{"ab":false,"abStatus":null,"abTestId":null,"abVariation":false,"abVariationAutomated":false,"absoluteUrl":"https://www.frontrowinsurance.com/articles/renting-a-car-for-production","afterPostBody":null,"allowedSlugConflict":false,"analytics":null,"analyticsPageId":"26124215985","analyticsPageType":"blog-post","archived":false,"archivedAt":0,"archivedInDashboard":false,"areCommentsAllowed":true,"attachedStylesheets":[],"audienceAccess":"PUBLIC","author":null,"authorName":null,"authorUsername":null,"blogAuthor":{"avatar":"","bio":"","cdnPurgeEmbargoTime":null,"cosObjectType":"BLOG_AUTHOR","created":1582215718530,"deletedAt":0,"displayName":"Diane Konecny","email":"","facebook":"","fullName":"Diane Konecny","gravatarUrl":null,"hasSocialProfiles":false,"id":26124216083,"label":"Diane Konecny","language":null,"linkedin":"","name":"Diane Konecny","portalId":61352,"slug":"diane-konecny","translatedFromId":null,"translations":{},"twitter":"","twitterUsername":"","updated":1582215718530,"userId":null,"username":null,"website":""},"blogAuthorId":26124216083,"blogPostAuthor":{"avatar":"","bio":"","cdnPurgeEmbargoTime":null,"cosObjectType":"BLOG_AUTHOR","created":1582215718530,"deletedAt":0,"displayName":"Diane Konecny","email":"","facebook":"","fullName":"Diane Konecny","gravatarUrl":null,"hasSocialProfiles":false,"id":26124216083,"label":"Diane Konecny","language":null,"linkedin":"","name":"Diane Konecny","portalId":61352,"slug":"diane-konecny","translatedFromId":null,"translations":{},"twitter":"","twitterUsername":"","updated":1582215718530,"userId":null,"username":null,"website":""},"blogPostScheduleTaskUid":null,"blogPublishInstantEmailCampaignId":null,"blogPublishInstantEmailRetryCount":null,"blogPublishInstantEmailTaskUid":"DONE","blogPublishToSocialMediaTask":"DONE","blueprintTypeId":0,"businessUnitId":0,"campaign":null,"campaignName":null,"campaignUtm":null,"category":3,"categoryId":3,"cdnPurgeEmbargoTime":null,"clonedFrom":null,"composeBody":null,"compositionId":0,"contentAccessRuleIds":[],"contentAccessRuleTypes":[],"contentGroup":952267656,"contentGroupId":952267656,"contentTypeCategory":3,"contentTypeCategoryId":3,"contentTypeId":null,"created":1582215630288,"createdById":7915797,"createdTime":1582215630288,"css":{},"cssText":"","ctaClicks":null,"ctaViews":null,"currentState":"PUBLISHED","currentlyPublished":true,"deletedAt":0,"deletedBy":null,"domain":"","dynamicPageDataSourceId":null,"dynamicPageDataSourceType":null,"dynamicPageHubDbTableId":null,"enableDomainStylesheets":null,"enableGoogleAmpOutputOverride":false,"enableLayoutStylesheets":null,"errors":[],"featuredImage":"https://cdn2.hubspot.net/hubfs/61352/blog-image-uploads/car-on-film-set-300175.jpg","featuredImageAltText":"Renting vehicles when shooting a production in Canada","featuredImageHeight":175,"featuredImageLength":0,"featuredImageWidth":300,"flexAreas":{},"folderId":null,"footerHtml":null,"freezeDate":1582218182000,"generateJsonLdEnabledOverride":true,"hasContentAccessRules":false,"hasUserChanges":true,"headHtml":null,"header":null,"htmlTitle":"I'm renting a car (in Canada) for my movie – what do I need?","id":26124215985,"includeDefaultCustomCss":null,"isCaptchaRequired":true,"isDraft":false,"isInstantEmailEnabled":true,"isPublished":true,"isSocialPublishingEnabled":false,"keywords":[],"label":"<span id=\"hs_cos_wrapper_name\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"text\" >I'm renting a car (in Canada) for my movie – what do I need?</span>","language":"en","lastEditSessionId":null,"lastEditUpdateId":null,"layoutSections":{},"legacyBlogTabid":null,"legacyId":null,"legacyPostGuid":null,"linkRelCanonicalUrl":null,"listTemplate":"prox_frontrow/templates/blog/blog-listing.html","liveDomain":"www.frontrowinsurance.com","mab":false,"mabExperimentId":null,"mabMaster":false,"mabVariant":false,"meta":{"attached_stylesheets":[],"post_summary":"<p>Some of the most common questions we get from clients are about vehicles:</p>\n","has_user_changes":true,"last_edit_session_id":null,"last_edit_update_id":null,"html_title":"I'm renting a car (in Canada) for my movie – what do I need?","tag_ids":[949708809,949708904,3080935216,3091662992,3131886355],"topic_ids":[949708809,949708904,3080935216,3091662992,3131886355],"campaign_name":null,"campaign_utm":null,"enable_google_amp_output_override":false,"featured_image":"https://cdn2.hubspot.net/hubfs/61352/blog-image-uploads/car-on-film-set-300175.jpg","featured_image_alt_text":"Renting vehicles when shooting a production in Canada","link_rel_canonical_url":null,"meta_description":"Here is what you need to know about renting vehicles when shooting a production in Canada. We will break it down into 2 sections to explain the basics.","post_body":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><p>Some of the most common questions we get from clients are about vehicles:</p>\n<!--more-->\n<ul>\n<li>What coverage do I need?&nbsp;</li>\n<li>Do I need to buy anything from the rental company?</li>\n<li>Can a 20-year-old production assistant (PA) drive the car(s)?</li>\n</ul>\n<p>Well, here is what you need to know about renting vehicles when shooting a production in Canada<strong>. </strong>We will break it down into two sections to explain the basics.</p>\n<h2>1. Damage to a car you are renting or are contractually required to provide coverage for while being used on production:&nbsp;</h2>\n<p>The production policies we provide include coverage if you damage a vehicle while contracted by production. With most insurers, it is called <a href=\"/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles\" rel=\" noopener\"><u>Commercial Vehicle Physical Damage</u> (CVPD)</a>.&nbsp; <strong>The coverage will have a limit per vehicle</strong>, so make sure that if you are renting expensive cars, your limit is high enough to cover any damage that can occur. You will also have to check the <strong>Aggregate</strong>, <strong>which is the most the policy will pay for any one occurrence</strong> (in case you damage multiple cars in one accident) and your <strong>deductible</strong> (<strong>the amount you need to pay for the damage before the insurance kicks in</strong>). Most policies will set the deductible as a percentage of the damage; for example, 10% with a minimum and maximum amount.</p>\n<p>Your rental company will offer you a <strong>Collision or Loss Damage Waiver</strong> (<strong>CDW/ LDW</strong>) when renting a vehicle. Typically, these are about $20-$30 per vehicle/day. The CDW/LDW provides coverage for damage to the vehicle. There is no need to purchase this if you have our policies, which include the CVPD coverage. <em>A bit of savings for your budget!</em> However, if you are renting a couple of vehicles for a short period of time and you aren’t so sure about your crew’s driving skills, you may choose to get this coverage from the rental company because the deductible is usually a lower amount.&nbsp;</p>\n<p><em><strong>NOTE: </strong>NOT ALL POLICIES PROVIDED BY OTHER BROKERS WILL INCLUDE THIS COVERAGE. YOU NEED TO CHECK YOUR POLICY TO MAKE SURE YOU HAVE WHAT YOU NEED, OR <a href=\"/contact-us\" rel=\" noopener\">CONTACT FRONT ROW</a> AND WE CAN OBTAIN PROPER COVERAGE FOR YOU.</em></p>\n<h2 class=\"p1\">2. Auto liability covers damage to property or injury to other parties:</h2>\n<p class=\"p2\">Auto liability is the portion of the policy which is regulated by the government and, to make it more complicated, it is individually regulated by each province/territory. Below is a basic breakdown by province.</p>\n<h3 class=\"p2\">Will I need to budget for an Auto Liability policy for my production?</h3>\n<table style=\"width: 100%; margin-left: auto; margin-right: auto; border-collapse: collapse; table-layout: fixed; height: 1264px; border: 1px solid #99acc2;\">\n<tbody>\n<tr style=\"height: 97px;\">\n<td style=\"width: 20.317%; height: 97px; padding: 4px; border: 1px solid #99acc2;\" width=\"103\">\n<p style=\"font-size: 18px;\"><strong>Province:</strong></p>\n</td>\n<td style=\"width: 36.4553%; height: 97px; padding: 4px; border: 1px solid #99acc2;\" width=\"224\">\n<p style=\"font-size: 18px;\"><strong>Coverage provided by:</strong></p>\n</td>\n<td style=\"width: 42.9395%; height: 97px; padding: 4px; border: 1px solid #99acc2;\" width=\"297\">\n<p style=\"font-size: 18px;\"><strong>Do I need to buy Auto Liability?