RENTAL AND BORROWED
VEHICLE COVERAGE

Complementary protection

Rental and borrowed vehicle coverage¹ protects you against theft or accidents that happen when you are renting or borrowing a vehicle.

Get a quote

1 866 650-4689

Get a quote

1 866 650-4689

Coverage

Rental and borrowed vehicle coverage is optional insurance that reimburses up to $50,000 of the cost of repairing or replacing a rented or borrowed vehicle in Canada and the United States. It provides coverage for theft and accidents while you’re renting or borrowing a vehicle.

And you may not know that this coverage is also available as part of the Automax added coverage, which covers up to $100,000 of the cost of repairing or replacing a rental or borrowed vehicle.

Renting a car

Maybe you're planning a trip to Western Canada. You can decline the rental company’s insurance when reserving your vehicle online, provided you have rental and borrowed vehicle coverage included with your automobile insurance policy.

Borrowing a car

Suppose your car is in the repair shop and your sister lends you her car. What if you accidentally rear-end another car when the driver in front of you suddenly brakes? Rest easy: you’ll be covered.

Feel free to contact us to confirm that your auto insurance coverage is appropriate for your travel destination. Here’s what else you should know if you plan on driving in other countries.

¹ Q.E.F. 27

Some recommendations when you drive someone else's car

Before taking the keys to a friend’s or family member’s vehicle, make sure you understand the automobile insurance policy covering the car.
At minimum, there must be civil liability coverage and the driver must have a valid driver's licence.
If you’re in an accident while driving someone else's car, what happens next often depends on who is at fault.
For added peace of mind, it’s best to have rental and borrowed vehicle coverage as part of your auto insurance policy before you rent or borrow a car!

Frequently Asked Questions

Is rental and borrowed vehicle coverage mandatory?

No. This coverage is a rider, meaning it’s optional protection you can add to your car insurance policy. While not required, it provides extra coverage in the event of a claim, so there are good reasons to add it to your auto insurance.

What types of vehicles are covered by rental and borrowed vehicle coverage?

This coverage applies to any vehicle that the insured person rents or borrows. It covers repair or replacement costs up to $50,000 for vehicles rented or borrowed in Canada and the United States, or up to $100,000 with the Automax added coverage.

Does rental and borrowed vehicle insurance cover me if I rent a vehicle in another country?

Yes, if you’re driving in Canada or the United States. For rentals in other countries, contact one of our insurance agents at 1-866-650-4689 for more information.

And check to make sure you have enough civil liability coverage for the often more frequent and costly lawsuits that can occur abroad.

How do I file a claim for damage under my rental and borrowed vehicle coverage?

Filing a claim is the same as for your own car. You can start the claims process online at your convenience, and a claims expert will contact you within 72 hours. For immediate help, call us at 1-877-770-7778. Our phone service is available 24 hours a day, 7 days a week.