Travelling with your Visa Card - Collision/Loss Damage Insurance

Third-Party Liability.

Third-party liability is NOT covered by the Visa Collision/Loss Damage Insurance program. Automobile third-party liability is liability imposed by law for loss or damage arising from the use or operation of a rented vehicle that results in bodily injury or death to any person or damage to property. Without insurance protection, the third-party may sue the driver for damages. In some countries, notably in the United States, these costs may impose a significant financial burden.

Third-Party Liability when renting in Canada or the United States

There are two ways to obtain third-party liability coverage:

1. You own a car and have personal auto insurance

If you own a car, you should confirm that you have sufficient coverage through your personal automobile insurance policy. If you are unsure, please check with your insurance agent or broker before leaving on your trip.

Your Canadian third-party liability coverage likely applies to any vehicle you drive in Canada and the United States.

This coverage may only be valid for car rentals in Canada and the United States. Conditions may apply to international rentals.

If your personal auto insurance policy does not provide sufficient third-party liability coverage, it is recommended that you purchase additional coverage either from the rental agency or from a local insurance agent or broker before leaving on your trip.

2. You do not own a car and have no personal auto insurance

If you do not own an automobile, it is recommended that you purchase third-party liability coverage either from the rental agency or from a local insurance agent or broker before leaving on your trip.

Back to topBack to top

Canadian Provinces with No-Fault Insurance

Saskatchewan, Manitoba and Quebec have no-fault insurance. This means no driver is deemed responsible for insurance purposes and victims cannot sue individuals for damages when accidents occur in these provinces.

Ontario has limited no-fault insurance, which permits litigation in some cases. For more information, talk to your insurance agent or broker.

No-fault insurance protects against liability for third-party injury or death, caused by automobile accidents, within those provinces, but not against property damage. Therefore, if you reside in a no-fault province, ensure you have adequate coverage before renting a vehicle in another province. If you have personal auto insurance, contact your insurance agent or broker to make sure you have sufficient third-party liability coverage.

Third-Party Liability When Renting Internationally

Your personal auto insurance may not protect you against third-party liability on car rentals outside Canada and the United States. You should ensure you have international third-party liability coverage when you rent a vehicle abroad. You may wish to purchase it from the car rental agency at the time of rental, or from your insurance agent or broker before you leave.

To avoid unpleasant surprises regarding insurance coverage abroad, you should learn about your responsibilities in the event of an accident involving property damage or accidental injury or death, and the costs of purchasing insurance to cover you for this well in advance of your trip.

Overview of CLDI Coverage
Personal Effects


Complete terms and conditions, including exclusions and limitations, are set out in the Certificate of Insurance.

Back to topBack to top
Insurance tips
Certificates of Insurance