Car Coverage

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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 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

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

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

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.