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Here are typical daily and weekly insurance premiums:
1. Collision damage waiver (CDW) (Royal bank gold card covers this)
2. Prsonal accident insurance (PAI)
3. Personal effect coverage (PEC)
4. Liability insurance supplement (LIS)
PAI is nothing more than an expensive life insurance policy with medical payments. If you are already covered for medical payment, you should turn it down.
PEC covers loss or damage to your personal property in the rental car. If you don't leave anything in the car, you don't need it.
LIS: When you rent a car, your automatic coverage for injury or death to others is the bare minimum required by the state. For an extra money, the liability coverage is increased to $1 million or more. You don't need it.
这是我摘录的, 如果你有CAR INSURANCE, 你可以DECLINE所有的RENTAL INSURANCE. 如果你没有CAR INSURANCE, 根据上面的, 1, 2, 3肯定不要(你的GOLD CARD COVERS NO. 1), 但LIS我不是很确定, 但如果你没什么个人资产的话, 我看不要也罢.
上面是美国的情况, 加拿大应该不会有太大差异. 如不放心, 还是读读INSURANCE AGREEMENT
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