</strong></p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Newfoundland</p>\n</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td class=\"td1\" style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\" valign=\"top\">\n<p class=\"p1\">Nova Scotia</p>\n</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">PEI</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 111px;\">\n<td class=\"td1\" style=\"width: 20.317%; height: 111px; padding: 4px; border: 1px solid #99acc2;\" valign=\"top\">\n<p class=\"p1\">New Brunswick</p>\n</td>\n<td style=\"width: 36.4553%; height: 111px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 111px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Quebec</p>\n</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Ontario</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Manitoba</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Government</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Saskatchewan</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Government</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Alberta</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">BC</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Government</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">NWT</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Yukon</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Nunavut</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n</tbody>\n</table>\n<p><i>The above-mentioned coverage outline is meant for informational purposes only and does not represent advice on coverages required.<a href=\"/contact-us\" rel=\" noopener\"><span class=\"Apple-converted-space\"> C</span>ontact us</a> if you have a specific need or question.</i></p>\n<p><strong>Auto liability is not an option</strong>; it needs to be in place for every car driven on public roads. Make sure you have the right coverage for your location and situation so production doesn’t get a ticket, or worse, be held responsible for injury to someone or damage to property.</p>\n<h2>Hired an intern or co-op student and want them to run errands in your rental car? Is that allowed?</h2>\n<p>Well, for once it’s not us being the careful ones! You will need to contact your rental company as many will have an age restriction on drivers. Some will restrict it to 21 or 25 years old, so make sure whoever is driving is actually allowed to, as it can nullify your coverage if they aren’t.</p>\n<p>Have more questions about auto coverage? Give any of our <a href=\"/contact-us\" rel=\" noopener\"><u>Front Row offices a call</u></a>!</p>\n<h2>Refer a friend to Front Row Insurance</h2>\n<p>Based on customer demand, we’ve setup our <a href=\"/referral\" rel=\" noopener\"><u>referral marketing program</u></a> and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! <em>(depending on your province)</em></p>\n<h4>Related:</h4>\n<ul>\n<li><a href=\"/articles/articles/bid/111382/film-production-companies-and-camera-cars-reducing-the-risk\" rel=\" noopener\">FILM PRODUCTION COMPANIES AND CAMERA CARS: REDUCING THE RISK</a></li>\n<li><a href=\"/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles\" rel=\" noopener\">FILM PRODUCTION INSURANCE AND RENTING CREW PERSONAL VEHICLES</a></li>\n<li><a href=\"/articles/commercial-vehicle-physical-damage-insurance\" rel=\" noopener\">AUTOMOBILE INSURANCE FOR FILMS</a></li>\n<li><a href=\"/articles/entertainment-insurance-package-policy\" rel=\"noopener\">WHAT'S INCLUDED IN AN ENTERTAINMENT INSURANCE PACKAGE?</a></li>\n</ul></span>","publish_immediately":true,"use_featured_image":true,"published_by_id":7915797,"published_at":1654275784912,"rss_body":"<p>Some of the most common questions we get from clients are about vehicles:</p>\n<!--more-->\n<ul>\n<li>What coverage do I need?&nbsp;</li>\n<li>Do I need to buy anything from the rental company?</li>\n<li>Can a 20-year-old production assistant (PA) drive the car(s)?