USA & Canada Car Hire Excess Insurance for EU Residents | insurance4carhire (2024)

FAQs

Do you need extra insurance when renting a car in USA? ›

In most instances, rental car insurance overlaps with your personal auto insurance policy, meaning you likely won't need to pay for duplicate coverage. However, you can get an add-on to your travel insurance policy for rental car coverage.

An American car insurance policy works the same way in Canada as it does in the U.S. Your comprehensive car insurance coverage and auto collision coverage, for example, still apply to damage to your vehicle if you're in an accident while driving in Canada.

The short answer is that it depends on your policy. Your car insurance will typically extend to a rental car while you're on vacation in Canada or the United States if you have purchased additional liability coverage for damage to vehicles you don't own.

Does car insurance cover international rentals? Most U.S. auto insurers won't cover you while driving abroad, except for driving in Canada and driving in Mexico. Unless you have a credit card offering rental car insurance, you'll probably need to purchase your insurance from the rental company.

What's the difference between LDW and CDW? CDW covers damage to the rental vehicle in case of an accident. LDW offers the same protection, as well as coverage if the car is stolen. Since these terms are sometimes used interchangeably, pay attention to the fine print to know what kind of coverage you're getting.

Most auto insurance policies cover travel to the States, but may be subject to some restrictions. For example, the duration of coverage may be limited to a certain number of months.

Most U.S. car insurance policies will provide the same coverages and limits in Canada for short trips. The types of coverages that usually extend into Canada may include: Liability coverage - Covers expenses related to injury, death or property damage of others when you're at fault.

Does AAA work in other countries? Roadside services are available to AAA Members in Canada and many other parts of the world. Visit the website of the AAA-affiliated organization in the country you're planning to visit for information about coverage and benefits.

Most vehicles rented in the US can be driven throughout US and Canada. Some vehicle classes like Exotics, Large Passenger or Cargo Vans, and other specialty vehicles may not be allowed to travel outside of the US. Please reach to the renting location directly for details on cross-border restrictions.

Do I need rental car insurance? Yes. You must have third-party liability insurance to drive in Canada and the minimum level of third-party liability insurance is already included when you rent a car.

Do I need additional car insurance to drive in the USA? ›

Everyone driving in the USA must have insurance. For most people, this will be bundled in with their car rental. If you're renting a car, you can also buy car rental insurance online, but first you should check if your current car insurance policy covers you for USA car hire as well.

Taking your car into the United States

Canadians who do not have a residence in the U.S may take a vehicle to the U.S., duty-free, for personal use for up to one year. If you are shipping your vehicle to the U.S., you should plan to arrive around the same time as your vehicle arrives.

Purchase Protection Products

The most important product to purchase at the car rental counter is Collision Damage Waiver or Loss Damage Waiver. This relieves you of any financial responsibility for a rental vehicle damaged while it is in your possession.

If you have no insurance coverage and the rental car is wrecked or stolen, you'll need to pay out of your own pocket to cover the loss. This will be an expensive proposition, so consider your options carefully before declining CDW coverage when you have no other applicable coverage.

Typically, Allstate car insurance does provide coverage for its policyholders when they are driving in Canada. However, it's always advised to check the specific terms and conditions of your own personal policy to ensure that your coverage extends internationally.

Foreign renters are generally required to possess a valid international driver's license along with their passport and a credit card for payment and security purposes. Some rental companies may also have age restrictions and additional fees for foreign renters.

It ensures that renters meet the minimum insurance requirements set by the rental company and local regulations, protecting the interests of the rental agency and safeguarding the renter, assuring them that they have adequate coverage in case of an accident or damage to the rented vehicle.

Everyone driving in the USA must have insurance. For most people, this will be bundled in with their car rental. If you're renting a car, you can also buy car rental insurance online, but first you should check if your current car insurance policy covers you for USA car hire as well.