Vancouver Auto Chat 2016 VAC Community Head Moderator: Raid3n | ![Reply](https://www.revscene.net/styles/darklight/images/buttons/reply.gif) |
08-06-2021, 10:56 AM
|
#1 | private modder
Join Date: Feb 2002 Location: North Shore
Posts: 6,812
Thanked 2,753 Times in 773 Posts
Failed 46 Times in 34 Posts
| Credit card rental insurance
So I saw this article https://globalnews.ca/news/8086067/c...olicy-warning/
And then I realized I've rented pickup trucks before and mistakenly thought my credit card would cover me, when it in fact would have not.
So I looked at my visa insurance agreement in detail and it says: Quote:
The following vehicles are NOT covered:
1. Vans, cargo vans or mini cargo vans (other than mini-vans);
2. Trucks, pick-up trucks or any vehicle that can be spontaneously reconfigured into a pickup truck);
3. Limousines;
4. Off-road vehicles – meaning any vehicle used on roads that are not publicly maintained
roads unless used to ingress and egress private property;
5. Motorcycles, mopeds or motor bikes;
6. Trailers, campers, recreational vehicles or vehicles not licensed for road use;
7. Vehicles towing or propelling trailers or any other object;
8. Mini-buses or buses;
9. Any vehicle with a Manufacturer’s Suggested Retail Price (MSRP) excluding all taxes, over sixty-five thousand dollars Canadian ($65,000 CDN);
10. Exotic vehicles, meaning vehicles such as Aston Martin, Bentley, Bricklin, Daimler,
DeLorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus, Maserati, Porsche, Rolls Royce;
11. Any vehicle which is either wholly or in part hand made, hand finished or has a limited
production of under two thousand, five hundred (2,500) vehicles per year;
12. Antique vehicles, meaning a vehicle over twenty (20) years old or which has not been
manufactured for ten (10) years or more; and
13. Tax-free cars.
Luxury vehicles, including but not limited to BMW, Cadillac, Lincoln and Mercedes Benz, are
covered as long as they meet the above requirements.
| Re: point 9, a few times I've walked up to the counter and they've upgraded me to a BMW, Land Rover, etc. How am I supposed to know whether the MSRP of the vehicle is below $65k? Do they have that information at the counter if I ask? I feel like I've dodged many bullets with my previous rentals while thinking all the while I was covered.
Anyways I'm posting this here for others in case it helps knowing what your credit card excludes more or less, YMMV.
|
| |
08-06-2021, 11:17 AM
|
#2 | OMGWTFBBQ is a common word I say everyday
Join Date: Jul 2006 Location: Vancouver
Posts: 5,226
Thanked 2,899 Times in 1,229 Posts
Failed 45 Times in 25 Posts
|
Amex is a bit better for coverage, as they cover $85k and less, so a bit more leeway. Honestly for travel, Amex's policies and concierge service are very hard to beat.
This is from the Simply Cash Preferred, but I believe all the other cards that provide car rental insurance are similar. https://www.insurance.americanexpres...erts-16388.pdf Code: The following vehicles are excluded from coverage under this Certificate:
1. Automobiles or other vehicles which are not rental autos;
2. Any vehicle, in its model year, with a Manufacturer’s Suggested Retail
Price (MSRP) over eighty-five thousand dollars ($85,000) Canadian,
excluding all taxes, at the place the rental agreement is signed or
where the rental auto is picked up;
3. Vans, cargo vans or mini cargo vans (other than mini-vans);
4. Trucks, pick-up trucks or any vehicle that can be spontaneously
reconfigured into a pick-up truck;
5. Limousines;
6. Off-road vehicles;
7. Motorcycles, mopeds or motor bikes;
8. Trailers, campers, recreational vehicles or vehicles not licensed for
road use;
9. Vehicles towing or propelling trailers or any other object;
35
10. Mini-buses or buses;
11. Any vehicle which is either wholly or in part hand made, hand finished
or has a limited production of under 2,000 vehicles per year;
12. Antique vehicles, meaning a vehicle over twenty (20) years old or
which has not been manufactured for ten (10) years or more;
13. Tax-free cars
__________________ Quote:
Originally Posted by PeanutButter Damn, not only is yours veiny AF, yours is thick AF too. Yours is twice as thick as mine.. That looks like a 2" or maybe even 3"? | |
| |
08-06-2021, 11:40 AM
|
#3 | RS Veteran
Join Date: Dec 2001 Location: GTA
Posts: 29,586
Thanked 11,178 Times in 4,590 Posts
Failed 421 Times in 272 Posts
|
I have an AMEX Cobalt card but Eff-1 seems to believe I have an AMEX Black card.
