Originally Posted by
Smiley90
I have roadside plus with ICBC, which costs like 60 dollars a year and includes a collision waiver and, more importantly, extends your personal 3rd party liability to when you're using a rental car. Basic insurance and no credit card includes this, so for 60 dollars it was definitely worth it. So that'd also cover you if you redeem miles and it's much cheaper than paying for it using the car rental business.
I was just going to post this - ICBC and most of the private insurers in BC offer the exact same coverage for rental vehicles. And you don't affect your personal coverage if you make a claim either, as it's considered a separate policy, just like it would be if you rented a car and paid separately for it. And I'd hazard a guess that the coverage is much better and the claims process much less painful than with the credit card coverage - but that remains to be seen...