Does Intact Insurance Cover Rental Cars?

Intact Insurance is a reputable name in the insurance industry, offering a wide range of coverage options to meet various needs. One area of coverage that often raises questions is rental car coverage. If you’re wondering whether your Intact Insurance policy covers rental cars, you’re in the right place. In this article, we’ll delve into the details and answer your burning questions.

Understanding Intact Insurance

Before we dive into rental car coverage, let’s get to know Intact Insurance a bit better. Intact Insurance is one of Canada’s largest providers of home, auto, and business insurance. With a history dating back to 1809, they’ve gained a strong reputation for reliable and comprehensive insurance services.

Intact Insurance offers a variety of coverage options, each designed to protect you in different circumstances. Their offerings include auto insurance, home insurance, and more. Now, let’s focus on the auto insurance aspect, which is particularly relevant to rental car coverage.

Rental Car Coverage Explained

Rental car coverage is an essential component of auto insurance that comes into play when you find yourself in need of a temporary replacement vehicle. Whether it’s due to an accident, theft, or other covered perils, rental car coverage ensures you have a vehicle to use while your own is out of commission.

Why You Might Need It

Imagine you’re involved in a car accident, and your vehicle needs repairs. During this time, life doesn’t stop. You still need to get to work, take the kids to school, or run errands. Rental car coverage helps you maintain your daily routine by providing you with a rental car.

Common Scenarios Where Rental Car Coverage is Valuable

  1. Accidents: After a collision, rental car coverage ensures you have a vehicle to use while your car is being repaired.
  2. Theft: If your car is stolen and later recovered, rental car coverage helps bridge the gap until you get your car back.
  3. Vandalism: In cases of vandalism or other non-accident-related damage, rental car coverage can provide you with a temporary vehicle.

Does Intact Insurance Cover Rental Cars?

Now, the big question: Does Intact Insurance cover rental cars? The answer is, it depends.

Investigating the Coverage for Rental Cars

Intact Insurance does offer rental car coverage, but whether it’s included in your policy or not depends on the specific terms and conditions of your policy. It’s crucial to check your policy documents or reach out to your Intact Insurance representative to determine if you have rental car coverage.

Terms and Conditions for Coverage

If you do have rental car coverage, it’s essential to understand the terms and conditions that apply. These may include limitations on the type of rental cars covered, daily rental limits, and coverage periods.

Exceptions and Limitations

It’s important to note that rental car coverage might not apply in certain situations, such as rentals for leisure purposes or longer-term rentals. Be sure to clarify the extent of your coverage with your insurer.

Alternatives to Rental Car Coverage

If you don’t have rental car coverage with Intact Insurance or find it insufficient for your needs, there are alternative options to consider.

Exploring Other Options for Rental Car Coverage

You can explore standalone rental car insurance policies, which are offered by various providers. These policies may offer more flexibility and customization than what’s included in your auto insurance.

Weighing the Pros and Cons

Consider the pros and cons of each option. While adding rental car coverage to your existing auto insurance can be convenient, standalone policies might offer more comprehensive protection.

How to Benefit from Intact Insurance for Rental Cars

If you do have rental car coverage with Intact Insurance, here are some tips to make the most of it.

Tips for Maximizing Your Coverage

  • Know Your Policy: Familiarize yourself with the specifics of your rental car coverage.
  • Use Authorized Rental Companies: Ensure you rent from companies approved by Intact Insurance for a smoother claims process.
  • Report Accidents Promptly: In case of an accident with a rental car, report it promptly to your insurer.

Steps to Follow in Case of an Accident with a Rental Car

In the unfortunate event of an accident with a rental car, follow these steps:

  1. Ensure the safety of all parties involved.
  2. Exchange information with other parties.
  3. Report the incident to the police.
  4. Notify your insurer as soon as possible.

Understanding the Costs

Now that you know the ins and outs of rental car coverage, it’s essential to understand the costs associated with it.

What Does Rental Car Coverage Cost with Intact Insurance?

The cost of rental car coverage can vary depending on several factors, including your policy, location, and the type of car you’re renting. It’s advisable to discuss the costs with your Intact Insurance representative.

How to Get the Best Rates

To secure the best rates for rental car coverage, consider factors like the length of coverage needed and any applicable discounts or bundles available through Intact Insurance.

Making an Informed Decision

Before making a decision regarding rental car coverage, there are several factors to consider.

Factors to Consider When Deciding on Rental Car Coverage

  1. Your driving habits and likelihood of needing a rental car.
  2. The extent of coverage already provided by your existing policy.
  3. Your budget and willingness to pay for additional coverage.

Frequently Asked Questions (FAQs)

1. What types of rental cars are covered?

Intact Insurance typically covers standard rental cars. However, the specific types of cars covered may vary depending on your policy. Review your policy documents for clarification.

2. Can I add rental car coverage after an accident?

Generally, rental car coverage is something you should have in place before an accident occurs. Adding it after an accident may not be possible or cost-effective.

3. How do I file a claim for a rental car accident?

If you have rental car coverage, you can file a claim by contacting your insurer. They will guide you through the process and assist with any necessary paperwork.

4. Does rental car coverage affect my premiums?

Generally, using rental car coverage for a covered incident should not affect your premiums. However, it’s essential to check with your insurer to understand the specifics of your policy.

5. Is rental car coverage worth the cost?

Whether rental car coverage is worth the cost depends on your individual circumstances and how frequently you might need a rental car. Consider your needs and budget when making this decision.


Intact Insurance does offer rental car coverage, but it’s essential to review your policy to determine the specifics of your coverage. Additionally, exploring alternative options for rental car coverage may provide you with more flexibility and comprehensive protection. Making an informed decision that aligns with your needs and budget is crucial when it comes to rental car coverage.

Leave a Comment