Car rental insurance in US with Canadian hired car
There are a few posts around car rental insurances here on Travel but my situation is a bit unique. Some facts...
- Flew into Vancouver, Canada from New Zealand with my wife and 6 month old and hired a rental car for 88 days
- Did not purchase the additional insurances which I believe is damage waiver and personal liability, both at $6 CAD and $1 CAD per day respectively
- I personally am fully covered through my corporate insurance policy which states not to purchase insurance at the desk when hiring a car.
- Spent 2 days in Vancouver, Canada and then drove to Oregon where we will be spending all my time (working)
- The rental agreement is actually split into 3 since Rental car agencies only have contracts for 30 days. So I have the 3 agreements on dates of 19 Apr, 19 May and 18 Jun.
- Oregon has the following requirements for Insurance found on the dmv site
- My wife is listed as a second driver
- My wife has independant travel insurance that covers medical and car excess insurance only
- My corporate insurance does not cover her for vehicle insurance
What I am wanting is to find a way to get my wife covered to drive the car for the rest of the duration. This has been proven to be quite difficult for the following reasons.
- The Rental car agency will not allow insurance to be added mid agreement. If it is possible to add at the agreement boundaries the insurance would be $24 USD per day making it quite expensive
- The Rental car agency office cannot add the insurance in Oregon since the car was rented in Canada.
- We tried online sites but they can only provide insurance with dates that match the agreements. It would be possible to have it start on 19 May, however...
- They state that it only applies to US rented vehicles. (this particular site which would have given us about 40 USD insurance per the 30 day period)
- Cannot get personal vehicle insurance such through AAA as they do not cover rental cars (afaik)
So with all that in place. Is there a way to get insurance for my wife for the same rented car while in the US (Oregon)? the most promising lead was were we found specific online companies that can cover Rental cars but we need one that will allow cover while in the US for a Canadian rented car making sure the level of cover match Oregon state law for vehicle cover.
Having a high excess is not an issue because we have travel insurance that will cover that.
Thanks
Best Answer
This is not a wisecrack, but why rent in Vancouver for 2 days when the rest of the time would be in Oregon? Is this a special car or agency that will be reimbursed by your company?
With all the stipulations and barriers, it might just make more sense to see if you can return the car to a local office and then hire a vehicle in Oregon instead.
You may need to pay some penalty to return the vehicle at an office away from Vancouver, but the cost may be much less than the added mid-agreement insurance fees.
Then, depending on where/when you fly to New Zealand, you can drive the rental to the airport or take a ride on a bus from Washington State to Vancouver.
Pictures about "Car rental insurance in US with Canadian hired car"
Does Canadian car insurance cover rentals in US?
If you're planning on travelling across the border, your current car insurance policy will partially cover your rental vehicle. Generally, Canadian travellers are able to utilize their liability insurance while renting a car in the United States. Travellers can purchase additional coverage from the rental car agency.Do I need additional insurance for rental car in USA?
You don't need to have your own auto insurance policy to rent a car. However, rental agencies typically have minimal coverage on their vehicles, so if you get into an accident, you could be responsible for significant expenses.Can I take a rented car from Canada to USA?
Can I cross the Canadian border with a rental car? Yes. Most rental car companies in the USA, including Budget, Dollar and Hertz, allow their vehicles to cross the Canadian border, but make sure to inform your provider in advance and read their terms and conditions carefully.Does car insurance cover international rental cars?
Most U.S. auto insurers won't cover you while you're driving abroad, with the possible exceptions of Canada and Mexico. So unless you have a credit card that offers rental car insurance, you'll probably need to purchase your insurance from the rental company itself.Rental Car INSURANCE Cover TIPS // Car Hire USA/UK 🇺🇲🇬🇧
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