{"id":919,"date":"2017-09-01T14:22:36","date_gmt":"2017-09-01T18:22:36","guid":{"rendered":"https:\/\/www.globecar.com\/?page_id=919\/"},"modified":"2025-04-21T11:37:19","modified_gmt":"2025-04-21T15:37:19","slug":"car-rental-coverage","status":"publish","type":"page","link":"https:\/\/www.globecar.com\/en\/car-rental-coverage\/","title":{"rendered":"Car Rental Coverage"},"content":{"rendered":"

[vc_row is_header=”true”][vc_column width=”1\/2″][vc_column_text]<\/p>\n

Car Coverage<\/h1>\n

The key to your peace of mind!<\/h2>\n

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<\/a> 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!![\/vc_column_text][\/vc_column][vc_column width=”1\/2″][vc_single_image image=”1002″ img_size=”full” alignment=”right”][\/vc_column][\/vc_row][vc_row][vc_column][vc_wp_custommenu nav_menu=”2428″][\/vc_column][\/vc_row][vc_section is_container=”true”][vc_row][vc_column][vc_column_text css=””]<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\n

Car Coverage
\nDetails<\/h3>\n<\/td>\n

\n

Best\u00a0<\/i><\/span>

Best: CDW + PAP + PEC ($0 Deductible)<\/h4>

Best Choice!<\/strong>\u00a0This coverage is total peace of mind.\u00a0 No claims, no forms, no hassles with your credit card company. Simply walk-away. And better yet, $0 Deductible and includes trip interruption benefits.<\/p>\n<\/div><\/div><\/h3>\n

\n

CDW + PAP
\n($0 Deductible)<\/p>\n<\/div>\n<\/td>\n

\n

Better\u00a0<\/i><\/span>

Better: CDW ($500 Deductible)<\/h4>

CDW<\/strong>\u00a0(Collision Damage Waiver) is coverage for the rented vehicle in case of damage or theft. This saver is the lowest cost coverage available.<\/p>\n<\/div><\/div><\/h3>\n

\n

\u00a0CDW
\n($500 Deductible,
\n$1000 for Trucks)<\/p>\n<\/div>\n<\/td>\n

\n

Good\u00a0<\/i><\/span>

Good: Credit Card Coverage + PAP<\/h4>

Credit Card + PAP<\/strong>\u00a0(Protection Assistance Plus) is a hybrid coverage.\u00a0 PAP\u00a0is an add-on to\u00a0cover many items including\u00a0trip interruption to your basic credit card coverage.<\/p>\n<\/div><\/div><\/h3>\n

\n

Credit Card
\nCoverage + PAP<\/p>\n<\/div>\n<\/td>\n

\n

So-So\u00a0<\/i><\/span>

So-So: Credit Card Coverage<\/h4>

Credit Card<\/strong>\u00a0alone is risky business! Some may cover the\u00a0rented car\u00a0but has many conditions and limitations.\u00a0 In the event of a claim being denied by the credit card company, then renter will be personally responsible for all damages or theft.<\/p>\n<\/div><\/div><\/h3>\n

\n

Credit Card
\nCoverage<\/p>\n<\/div>\n<\/td>\n

\n

Not Good\u00a0<\/i><\/span>

Not Good: Insurance Via Personal Car Policy<\/h4>

Personal Car Insurance –<\/strong>\u00a0the\u00a0biggest 2\u00a0problems with using your own personal insurance car coverage for the rented car:
\n1) Any claim will result in a claim as if it was your own vehicle,
\n2) Insurance premium increases; and that is every year thereafter,
\nLimitations, deductibles, etc\u2026 will all follow to the rented car.\u00a0 Any short fall will be the reasonability of the driver.<\/p>\n<\/div><\/div><\/h3>\n