</li>\n</ul>\n<p>Well, here is what you need to know about renting vehicles when shooting a production in Canada<strong>. </strong>We will break it down into two sections to explain the basics.</p>\n<h2>1. Damage to a car you are renting or are contractually required to provide coverage for while being used on production:&nbsp;</h2>\n<p>The production policies we provide include coverage if you damage a vehicle while contracted by production. With most insurers, it is called <a href=\"/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles\" rel=\" noopener\"><u>Commercial Vehicle Physical Damage</u> (CVPD)</a>.&nbsp; <strong>The coverage will have a limit per vehicle</strong>, so make sure that if you are renting expensive cars, your limit is high enough to cover any damage that can occur. You will also have to check the <strong>Aggregate</strong>, <strong>which is the most the policy will pay for any one occurrence</strong> (in case you damage multiple cars in one accident) and your <strong>deductible</strong> (<strong>the amount you need to pay for the damage before the insurance kicks in</strong>). Most policies will set the deductible as a percentage of the damage; for example, 10% with a minimum and maximum amount.</p>\n<p>Your rental company will offer you a <strong>Collision or Loss Damage Waiver</strong> (<strong>CDW/ LDW</strong>) when renting a vehicle. Typically, these are about $20-$30 per vehicle/day. The CDW/LDW provides coverage for damage to the vehicle. There is no need to purchase this if you have our policies, which include the CVPD coverage. <em>A bit of savings for your budget!</em> However, if you are renting a couple of vehicles for a short period of time and you aren’t so sure about your crew’s driving skills, you may choose to get this coverage from the rental company because the deductible is usually a lower amount.&nbsp;</p>\n<p><em><strong>NOTE: </strong>NOT ALL POLICIES PROVIDED BY OTHER BROKERS WILL INCLUDE THIS COVERAGE. YOU NEED TO CHECK YOUR POLICY TO MAKE SURE YOU HAVE WHAT YOU NEED, OR <a href=\"/contact-us\" rel=\" noopener\">CONTACT FRONT ROW</a> AND WE CAN OBTAIN PROPER COVERAGE FOR YOU.</em></p>\n<h2 class=\"p1\">2. Auto liability covers damage to property or injury to other parties:</h2>\n<p class=\"p2\">Auto liability is the portion of the policy which is regulated by the government and, to make it more complicated, it is individually regulated by each province/territory. Below is a basic breakdown by province.</p>\n<h3 class=\"p2\">Will I need to budget for an Auto Liability policy for my production?</h3>\n<table style=\"width: 100%; margin-left: auto; margin-right: auto; border-collapse: collapse; table-layout: fixed; height: 1264px; border: 1px solid #99acc2;\">\n<tbody>\n<tr style=\"height: 97px;\">\n<td style=\"width: 20.317%; height: 97px; padding: 4px; border: 1px solid #99acc2;\" width=\"103\">\n<p style=\"font-size: 18px;\"><strong>Province:</strong></p>\n</td>\n<td style=\"width: 36.4553%; height: 97px; padding: 4px; border: 1px solid #99acc2;\" width=\"224\">\n<p style=\"font-size: 18px;\"><strong>Coverage provided by:</strong></p>\n</td>\n<td style=\"width: 42.9395%; height: 97px; padding: 4px; border: 1px solid #99acc2;\" width=\"297\">\n<p style=\"font-size: 18px;\"><strong>Do I need to buy Auto Liability?</strong></p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Newfoundland</p>\n</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td class=\"td1\" style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\" valign=\"top\">\n<p class=\"p1\">Nova Scotia</p>\n</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">PEI</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 111px;\">\n<td class=\"td1\" style=\"width: 20.317%; height: 111px; padding: 4px; border: 1px solid #99acc2;\" valign=\"top\">\n<p class=\"p1\">New Brunswick</p>\n</td>\n<td style=\"width: 36.4553%; height: 111px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 