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  • Home / Car Rental Coverage

    Car Coverage

    The key to your peace of mind!

    You will not find any other car rental company that is more transparent about their coverage policy as Globe does. For our mutual protection, we require that all our vehicles are properly insured. We want your peace of mind at all times. Clicking each “i” will reveal more details. We didn’t leave anything out!!

    coverage
    • Car Rental Coverage
    • CDW (Collision Damage Waiver)
    • PAP (Practical Assistance Package)
    • Liability Coverage
    • Your Own Insurance

    Car Coverage
    Details

    Best 

    Best: CDW + PAP + PEC ($0 Deductible)

    Best Choice! This coverage is total peace of mind.  No claims, no forms, no hassles with your credit card company. Simply walk-away. And better yet, $0 Deductible and includes trip interruption benefits.

    CDW + PAP
    ($0 Deductible)

    Better 

    Better: CDW ($500 Deductible)

    CDW (Collision Damage Waiver) is coverage for the rented vehicle in case of damage or theft. This saver is the lowest cost coverage available.

     CDW
    ($500 Deductible,
    $1000 for Trucks)

    Good 

    Good: Credit Card Coverage + PAP

    Credit Card + PAP (Protection Assistance Plus) is a hybrid coverage.  PAP is an add-on to cover many items including trip interruption to your basic credit card coverage.

    Credit Card
    Coverage + PAP

    So-So 

    So-So: Credit Card Coverage

    Credit Card alone is risky business! Some may cover the rented car but has many conditions and limitations.  In the event of a claim being denied by the credit card company, then renter will be personally responsible for all damages or theft.

    Credit Card
    Coverage

    Not Good 

    Not Good: Insurance Via Personal Car Policy

    Personal Car Insurance – the biggest 2 problems with using your own personal insurance car coverage for the rented car:
    1) Any claim will result in a claim as if it was your own vehicle,
    2) Insurance premium increases; and that is every year thereafter,
    Limitations, deductibles, etc… will all follow to the rented car.  Any short fall will be the reasonability of the driver.

    Insurance Via
    Personal Car Policy

    Hassle-Free Walk-Away

    Hassle-Free Walk-Away

    CDW (Collision Damage Waiver) provided by Globe is a hassle-free walk-away coverage.  This is the best choice of coverage because it exonerates your responsibility in the event of a collision regardless of fault.  Note: you will be subject to $500 deductible unless you choose PAP package which reduces your responsibility to $0.

    Credit Cards require lengthy claims form, about a dozen supporting documents and average 6 months to settle.

    Personal Car Insurance requires you to open a claim directly with your car rental insurance company; similar if you had the accident with your own car.  You will be also liable for the deductible and risk insurance premium increase the following year (and every year after that).

     
    Unlimited Rental Days 

    Unlimited Rental Days

    CDW & PAP have no rental duration limit.

    Credit Cards have time-frame limitations ranging from 28 to 48 days.  This may result in a claim rejection from your credit card company should you not fall within their criteria.

    Personal Car Insurance varies from policy to policy, province to province.  Please verify with your personal car insurance company.

      
    Unlimited MSRP Value 

    Unlimited MSRP Value

    CDW & PAP provided by Globe have no coverage ceiling for the value of the vehicle.

    Credit Cards have a limited ceiling car MSRP (Manufacturer’s Suggested Retail Price).  This means if your credit card covers you for maximum of $35,000 and actual value of rented vehicle is $42,000 then you will be required to pay the difference from your own pocket.

    Personal Car Insurance also has a limitation based on the value of your personal car.  So, if the rented vehicle has a higher value (different class) than your own car, any difference in loss value may fall on the driver.

      
    Additional Drivers Coverage 

    Additional Drivers Coverage

    CDW & PAP provided by Globe applies to all drivers named on the contract.

    Credit Cards may or may not cover additional drivers. Please verify with your credit card company.

    Personal Car Insurance may or may not cover additional drivers, especially if they are not named on the policy.  Please verify with your personal car insurance company.

      
    SUV Rental Coverage 

    SUV Rental Coverage

    CDW & PAP provided by Globe covers all types of vehicles including all SUVs in its SUV rental fleet.

    Credit Cards may or may not cover rentals of SUV (4×4 vehicles).   Please verify with your credit card company.

    Personal Car Insurance some may not cover rentals of SUV (4×4 vehicles) unless your own personal vehicle is an SUV of a similar class, size and value. Please verify with your own insurance company.

      
    Collision Coverage 

    Collision Coverage

    CDW & PAP provided by Globe fully cover for various damage or theft to rental car.

    Credit Cards Coverage may vary – some have car rental collision coverage and some don’t.  It is the responsibility of the card holder to ensure the benefit is valid.  We assume no responsibility for the accuracy or the validity of credit card benefits.  This coverage is between you and the credit card company. Certain credit cards which may only have coverage in your country of residence and may not cover you abroad.  Also, some credit cards will not cover SUVs & 4X4.  It is important for you to verify with your credit card before renting a car.

    Personal Car Insurance must have a car replacement (also known as FAQ 27, QEF27, FEQ, etc) on your personal car policy for it to be valid.  For your protection, we require a copy of your policy at the time of rental showing car rental coverage option.  Please verify with your personal car insurance company.

       
    Theft Protection 

    Theft Protection

    CDW & PAP provided by Globe cover theft of all types of cars in its rental fleet.

    Credit Cards may or may not cover theft of car rentals.   Please verify with your credit card company.

    Personal Car Insurance may or may not cover theft of rental cars unless your own personal vehicle is similar class, size and value.  Please verify with your insurance company.

