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Car Rental Insurance

If your rental vehicle is damaged or stolen while rented out in your name, you are covered up to the vehicle’s actual cash value plus valid loss of use charges (charges paid to the rental agency to compensate for the rental vehicle being made unavailable for rental while undergoing repairs).

You are eligible for this type of coverage provided that:

  • The full cost of the rental is charged to your TD First Class Travel Visa Infinite Credit Card
  • You declined the rental agency’s Collision Damage Waiver (CDW) option on the rental contract
  • The length of the rental period doesn’t exceed 48 consecutive days

What Types of Rental Vehicles Are Covered?

Types of Vehicles Covered Types of Vehicles Not Covered

  • Cars
  • Sports Utility Vehicles
  • Mini-Vans (made to transport a maximum of 8 people including the driver, and used exclusively for the transportation of passengers and their luggage)
  • Vans, cargo vans or mini cargo vans
  • Trucks, pick-up trucks or any vehicle that can be spontaneously reconfigured into a pick-up truck
  • Limousines
  • Off-road vehicles (any vehicle used on roads that aren’t publicly maintained)
  • Motorcycles, mopeds or motor bikes
  • Trailers, campers, RVs or vehicles not licensed for road use
  • Vehicles towing or propelling trailers or any other object
  • Mini-buses or buses
  • Any vehicle with a Manufacturer’s Suggested Retail Price over $65,000 (excluding all taxes) at the time of place and loss
  • Exotic vehicles
  • Any vehicle which is either wholly or in part handmade, hand-finished or has a limited production of under 2,500 vehicles per year
  • Antique vehicles (over 20 years old or have not been manufactured for 10 years or more)
  • Tax-free cars

Limitations & Exclusions

This coverage does not include loss arising in any way from:

  • A replacement vehicle for which your personal auto insurance is covering all or part of the rental cost
  • Third party liability (injury to anyone or anything inside or outside the vehicle)
  • Personal injury or damage to property, except the rental vehicle itself or its equipment
  • Operation of the rental vehicle while intoxicated or under the influence of any narcotic
  • Any dishonest, fraudulent or criminal act committed by any insured person
  • Wear and tear, gradual deterioration, mechanical or electrical breakdown/failure
  • Inherent vice or damage, insects or vermin
  • Operation of the rental vehicle in violation of the terms of the rental agreement
  • Seizure or destruction under quarantine or customs regulations, or confiscation by order of any government or public authority
  • Transportation or contraband or illegal trade
  • War, hostile or warlike action, insurrection, rebellion, revolution, civil war, usurped power, or action taken by government or public authority in hindering, combatting or defending against such action
  • Transportation of property or passengers for hire
  • Nuclear reaction, nuclear radiation, or radioactive contamination
  • Intentional damage to the rental vehicle by an insured person

Helpful Hints

  • Before you rent a vehicle, confirm that the rental agency allows you to decline the collision damage waiver without having to make a deposit
  • Check the rental vehicle for scratches, dents or any other damages before you take possession of the car and make sure you notify the rental agency’s rep. of your findings

How to Make a Claim

Call 1-800-880-6497 within 48 hours of an accident/theft and obtain a claim form.

All documentation should be completed and sent back to the claims administrator and should include the following:

  • The claim form, completed and signed
  • A sales draft showing that the rental was paid in full using your TD Credit Card
  • The original copy of the rental agreement
  • Accident or damage report (if available)
  • Itemized repair bill, or if not available, a copy of the estimate
  • Receipt for the paid repairs
  • Police report, when available
  • Copy of your billing or pre-billing statement if any repairs were charged to your account

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