Taking the time to understand your current coverage before you rent could save you a needless expense on top of the car – and if you’re going on holiday this March break, your budget will thank you.
Know the details of your current auto insurance
Does your personal auto insurance transfer over to the car you’re renting? In most cases, this additional coverage is offered as an option that can be added to your policy – which could save you money and hassle at the rental counter.
Our Trouble-Free Option is a package that provides additional coverage when you borrow or rent a car for a short period of time.
When you add this option, there’s no need to buy insurance at the counter when renting a car in Canada or the US. So if you’re planning a spring getaway and want the freedom of a rental car, consider adding the Trouble-Free Option now so you can travel worry-free.
Find out how you can bundle and save.
Read your credit card fine print
Most credit cards offer at least some coverage for rental car insurance. Take the time to read up on your card policy to discover any possible limitations that may apply in specific rental scenarios. For example, coverage may not include certain types of vehicles, or it may exclude one or more areas of coverage, such as theft or damage.
If you’re relying on your credit card policy to provide your insurance, make sure you know if there are any gaps in your coverage.
Understand your at-the-counter options
Generally, rental companies will offer a loss-damage waiver (or collision-damage waiver), liability insurance, personal accident insurance, and personal effects coverage.
While some travellers often make it a personal rule to say no to all of the above, declining insurance on your rental when you’re less than fully covered by a credit card or personal policy could end up costing more in the long term.
In the event of an accident in a rental car without any coverage, a driver will be lucky to walk away with just a scratched bumper.
Don’t risk being liable for the costs of damage to a vehicle not owned by you. Our Trouble-Free Option saves you the time of sifting through fine print at the rental counter and ensures that you can count on the reliable auto coverage DGI offers – be it at home, or on a trip, in your own vehicle, or a rental.
Protect yourself when travelling out of the country
If you’re planning to rent a car during a holiday excursion abroad, it’s even more important to know the details of your current coverage.
Does your auto insurance or credit card policy extend to vehicles rented outside the continent? Avoid the hassle of having to sort out your coverage overseas and find out before you leave.
Avoid hidden fees
Aside from insurance, many rental car companies offer additional services that could add up on your bill. There may be a fuel service option, which charges you for gas, a charge for an extra driver, or even a fee for exceeding a daily limit of kilometers driven. Shop around to make sure you choose a reputable rental car company that can give you the best value for your needs.
Choosing our Trouble-Free Option to ensure you’re fully covered is one way to enjoy your rental car, and your vacation, with no worries. Get a quote today and get a head start on planning your spring getaway.
These tips are provided for information and prevention purposes only. They are general in nature, and Desjardins Insurance cannot be held liable for them. We recommend using caution and consulting an expert for comprehensive, tailored advice.
In Quebec, Desjardins Insurance refers to Desjardins General Insurance Inc. In Ontario and Alberta, Desjardins Insurance refers to Certas Direct Insurance Company, underwriter of automobile and property insurance.