111px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Quebec</p>\n</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Ontario</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Manitoba</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Government</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Saskatchewan</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Government</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Alberta</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">BC</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Government</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">NWT</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Yukon</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Nunavut</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n</tbody>\n</table>\n<p><i>The above-mentioned coverage outline is meant for informational purposes only and does not represent advice on coverages required.<a href=\"/contact-us\" rel=\" noopener\"><span class=\"Apple-converted-space\"> C</span>ontact us</a> if you have a specific need or question.</i></p>\n<p><strong>Auto liability is not an option</strong>; it needs to be in place for every car driven on public roads. Make sure you have the right coverage for your location and situation so production doesn’t get a ticket, or worse, be held responsible for injury to someone or damage to property.</p>\n<h2>Hired an intern or co-op student and want them to run errands in your rental car? Is that allowed?</h2>\n<p>Well, for once it’s not us being the careful ones! You will need to contact your rental company as many will have an age restriction on drivers. Some will restrict it to 21 or 25 years old, so make sure whoever is driving is actually allowed to, as it can nullify your coverage if they aren’t.</p>\n<p>Have more questions about auto coverage? Give any of our <a href=\"/contact-us\" rel=\" noopener\"><u>Front Row offices a call</u></a>!</p>\n<h2>Refer a friend to Front Row Insurance</h2>\n<p>Based on customer demand, we’ve setup our <a href=\"/referral\" rel=\" noopener\"><u>referral marketing program</u></a> and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! <em>(depending on your province)</em></p>\n<h4>Related:</h4>\n<ul>\n<li><a href=\"/articles/articles/bid/111382/film-production-companies-and-camera-cars-reducing-the-risk\" rel=\" noopener\">FILM PRODUCTION COMPANIES AND CAMERA CARS: REDUCING THE RISK</a></li>\n<li><a href=\"/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles\" rel=\" noopener\">FILM PRODUCTION INSURANCE AND RENTING CREW PERSONAL VEHICLES</a></li>\n<li><a href=\"/articles/commercial-vehicle-physical-damage-insurance\" rel=\" noopener\">AUTOMOBILE INSURANCE FOR FILMS</a></li>\n<li><a href=\"/articles/entertainment-insurance-package-policy\" rel=\"noopener\">WHAT'S INCLUDED IN AN ENTERTAINMENT INSURANCE PACKAGE?</a></li>\n</ul>","rss_summary":"<p>Some of the most common questions we get from clients are about vehicles:</p>\n","blog_publish_instant_email_task_uid":"DONE","blog_publish_to_social_media_task":"DONE","head_html":null,"scheduled_update_date":0,"blog_post_schedule_task_uid":null,"featured_image_width":300,"featured_image_height":175,"header":null},"metaDescription":"Here is what you need to know about renting vehicles when shooting a production in Canada. 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We will break it down into 2 sections to explain the basics.\"\n }\n </script>\n <!-- End Schema --> \n<script type=\"text/javascript\">\n window._mNHandle = window._mNHandle || {};\n window._mNHandle.queue = window._mNHandle.queue || [];\n medianet_versionId = \"3121199\";\n</script>\n<script src=\"https://contextual.media.net/dmedianet.js?cid=8CU76IWTZ\" async=\"async\"></script>","htmlHeadIsShared":true,"htmlKeywords":["Front Row Insurance Blog"," entertainment blog"," film blog"," film insurance"," event insurance"," film festival blog"," production blog"," musicians blog"," "],"htmlTitle":"The Front Row View (entertainment insurance blog)","id":952267656,"instantNotificationEmailId":"952268061","itemLayoutId":null,"itemTemplateIsShared":false,"itemTemplatePath":"prox_frontrow/templates/blog/blog-post.html","label":"The Front Row View (entertainment insurance blog)","language":"en","legacyGuid":"469ce2ec-4dd9-442d-984a-3bab2557a02f","legacyModuleId":"164112","legacyTabId":137640,"listingLayoutId":null,"listingPageId":70026589976,"listingTemplatePath":"prox_frontrow/templates/blog/blog-listing.html","liveDomain":"www.frontrowinsurance.com","monthFilterFormat":"MMMM yyyy","monthlyNotificationEmailId":"952267981","name":"The Front Row View (entertainment insurance blog)","parentBlogUpdateTaskId":null,"portalId":61352,"postHtmlFooter":"<!