Travel

Car Rental Insurance - First time rental with Scotiabank Amex

  • Last Updated:
  • Jan 1st, 2018 5:54 pm
[OP]
Jr. Member
Jun 7, 2015
101 posts
6 upvotes

Car Rental Insurance - First time rental with Scotiabank Amex

Hello everyone,

I have the Scotiabank Amex gold CC and it comes with Rental Car Collision/Loss Damage Insurance and I am renting for the first time with Enterprise tomorrow :) I was wondering if I need to purchase any additional insurance? Liability insurance for example?

Also is it best to say you will return the car's fuel as you received?

I don't have a car or I don't have an auto insurance and I am in Toronto, Ontario.

Any help is appreciated.
21 replies
Deal Addict
Jan 28, 2014
3469 posts
678 upvotes
Toronto
Re the fuel - yes, fill up before you return the car. If the fuel level at time of renting is only 3/4 make certain that it is noted on your rental agreement. Then fill up to the 3/4 level - taking into account have far you have to drive post refilling the tank to get to the rental agency.

Re insurance coverage, it would be best if you asked Scotiabank directly - pointing out to the rep that you do not have private insurance coverage.
[OP]
Jr. Member
Jun 7, 2015
101 posts
6 upvotes
Thanks for the reply. Is it true all Ontario rentals have minimum liability coverage.

I called Scotiabank and the insurance department is closed :(
Deal Fanatic
User avatar
Jun 19, 2001
8646 posts
2344 upvotes
- you cannot buy liabiltiy insurance for a rental in ON if you wanted to , so no decision to make. they aren't allowed to sell it

-with your credit card you don't need to buy the rental company CDW insurance

-yes you want to fill up the gas yourself before you bring it back and not take the "Prepay for a full tank". Enterpsie here has a sign about that but they bever even ask anyone if they want that and no ones does it

-you dont want the personal accident insuance or personal effect insurance though they probably wont even ask
[OP]
Jr. Member
Jun 7, 2015
101 posts
6 upvotes
zoro69 wrote: - you cannot buy liabiltiy insurance for a rental in ON if you wanted to , so no decision to make. they aren't allowed to sell it

-with your credit card you don't need to buy the rental company CDW insurance

-yes you want to fill up the gas yourself before you bring it back and not take the "Prepay for a full tank". Enterpsie here has a sign about that but they bever even ask anyone if they want that and no ones does it

-you dont want the personal accident insuance or personal effect insurance though they probably wont even ask
Thanks for the reply. So I am good with the CDW insurance from my CC. Is the liability insurance usually part of an existing auto insurance or something else?
Deal Fanatic
User avatar
Jun 19, 2001
8646 posts
2344 upvotes
In ON (and some other provinces) if you have your own ON auto policy when you rent a car, your policy is primary liability when you drive the rental. If you don't have an auto policy, the liabilty the car rental co has on the car is the liability.
[OP]
Jr. Member
Jun 7, 2015
101 posts
6 upvotes
zoro69 wrote: In ON (and some other provinces) if you have your own ON auto policy when you rent a car, your policy is primary liability when you drive the rental. If you don't have an auto policy, the liabilty the car rental co has on the car is the liability.
I don't have an auto policy. Sorry I don't get your last statement: if you don't have an auto policy, the liabilty the car rental co has on the car is the liability.
Deal Fanatic
User avatar
Jun 19, 2001
8646 posts
2344 upvotes
Enterprise' insurance policy is the liability insurance while you drive the car. Which is included in the price you pay for the rental
[OP]
Jr. Member
Jun 7, 2015
101 posts
6 upvotes
zoro69 wrote: Enterprise' insurance policy is the liability insurance while you drive the car. Which is included in the price you pay for the rental
Thank you once again, I gave you an up vote. So I don't need anything else other than my credit card CDW so the Enterprise already offers the liability insurance as part of the cost? Thanks once again
Deal Guru
May 29, 2006
10272 posts
2863 upvotes
the prepay option per litre has been cheaper at enterprise then the pump price the last few times I rented.

I guess the kicker is you maybe not use the full tank.
Deal Fanatic
User avatar
Jun 19, 2001
8646 posts
2344 upvotes
Its always a little less per l then market price to prepay. Because they know its virtually impossible to come out ahead doing that. You'd have to be drivng an unfamiliar car on empty for awhile, even if you knew you were going fare enough to use the gas in the tank
Member
Feb 26, 2009
282 posts
69 upvotes
Surrey, BC
Thanks I have the same credit card and will be visiting this summer! Although I will say this... Last year when I was in Windsor, I asked if I needed to buy liability at enterprise and they said yes and charged me $7 per day. So not sure what I was paying for.... FYI
AKA "canadude" :arrow: Howard Forums
Newbie
Nov 23, 2016
55 posts
70 upvotes
Brampton
CONFUSION

Today I called Enterprise rental location in Brampton on Queen St and was told that liability coverage would be $19.99 per day.