\n

Insurance Via
\nPersonal Car Policy<\/p>\n<\/div>\n<\/td>\n<\/tr>\n

Hassle-Free Walk-Away <\/i><\/span>

Hassle-Free Walk-Away<\/h4>

CDW\u00a0<\/strong>(Collision Damage Waiver) provided by Globe is a hassle-free walk-away coverage.\u00a0 This is the best choice of coverage because it exonerates your responsibility in the event of a collision regardless of fault.\u00a0 Note: you will be subject to $500 deductible unless you choose PAP package which reduces your responsibility to $0.<\/p>\n

Credit Cards\u00a0<\/strong>require lengthy claims form, about a dozen supporting documents and average 6 months to settle.<\/p>\n

Personal Car Insurance\u00a0<\/strong>requires you to open a claim directly with your car rental insurance company; similar if you had the accident with your own car.\u00a0 You will be also liable for the deductible and risk insurance premium increase the following year (and every year after that).<\/p>\n<\/div><\/div><\/td>\n

<\/i><\/td>\n\u00a0<\/i><\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Unlimited Rental Days\u00a0<\/i><\/span>

Unlimited Rental Days<\/h4>

CDW\u00a0&\u00a0PAP\u00a0<\/strong>have no rental duration limit.<\/p>\n

Credit Cards<\/strong>\u00a0have time-frame limitations ranging from 28 to 48 days.\u00a0 This may result in a claim rejection from your credit card company should you not fall within their criteria.<\/p>\n

Personal Car Insurance<\/strong>\u00a0varies from policy to policy, province to province.\u00a0 Please verify with your personal car insurance company.<\/p>\n<\/div><\/div><\/td>\n

\u00a0<\/i><\/td>\n\u00a0<\/i><\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Unlimited MSRP Value\u00a0<\/i><\/span>

Unlimited MSRP Value<\/h4>

CDW & PAP\u00a0<\/strong>provided by\u00a0Globe have no coverage ceiling for the value of the vehicle.<\/p>\n

Credit Cards<\/strong>\u00a0have a limited ceiling car MSRP\u00a0(Manufacturer’s Suggested Retail Price).\u00a0 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.<\/p>\n

Personal Car Insurance<\/strong>\u00a0also has a limitation based on the value of your personal car.\u00a0 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.<\/p>\n<\/div><\/div><\/td>\n

\u00a0<\/i><\/td>\n\u00a0<\/i><\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Additional Drivers Coverage\u00a0<\/i><\/span>

Additional Drivers Coverage<\/h4>

CDW & PAP\u00a0<\/strong>provided by\u00a0Globe applies to all drivers named on the contract.<\/p>\n

Credit Cards<\/strong>\u00a0may or may not cover additional drivers. Please verify with your credit card company.<\/p>\n

Personal Car Insurance<\/strong>\u00a0may or may not cover additional drivers, especially if they are not named on the policy.\u00a0 Please verify with your personal car insurance company.<\/p>\n<\/div><\/div><\/td>\n

\u00a0<\/i><\/td>\n\u00a0<\/i><\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
SUV Rental\u00a0Coverage\u00a0<\/i><\/span>

SUV Rental Coverage<\/h4>

CDW & PAP\u00a0<\/strong>provided by Globe covers all types of vehicles including all SUVs in its SUV rental fleet.<\/p>\n

Credit Cards\u00a0<\/strong>may or may not cover rentals of SUV (4×4 vehicles).\u00a0\u00a0 Please verify with your credit card company.<\/p>\n

Personal Car Insurance<\/strong>\u00a0some may not cover rentals of SUV (4×4 vehicles)\u00a0unless your own personal vehicle is an SUV of a similar class, size and value. Please verify with your own insurance company.<\/p>\n<\/div><\/div><\/td>\n

\u00a0<\/i><\/td>\n\u00a0<\/i><\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Collision Coverage\u00a0<\/i><\/span>

Collision Coverage<\/h4>

CDW & PAP<\/strong>\u00a0provided by Globe fully cover for various damage or theft to rental car.<\/p>\n

