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ICBC Provides
Insurance Tips for Renting a Vehicle
Things to consider before driving
away in a rental vehicle this summer.
Summer has arrived and if your vacation plans
include renting a vehicle, it is important to do a
little research before hitting the road. Things to
consider are your current insurance coverage,
additional coverage, where you will be travelling,
and for how long.
Making sure you have adequate insurance coverage
before your trip begins is important to ensuring the
protection of you and your family.
"Many motorists go to rent a vehicle not knowing
what type of coverage they need, or might already
have," said Kellee Irwin, ICBC vice-president of
Underwriting. "Doing a little pre-trip planning and
checking with your local Autoplan broker could save
you money."
Customers who have purchased ICBC's Roadstar or
RoadsidePlus coverage already have a rental vehicle
policy. ICBC also sells rental vehicle insurance
policies separately for a single day or up to a
year.
Whether it is through the Roadstar package,
RoadsidePlus package, or purchased separately,
ICBC's rental vehicle coverage offers the following
protection:
-
Collision coverage, with a $300 deductible, for
damage to a rental vehicle during a crash.
-
Comprehensive coverage, with a $300 deductible,
for damage such as vandalism, falling or flying
objects, and impact with an animal.
-
Loss of Use coverage of up to $25 per day, to a
total limit of $250.
-
Payment for claims made by the rental company
for loss of rental income.
If
there is no other insurance coverage from any other
source, or the other coverage is less than the
coverage provided by your ICBC vehicle rental
policy, the following coverages will also take
effect:
-
Third-Party Legal Liability up to $1,000,000
($2,000,000 under the RoadSide Plus package).
This covers property damage or injury you cause
to others while driving the rental vehicle.
-
Accident benefits to people in the rented
vehicle.
-
Underinsured Motorist Protection, which protects
you and your family in the event the at-fault
driver in the crash does not have enough
insurance to pay for the claim.
The
ICBC rental vehicle policy can be purchased by B.C.
residents or any B.C. registered company. The policy
applies throughout Canada and the United States. For
more information on insurance coverage for rental
vehicles, talk to your local Autoplan broker or
visit
www.icbc.com.
When
purchasing your rental vehicle policy, it is
important to list all the potential drivers. Having
an unlisted driver drive the vehicle could impact
your insurance coverage.
If
you are involved in a crash while travelling and
need to file a claim, ICBC's Dial-A-Claim service is
open 24 hours a day, including holidays. In the
Lower Mainland, you can call 604-520-8222; for the
rest of B.C. or out-of-province, call
1-800-910-4222. Claims can also be filed online at
www.icbc.com.
Courtesy
ICBC
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