So I saw this article
https://globalnews.ca/news/8086067/c...olicy-warning/
And then I realized I've rented pickup trucks before and mistakenly thought my credit card would cover me, when it in fact would have not.
So I looked at my visa insurance agreement in detail and it says:
Quote:
The following vehicles are NOT covered:
1. Vans, cargo vans or mini cargo vans (other than mini-vans);
2. Trucks, pick-up trucks or any vehicle that can be spontaneously reconfigured into a pickup truck);
3. Limousines;
4. Off-road vehicles – meaning any vehicle used on roads that are not publicly maintained
roads unless used to ingress and egress private property;
5. Motorcycles, mopeds or motor bikes;
6. Trailers, campers, recreational vehicles or vehicles not licensed for road use;
7. Vehicles towing or propelling trailers or any other object;
8. Mini-buses or buses;
9. Any vehicle with a Manufacturer’s Suggested Retail Price (MSRP) excluding all taxes, over sixty-five thousand dollars Canadian ($65,000 CDN);
10. Exotic vehicles, meaning vehicles such as Aston Martin, Bentley, Bricklin, Daimler,
DeLorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus, Maserati, Porsche, Rolls Royce;
11. Any vehicle which is either wholly or in part hand made, hand finished or has a limited
production of under two thousand, five hundred (2,500) vehicles per year;
12. Antique vehicles, meaning a vehicle over twenty (20) years old or which has not been
manufactured for ten (10) years or more; and
13. Tax-free cars.
Luxury vehicles, including but not limited to BMW, Cadillac, Lincoln and Mercedes Benz, are
covered as long as they meet the above requirements.
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Re: point 9, a few times I've walked up to the counter and they've upgraded me to a BMW, Land Rover, etc. How am I supposed to know whether the MSRP of the vehicle is below $65k? Do they have that information at the counter if I ask? I feel like I've dodged many bullets with my previous rentals while thinking all the while I was covered.
Anyways I'm posting this here for others in case it helps knowing what your credit card excludes more or less, YMMV.