-- OMEGA-->","postHtmlHead":"<!-- Blog Schema by Front Row Insurance // https://www.frontrowinsurance.com/ -->\n\n<script type=\"application/ld+json\">\n {\n \"@context\": \"http://schema.org\",\n \"@type\": \"BlogPosting\",\n \"mainEntityOfPage\":{\n \"@type\":\"WebPage\",\n \"@id\":\"https://www.frontrowinsurance.com/articles/renting-a-car-for-production\"\n },\n \"headline\": \"I'm renting a car (in Canada) for my movie – what do I need?\",\n \"image\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://cdn2.hubspot.net/hubfs/61352/blog-image-uploads/car-on-film-set-300175.jpg\"\n },\n \"datePublished\": \"2020-02-20 17:03:02\",\n \"dateModified\": \"\",\n \"author\": {\n \"@type\": \"Person\",\n \"name\": \"') }}\"\n },\n \"publisher\": {\n \"@type\": \"Organization\",\n \"name\": \"FRONT ROW INSURANCE BROKERS\",\n \"logo\": {\n \"@type\": \"ImageObject\",\n \"url\": \"https://cdn2.hubspot.net/hubfs/61352/images/Logos/FR_logo_%5BConverted,-Inverted%5D.png\"\n }\n },\n \"description\": \"Here is what you need to know about renting vehicles when shooting a production in Canada. We will break it down into 2 sections to explain the basics.\"\n }\n </script>\n <!-- End Schema --> \n<script type=\"text/javascript\">\n window._mNHandle = window._mNHandle || {};\n window._mNHandle.queue = window._mNHandle.queue || [];\n medianet_versionId = \"3121199\";\n</script>\n<script src=\"https://contextual.media.net/dmedianet.js?cid=8CU76IWTZ\" async=\"async\"></script>","postsPerListingPage":10,"postsPerRssFeed":10,"publicAccessRules":[{"ids":[],"type":"LIST_MEMBERSHIP"}],"publicAccessRulesEnabled":false,"publicTitle":"The Front Row View (entertainment insurance blog)","publishDateFormat":"medium","resolvedDomain":"www.frontrowinsurance.com","rootUrl":"https://www.frontrowinsurance.com/articles","rssCustomFeed":"","rssDescription":"RSS feeds for ","rssItemFooter":"<IMG style=\"WIDTH: 144px; HEIGHT: 78px\" title=\"\" border=0 alt=\"\" align=center src=\"http://focusinsurance.web6.hubspot.com/Portals/61352/images//logo_final.jpg\" width=138 height=78 mce_src=\"/Portals/61352/images//logo_final.jpg\">","rssItemHeader":"","settingsOverrides":{"itemLayoutId":false,"itemTemplatePath":false,"itemTemplateIsShared":false,"listingLayoutId":false,"listingTemplatePath":false,"postsPerListingPage":false,"showSummaryInListing":false,"useFeaturedImageInSummary":false,"htmlHead":false,"postHtmlHead":false,"htmlHeadIsShared":false,"htmlFooter":false,"listingPageHtmlFooter":false,"postHtmlFooter":false,"htmlFooterIsShared":false,"attachedStylesheets":false,"postsPerRssFeed":false,"showSummaryInRss":false,"showSummaryInEmails":false,"showSummariesInEmails":false,"allowComments":false,"commentShouldCreateContact":false,"commentModeration":false,"closeCommentsOlder":false,"commentNotificationEmails":false,"commentMaxThreadDepth":false,"commentVerificationText":false,"socialAccountTwitter":false,"showSocialLinkTwitter":false,"showSocialLinkLinkedin":false,"showSocialLinkFacebook":false,"enableGoogleAmpOutput":false,"ampLogoSrc":false,"ampLogoHeight":false,"ampLogoWidth":false,"ampLogoAlt":false,"ampHeaderFont":false,"ampHeaderFontSize":false,"ampHeaderColor":false,"ampHeaderBackgroundColor":false,"ampBodyFont":false,"ampBodyFontSize":false,"ampBodyColor":false,"ampLinkColor":false,"generateJsonLdEnabled":false},"showSocialLinkFacebook":true,"showSocialLinkLinkedin":true,"showSocialLinkTwitter":true,"showSummaryInEmails":true,"showSummaryInListing":false,"showSummaryInRss":true,"siteId":0,"slug":"articles","socialAccountTwitter":"","state":null,"subscriptionContactsProperty":"blog_blog_the_front_row_view_subscription","subscriptionEmailType":null,"subscriptionFormGuid":"a2c254df-2214-4c54-bd51-46da1e3029fb","subscriptionListsByType":{"daily":12,"instant":11,"monthly":10,"weekly":13},"title":null,"translatedFromId":null,"translations":{"fr":{"absoluteUrl":"https://www.frontrowinsurance.com/fr/blogue","id":2471031463,"language":"fr","masterId":952267656,"name":"The