I must remind myself to NEVER allow you to do me any favors... 
Mission accomplished
What happens if it's puking snow on Sunday evening and roads are bad? Take Monday off and enjoy an extra day of pow, or white knuckle it home on Sunday evening no matter what?
Taking Monday off if necessary is an option, but not preferred since the entire week after I'm off for vacation.
You have useful information. You are useful. We will keep you around.
THANKS!
by the way, this is my policy:
CAR RENTAL COLLISION/LOSS
DAMAGE WAIVER INSURANCE
This coverage is underwritten by American Bankers Insurance Company of Florida.
For the purposes of the Car Rental Collision/Loss Damage Waiver Insurance, Insured Person means a Cardholder and any other person who holds a valid driver’s license and has the Cardholder’s express
permission to operate the rental vehicle. This includes drivers not listed on Your rental contract, provided they would otherwise qualify under the rental contract
Eligibility
You are eligible for Car Rental Collision/Loss Damage Waiver Insurance when You rent most private passenger vehicles on a daily or weekly basis for a period NOT to exceed 31 consecutive days, provided that:
(i) You initiate the rental transaction by booking or reserving the vehicle rental with Your ______Card and by providing Your _______Card as payment guarantee prior to the time You take possession of the vehicle;
(ii) You decline the rental agency’s collision damage waiver (CDW) or loss damage waiver (LDW), or similar provision; and
(iii) You rent the vehicle in Your name and charge the entire cost of the car rental to the Account and/or pay with _____ reward miles.
Benefits
Subject to the terms, exclusions and limits of liability set out in this Certificate of Insurance, You are provided with the same protection against losses arising from the contractual liability assumed when renting and operating a rental vehicle as You would have if You accepted the rental agency’s collision or loss damage waiver (or similar provision) up to the actual cash value of the damaged or stolen rental vehicle as well as any reasonable, valid and documented loss of use, reasonable and customary towing charges and administration charges resulting from damage or theft occurring while the rental vehicle is rented in Your name. Benefits are limited to one vehicle rental during any one period. If, during the same period, more than one vehicle is rented by the Cardholder, only the first rental will be eligible for these benefits.
This coverage is
available on a 24-hour basis anywhere in the world, except where prohibited by law, or where the coverage is in violation of the terms of the rental contract in the jurisdiction in which it was formed.
Limitations and Exclusions
Car Rental Collision/Loss Damage Waiver Insurance do not cover any loss caused or contributed to by:
(i) operation of the rental vehicle in violation of the law or any terms and conditions of the rental agreement/contract;
(ii) operation of the vehicle by any driver not so authorized;
(iii) operation of the vehicle by any driver not in possession of a driver’s license that is valid in the rental jurisdiction;
(iv) operation of the vehicle on other than regularly maintained roads;
(v) alcohol intoxication where the driver’s blood alcohol concentration is equal to or over the blood alcohol concentration limit for impaired driving under the Criminal Code of Canada or the jurisdiction in which the
vehicle rental occurred, if lower, or the driver is charged for impaired driving;
vi) use of narcotic by the driver;
(vii) nuclear reaction, radiation or radioactive contamination;
(viii) damage to tires unless in conjunction with an insured cause;
(ix) wear and tear, gradual deterioration, mechanical breakdown of vehicle;
(x) any damage caused by moving or transporting cargo;
(xi) insects or vermin, inherent vice or damage;
(xii) hostile or warlike action, insurrection, rebellion, revolution or civil war;
(xiii) seizure or destruction under quarantine or customs regulations or confiscation by any government
or public authority;
(xiv) transporting contraband or illegal trade;
(xv) transportation of property or passengers for hire; or
(xvi) any dishonest, fraudulent or criminal act committed or attempted by the Cardholder
and/or any authorized driver.
Of note, I'd be on the hook for a flat tire. The insurance also doesn't cover 3rd party liability (my own insurance would cover that - so if there is an accident, but no 3rd party liability claim is made, there will be no effect on my personal insurance.
...but what I really like here is that you know how the car rental agencies say "if you want an authorized driver, you gotsta pay lots and lots of money"? My coverage says, "rental agency, eff off. You have no power here." ...so, free additional drivers so long as I give them permission and they have a valid licence
Loves it.
It's not ideal. I don't like it at all. IF the driving is bad, I have new reservations in a bunch of cities - Kingston and Ottawa. If we deem the winter tires to be a necessity, we will stop at those locations and pick up the second car (parking out first rental). We will pick up that rental on the way home.
...but I'm finally going to get out skiing this winter!! ...and we're meeting friends, so other locales were not a possibility.
Poll
