ICBC Insurance for Car Rental
: ICBC Insurance for Car Rental | Coverage, Costs & Tips (2026)
: Learn how ICBC rental car insurance works in British Columbia — coverage details, optional packages like RoadStar and Roadside Plus, costs, limitations, and smart rental insurance tips.
Introduction
Renting a vehicle is exciting — whether it’s for a weekend getaway, business trip, or cross‑country adventure. But before you pick up those keys, understanding your insurance coverage is essential. If you’re in British Columbia (BC) and hold an ICBC (Insurance Corporation of British Columbia) policy, you may already have options to insure that rental vehicle without expensive add‑ons from the rental company. In this guide, we break down everything about ICBC rental car insurance in a clear, SEO‑friendly way.
What Is ICBC Rental Vehicle Coverage?
ICBC’s Rental Vehicle Coverage is an optional insurance product you can add to your existing policy or buy as a stand‑alone daily policy. It’s designed to protect you and your rented vehicle while you’re driving in Canada and the United States — including Alaska and Hawaii.
Key things to know:
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Scope: Covers rental vehicles used for personal or business purposes with a daily rate up to certain limits.
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Included protections:
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Third‑Party Liability (protects others if you’re at fault)
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Collision Coverage (damage to the rented vehicle)
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Comprehensive Coverage (non‑collision damage like theft or weather)
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Underinsured Motorist Protection
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Loss of Use (reimbursement for rental charges if the car can’t be used after a crash)
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Enhanced Accident Benefits
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This suite gives you coverage similar to what rental companies offer — often at a much lower cost.
ICBC Optional Packages: RoadStar & Roadside Plus
If you rent frequently, buying one‑off daily coverage may not be cost‑effective. ICBC offers optional packages that include rental car protection as part of a broader set of benefits:
RoadStar Package
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Adds rental car coverage along with other benefits for frequent drivers.
Roadside Plus Package
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Includes similar rental vehicle coverage but may offer higher limits on certain protections depending on your plan.
Both packages can save you money compared to purchasing insurance at the rental counter.
Cost of ICBC Rental Vehicle Insurance
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Standalone option: Typically around CAD $10 per day with a minimum premium applied — far cheaper than daily rental counter insurance.
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RoadStar/Roadside Plus: Annual packages that incorporate rental coverage — often more economical if you rent often.
Remember, rental companies may require a larger deposit if you decline their coverage and only show ICBC proof.
Where ICBC Rental Coverage Applies
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Canada & USA: Including Alaska and Hawaii.
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NOT covered: Mexico, Europe, Central America, Australia, etc. If you’re traveling outside North America, you’ll need additional travel or rental insurance.
How ICBC Rental Insurance Works With Other Coverage
If you have a personal vehicle insured under ICBC, you may already have liability coverage that extends to a rental vehicle — especially with optional add‑ons. However:
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If the rental has its own insurance, ICBC may act as excess coverage.
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If the rental company makes you responsible for insurance, ICBC’s policy becomes the primary coverage.
Always carry your ICBC documentation and confirm acceptance with the rental company before declining their insurance.
Tips Before You Rent a Car With ICBC Insurance
1. Confirm Coverage Ahead of Time
Speak with your Autoplan broker so you know exactly what’s covered — and for how long.
2. List All Drivers
Be sure anyone who will drive the rental is listed on your ICBC policy or rental contract — otherwise, coverage might not apply.
3. Check Limits & Vehicle Types
Certain high‑value vehicles, commercial vehicles, or rentals above daily cost thresholds may be excluded.
4. Consider Credit Card Coverage
Some credit cards offer rental collision insurance — but check limits and rules, especially for non‑North America travel.
ICBC Rental Insurance vs. Rental Company Insurance
| Feature | ICBC Rental Coverage | Rental Company Insurance |
|---|---|---|
| Price | Lower (≈$10/day or included in package) | Often higher at counter |
| Liability Coverage | Yes (included) | Yes (varies) |
| Collision / Comprehensive | Included | Yes (with CDW/LDW) |
| Loss Damage Waiver | Covered via ICBC policy | Yes (often optional) |
| Worldwide Coverage | No (only Canada & USA) | Usually worldwide (varies) |
Frequently Asked Questions (FAQs)
Does ICBC rental coverage affect my insurance discount?
No — claims under the rental policy won’t affect your personal insurance discount.
Can I use ICBC insurance for Mexico or Europe?
No — ICBC rental coverage applies only within Canada and the United States.
What happens if I get in an accident in a rental car?
Report immediately to police, rental company, and ICBC with your policy details. Coverage kicks in according to your limits.
Conclusion
If you’re renting a vehicle in BC, ICBC’s rental car insurance options — whether through standalone daily coverage or optional packages like RoadStar and Roadside Plus — can offer substantial protection at a better price than rental company insurance. They cover key areas like liability, collision, comprehensive damage, loss of use, and more — all designed to give you peace of mind while on the road in Canada and the U.S.