Car insurance for rental car in Canada

18 replies
Found 7th Sep 2016
Going to rent a car for 6 days, can my current insurer do anything with regards to getting me insured on a rental car over there. I've heard about excess waiver insurance and other stuff, but I'm a bit bamboozled.

18 Comments

Usually the rental company includes standard insurance in the rental with a sizeable excess. You can pay the extra waiver to remove the excess . I usually pay the waiver if it is not too expensive so that I do not have to worry about any damage to the car.

I doubt your insurance company will insure a rental car in Canada or the rental company will accept it.

use a third party for excess cover
never the rental company for 5 day my excess was less than what the rental company wanted for 1 day this was for rental last month in Toronto
mse website has loads of info on this
Edited by: "mattmerch" 7th Sep 2016

mattmerch

use a third party for excess cover never the rental company for 5 day … use a third party for excess cover never the rental company for 5 day my excess was less than what the rental company wanted for 1 day this was for rental last month in Toronto mse website has loads of info on this



Never thought about doing that, will have to read up on that one. Sounds like a good saving. Thanks.​

Original Poster

mattmerch

use a third party for excess cover never the rental company for 5 day … use a third party for excess cover never the rental company for 5 day my excess was less than what the rental company wanted for 1 day this was for rental last month in Toronto mse website has loads of info on this


I get that to reduce the excess to zero the hire company may charge $20 a day, but some independent places it will be more like £2-5. I'm using expedia.co.uk and it says "insurance included", no idea to what extent that is true.

insurance is different to excess waiver 2 separate things

Original Poster

mrsockfish

insurance is different to excess waiver 2 separate things


So most companies include insurance

MIDURIX

So most companies include insurance



They must include the amount of insurance necessary to legally operate the vehicle (i.e. they must assume you do not have any coverage of your own). What you should look at is whether a) you are comfortable with this amount or you wish to be insured for more in the event that you injure someone, and b) you want to reduce the excess (which will differ based on the rental company).

Just use national or Alamo (same company) Everything's included if you go through the .co.uk sites. I use them in America every time a go. I can't recommend them enough. No excess no hassle. Good quality cars and service. Quidco too!

Good companies that operate on that side of the water include all insurances and excesses, have a look at rentalcars.com used them many times always the cheapest where we have been and there customer service is really good. Don't buy from a local site as they often don't quote with any insurance as people have their own cover over there so prices always look cheap.

Wadda

Just use national or Alamo (same company) Everything's included if you go … Just use national or Alamo (same company) Everything's included if you go through the .co.uk sites. I use them in America every time a go. I can't recommend them enough. No excess no hassle. Good quality cars and service. Quidco too!


Alamo don't include excess waiver used them last month in Toronto
nice thing about Alamo is they normally let you choose the car you want (in mthe class you have selected )

Edited by: "mattmerch" 8th Sep 2016

Original Poster

Wadda

Just use national or Alamo (same company) Everything's included if you go … Just use national or Alamo (same company) Everything's included if you go through the .co.uk sites. I use them in America every time a go. I can't recommend them enough. No excess no hassle. Good quality cars and service. Quidco too!


There are lots of National places in Toronto, buy when you go on the site you can only select the airport.

Original Poster

eslick

Good companies that operate on that side of the water include all … Good companies that operate on that side of the water include all insurances and excesses, have a look at rentalcars.com used them many times always the cheapest where we have been and there customer service is really good. Don't buy from a local site as they often don't quote with any insurance as people have their own cover over there so prices always look cheap.


Rentalcars.com is a comparison site so not sure if that's the company you are thinking of

MIDURIX

Rentalcars.com is a comparison site so not sure if that's the company you … Rentalcars.com is a comparison site so not sure if that's the company you are thinking of




No they are a broker, see them as like an insurance broker, they buy cheaply off the rental companies and sell on, there are lots of them like that and they are the biggest in the world and part of the biggest travel companies in the world.

mattmerch

Alamo don't include excess waiver used them last month in Toronto nice … Alamo don't include excess waiver used them last month in Toronto nice thing about Alamo is they normally let you choose the car you want (in mthe class you have selected )



Just noticed your right. I expected Canada to operate on the same policy as America. There is a $500 excess in Canada. I have never had a problem dropping off a car at national or Alamo in the USA. At drop on they just do a very quick visual look at the car and put the mileage into a handheld device to print a reciept. Always fast courteous service.

Wadda

Just noticed your right. I expected Canada to operate on the same policy … Just noticed your right. I expected Canada to operate on the same policy as America. There is a $500 excess in Canada. I have never had a problem dropping off a car at national or Alamo in the USA. At drop on they just do a very quick visual look at the car and put the mileage into a handheld device to print a reciept. Always fast courteous service.



never had a problem until my last car in Toronto not an excess problem however the car I was supplied overheated and I had to drive it back to airport drop off on back roads with all windows open and then had a bit of a battle with expedia who I booked rental through to get a refund however I have always found Alamo good as long as you ignore the upselling have used them at lax and las vegas with no problems

mattmerch

never had a problem until my last car in Toronto not an excess problem … never had a problem until my last car in Toronto not an excess problem however the car I was supplied overheated and I had to drive it back to airport drop off on back roads with all windows open and then had a bit of a battle with expedia who I booked rental through to get a refund however I have always found Alamo good as long as you ignore the upselling have used them at lax and las vegas with no problems



I have never had National try to upsell me anything. But Alamo did try to get me to upgrade at Sanford Int once as I had booked the smallest size car. National emerald club is great. No need to wait in a queue for paper work. Just go jump in car hand your licence and credit card to the person on the gate and 2 minutes later your driving away.

Wadda

I have never had National try to upsell me anything. But Alamo did try to … I have never had National try to upsell me anything. But Alamo did try to get me to upgrade at Sanford Int once as I had booked the smallest size car. National emerald club is great. No need to wait in a queue for paper work. Just go jump in car hand your licence and credit card to the person on the gate and 2 minutes later your driving away.


yes if your credit card matches up with your booking details use the self service terminals and don't need to wait in a queue

mattmerch

yes if your credit card matches up with your booking details use the self … yes if your credit card matches up with your booking details use the self service terminals and don't need to wait in a queue


No I don't mean that. You just go to the car park and get in a car in the class you have booked or from the emerald aisle and drive to the gate. No self service terminal at all.
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