Credit Cards Coverage\u00a0<\/strong>may vary – some have car rental collision coverage and some don\u2019t.\u00a0 It is the responsibility of the\u00a0card holder\u00a0to ensure the benefit is\u00a0valid.\u00a0 We assume no responsibility\u00a0for the accuracy or the validity of credit card benefits.\u00a0 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.\u00a0 Also, some credit cards will not cover SUVs & 4X4.\u00a0 It is important for you to verify with your credit card before renting a car.<\/p>\n

Personal Car Insurance\u00a0<\/strong>must have a car replacement (also known as FAQ 27, QEF27, FEQ, etc) on\u00a0your personal car\u00a0policy for it to be valid.\u00a0 For your protection, we require a copy of your policy at the time of rental showing car rental coverage option.\u00a0 Please verify with your personal car insurance company.<\/p>\n<\/div><\/div><\/td>\n

\u00a0<\/i><\/td>\n\u00a0<\/i><\/td>\n\u00a0<\/i><\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Theft Protection\u00a0<\/i><\/span>

Theft Protection<\/h4>

CDW &\u00a0PAP<\/strong>\u00a0provided by Globe cover theft of all types of\u00a0cars in its rental fleet.<\/p>\n

Credit Cards<\/strong>\u00a0may or may not cover theft of car rentals.\u00a0\u00a0 Please verify with your credit card company.<\/p>\n

Personal Car Insurance<\/strong>\u00a0may or may not cover theft of rental cars unless your own personal vehicle is similar class, size and value.\u00a0 Please verify with your insurance company.<\/p>\n<\/div><\/div><\/td>\n

\u00a0<\/i><\/td>\n\u00a0<\/i><\/td>\n\u00a0<\/i><\/td>\n\u00a0<\/i><\/td>\n<\/td>\n<\/tr>\n
Zero Increase to Your
\nPersonal Car Premium\u00a0<\/i><\/span>

Zero Increase to Your Personal Car Premium<\/h4>

CDW &\u00a0PAP\u00a0<\/strong>don\u2019t affect your yearly personal car insurance premiums in case of a claim.<\/p>\n

Credit Cards<\/strong>\u00a0claims also do not affect your annual personal car insurance premiums.<\/p>\n

Personal Car Insurance<\/strong>\u00a0claim\u00a0is affected directly.<\/u>\u00a0 Claims on your own policy will reflect on your accident records and the number of claims on file.\u00a0 This may result in a\u00a0probable increase in premiums the following year and each subsequent year.<\/p>\n<\/div><\/div><\/td>\n

\u00a0<\/i><\/td>\n\u00a0<\/i><\/td>\n\u00a0<\/i><\/td>\n\u00a0<\/i><\/td>\n<\/td>\n<\/tr>\n
Zero Deductible\u00a0<\/i><\/span>

Zero Deductible<\/h4>

CDW\u00a0&\u00a0PAP<\/strong>\u00a0combined\u00a0together\u00a0result in\u00a0zero ($0)\u00a0deductible on the rented vehicle in case of collision.\u00a0 PAP also includes trip interruption.\u00a0CDW\u00a0without PAP limits\u00a0your responsibility to the first $500 per incident.<\/p>\n

Credit Cards<\/strong>\u00a0may or may not have deductible. Please verify with your credit card company.<\/p>\n

Personal Car Insurance\u00a0<\/strong>does have deductibles ranging $250 to $3,000.\u00a0 Some expensive policies do not have deductibles.\u00a0 Please verify with your personal car insurance company.<\/p>\n<\/div><\/div><\/td>\n

\u00a0<\/i><\/td>\n<\/td>\n\u00a0<\/i><\/td>\n\u00a0<\/i><\/td>\n<\/td>\n<\/tr>\n
Tire Protection\u00a0<\/i><\/span>

Tire Protection<\/h4>

PAP<\/strong>\u00a0will pay or reimburse any cost resulting from a road hazard flat tires, punctured tires, curb damage and cuts.<\/p>\n

