types of coverage. But do you really need the extra insurance? Here are the types to consider:<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>Collision damage waiver (CDW), or loss damage waiver or physical damage waiver<\/h4>\n\n\n\n<p>This usually covers damage to the rental car if there\u2019s an accident, theft, or vandalism. But it might not cover all types of damage\u2014for example, damage to the windshield, mirrors, or tires\u2014and there\u2019s usually a deductible (the amount you\u2019re responsible for paying), so always have a thorough read of the policy.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>Liability insurance<\/h4>\n\n\n\n<p>Liability insurance is critical, so the legal minimum is often included with your rental car. It can protect you if you injure someone or cause damage to another person\u2019s property or car while driving the rental car. You might need to purchase more than the minimum required by your province or territory. If you\u2019re driving in the United States, where insurance payouts are typically higher,<strong> <\/strong>you may want to consider a higher limit.<strong><\/strong><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><a><\/a>Personal accident insurance (PAI) and personal effects coverage (PEC)<\/h4>\n\n\n\n<p>The last thing you want to worry about while road-tripping is how you would cover medical expenses if there were an accident. That\u2019s where PAI comes in. It can provide<\/p>\n\n\n\n<p>coverage for medical and rehabilitation costs as well as other expenses, like lost income.<\/p>\n\n\n\n<p>If you purchase PEC, you\u2019ll have coverage for any personal belongings that might be stolen from the rental car.<\/p>\n\n\n\n<p>If you know which company you are renting from, contact it in advance to see if you can get a copy of its insurance document to review options and limits and identify gaps or overlaps with your existing coverage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-to-do-before-renting-a-car\">What to do before renting a car<\/h2>\n\n\n\n<p>Before hitting the road in your rental, there are a couple of steps you should take to make sure you have the right coverage:<\/p>\n\n\n\n<ol class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Call your current personal car insurance provider:<\/strong> Speak with your insurance company to learn whether your current policy covers car rentals, what type of coverage is available under your current policy, and whether any additional coverage is required based on your rental needs and where you will be travelling to.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Understand the coverage available through your credit card or rental company:<\/strong> If your situation requires you to use car insurance provided through your credit card or the rental car company, be sure to check your credit card certificate of insurance and contact the rental company to understand the terms and conditions for both options.<\/p>\n<\/li>\n<\/ol>\n\n\n\n<p>The more you understand in advance of your travels, the more you can relax knowing that you\u2019re covered in any scenario. Connect with an RBC Insurance Advisor to learn more about personal car insurance and coverage while renting a car by calling 1-877-749-7224 or get a quote online today.<\/p>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel has-fff-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel mob-pad-t pad-t pad-b mob-pad-b pad-l mob-pad-l pad-r mob-pad-r centered-block\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b-hlf mob-mar-b-hlf mob-pad-t-hlf\" id=\"h-get-your-free-car-insurance-quote\">Get Your Free Car Insurance Quote<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-lg-font-size\">Take a few minutes to get a competitive auto insurance quote online<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn before is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=BLOG_A13&amp;Lang=FR\" data-dig-id=\"LP-11882-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Start my Quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=BLOG_A13&amp;Lang=FR \">Start my Quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center  mar-t-hlf\"><a href=\"https:\/\/www.rbcinsurance.com\/fr-ca\/assurance-auto\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-Assuranceauto-7536-eb5cbf80\" data-dig-label=\"Learn More\" data-dig-action=\"link click\" data-dig-category=\"LP-Assuranceauto\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n<\/section>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-HomeInsurance-14506-2de7ba0a\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Making sure you have proper car rental insurance should be part of your pre-travel plan, whether you\u2019re renting a car for a road trip or need a vehicle for personal use or a business trip.<\/p>\n","protected":false},"author":80,"featured_media":14476,"comment_status":"open","ping_status":"open","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[49],"tags":[28,20],"article-type":[80],"ppma_author":[],"class_list":["post-14475","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance","tag-auto","tag-car-insurance","article-type-advice-learning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Renting a Car? 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