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Q. Am I covered if I’m driving a rental car?

Q. Am I covered if I’m driving a rental car?

It isn’t a guarantee that rental car coverage is included in your policy, but there are two types of coverages you can add to your policy:

  • If your vehicle is in the garage for repairs because of a claim made under the physical damage portion of your policy, something called ”transportation replacement coverage” will provide you with a rental car. You choose the amount, typically around $1,200 to $1,500. If your car required three weeks of repairs, and you commute 20KM each way to work, how would you get to and from work? You could be looking at $100 to $200 per week for transportation replacement, depending on make, location and number of days required
  • The aha insurance 20/27 bundle provides you with physical damage coverage (collision and comprehensive coverage) for you and your spouse, including all listed drivers on your policy, in the event of loss or damage to all rented and non-owned vehicles within North America

The bundle is a package that includes both coverages:

  • OPCF 20- In the event your vehicle is in an accident, this coverage provides you with a rental car while your car is being repaired
  • OPCF 27- Extends coverage from your automobile policy to a rental car so that you do not have to purchase physical damage coverage from a rental car company

Still have questions? Take a look at these.

What does the liability section of my auto policy cover?

Liability insurance is another way of saying financial protection for you and your family. If you cause an accident that results in an injury to another person or damage to property, your liability insurance covers the financial cost (up to your limit) of making...

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Am I covered if someone else is driving my car?

You are, as long as the person driving has a valid driver’s license. Remember, though, that when you lend your vehicle, you’re lending your insurance. If they get in an accident while driving your vehicle, then that accident would be rated for on your policy.

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Q. Not sure what you’re covered for?

Login to myaccount.ahainsurance.ca and review the details listed under My Policies and Important Docs. And if you still have questions, give us a call at 1 (855) 242‑2440 to speak to an aha insurance broker.

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What should I do if I’m in a car accident?

The first thing you should do is pull off the road as soon as possible, if you can do so safely. Once you’re safely off the road: Notify the police if anyone has been injured or damage to both vehicles is more than $2,000. That’s the combined damage, so it doesn’t...

read more

Am I covered if someone else is driving my car?

You are, as long as the person driving has a valid driver’s license. Remember, though, that when you lend your vehicle, you’re lending your insurance. If they get in an accident while driving your vehicle, then that accident would be rated for on your policy.

read more

Q. Not sure what you’re covered for?

Login to myaccount.ahainsurance.ca and review the details listed under My Policies and Important Docs. And if you still have questions, give us a call at 1 (855) 242‑2440 to speak to an aha insurance broker.

read more

What should I do if I’m in a car accident?

The first thing you should do is pull off the road as soon as possible, if you can do so safely. Once you’re safely off the road: Notify the police if anyone has been injured or damage to both vehicles is more than $2,000. That’s the combined damage, so it doesn’t...

read more

How much coverage I need for my car?

If you own a vehicle in Ontario, you are required by law to, at the very least, purchase the following automobile insurance coverage: Third-party liability coverage: Protects you when someone is injured or killed, or property is...

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Q. How are my auto premiums calculated?

In a nutshell, our insurance carrier’s determine the likelihood of you making a claim in the future. And they determine this likelihood by looking at a bunch of specific data and information about you and your risk. This information includes: Where you live and where...

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