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Who insures Communauto vehicles?
Our vehicles are insured by Intact in Canada and MACIF in France.
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What does Communauto’s insurance policy cover?
When using a Communauto vehicle, you are covered for the following:
a) third-party liability: any person authorized to operate a vehicle under the Rules and Regulations is covered by a third-party liability insurance policy and subject to all its terms, conditions, and exclusions. The third-party liability coverage is $5 million for vehicles based in Quebec, $2 million for vehicles based in other Canadian provinces, and €100 million (unlimited in the event of bodily injury) for vehicles based in Paris, France.
b) collision: any person authorized to operate a vehicle under the Rules & Regulations is covered by collision insurance. Nevertheless, the Member is responsible for paying the Damage Fee corresponding with the Damage Protection Plan option selected by the Member.
Click here for details of our coverage in Canada.
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What is my financial responsibility in case of collision or damage to a vehicle?
Your Damage Protection Plan limits the amount you have to pay if there’s a collision or damage during your trip. All Communauto vehicles are covered by our company’s insurance for collision and liability, but you get to choose the Damage Protection Plan that works best for you.
When you join, you are asked to select what Damage Protection Plan you’d like to enroll in, which will determine the maximum Damage Fee you will have to pay in case of a collision or damage to a vehicle, as follows:
- In Quebec: $0, $350, or $750 per event
- In the rest of Canada: $0, $500, or $1000 per event
- In France: €0, €500, or €1000 per event
In Canada, in the case of a collision, the Damage Fee is billed regardless of whether you are at fault or not.
In the case of other damage, ensure you do a circle check prior to each trip, and report any new significant damage to the vehicle (a damage card can be found in the glove box of each vehicle). A Damage Fee could be applied to the member who booked the last trip prior to new damage being reported.
Please note, Communauto is not an insurance company. We do not sell insurance. While Communauto holds auto insurance, the Damage Protection Plan options are in place to limit the costs that would otherwise be billed to members in the event of a collision or damage.
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Why does the damage fee apply whether I am at fault or not? (In Canadian branches)
In Canadian branches of Communauto, our insurance policy includes a deductible that applies whether or not the Communauto driver is at fault in the accident. The nature of this insurance policy helps us minimize our overall insurance costs and, therefore, the cost of insurance passed along to members. As a result, the damage fee is also charged to members in the event of an accident or damage during their reservation, regardless of who is at fault in the incident.
This is not the case for our service in France, where the legal framework is different. If you have an accident while using a Communauto vehicle in France, the damage fee applies only to at-fault accidents or those where a third party is not identified. The damage fee does not apply in cases where a third party is found responsible.
See our Damage Protection Plan options on the Rates page for your location to learn more about reducing your financial responsibility in case of an accident.
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Can I waive my participation in the Damage Protection Plan?
Yes. In all our branches, except in Paris, it is possible to waive the Damage Protection Plan options if you pay for your Communauto transactions with a credit card that offers appropriate protection (often called Collision/Loss Damage Insurance for rental vehicles).
However, make sure that the protection offered is sufficient to cover all possible damage costs. Otherwise, you will be responsible for their full value.
The option to decline the coverage offered by Communauto’s insurer is offered when you first register for the service. It is also possible to select this option later through your online account or the app.
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Is there a cost if I waive the Damage Protection Plan and use my credit card insurance instead?
Yes, if you use your credit card insurance instead of Communauto’s collision damage coverage, there is still a fee. However, this fee is lower than the other Damage Protection Plan options. See the Rates page of your branch’s website for details.
This fee exists because all members are covered by Communauto’s liability coverage, regardless of their Damage Protection Plan choice. Credit card companies usually don’t include this type of coverage in their rental car damage protection.
The fee also covers the administrative costs associated with processing these claims.
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Coverage
Updated on March 20, 2024