Does credit-card rental collision coverage replace third-party liability insurance?

Do not assume it does. Certificates can exclude third-party liability, personal injury and damage to other property. Confirm those protections separately with the insurer and rental agency.

Can Bremo confirm that my rental is insured?

No. Only the current certificate, insurer and rental agency can confirm how the policy applies to a specific rental.

Does the checklist send my rental details?

No. The answers and entered cost assumptions stay in the browser; only bounded stage names are recorded.

Rental Car Credit Card Coverage Checklist Canada

Certificate-first checklist

Close every coverage gap.

Answer “confirmed” only when the current certificate or insurer resolves the question for this exact rental. The tool produces a call checklist, not an insurance decision.

Current certificate for your exact cardProduct pages summarize; the certificate governs.

Renter named on the agreement

Permitted payment method

Rental-agency CDW/LDW decision

Complete rental duration

Vehicle class and original value

Country/territory

Every additional driver

Third-party liability and personal injuryCollision/loss protection may not cover injuries or damage to other people/property.

Entered-cost comparison

Use your quote—not invented savings.

Enter the rental agency's actual daily waiver quote and the card's current annual fee. Other annual value must be value you would genuinely use without this rental.

Rental days

Quoted waiver cost per day

Card annual fee

Other annual value you will useDo not enter promotional value you would not otherwise use.

Entered agency-waiver cost—

Entered net annual card cost—

This arithmetic does not price liability protection, deductibles, exclusions, claim risk, interest or the cost of carrying a balance.

Primary sources

Read the contract you actually have.

These issuer and government links are starting points. Products and certificates can change; match the product name and effective date to your card.

Financial Consumer Agency of CanadaHow policies define risks, circumstances and benefits. American Express Platinum insuranceIssuer page and current certificate access. Scotiabank Passport Visa Infinite + certificateCurrent issuer certificate located August 14, 2026. TD First Class Travel Visa Infinite certificateIssuer coverage guide and conditions. RBC Avion Visa Infinite certificateIssuer certificate; confirm it matches your card version.

Collision is not everything.
Confirm third-party liability, personal injury, personal belongings, roadside costs, administrative fees and loss of use separately.

A card can still be poor value.
Interest, annual fees and unused benefits can exceed an entered waiver quote. Pay the balance in full and compare complete costs.

Need to compare card value?

Only after identifying a genuine coverage gap, use Bremo's owned rewards-card guide to compare annual cost and benefits. It does not confirm insurance or approval.

Open the rewards-card cost guide