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Herman Said:

Can someone help me understand the car rental laws in Ontario and the rest of Canada?

We Answered:

I checked with Avis Car Rental (as an example) and the following information was listed on their website:

"Avis provides liability coverage for its vehicles as required by applicable law. In most instances, this will include basic public liability coverage for the renter or authorized driver up to the minimum financial responsibility limits of the applicable jurisdiction at no additional charge. In some locations the liability coverage which is provided is secondary to any other applicable coverage.

This means the renters personal liability insurances used first and the Avis protection will not apply until the renter or drivers insurance, if any, has been exhausted."

Liability coverage basically covers other people, other property and other vehicles... not the rental car.

Basically this means that third party liability and property damage insurance would be include in the rate that you pay for the rental.

I checked with Ontario law to get some specifics for you to make sure that this information is applicable to all car rental companies in the province.

"The Ontario government ...states.... that the personal auto insurance policy of a renter covers them for liability arising from the use of rental vehicles.

Vehicle rental firms provide insurance coverage on vehicles for renters who do not have personal auto insurance in Ontario."

The average level of liability coverage on an Ontario personal auto policy is $1million. This is the level of public liability coverage that you get from the rental company as you do not have your own coverage.

So basically, your credit will cover loss or damage or theft to the rental car and basic public liability and property damage, as required by the province of Ontario, is inlcluded in your rental rate.

To give you an example if you were in the rental car and ran over the curb and knocked over someone's mailbox, ran over their foot, backed into their car and dinged up the fender of the rental car.... the liability coverage included in your rate would cover the damaged mailbox, the injured food and the damage to the poor soul's car! Your credit card would cover the damage to the fender of the rental car.

You need not purchase any coverages.


Hope this information helps! For more car rental tips visit http://www.best-car-rental-tips.com

Lynn Said:

Which UK car manufacturers offer free breakdown cover as a perk of buying a new car from them?

We Answered:

I thought they all gave free breakdown cover.
Had a new Peugeot and they did for 3 years
If they didnt and the car broke down the other end of the country from where you bought it they would be liable for picking it up and getting it fixed. So it is easier for them to do a deal with the RAC or AA and include it in the purchase price