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Car Rental Insurance Guide

Car hire insurance in CA

In Canada, generally no additional car insurance coverage is required because renters are often covered by their personal insurance policies. This is only applicable for Canadian residents, and if you are visiting Canada from another country you may find that the car rental insurance process works differently.

Use Your Existing Insurance

Canadian Residents

Most residents of Canada are covered by their personal car insurance, credit card or travel insurance policy. It is important to know if you are already covered, so you will not have to purchase any additional products at the counter.

Call your insurance company or your credit card provider and ask what is included. It is a good idea to cover your car insurance declaration page.


Generally, visitors to Canada rely on personal travel insurance policies to cover their rental car. These often only cover the excess, so you may need to make sure Collision Damage Waiver is included in the rates.

Purchase Products

There are four types of cover that you need in Canada. The most important is Collision Damage Waiver, which protects the renter from paying for a damaged or stolen car, costing up to $30 per day.

Renters in Canada can also purchase Supplemental Liability Insurance, which insures the renter for bodily injury or death. Personal Accident Insurance covers the renter and all passengers inside the vehicle for any medical expenses. Personal Effects Coverage insures the renter against loss, theft or damage to their personal items.

See Terms & Conditions for more information
  • Alamo
  • Avis
  • Budget
  • Enterprise
  • Hertz
  • National
  • Thrifty

Car rental insurance for Australian citizens

Australian residents who plan to travel to Canada can follow this link to get a quote to further protect themselves against paying any charges for damage.

Insurance around the world

VroomVroomVroom can also provide more information about car rental insurance around the world:
  • car rental insurance in the USA
  • car hire insurance in the UK
  • car rental insurance in new zealand
  • car hire insurance in australia