montrealpost

We have both TD and RBC gold cards that provide free Car Rental Insurance.  Few years ago, I spend almost 1 week in talking to credit card companies and car rental companies, inquiring coverage.  It's way too confusing for me.

At the end, I only figured out that it's OK to rent from Hertz/Avis/the big companies, without buying any insurance ($0).  Some small rental companies outright said NO, not sure if they don't have insurance for out of province or whatever.

Rental from the bigger companies are quite expensive right now(~$50/weekend day), I may need to rent from Thrifty/Dollar(~$29/weekend day), but I can't figure out the insurance.  Thrifty once said something . . . . . . . I don't need the $XX but should buy the ~$10/day insurance.

Anyone know the details and explain????

The mere thought of asking about insurance details make me sick . . . .  THANKS in advance!!!

someoneaus

Post by montrealpost
We have both TD and RBC gold cards that provide free Car Rental Insurance.  Few years ago, I spend almost 1 week in talking to credit card companies and car rental companies, inquiring coverage.  It's way too confusing for me.

At the end, I only figured out that it's OK to rent from Hertz/Avis/the big companies, without buying any insurance ($0).  Some small rental companies outright said NO, not sure if they don't have insurance for out of province or whatever.

Rental from the bigger companies are quite expensive right now(~$50/weekend day), I may need to rent from Thrifty/Dollar(~$29/weekend day), but I can't figure out the insurance.  Thrifty once said something . . . . . . . I don't need the $XX but should buy the ~$10/day insurance.

Anyone know the details and explain????

The mere thought of asking about insurance details make me sick . . . .  THANKS in advance!!!

My experiences:
TD gold -  no idea about how it works!
RBC gold - currently using it

actually as long as you rent a vehicle and you are the actual driver of it, you are automatically covered by RBC gold card (stolen, demage, ... ), to enable this insurance plan, there is one thing to do with a car rental company - which provides you its own insurance plan, you need to refuse it.  

check out the visa car rental insurance agreement- be careful, it is not a contract! it gives you a very clear explanation.

montrealpost

THANKS A LOT!!

" . . . .  RBC gold card (stolen, demage, ... )"==>  insurance valid if car stolen, I believe there's no coverage on personal contents.  Hoever, this doesn't matter to us.

"there is one thing to do with a car rental company - which provides you its own insurance plan, you need to refuse it.  "  ==> It is true.

But there is 1 more thing that not cover  . . . . .   :confused:  :confused:

"check out the visa car rental insurance agreement" ==>  头痛, 头痛, 头痛  . . . . .

MichelleFish

the credit cards usually just offer you the LDW/CDW (loss and/or damage WAIVER, not INSURANCE), but doesn't cover third party injuries and liability. And in case you have to claim your credit card for LDW, you might subject to deductible.

For thrifty, they offer the comprehensive plan (~$7 per day) which will pay off any deductible that your credit card company required.

If you have auto insurance for your own car, the third party injuries and liability are usually covered free of charge or with a small fee (~$100 per year) depending on your claim records. You have to check with your own auto insurance company. Again, subject to deductible.

All in all, just paid with your RBC credit card and check with your own auto insurance to see the rest is covered or not, i personally just paid with the credit card and take the comprehensive plan from thrifty / nothing from Hertz, and combine with my own auto insurance and CAA protection plan.

montrealpost

For the Auto Rental Insurance that comes with RBC gold card:

"there is one thing to do with a car rental company - which provides you its own insurance plan, you need to refuse it. " ==> EXACT WORD:  decline  their (rental company) insurance.  ~Collision, damager waiver.

Covered:
- Car/Min-Van (8 passengers including driver)

NOT COVERED:
- Truck/Cargo Van
- No insurance for rentals for moving, e.g. funitures
- No insurance on personal contents, i.e. if someone still your ipod from car, it's not covered.
- *** no 3rd party liability ***
No coverage if u kill someone, damage a property, damage to other car (damage to rental car is covered).

e.g. people can sue u if u run into them, then hit their house + car.  U'll have to pay them from your own pocket if u don't buy 3rd party liability.

*** Ask rental companies for 3rd party liability, and buy it ***

I've only got Hertz, Avis, (may be Budget, not sure about National) figure out - that there is 3rd party included.  It took multiple calls to multiple agents to have that figured out few years ago.

montrealpost

Thanks a lot MichelleFish!!  Just see your reply.  Very clear!

If anyone happens to know where I can get a better rate for WEEKEND rental, I would appreciate information.  For now, I only have National $50-~10%/day+T, Thrifty/Dollar $29+7/day+T.