        
    Zero Increase to Your
    Personal Car Premium 

    Zero Increase to Your Personal Car Premium

    CDW & PAP don’t affect your yearly personal car insurance premiums in case of a claim.

    Credit Cards claims also do not affect your annual personal car insurance premiums.

    Personal Car Insurance claim is affected directly.  Claims on your own policy will reflect on your accident records and the number of claims on file.  This may result in a probable increase in premiums the following year and each subsequent year.

        
    Zero Deductible 

    Zero Deductible

    CDW & PAP combined together result in zero ($0) deductible on the rented vehicle in case of collision.  PAP also includes trip interruption. CDW without PAP limits your responsibility to the first $500 per incident.

    Credit Cards may or may not have deductible. Please verify with your credit card company.

    Personal Car Insurance does have deductibles ranging $250 to $3,000.  Some expensive policies do not have deductibles.  Please verify with your personal car insurance company.

       
    Tire Protection 

    Tire Protection

    PAP will pay or reimburse any cost resulting from a road hazard flat tires, punctured tires, curb damage and cuts.

    Credit Cards do not offer tire road hazard protection.

    Personal Car Insurance doesn’t offer tire road hazard protection.

      
    Windshield Protection 

    Windshield Protection

    PAP will pay or reimburse any cost resulting from a road hazard stone chip to the windshield or in case of a cracked windshield.  Unfortunately due to our harsh Canadian winter, we must replace a chipped or cracked windshield as repairing it will result in a fissure.

    Credit Cards may or may not cover damage to windshield.  Please verify with your credit card company.

    Personal Car Insurance may or may not cover damage to windshield.  If they do, there is a deductible. Please verify with your personal car insurance company.

      
    Emergency Roadside Service 

    Emergency Roadside Service

    PAP includes emergency roadside service in case you lock in your car keys, run out of gas, forgot the lights on, stuck in snow or experience a mechanical failure.  Simply call the number found in back of your car rental key tag.

    Credit Cards don’t offer emergency road side service to a rental car.

    Personal Car Insurance doesn’t offer emergency road side service to a car rental.

      
    Towing in Case of Accident 

    Towing in Case of Accident

    PAP includes towing in case you are involved in an accident and the rented car is non-drivable. We will pay towing fees at no charge to you.  Towing fees are exclusive on Canadian Roadways, meaning only the police can choose the towing company.  Towing fees of $750 are not unheard of when you consider dolly fees, mileage towed, etc.

    Credit Cards may or may not pay for towing.  Please verify with your credit card company.

    Personal Car Insurance may or may not pay for towing of rented car.  If they do, there is a deductible on the overall claim. Please verify with your personal car insurance company.

      
    Emergency Transportation
    (Taxi, Fares, etc…) 

    Emergency Transportation

    PAP includes trip interruption benefit in case you are involved in an accident or experience a mechanical failure. Globe will reimburse for any taxis, emergency transportation, fares up to $125 (inclusive of all fees and taxes).

    Credit Cards don’t offer trip interruption relating to car rental accident or delays.

    Personal Car Insurance doesn’t offer trip interruption relating to car rental accident or delays.

      
    Hotel Accommodation 

    Hotel Accommodation

    PAP includes reimbursement of hotel accommodation in case you are involved in an accident or experience a mechanical failure, which cannot be attended to within the same day.  Globe will reimburse you up to $125 for hotel expenses (inclusive of all fees and taxes).

    Credit Cards don’t offer hotel accommodation relating to car rental accident or delays.

    Personal Car Insurance doesn’t offer hotel accommodation relating to car rental accident or delays.

      
    Loss of Use 

    Loss of Use

    PAP exempts the renter and all additional drivers from any loss of rental income resulting from an accident while the vehicle is in the repair facility.

    Credit Cards may or may not cover loss of use.   Please verify with your credit card company.

    Personal Car Insurance does not offer coverage for loss of use.

      
    Personal Car Deductible Saver 

    Personal Car Deductible More info Saver

    Deductible Saver option provided by Globe applies strictly to those clients that choose to use their personal car insurance policy to cover a rental car in Montreal.  Deductible Saver option pays the deductible amount (up to $1,000) on their own insurance policy should there be a claim on the rented vehicle.

      
    Interior Damage of Rental Vehicle 

    Interior Damage of Rental Vehicle

    PAP coverage exonerates  the renter for unintentional damage caused to the interior of the rented vehicle, spillage of food or drink, or cigarette burns.  This coverage is limited to $400 (inclusive of all fees and taxes) per rental contract.

      
    Vehicle Personal Content Damage 

    Vehicle Personal Content Damage

    PAP coverage reimburses the renter for any damage of his/her personal belongings (including GPS & CELL) left in the rental vehicle.  This coverage is limited to $400 (inclusive of all fees and taxes) per rental contract. Some rules apply.

      
    Vehicle Personal Content Theft 

    Vehicle Personal Content Theft

    PAP coverage reimburses the renter for any theft of his/her personal belongings (including GPS & CELL) left in the rental vehicle. This coverage is limited to $400 (inclusive of all fees and taxes) per rental contract. Some rules apply.

      

    Purchase of CDW and/or PAP is not mandatory. However, satisfactory alternative proof of coverage is required.
    PAP = Practical Assistance Package   CDW
     = Collision Damage Waiver

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    Excellent service reçu avec Abdoulaye à la succursale Berri Village à Montréal! Je suis partie en vacances l’esprit tranquille, dans le confort d’un véhicule impeccable!!
    Reviewed by Roxane C. on 09/25/2021
    192 reviews | 4.37 out of 5
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