Complete package including Roadside asssistance + Collision Damage + Liability would be $35.99 per day.

So I cancelled my rental pick up for this weekend until things get clear or I get access to some useful fine print
Jr. Member
Feb 15, 2010
105 posts
1 upvote
Markham
zoro69 wrote: In ON (and some other provinces) if you have your own ON auto policy when you rent a car, your policy is primary liability when you drive the rental. If you don't have an auto policy, the liabilty the car rental co has on the car is the liability.
That's my understanding as well. What if I rent a car in US, do my personal auto insurance kick in first for third party liability in case sth happens? I'm debating whether I should get the 3rd party liability insurance if that's the case. Any insights?
Deal Addict
May 14, 2010
1038 posts
97 upvotes
Halifax
serialKickerr wrote: CONFUSION

Today I called Enterprise rental location in Brampton on Queen St and was told that liability coverage would be $19.99 per day.

Complete package including Roadside asssistance + Collision Damage + Liability would be $35.99 per day.

So I cancelled my rental pick up for this weekend until things get clear or I get access to some useful fine print
they were lying to you. see here for their options in Canada https://enterprise.custhelp.com/app/ans ... /insurance

detailed below.


Damage Waiver

DAMAGE WAIVER (DW) is offered at the time of rental for an additional daily charge. If the renter accepts DW, Enterprise waives or reduces the renter's responsibility for loss of, or damage to, the rental vehicle (including but not limited to towing, storage, loss of use, administrative fees and/or diminishment of value) subject to the terms and conditions of the rental agreement and applicable laws.

DW is not insurance. The purchase of DW is optional and not required to rent a car. The protection provided by DW may duplicate the renter's existing coverage. Enterprise is not qualified to evaluated the adequacy of the renter's existing coverage; therefore the renter should examine his or her credit card protections, automobile insurance policies or other sources of coverage that may duplicate the protection provided by DW.

The cost of Damage Waiver varies by location and vehicle type. The daily cost is between $13.99 and $29.99 (Canadian Dollars) per day.

Personal Accident Insurance & Personal Effects Coverage

Personal Accident Insurance (PAI) available at all Enterprise Locations.

Personal Effects Coverage (PEC)
available at Enterprise Airport Locations only.

PERSONAL ACCIDENT INSURANCE - PERSONAL EFFECTS COVERAGE (PAI-PEC) is offered at the time of rental for an additional daily charge. If accepted the PAI contained in the policy provides renter and renter's passengers with accidental death, accident medical expenses and ambulance expense benefits. The PEC contained in the policy insures the personal effects of the renter, additional drivers, or nay members of the renter's immediate family who permanently resides in the renter's household and who is traveling with the renter against risks of loss or damage. Benefits are payable in addition to any other insurance coverage the renter or passengers may have. This is a summary only.

PAI-PEC is subject to the provisions, limitations and exclusions of the PAI-PEC policy underwritten by Chubb Insurance Company of Canada. The purchase of PAI-PEC is optional and not required to rent a car. The coverage provided by PAI-PEC may duplicate the renter's existing coverage.

Enterprise is not qualified to evaluate the adequacy of the renter's existing coverage; therefore the renter should examine his or her personal insurance policies or other sources of coverage that may duplicate the coverage provided by PAI-PEC. The PAI-PEC for this branch is 6.99 CAD per day.

These are optional products that may be purchased at the time of rental and are not included in the total cost estimate quoted in the reservation.
Deal Addict
May 14, 2010
1038 posts
97 upvotes
Halifax
aka414 wrote: That's my understanding as well. What if I rent a car in US, do my personal auto insurance kick in first for third party liability in case sth happens? I'm debating whether I should get the 3rd party liability insurance if that's the case. Any insights?
You would need to check with your insurer. usually if you have "“Legal Liability for Damage to Non Owned Autos”, OPCF 27" it does cover the USA.
Deal Addict
May 14, 2010
1038 posts
97 upvotes
Halifax
One more thing to consider is that credit cards have a limit to how expensive of a vehicle you can rent, it is typically $65,000 msrp

And they almost all exclude pickup trucks from coverage.
Deal Addict
Oct 18, 2003
1405 posts
132 upvotes
OPCF 27 has like limit of $50,000 and cover damage to the Rental and is not the third party coverage which would be covered under opa 1?
RandomCDN wrote: One more thing to consider is that credit cards have a limit to how expensive of a vehicle you can rent, it is typically $65,000 msrp

And they almost all exclude pickup trucks from coverage.

Top