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Rental vehicle coverage

Rental vehicle coverage gives you Third-Party Liability, Accident Benefits and more at an affordable rate. You are covered for a rented or borrowed vehicle.

Many rental vehicle companies offer insurance for their customers but the cost is often much higher than buying it in advance from ICBC. Plan ahead to get insured at the best possible rate.

Get rental vehicle coverage from your Autoplan broker or as part of the RoadSidePlus package.

What is included

Up to $1 million Third-Party Liability coverage — If you are at fault in a crash. Up to $2 million Third-Party Liability coverage if you’ve purchased RoadsidePlus, which includes rental vehicle coverage.
Up to $150,000 Accident Benefits — Medical, rehabilitation, disability, funeral and death benefits.
Up to $1 million Underinsured Motorist Protection — You are covered even if they are not.
Collision — Crash coverage with a $300 deductible.
Comprehensive — Coverage with $300 deductible or $200 for windshield.
Loss of Use — Up to $250 to get a rental vehicle or reimbursement for replacement transportation if you can’t drive the rental vehicle because of a crash.
Coverage if the rental company makes a claim against you for loss of rental income.

Also, claims on your rental vehicle policy will not affect your Claim-Rated Scale discount.

What should you know about your rental coverage?

What's covered...

What's not covered...

With this coverage you can name as many other drivers on the rental contract as you like.
Each named driver and you are covered for rented or borrowed vehicles, anywhere in Canada or the U.S.

Please note that this policy will not provide coverage if:

The rental vehicle will only be used by non-B.C. residents.
You want a vehicle that costs more than CA$125 or US$100 per day. (These daily limits do not apply to motor homes, a truck or camper rented as one unit, or wheelchair-accessible vehicles.)
Any vehicle is used for carrying passengers or goods for compensation
The vehicle can carry 16 or more passengers.
It is a commercial motor vehicle of more than 5,000 kg GVW.
It is a snow mobile, snow vehicle, golf cart, all-terrain vehicle, industrial machine or road-building machine.

What should I remember when renting a vehicle?

Booking a vehicle ahead of time	Renting when you arrive...
Buy your policy and book your vehicle ahead of time to ensure that your rental company accepts your ICBC Rental Vehicle coverage. Sometimes you will be asked to pay a larger deposit because you are not buying the rental company's own coverage. Be aware of this when you make a choice of rental company.	Automatically get Third-Party Liability coverage for a rental vehicle when you have Basic Autoplan. The amount you get if you make a claim differs, and your Claim-Rated Scale will change if you do not have Rental Vehicle coverage

What else should I know about Third party Liability coverage?

If...	Then...
you own and license a vehicle in British Columbia	your own Third Party Liability coverage can also be used as excess coverage on a rental vehicle.
rental company asks you to sign an agreement accepting responsibility for providing your own Third Party Liability insurance	in this case, the Rental Vehicle Policy will provide you with primary coverage.
you do not buy a Rental Vehicle Policy	the Third Party Liability coverage from your own vehicle will be your primary coverage. Note: There are some conditions that apply to your coverage, and you should discuss them with your Autoplan broker before you rent a vehicle.
you have a valid B.C. driver's licence and drive any vehicle that you do not own	you automatically have $200,000 worth of Third Party Liability coverage. Note: For the coverage to be valid, your driver's licence must not have Driver Penalty Point Premiums or Multiple Crash Premiums owing against it. For more on this, including conditions that apply, talk to your Autoplan broker.

Third Party Liability

Your risk of being sued by someone: in legal terms, some third "party" in addition to you (first party) and your insurer (second party). When someone talks about a third-party claim against you, that means you are being sued by a person who holds you responsible for injuring them or damaging their property. The person suing can be your own passenger in a crash you caused. The damage you cause to another person - the third party - is covered under Third Party Liability insurance. What Basic Autoplan covers »
Accident Benefits

Insurance payments to cover lost wages, medical/rehabilitation expenses, or compensation to the estate of a fatally injured person. Any B.C. resident who is insured will be paid Accident Benefits, regardless of who caused the crash. These benefits apply to passengers, drivers, pedestrians or cyclists struck by a vehicle if anywhere in Canada or the United States.