The Insurance Corporation of British Columbia’s (ICBC) rental car insurance can help eligible BC drivers protect themselves when renting a vehicle in Canada or the United States. This article explains how it works, what RoadStar, Roadside Plus, and the standalone APV281 policy may include, and what limitations to check before you rely on ICBC coverage at the rental counter.
Key Takeaways
- The Insurance Corporation of British Columbia (ICBC) covers eligible rental cars through RoadStar, Roadside Plus, or a standalone Autoplan Rental Vehicle Policy.
- ICBC rental vehicle coverage typically includes liability protection, accident benefits, Collision coverage, Comprehensive coverage, and Loss of Use coverage, but exclusions can apply based on factors such as location, vehicle type, rental length, use, and listed drivers.
- Working with the right broker can help you understand which type of ICBC rental car coverage best fits your needs.
How ICBC Covers Rental Cars
ICBC rental car coverage is usually connected to optional Autoplan protection. Some customers already have rental vehicle coverage through RoadStar or Roadside Plus. Others may be able to buy a standalone Autoplan Rental Vehicle Policy before renting.
It’s important to understand that ICBC does not automatically cover every vehicle rental in every circumstance. Before you sign a rental agreement, always confirm what coverage you have, where it applies, and whether the rental company you’re using will accept it.
ICBC RoadStar Vs. Roadside Plus Packages
RoadStar and Roadside Plus both include rental vehicle coverage for eligible rentals, including collision coverage, comprehensive coverage, accident benefits, loss of use coverage, and third-party liability coverage.
The main difference is the Third Party Liability limit:
- RoadStar includes rental vehicle Third Party Liability coverage up to $1 million.
- Roadside Plus increases that limit to $2 million.
Standalone Rental Vehicle Insurance Policy (APV281)
The standalone ICBC rental vehicle policy, known as APV281, is available for BC drivers who do not already have rental coverage through RoadStar or Roadside Plus. This policy covers eligible rentals within Canada and the United States and is typically purchased before the rental begins.
What Exactly Does The ICBC Rental Policy Cover?
ICBC rental vehicle coverage typically includes several protections, including Third Party Liability, Enhanced Accident Benefits, Underinsured Motorist Protection, Collision coverage, Comprehensive coverage, and Loss of Use coverage.
All ICBC rental car insurance is subject to the rental agreement, vehicle type, listed drivers, policy limits, conditions, exclusions, and other factors.
Critical Limitations And Exclusions You Must Know
ICBC rental car insurance generally applies only to eligible vehicles rented from established rental agencies under a written agreement. Coverage may be affected by:
- Rental length
- Vehicle type
- Daily rental cost
- Commercial use
- Where the vehicle is driven
- Who is listed as a permitted driver
Peer-to-peer rentals, borrowed vehicles, luxury vehicles, large commercial vehicles, or vehicles used to carry passengers or goods for compensation may not qualify for ICBC rental vehicle coverage.
What Happens After An Accident In A Rental Car?
After an accident in a rental car, move to a safe location if possible, check for injuries, and contact emergency services when needed. Gather driver, vehicle, witness, photo, and rental agreement information, then notify the rental company and report the claim to ICBC as required.
The same basic reporting principles apply whether you are driving your own vehicle or a rental, and reviewing the steps after a Surrey car accident can help you understand what information to collect and who to contact.
Why Coughlin Insurance Brokers Makes The Difference
Coughlin Insurance Brokers helps customers understand their rental car insurance options. If you’re renting a vehicle in BC, a Coughlin broker can assist you in reviewing your ICBC Autoplan in Surrey and surrounding areas.
Get Help Choosing The Right Rental Car Coverage
Before renting a vehicle, speak with Coughlin Insurance Brokers about how your current ICBC coverage may apply. Our experienced team can help you compare RoadStar, Roadside Plus, APV281, and rental company coverage before you sign the rental agreement.
FAQ
Does ICBC RoadStar cover rental cars for business trips?
Am I covered if I rent a vehicle outside of Canada and the U.S.?
Should I use my credit card insurance or ICBC for a rental car?