Credit Cards\u00a0<\/strong>do not offer tire road hazard protection.<\/p>\n

Personal Car Insurance<\/strong>\u00a0doesn\u2019t offer tire road hazard protection.<\/p>\n<\/div><\/div><\/td>\n

\u00a0<\/i><\/td>\n<\/td>\n\u00a0<\/i><\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Windshield Protection\u00a0<\/i><\/span>

Windshield Protection<\/h4>

PAP\u00a0<\/strong>will pay or reimburse any cost resulting from a road hazard stone chip to the windshield or\u00a0in\u00a0case of a\u00a0cracked\u00a0windshield.\u00a0 Unfortunately due to our harsh Canadian winter, we must replace a chipped or cracked windshield as repairing it will result in a fissure.<\/p>\n

Credit Cards\u00a0<\/strong>may or may not cover damage to windshield.\u00a0 Please verify with your credit card company.<\/p>\n

Personal Car Insurance<\/strong>\u00a0may or may not cover damage to windshield.\u00a0 If they do, there is a deductible. Please verify with your personal car insurance company.<\/p>\n<\/div><\/div><\/td>\n

\u00a0<\/i><\/td>\n<\/td>\n\u00a0<\/i><\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Emergency Roadside Service\u00a0<\/i><\/span>

Emergency Roadside Service<\/h4>

PAP\u00a0<\/strong>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.\u00a0 Simply call the number found in back of your car rental key tag.<\/p>\n

Credit Cards\u00a0<\/strong>don\u2019t offer emergency road side service to a rental car.<\/p>\n

Personal Car Insurance<\/strong>\u00a0doesn\u2019t offer emergency road side service to a car rental.<\/p>\n<\/div><\/div><\/td>\n

\u00a0<\/i><\/td>\n<\/td>\n\u00a0<\/i><\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Towing in Case of Accident\u00a0<\/i><\/span>

Towing in Case of Accident<\/h4>

PAP<\/strong>\u00a0includes 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.\u00a0 Towing fees are exclusive on Canadian Roadways, meaning only the police can choose the towing company.\u00a0 Towing fees of $750 are not unheard of when you consider dolly fees, mileage towed, etc.<\/p>\n

Credit Cards\u00a0<\/strong>may or may not pay\u00a0for\u00a0towing.\u00a0 Please verify with your credit card company.<\/p>\n

Personal Car Insurance<\/strong>\u00a0may or may not pay for towing of rented\u00a0car.\u00a0 If they do, there is a deductible on the overall claim. Please verify with your personal car insurance company.<\/p>\n<\/div><\/div><\/td>\n

\u00a0<\/i><\/td>\n<\/td>\n\u00a0<\/i><\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Emergency Transportation
\n(Taxi, Fares, etc…)\u00a0<\/i><\/span>

Emergency Transportation<\/h4>

PAP\u00a0<\/strong>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).<\/p>\n

Credit Cards<\/strong>\u00a0don\u2019t offer trip interruption relating to car rental accident or delays.<\/p>\n

Personal Car Insurance<\/strong>\u00a0doesn\u2019t offer trip interruption relating to car rental accident or delays.<\/p>\n<\/div><\/div><\/td>\n

\u00a0<\/i><\/td>\n<\/td>\n\u00a0<\/i><\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Hotel Accommodation\u00a0<\/i><\/span>

Hotel Accommodation<\/h4>

PAP<\/strong>\u00a0includes 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.\u00a0 Globe will reimburse you up to $125 for hotel expenses (inclusive of all fees and taxes).<\/p>\n

Credit Cards<\/strong>\u00a0don\u2019t offer hotel accommodation relating to car rental accident or delays.<\/p>\n

Personal Car Insurance\u00a0<\/strong>doesn\u2019t offer hotel accommodation relating to car rental accident or delays.<\/p>\n<\/div><\/div><\/td>\n

