Rental insurance works a little differently than your own car insurance policy.

Does car insurance cover rental vehicles. Your Home insurance provides coverage for any possessions you have in the car like a camera or luggage. Insurance you buy from the rental agency. If your car breaks down youll need rental reimbursement coverage for your car insurance to cover a rental car.

There are a few types of coverage you can. Its important to understand the basics of rental insurance in order to protect yourself. Theres no need to buy personal effects insurance from a rental car.

Rental Vehicle Coverage Valuable protection for you and your rented vehicle. This covers vehicles in your care custody and control including rentals if theyre stolen or damaged for you and anyone listed on your policy. The caveat is that this coverage extends to the same limits of your personal auto insurance policy.

Credit card rental insurance will cover almost all cars SUVs and minivans but it wont cover every vehicle type for example exotic cars motorcycles trailers and larger vehicles with over eight seats are exempt. If you do not have a current auto insurance policy you will be required to purchase this coverage before you can rent a car. If your auto insurance policy includes the OPCF 27 you already have coverage for damage to a vehicle that you dont own such as a rental automobile.

A note of caution the OPCF 27 is only valid for driving non-owned automobiles in Canada and the United States. Your credit card must be in good standing otherwise coverage wont apply. What Does Rental Car Insurance Cover.

Rental Vehicle coverage gives you and your rented vehicle great protection at a very affordable rate. Insurance in your auto policy for rental car costs. If you are driving internationally you will have to purchase coverage elsewhere.