Thank goodness for this thread because similar to the AMEX SimplyCash, Cobalt's exclusions are as follows: Code: The following vehicles are excluded from coverage under this Certificate:
1. Automobiles or other vehicles which are not rental autos;
2. Any vehicle, in its model year, with a Manufacturer’s Suggested Retail
Price (MSRP) over eighty-five thousand dollars ($85,000) Canadian,
excluding all taxes, at the place the rental agreement is signed or
where the rental auto is picked up;
3. Vans, cargo vans or mini cargo vans (other than mini-vans);
4. Trucks, pick-up trucks or any vehicle that can be spontaneously
reconfigured into a pick-up truck;
5. Limousines;
6. Off-road vehicles;
7. Motorcycles, mopeds or motor bikes;
8. Trailers, campers, recreational vehicles or vehicles not licensed for
road use;
9. Vehicles towing or propelling trailers or any other object;
10. Mini-buses or buses;
11. Any vehicle which is either wholly or in part hand made, hand finished
or has a limited production of under 2,000 vehicles per year;
12. Antique vehicles, meaning a vehicle over twenty (20) years old or
which has not been manufactured for ten (10) years or more;
13. Tax-free cars.
__________________ Quote:
Originally Posted by whitev70r When I had a 2 yo, attending those were friggin painful as hell. I rather get the Chinese water torture for 2 hours. | Quote:
Originally Posted by Badhobz excuse me, i would never date a mainlander... thats disgusting. | |
| |
08-06-2021, 11:41 AM
|
#4 | I contribute to threads in the offtopic forum
Join Date: Jul 2012 Location: Vancouver
Posts: 2,915
Thanked 4,452 Times in 1,028 Posts
Failed 263 Times in 82 Posts
|
You can ask the rental agent what the msrp is of the car you're renting. It's usually in the system for purposes like these. Kind of tricky sometimes as well as a C class for example could exceed the 65k MSRP if fully loaded but a base model would be well under. Some cc companies also refuse to insure cars based on brands (Porsche, bmw, Benz) regardless of msrp.
|
| |
08-06-2021, 03:56 PM
|
#5 | in the butt
Join Date: Aug 2016
Posts: 2,801
Thanked 3,514 Times in 1,280 Posts
Failed 168 Times in 91 Posts
|
Insurance clauses are complicated for a reason, so that the insurance company can say whatever they want to deny you coverage
__________________ Quote:
Originally Posted by Mr.Money i hate people who sound like they smoke meth then pretend like they matter.
Originally Posted by ilovebacon
Does anyone have a pair of 25 pounds one-inch hole for sale at a reasonable price?
Originally Posted by mikemhg
Clothes come off and my car is permeated with the smell of fillet-o-fish and canned tuna. | |
| |
08-07-2021, 06:32 AM
|
#6 | I contribute to threads in the offtopic forum
Join Date: Mar 2011 Location: Vancouver
Posts: 2,824
Thanked 2,600 Times in 1,123 Posts
Failed 56 Times in 22 Posts
|
Unlike ICBC's rental coverage, CC rental policies also usually only cover the vehicle and not you (like if the other party sues you) so they're sorta worthless and you still need to buy additional coverage like underinsured driver and 3rd party liability.
ICBC's rental coverage isn't all roses either: https://www.icbc.com/insurance/Docum...ure-032021.pdf (see page 23)
It only covers cars up to $125/day CAD and $100/day USD which isn't that high especially right now with few cars. I checked on the Enterprise site (they're one of the cheapest companies) and for Sept 21 for 1 day a Kia Forte (or similar) is $127/day. The only cars that are covered by ICBC are the Chevy Spark and Nissan Versa class.
__________________
Current: 2019 Acura RDX
Gone: 2007 Acura TSX, 2008 Mazda 3 GT, 2003 Mazda Miata LS, 2008 Mazda Miata GT PRHT, 2003 Mazda Protege 5
Last edited by supafamous; 08-07-2021 at 06:45 AM.
|
| |
08-09-2021, 10:24 AM
|
#7 | My homepage has been set to RS
Join Date: Apr 2001 Location: YVR
Posts: 2,104
Thanked 659 Times in 78 Posts
Failed 26 Times in 9 Posts
| Quote:
Originally Posted by supafamous Unlike ICBC's rental coverage, CC rental policies also usually only cover the vehicle and not you (like if the other party sues you) so they're sorta worthless and you still need to buy additional coverage like underinsured driver and 3rd party liability.