Need unlimited mileage.

someoneaus

Post by montrealpost
For the Auto Rental Insurance that comes with RBC gold card:

"there is one thing to do with a car rental company - which provides you its own insurance plan, you need to refuse it. " ==> EXACT WORD:  decline  their (rental company) insurance.  ~Collision, damager waiver.

Covered:
- Car/Min-Van (8 passengers including driver)

NOT COVERED:
- Truck/Cargo Van
- No insurance for rentals for moving, e.g. funitures
- No insurance on personal contents, i.e. if someone still your ipod from car, it's not covered.
- *** no 3rd party liability ***
No coverage if u kill someone, damage a property, damage to other car (damage to rental car is covered).

e.g. people can sue u if u run into them, then hit their house + car.  U'll have to pay them from your own pocket if u don't buy 3rd party liability.

*** Ask rental companies for 3rd party liability, and buy it ***

I've only got Hertz, Avis, (may be Budget, not sure about National) figure out - that there is 3rd party included.  It took multiple calls to multiple agents to have that figured out few years ago.

wow, thanks a million Montrealpost and Mechellefish!

to Montrealpost:

About getting a nice deal on renting a car: i would say - try expedia.ca, if you could give yourself 30 days in advance or so, you will have some supprise! e.g.: $10/day for a midsize car with unlimited kilometers, just simply surfing on the website, from time to time, there are some good deals shown on the website. - the deal may vary from different car rental companies.

hopefully this would help.

montrealpost

U are welcome!

Called Thrifty, got it figured out that actually 3rd party insurance is included:
- in the Vehicle Licence Fee @~$1.90/day, however
- if driving out of Province, u need to pay the $10/day unlimited mileage which includes whatever else needed on insurance.

** so called UNLIMITED MILEAGE from the web is actually false, need to read the details in Driving Restriction:
- unlimited, if drive car in Quebec
- 200km/day if go out of Province, e.g. Toronto.  (But then Ottawa is OK, don't need to buy anything additional)

#$%^&, this is only the beginning, no wonder I have 头痛, 头痛, 头痛 . . . . .
This is the reason why I didn't want to go anywhere except Hertz, #$%^&*

From http://sinoquebec.com/bbs/showthread.php?p=1284274#post1284274

Post by Huangs
see bold words. LDW is covered by your Gold Visa or other credit card plans.
third party is include by your rent


TERMS AND CONDITIONS THRIFTY does NOT accept the use of a Debit/Check card at this location.
Credit card authorizations will be taken at the time of rental for the estimated charges plus 20 percent with a minimum of CAD 200.00 for cars and CAD 400.00 for trucks, whichever is greater at the time of rental.
The Covertible requires cancellation 2 days prior to the scheduled arrival time to avoid a CAD 100.00 charge.
Unlimited km rates, when available, are for Quebec only. Vehicles taken outside Quebec and/or into USA will receive 150 km/day and CAD .20 each additional km for the entire rental.
Vehicles are not permitted to travel into Mexico.
Customer pick up available - Train, Port, all area Hotels. Monday - Wednesday 7:30am to 7pm, Thursday - Friday 7:30am -7.30pm Saturday 8am to 3:30pm Sunday 9am to 3pm. Customer must call for pick up. Phone Number - (514) 989-7100.
Any Adjust ments or Changes to the reservation may result in a change of rate.
* Renter must be 21 years of age or older with a credit card and drivers license in own name.
* Renters must be 25 years or older to rent the Premium, Luxury and Convertible cars, Mini and Cargo Vans and Standard 4 Wheel Drives.
* Renters between 21 and 24 years of age are subject to a CAD 25.00/day surcharge. * Additional Renters Including Spouse are subject to a CAD 10.00/day surcharge.
* Additional Charges that may apply at the time of rental - * Goods and Services Tax (GST)- 6 percent. * Provincial Sales Tax (PST)- 7.5 percent.
* Vehicle Licensing and Air Tax Recovery Fee (VLA) - CAD 1.85/day. * LDW - CAD 24.99/day to CAD 28.99/day - optional. Reduces renters financial responsibility for the Thrifty vehicle to zero.
* Personal Passenger Protection (PPP) - CAD 5.99 per day Optional. * Safe Trip Package (LDW & PPP) CSF - CAD 30.98 to CAD 34.98 per day - Optional.
* T hird Party Primary Liability is included in the rental rate.
* Vehicles are rented with a full tank of fuel and must be returned with a full tank of fuel to avoid a locally determined refueling charge.

samrawet

which company North. South. East. West. No matter where you’re headed in the U.S.,

samrawet

Own your own car rental:eek!: