• Call us
    • Montreal: (514) 733-0988
    • Toronto: (416) 900-5944
    • Canada & USA: 1 (866) 504-5623
    • France & Europe: 00-331-8288-0494
    • Text message: (514) 500-8424
  • Company
    • Rentals via Kiosk
    • Rental Agreement Sample
    • Careers
    • Going Green
  • English
    • Français
    • Español
Proudly Québecer
Globe Car Trucks Rental
  • MANAGE RESERVATION
    Back to menu
    • Make a payment
    • Make a reservation
    • Online Check-In
    • View
    • Modify
    • Cancel
  • ABOUT
    Back to menu
    • reviews_menuReviewsReal car rental reviews left by our many satisfied clients
    • why_globe_menuWhy Globe?Globe is about moving people in new, clean and exciting cars with Free GPS & Free Roadside Assistance
    • sharing_vs_rental_menuCar Rental VS Car SharingGet real insights and facts about which car rental option is cheaper and better for you
  • VEHICLES
    Back to menu
    • allvehiclesALL VEHICLESSee all our affordable cars, trucks, SUV’s, pickups, 4X4’s and Luxury car rental
    • carsCARSLarge variety of new, clean and safe cars – always current year models.
    • suvsSUVSNeed a bigger vehicle or more space? Select from our large range of new SUVs
    • trucksTRUCKSWe have offer Truck Rentals from Transit Vans, Econoline, 16 Foot Cube, and Vans to rent.
  • TRUCKS
    Back to menu
    • truck_rentals_menuTRUCK RENTALSAll size trucks, vans, moving trucks and pickups starting from $37.95/day.
    • truck_comparison_menuCOMPARISONCompare our trucks side by side!
  • LOCATIONS
  • COVERAGE
  • HELP
    Back to menu
    • faqFAQFind quick answer to all your car rental questions
    • claimsClaimsWe make accident claims easy and help you from A to Z
    • road-assistanceRoadside AssistanceGlobe offers Roadside Assistance for Free – A $12.95/day value
    • contactContact UsStill have questions, you can contact us by email, chat or phone
  • BOOK NOW
  • MORE
    Back to menu
    • ADDITIONAL SERVICES
      Back to menu
      • Car Seats
      • FREE GPS
      • FREE Roadside Assistance
      • Going to USA
      • Prepaid Fuel
      • Unlimited Mileage
      • Young Driver
    • WHY GLOBE?
      Back to menu
      • 8 Promises we live by
      • We save you money
      • Customer Satisfaction
      • Smoke Free Vehicles
      • Extended Business Hours
      • Price Match Guarantee
      • 1hr Late Return
      • Night Dropoff
      • FREE Shuttle
      • FREE $5M Liability Coverage
    • MANAGE RESERVATION
      Back to menu
      • Make a payment
      • Make a reservation
      • Online Check-in
      • View
      • Modify
      • Cancel
  • COMPANY
    Back to menu
    • Kiosk
    • Rental Agreement Sample
    • Careers
    • Going Green
  • ADDITIONAL SERVICES
    Back to menu
    • Additional Drivers
    • Car Seats
    • Free GPS
    • Free Roadside Assistance
    • Going to USA
  • Français
  • Español

  • Call us Email us
Home / Car Rental Coverage / Your Own Insurance

Should I buy Globe’s coverage
or use my own insurance?

Accidents do happen. And we see lots of them. Below are 2 types of cover that allow you to opt out of insurance / coverage offered by the rental company. Beware that we have seen holidays ruined due clients not having the proper coverage. This is why we dedicated many efforts to provide transparent information so our clients are aware of the risks when they decline Globe Coverage.

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

Credit Card Coverage

This coverage works with some credit cards while not with others. Even the ones that do, they have limitations. For example: we have seen an AMEX Platinum Card from USA not cover an accident in Canada! The renter was shocked as he had to pay $6,000 for damages when he was adamant that AMEX covered him.

Another example are some credit cards only cover you as secondary insurance. This means if you own a car in your home city, you must file with your personal car insurance policy first!

Other limitations depending on the card:

No cover for additional drivers
No cover for SUVs
No cover if you pay any amount cash, must use card to pay full balance
No cover if you go over your credit limit or miss monthly payments
For a full list of potential issues see here.

Personal Car Insurance

This coverage (available on some insurance policies but not all) allows you to transfer the protection of your personal car onto your rental car. This is intended, by most underwriters, to cover the car rental while your vehicle is in the repair shop or grounded in your garage.  

Potential problems arise if your own car is being driven by someone else (spouse, family members, etc…) while you are driving the rented car. Should a major accident happen and result in an investigation showing both cars were on the road at the same time can lead to denial of claim. Worst, is if both cars have separate accidents on the same day, or both hitting each other in the garage or at home!

Key Points Most Renters Are Unaware Of:

Claims are recorded: A claim on the rented car is exactly like a claim on your own car.  It goes on your record. Not so if you chose Globe coverage 🙂
Insurance premium increase: Subsequent claims will almost always result in insurance premiums going up the following year and every year thereafter!
Deductibles: Unless you opt in for Globe’s PAP (Practical Assistance Package), any deductible when you are at fault will be from your own pocket. So if a rock flies off the highway and makes a small chip or crack on the windshield, your deductible comes in play – most people simply pay out of pocket to avoid making a claim!

So, avoid these risks and get peace of mind with Globe’s coverage. You won’t regret it.

question_banner

Have a question?

Find easy answers
More reviewsWrite Review

Our locations

  • Downtown Paris
    Champs-Élysées

    10 Rue du Colisée
    Paris 75008
    33 1 82 88 04 94
    1866-504-5623
    More
  • Montreal South Shore
    St-Constant

    320 Rte 132
    Suite 101,
    St-Constant J5A 1M3
    (450) 845-9908
    More
  • Downtown Montreal
    Berri-UQAM / Gay Village

    845 Rue Sainte-Catherine E.
    Montréal H2L 2E4
    (514) 447-5991
    1-866-504-5623
    More
  • Mont-Royal
    Metro Namur (Decarie Hwy)

    5653 Paré St, #100
    Mont-Royal H4P 1S1
    (514) 733-0988
    1-866-504-5623
    More
  • Montreal Airport
    P-E Trudeau (YUL)

    975 Boul. Roméo-Vachon N.
    US Departures (Door 7),
    Dorval H4Y 1H1
    (514) 735-5797
    1-866-504-5623
    More
  • Villeray
    Little Italy

    7200 Boul. Saint-Laurent
    Montréal H2R 2X9
    (514) 270-1771
    1866-504-5623
    More
  • Downtown Montreal
    Atwater (The Forum)

    2313 Rue Sainte-Catherine O.
    Montréal H3H 1N2
    (514) 904-1605
    1866-504-5623
    More

Our car rental branches are spread out in key locations across Montreal, including two in the downtown area near Atwater and Berri-UQAM metro stations, close to landmarks such as Atwater Market and the Quartier des Spectacles; one in Little Italy / Villeray, accessible by De Castelnau metro; and one at Pierre-Elliott-Trudeau Airport (YUL) in Dorval for travelers. The Mont-Royal / Décarie branch, near Namur, serves the Town of Mount Royal, Hampstead, and surrounding areas. For the south shore, we are located in Saint Constant, near Brossard.

  • Reservations
    • Car Rental Reservation
    • Truck & Van Rental
    • 4X4 / SUV Rental
    • Daily Car Rental
    • Insurance Replacement
    • Weekly Car Rental
    • Monthly Car Rental
    • Corporate Car Rental
    • Online Check-in
    • Car Rental Coverage
    • Modify Reservation
  • About Globe
    • Our Vehicles
    • Our Promises
    • We Save You Money
    • Price Match Guarantee
    • Car Rental Vs Car Sharing
    • Kiosk Rental Solution
    • Car Rental Reviews
    • Car Rental Testimonials
    • Sign Up For Newsletter
    • Careers
    • FAQ – Get Answers
    • Roadside Assistance
    • Claims
  • Car Rental Deals
    • Long Term Rental
    • Cheapest On Weekdays
    • Weekend Rentals
    • Winter Car Rentals
    • Free GPS with Rental
    • Free Roadside Assistance
    • Free Liability Coverage
    • Unlimited Mileage
    • Pre-Paid Fuel
    • Become VIP
    • Young Drivers
    • Shuttle – Get Pick Up
    • Buy A Car
    • Contact Us
  • Sitemap
  • Terms Of Use
  • My Privacy Choices
  • Privacy policy
  • Cookie policy
© Globe Car Rental Inc.2025 Made with in Montreal
    X
  • Montreal: (514) 733-0988
  • Toronto: (416) 900-5944
  • Canada & USA: 1 (866) 504-5623
  • France & Europe: 00-331-8288-0494
  • SMS: (514) 500-8424