ICBC's rental coverage isn't all roses either: https://www.icbc.com/insurance/Docum...ure-032021.pdf (see page 23)
It only covers cars up to $125/day CAD and $100/day USD which isn't that high especially right now with few cars. I checked on the Enterprise site (they're one of the cheapest companies) and for Sept 21 for 1 day a Kia Forte (or similar) is $127/day. The only cars that are covered by ICBC are the Chevy Spark and Nissan Versa class. | I'd assume $125 is before the taxes and fees?
Anyways, it's crazy how expensive rental cars are right now.. I'm booking compact for $114 a day or $164 after taxed.. eww
|
| |
08-09-2021, 02:31 PM
|
#8 | I contribute to threads in the offtopic forum
Join Date: Mar 2011 Location: Vancouver
Posts: 2,824
Thanked 2,600 Times in 1,123 Posts
Failed 56 Times in 22 Posts
| Quote:
Originally Posted by Ohkun I'd assume $125 is before the taxes and fees?
Anyways, it's crazy how expensive rental cars are right now.. I'm booking compact for $114 a day or $164 after taxed.. eww | Yeah, I think it's always pre-tax for this kind of thing as taxes and fees really vary from area to area. I'd write ICBC to ask them what they're doing about this but the last time I wrote them I didn't get a response for 3 weeks.
__________________
Current: 2019 Acura RDX
Gone: 2007 Acura TSX, 2008 Mazda 3 GT, 2003 Mazda Miata LS, 2008 Mazda Miata GT PRHT, 2003 Mazda Protege 5
|
| |
08-09-2021, 02:44 PM
|
#9 | My AFC gave me an ABS CEL code of LOL while at WOT!
Join Date: Mar 2005 Location: Vancouver
Posts: 1,824
Thanked 4,837 Times in 1,100 Posts
Failed 16 Times in 14 Posts
| Quote:
Originally Posted by Ohkun I'd assume $125 is before the taxes and fees?
Anyways, it's crazy how expensive rental cars are right now.. I'm booking compact for $114 a day or $164 after taxed.. eww | that's because there are no cars
rental fleets were sold off during covid. current production woes in the car industry have prevented them from stocking back up
price out a car rental for a week in hawaii this winter. it was already a racket before, now it's unreal. You're better off driving a uhaul around for a week (but probably can't get one)
__________________ Quote:
Originally Posted by westopher replace that wood for who gets producer the wood. | |
| |
08-09-2021, 11:26 PM
|
#10 | I only answer to my username, my real name is Irrelevant!
Join Date: Oct 2002 Location: CELICAland
Posts: 25,663
Thanked 10,387 Times in 3,913 Posts
Failed 1,390 Times in 625 Posts
|
I took a merc suv offroading to get to some hiking trails in arizona ![LOL](images/smilies/lol3.gif) damn I'm lucky
I should check my policy
|
| |
08-09-2021, 11:37 PM
|
#11 | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007 Location: Vancouver BC
Posts: 22,069
Thanked 9,845 Times in 3,912 Posts
Failed 881 Times in 421 Posts
|
if i'm renting out of province can i get something before my trip like through bcaa?
or just go with the car rental's package?
|
| |
08-10-2021, 12:48 AM
|
#12 | My homepage has been set to RS
Join Date: Apr 2001 Location: Vancouver, BC
Posts: 2,070
Thanked 31 Times in 21 Posts
Failed 10 Times in 4 Posts
|
TD listed BMW, Mercedes, Lincoln, and Cadillac are covered as long as it meet other requirement (mainly under $65K). Also all exotic vehicles are also not covered.
|
| |
08-10-2021, 05:39 AM
|
#13 | I contribute to threads in the offtopic forum
Join Date: Mar 2011 Location: Vancouver
Posts: 2,824
Thanked 2,600 Times in 1,123 Posts
Failed 56 Times in 22 Posts
| Quote:
Originally Posted by twitchyzero if i'm renting out of province can i get something before my trip like through bcaa?
or just go with the car rental's package? | Generally yes, rental car insurance doesn't really care about in or out of province. Just make sure the car you rent meets their coverage criteria.
Obviously, the rental car insurance from the rental car shop is outrageously overpriced but that might be your only option b/c the coverage criteria doesn't cover the car.
