My spouse/daughter/son/friend may
be driving the vehicle I rent. Do they have to be listed on the rental
agreement?
- Manitoba Public Insurance has no requirement
to list other drivers on the rental agreement for coverage to be provided.
However, some rental companies require this for reasons other than
insurance. It’s best to check with the rental company to confirm
their rules.
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I have a Manitoba Rental Car Insurance
policy. Does that mean I can only drive the rental car in Manitoba?
- Your Manitoba policy just means that you
rented the vehicle in Manitoba. You can drive the car anywhere in
Canada or the U.S.
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If I need to keep my rental car longer
than I planned, can I extend my Rental Car Insurance policy?
- You will have to buy a new policy. You
can make arrangements with your broker over the phone and they will
fax you a copy of the new policy. The new policy must be concurrent
to the first one, and payment must be made immediately by Visa or
MasterCard.
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I'm renting
a car and travelling to Mexico. Does my Rental Car Insurance
coverage apply there?
- Rental Car Insurance only applies
in Canada and the U.S.. Travel in Mexico is not covered.
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Can I buy a Rental Car Insurance
policy for a car that I’m renting in Hawaii?
- Hawaii is part of the U.S., even though it’s
an island. Yes, your Rental Car Insurance coverage applies
there.
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How do I know what to purchase - Rental
Car Insurance from Manitoba Public Insurance, the rental company’s
CDW, or use my credit card coverage?
- Rental Car Insurance is usually more
affordable than the rental company’s insurance, and often provides
more complete coverage. You have to do your homework on your credit
card coverage. Each card may have exclusions that you may be unaware
of until it’s too late.
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How much
can I save by buying a Rental Car Insurance policy?
- You can save up to $25 per day over purchasing
the rental company’s insurance coverage.
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I’m borrowing my cousin’s
vehicle when I go to Calgary. Do I need Rental Car Insurance
for that?
- Rental Car Insurance is for any
vehicle you rent or borrow with the owner’s permission. It’s
a good idea to have a Rental Car Insurance policy even when
you’re borrowing a vehicle. It means that any person outside
of Manitoba that you borrow it from won’t have to make a claim
through their own insurance if you have an accident. Plus, Rental
Car Insurance is the most insurance protection you can buy if
you are unsure of the coverage on the vehicle you are borrowing.
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How do I make a claim for damage to
a vehicle I rented?
- You make your claim the same way
you would if you have an accident with your own vehicle. For a claim
that happens outside of Manitoba, you call our Out-of-Province Claims
line 1-800-661-6051 or fax 1-866-585-5660.
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If I’m hurt in an accident while
driving a rental car, are my injuries covered?
- Your Rental Car Insurance policy has Manitoba
Public Insurance’s Personal Injury Protection Plan (PIPP) coverage
built into it, so you are always protected no matter where you are
when the accident happens.
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What if
the rental car company charges me for repairs?
- Make sure you tell the rental
company you have made a claim and that you have Rental Car Insurance.
If they do bill you, send the bill to the adjuster handling your claim.
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How can
I save up to $25/daily on my rental vehicle?
- Your saving is on the extra insurance sold by the rental
car company. In the United States, this can average as much as $25 per
day. In Canada, the savings can average up to $20 per day. Even in Manitoba,
you can easily save $5 per day over buying the rental car company’s
insurance.
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