Author Topic: TD Vehicle rental and insurance  (Read 1204 times)

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Offline Tarlouth

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TD Vehicle rental and insurance
« on: December 09, 2016, 20:46:18 »
I just returned from TD in BC.  My clerk booked my flight and vehicle rental .  The vehicle was with Enterprise.
I was under the impression ( possibly foolishly) that as the vehicle was booked via DND, I do not need to purchase extra insurance.
I used my personal credit card and after signing there, there and initialing there,  I was on my way.

 When I was handed the keys, the girl told me she had already completed the walk around and they don't consider minor scratches etc to be damage and hurried me on my way.
After a 30 mins or so, my passenger noticed a 5 inch crack in the corner of the windshield. 
I should have turned around right there, but we were in a hurry as our flight arrived late.

long story short. I returned the vehicle at 5am this morning via the overnight drop off ( place was closed)  Enterprise just called me to inform me I am liable for the windshield replacement.

WTF !

What are my options, or is this an expensive lesson learned ?  ( I am pretty sure my personal insurance covers windshield replacement, but with a deductible of some sort)


Offline MJP

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Re: TD Vehicle rental and insurance
« Reply #1 on: December 09, 2016, 21:04:05 »
CAF TD Instruction  http://www.forces.gc.ca/assets/FORCES_Internet/docs/en/caf-community-benefits/cftdti-ifcvst.pdf

(4) (Rental Vehicles — IDTC Policies) Before
using an IDTC to rent a vehicle on duty travel, a
member shall review ADM (Fin CS) policies and
procedures in respect of IDTC vehicle insurance.

(5) (Rental Vehicles — Private Insurance) A
member who is authorized to rent a vehicle on duty
travel should always review their private insurance
coverage with their private insurer before renting
the vehicle.

(6) (Rental Vehicles — Collision damage waiver
(CDW)) A member who is authorized to rent a
vehicle on duty travel and:

(a) who uses an IDTC to rent the vehicle shall
not purchase CDW (because the IDTC
provides CDW coverage); and

(b) who does not use an IDTC to rent the
vehicle shall purchase CDW

(7) (Rental Vehicles — Public Liability and
Property Damage (PL/PD)) A member who is
authorized to rent a vehicle on duty travel and

(a) who rents the vehicle from a rental agency
that is listed in the PWGSC
and Car Rental Directory as amended from
time to time, shall not purchase PL/PD
(because the listing includes PL/PD); and

(b) who rents the vehicle from a non-listed
rental agency shall purchase PL/PD.
Hope is not a valid COA

Offline Tarlouth

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Re: TD Vehicle rental and insurance
« Reply #2 on: December 09, 2016, 21:12:11 »
Just got off the phone with the thePersonal.    Vehicle rental is covered under the " Worry Free Option" which I pay a premium for.  Unfortunately, " worry free" also comes with a $500 deductible for windshield replacement.




Offline PuckChaser

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Re: TD Vehicle rental and insurance
« Reply #3 on: December 09, 2016, 21:19:15 »
Get a quote from a company to do it, to find out if its easier to not go through insurance.

I'd also call Enterprise head office and make a complaint about poor customer service rushing you through the inspection of the vehicle. If that employee told you not to do the inspection, you should be able out without paying for anything.

Offline Tarlouth

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Re: TD Vehicle rental and insurance
« Reply #4 on: December 09, 2016, 21:36:28 »
I am sure Enterprise will not let me choose the company to do the windshield replacement.  ( also, apparently it is their choice to either repair the small crack, or have the windshield replaced. hmmmmm  I wonder which one they will choose ! )

Looks like I am out $500, but I wont be the poor schmuck who signs for the vehicle rental on the next TD.


Offline kev994

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Re: TD Vehicle rental and insurance
« Reply #5 on: December 10, 2016, 12:09:28 »
What about your credit card? A lot of credit cards include rental insurance so long as you pay for it with that card.

Offline Tarlouth

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Re: TD Vehicle rental and insurance
« Reply #6 on: December 10, 2016, 13:31:14 »
Good point. 

I did look into the CC I used ( Tangerine) and they don't cover rentals.  Had I used my Capital One card however, it would have been covered.  My mistake for using the wrong card !

again, an expensive lesson learned.