__________________
Current: 2019 Acura RDX
Gone: 2007 Acura TSX, 2008 Mazda 3 GT, 2003 Mazda Miata LS, 2008 Mazda Miata GT PRHT, 2003 Mazda Protege 5
|
| |
08-10-2021, 10:29 AM
|
#14 | I *heart* Revscene.net very Muchie
Join Date: Mar 2006 Location: Vancouver
Posts: 3,921
Thanked 2,788 Times in 1,274 Posts
Failed 56 Times in 31 Posts
| Quote:
Originally Posted by StylinRed I took a merc suv offroading to get to some hiking trails in arizona ![LOL](images/smilies/lol3.gif) damn I'm lucky
I should check my policy | I thought there'd be pictures
|
| |
08-10-2021, 11:50 PM
|
#15 | I only answer to my username, my real name is Irrelevant!
Join Date: Oct 2002 Location: CELICAland
Posts: 25,663
Thanked 10,387 Times in 3,913 Posts
Failed 1,390 Times in 625 Posts
|
Lmao this was like 4 years ago I'll have to dig around for some pics |
| |
08-12-2021, 08:09 AM
|
#16 | Willing to sell body for a few minutes on RS
Join Date: Jul 2001 Location: Cloverdale
Posts: 11,558
Thanked 3,764 Times in 1,335 Posts
Failed 82 Times in 41 Posts
|
Thanks for posting that I had no idea, I checked my card and it's exactly as you posted. You using an RBC Avion card as well or maybe that's generic.
I guess if I ever rent an exotic I better get the insurance, normally I always decline rental insurance and assume between ICBC and my Credit Card I'm covered.
__________________
“The world ain't all sunshine and rainbows. It's a very mean and nasty place... and I don´t care how tough you are, it will beat you to your knees and keep you there permanently, if you let it. You, me or nobody, is gonna hit as hard as life. But ain't about how hard you hit... It's about how hard you can get hit, and keep moving forward... how much you can take, and keep moving forward. That´s how winning is done. Now, if you know what you worth, go out and get what you worth.” - Rocky Balboa |
| |
08-20-2021, 06:08 PM
|
#17 | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007 Location: Vancouver BC
Posts: 22,069
Thanked 9,845 Times in 3,912 Posts
Failed 881 Times in 421 Posts
|
anyone know what td underwritten policy's like?
does it cover additional drivers?
cc wont provide via email only mail, directly calling the insurance is a long hold
|
| |
08-21-2021, 06:16 AM
|
#18 | I contribute to threads in the offtopic forum
Join Date: Mar 2011 Location: Vancouver
Posts: 2,824
Thanked 2,600 Times in 1,123 Posts
Failed 56 Times in 22 Posts
| Quote:
Originally Posted by twitchyzero anyone know what td underwritten policy's like?
does it cover additional drivers?
cc wont provide via email only mail, directly calling the insurance is a long hold | It's usually based on the program the card is a part of (Infinite, World, World Elite etc) so it's the same across banks. Here's the Scotia Infinite brochure: https://www.scotiabank.com/content/d...it.pdf#page=31
__________________
Current: 2019 Acura RDX
Gone: 2007 Acura TSX, 2008 Mazda 3 GT, 2003 Mazda Miata LS, 2008 Mazda Miata GT PRHT, 2003 Mazda Protege 5
|
| |
08-21-2021, 06:22 AM
|
#19 | I WANT MY 10 YEARS BACK FROM RS.net!
Join Date: Oct 2007 Location: Vancouver BC
Posts: 22,069
Thanked 9,845 Times in 3,912 Posts
Failed 881 Times in 421 Posts
|
found it last night, as expected no liability coverage
going to call up stratford if my optional has it, if not i'll get the icbc $10/day (which im told excludes glass/tires)
|
| |
08-21-2021, 12:12 PM
|
#20 | I contribute to threads in the offtopic forum
Join Date: Jul 2012 Location: Vancouver
Posts: 2,915
Thanked 4,452 Times in 1,028 Posts
Failed 263 Times in 82 Posts
|
If you're renting within BC, I would say all big name rental agencies must have at least 200k 3rd party liability through ICBC. ICBC itself is a good option though if you want more coverage.
|
| | ![Reply](https://www.revscene.net/styles/darklight/images/buttons/reply.gif) |
Posting Rules
| You may not post new threads You may not post replies You may not post attachments You may not edit your posts HTML code is Off | | | All times are GMT -8. The time now is 08:37 PM. |