\u00a0<\/i><\/td>\n<\/td>\n\u00a0<\/i><\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Loss of Use\u00a0<\/i><\/span>

Loss of Use<\/h4>

PAP<\/strong>\u00a0exempts the renter and all additional drivers from any loss of rental income resulting from an accident while the vehicle is in the repair facility.<\/p>\n

Credit Cards\u00a0<\/strong>may or may not cover loss of use.\u00a0\u00a0 Please verify with your credit card company.<\/p>\n

Personal Car Insurance<\/strong>\u00a0does not offer coverage for\u00a0loss of use.<\/p>\n<\/div><\/div><\/td>\n

\u00a0<\/i><\/td>\n<\/td>\n\u00a0<\/i><\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Personal Car Deductible Saver\u00a0<\/i><\/span>

Personal Car Deductible More info Saver<\/h4>

Deductible Saver<\/strong>\u00a0option\u00a0provided by\u00a0Globe applies strictly to those clients that choose to use their personal car insurance policy to cover a rental car in Montreal.\u00a0 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.<\/p>\n<\/div><\/div><\/td>\n

\u00a0<\/i><\/td>\n<\/td>\n\u00a0<\/i><\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Interior Damage of Rental Vehicle\u00a0<\/i><\/span>

Interior Damage of Rental Vehicle<\/h4>

PAP<\/strong> coverage exonerates the renter for unintentional damage caused to the interior of the rented vehicle and spillage of food or drink.\u00a0 This coverage is limited to $400 (inclusive of all fees and taxes) per rental contract.<\/p>\n<\/div><\/div><\/td>\n

\u00a0<\/i><\/td>\n<\/td>\n\u00a0<\/i><\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Vehicle Personal Content Damage\u00a0<\/i><\/span>

Vehicle Personal Content Damage<\/h4>

PAP<\/strong>\u00a0coverage reimburses the renter for any damage of his\/her personal belongings (including GPS & CELL) left in the rental vehicle.\u00a0 This coverage is limited to $400 (inclusive of all fees and taxes) per rental contract.\u00a0Some rules\u00a0apply.<\/p>\n<\/div><\/div><\/td>\n

\u00a0<\/i><\/td>\n<\/td>\n\u00a0<\/i><\/td>\n<\/td>\n<\/td>\n<\/tr>\n
Vehicle Personal Content\u00a0Theft\u00a0<\/i><\/span>

Vehicle Personal Content Theft<\/h4>

PAP<\/strong>\u00a0coverage 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\u00a0apply.<\/p>\n<\/div><\/div><\/td>\n

\u00a0<\/i><\/td>\n<\/td>\n\u00a0<\/i><\/td>\n<\/td>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
\n

Purchase of CDW and\/or PAP is not mandatory. However, satisfactory alternative proof of coverage is required.
\nPAP\u00a0= Practical Assistance Package \u00a0 CDW<\/span> = Collision Damage Waiver<\/p>\n<\/div>\n

[\/vc_column_text][\/vc_column][\/vc_row][\/vc_section][vc_section][vc_row full_width=”stretch_row”][vc_column]\n\t\t

\n\t\t\t\"ready-to-drive\"\n\t\t\t

Ready to drive?<\/h3><\/div>Rent a vehicle<\/a>\t<\/div><\/div>[\/vc_column][\/vc_row][\/vc_section]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

[vc_row is_header=”true”][vc_column width=”1\/2″][vc_column_text] 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 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","jetpack_post_was_ever_published":false,"footnotes":""},"class_list":{"0":"post-919","1":"page","2":"type-page","3":"status-publish","5":"entry","6":"has-post-thumbnail"},"acf":[],"yoast_head":"\nCar Rental Coverage Explained | Globe Car & Truck Rentals in Montreal<\/title>\n<meta name=\"description\" content=\"Car Rental coverage options explained and easy to compare side by side. 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