James King

No matter what type of car you’re driving, it is always true that you would need to have a car insurance policy for it. Whether is it your own car or a rental one, the need to get an auto insurance for rental cars does not vanish. Neither is it allowed by the state’s law nor is it profitable to take such risks. This is also the reason why car rental companies always ask you before the check out if you have an existing auto insurance policy or not. It might seem intrusive or forceful at the moment but it is actually mandatory for them to ask this question. As a negligence on their part can need to a major mistake on your part. If you do not know that you need to get a instant car insurance policy then how would you consider to get one?

How can rental auto insurance policy be useful to you?

Damages and crashes

If you do not have a car insurance against the rental car then you would definitely need to get a loss-damage waiver at the counter of the rental company itself. The purpose of this waiver is basically to cover you from damages resulted from collisions and crashes. In case you do have a rental car insurance then you do not need such waivers as your existing car insurance would extend to the rental car as well. Thus, providing coverage from costs of damages and collisions.

Coverage against theft

If you are driving a rental car then it is quite possible to forget your things in the car and eventually having it stolen or missing. In such circumstances if you do have an auto insurance providing a coverage against theft then you only need to report the case with the local police. You will be reimbursed appropriately. The rental company will also pay for your belongings in case you have no auto insurance coverage due to the personal effects coverage policy.

What are some insurance companies that offer rental car insurances?

If you do not want have an existing auto insurance in your own or do not want to accept the counter insurance policy provided by the rental company then you need not worry as there are several insurance companies providing standalone car rental insurance Canada. Some of those companies are Allianz Global Assistance, Bonzah, Insure My Rental Car, Rental Cover and Sure. At an average of $8 per day, these companies provide a much cheaper and affordable insurance policy rates for the drivers. These insurance policies can also include 24-hour emergency assistance as well as payment before any other insurance policy.

It is always a good practice to drive car that is duly insured and covered for. This way you need not constantly worry about the security of the vehicle and your belongings. Also, coverage from damages and thefts can be really helpful at times of emergency. You should take your time picking out the most suitable auto insurance for yourself.