Understanding ICBC Options for Personal and Commercial Rentals:
Renting a truck? You need Reliance Insurance
Renting a truck? Make sure you’re covered
Whether you’re planning a weekend escape or renting a commercial truck for business, having the right insurance coverage isn’t just smart, it’s essential. In British Columbia, ICBC offers a variety of rental vehicle coverage options designed to protect you when you travel or work across Canada and the U.S., including Alaska and Hawaii.
Let’s explore what’s available, what to watch for, and how to make sure you’re covered with confidence.
ICBC Rental Vehicle Coverage: What’s Included?
This stand-alone Rental Vehicle Policy is a flexible, short-term solution available for $10 per day (minimum 2-day purchase). It includes:
Collision and Comprehensive – $300 Deductibles
Enhanced Accident Benefits – including medical and personal expenses, income replacement, care and recovery
Loss of Use – Daily limit of $25 and total limit of $250
Underinsured Motorist Protection – $1,000,000 limit per insured person
This coverage applies to rentals, garage courtesy cars and peer-to-peer car rental platforms like Turo for up to 30 days. Eligible vehicles include passenger cars, motorhomes, motorcycles, trailers, and commercial vehicles under 5,000 kg GVW, with a rental cost not exceeding $300 CAD or $250 USD.
It’s ideal for those who don’t have RoadStar or Roadside Plus coverage and want temporary protection.
RoadStar and Roadside Plus: Built-In Coverage for Frequent Travellers
If you rent vehicles often, ICBC’s optional packages offer built-in rental coverage across North America:
RoadStar: has $1 million TPL, Collision & Comprehensive $300 deductibles
Roadside Plus: provides $2 million TPL, Collision & Comprehensive $300 deductibles
At Reliance Insurance – Choice Matters
We’re happy to offer private optional auto coverage thru Family Insurance Autocover. With similar packages available, it’s a smart move to compare coverage and pricing with us.
Want to Explore Your Options?
Contact Reliance Insurance or visit us in Burnaby to learn more about how rental vehicle coverage can work for you.
Rental Company Insurance: Convenient but Costly
Most rental companies offer insurance at the counter or during booking. While convenient, these options are often more expensive than ICBC or private insurance alternatives. If you plan, you can save significantly while still getting solid protection.
Credit Card Coverage: Proceed with Caution
Many credit cards offer rental vehicle insurance, but this coverage can come with significant limitations:
Third-party liability may not be included
Caps on the value of the rental vehicle
Strict eligibility rules, such as requiring the rental to be charged to the card and booked under the cardholder’s name
