Renting a car is a great way to visit new places, whether you’re traveling or just need a car for a day or two. It gives you the freedom of setting your own schedule, going wherever you want to go, and not having to depend on busses or trains. But something most folks forget—or don’t know if they need—is rental insurance.

It’s not the most exciting part of car rental, but it’s one of the most important. Let’s talk about what rental insurance is, why it matters, and how it can make your trip smoother and less frustrating.

What Is Rental Insurance?

In simple words, rental insurance protects you in the event of any mishap while you are operating a rented vehicle. It can include paying for damage to the vehicle, theft, or even expenses in case you unknowingly cause damage to someone else’s property while driving.

When you rent a car, the rental company will usually offer you different types of insurance. Sometimes your own car insurance or even a credit card will cover some, but not always, and not for everything. That’s why it’s worth asking and understanding what you are getting.

Why Do You Need Rental Insurance?

A lot of people think, I’m careful—I won’t need it. But the truth is, accidents can happen even if you’re the best driver. Maybe another car hits you. Maybe a rock cracks the windshield. Maybe someone scratches the car while it’s parked.

Without rental insurance, you would be covering the repair or replacement out of your own pocket. And that can be a whole lot more than you know—sometimes even more than the rental. Rental insurance protects you from those surprise bills. It gives you peace of mind so you can spend more time looking forward to your vacation.

What Does Rental Insurance Typically Cover

Rental insurance can go by other names, depending on the location of your rental, but the following are common types of coverage you’ll usually have access to:

• Collision damage — Payments if the rented vehicle is damaged.
• Theft protection — Paying if the vehicle is stolen.
• Liability coverage — Protection if you bump into someone else’s vehicle or property, or hurt someone by accident.
• Personal accident cover — Covers medical bills if you get injured during an accident.

It’s always better to ask the rental company what is included. That way you won’t have a shocker later.

When Should You Get Rental Insurance?

It’s a good practice to have rental insurance every time you rent a vehicle. Even for a brief trip, it can be useful. Not that you expect something to go wrong—just in case, it’s better to be safe.

Rental insurance can be even more useful if:

• You’re heading to a new place and aren’t familiar with the roads.
• You’re renting out for an extended time.
• You don’t have individual car insurance that includes rentals.
• You’re driving in a foreign country.

It’s always safer to be covered than to wish you’d had it when something goes wrong.

How Mr. Rent a Car Assists With Insurance

If you’re renting from Mr. Rent a Car, it’s easy to include rental insurance on your booking. They will explain clearly to you what is included, so you’re sure you’re paying for exactly what you’re getting.

The best part? No hard sell. Just straightforward advice so you can choose what’s best for you. And the price is clear—no surprises.

Final Thought

Car rentals allow you freedom to roam, whether on a foray into the city or on a journey out to the hills. But part of that freedom is knowing that you’re covered. Rental insurance helps guarantee that when things do go awry, you won’t be stuck with a vast bill or a hassle.

So when you’re next renting, remember insurance. It’s a simple step that will bring great rewards. And if you simply need straightforward, pleasant help, try Mr. Rent a Car.

For travel tips or recommendations on where to go, you can also visit Visit Calgary or Travel Alberta.