Front Row View (entertainment insurance blog)","publicAccessRules":[{"ids":[],"type":"LIST_MEMBERSHIP"}],"publicAccessRulesEnabled":false,"slug":"fr/blogue"}},"updated":1650089754719,"updatedDateTime":1650089754719,"urlBase":"www.frontrowinsurance.com/articles","urlSegments":{},"useFeaturedImageInSummary":true,"usesDefaultTemplate":false,"weeklyNotificationEmailId":"952268106"},"password":null,"pastMabExperimentIds":[],"performableGuid":null,"performableVariationLetter":null,"personas":[],"placementGuids":[],"portableKey":null,"portalId":61352,"position":null,"postBody":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><p>Some of the most common questions we get from clients are about vehicles:</p>\n<!--more-->\n<ul>\n<li>What coverage do I need?&nbsp;</li>\n<li>Do I need to buy anything from the rental company?</li>\n<li>Can a 20-year-old production assistant (PA) drive the car(s)?</li>\n</ul>\n<p>Well, here is what you need to know about renting vehicles when shooting a production in Canada<strong>. </strong>We will break it down into two sections to explain the basics.</p>\n<h2>1. Damage to a car you are renting or are contractually required to provide coverage for while being used on production:&nbsp;</h2>\n<p>The production policies we provide include coverage if you damage a vehicle while contracted by production. With most insurers, it is called <a href=\"/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles\" rel=\" noopener\"><u>Commercial Vehicle Physical Damage</u> (CVPD)</a>.&nbsp; <strong>The coverage will have a limit per vehicle</strong>, so make sure that if you are renting expensive cars, your limit is high enough to cover any damage that can occur. You will also have to check the <strong>Aggregate</strong>, <strong>which is the most the policy will pay for any one occurrence</strong> (in case you damage multiple cars in one accident) and your <strong>deductible</strong> (<strong>the amount you need to pay for the damage before the insurance kicks in</strong>). Most policies will set the deductible as a percentage of the damage; for example, 10% with a minimum and maximum amount.</p>\n<p>Your rental company will offer you a <strong>Collision or Loss Damage Waiver</strong> (<strong>CDW/ LDW</strong>) when renting a vehicle. Typically, these are about $20-$30 per vehicle/day. The CDW/LDW provides coverage for damage to the vehicle. There is no need to purchase this if you have our policies, which include the CVPD coverage. <em>A bit of savings for your budget!</em> However, if you are renting a couple of vehicles for a short period of time and you aren’t so sure about your crew’s driving skills, you may choose to get this coverage from the rental company because the deductible is usually a lower amount.&nbsp;</p>\n<p><em><strong>NOTE: </strong>NOT ALL POLICIES PROVIDED BY OTHER BROKERS WILL INCLUDE THIS COVERAGE. YOU NEED TO CHECK YOUR POLICY TO MAKE SURE YOU HAVE WHAT YOU NEED, OR <a href=\"/contact-us\" rel=\" noopener\">CONTACT FRONT ROW</a> AND WE CAN OBTAIN PROPER COVERAGE FOR YOU.</em></p>\n<h2 class=\"p1\">2. Auto liability covers damage to property or injury to other parties:</h2>\n<p class=\"p2\">Auto liability is the portion of the policy which is regulated by the government and, to make it more complicated, it is individually regulated by each province/territory. Below is a basic breakdown by province.</p>\n<h3 class=\"p2\">Will I need to budget for an Auto Liability policy for my production?</h3>\n<table style=\"width: 100%; margin-left: auto; margin-right: auto; border-collapse: collapse; table-layout: fixed; height: 1264px; border: 1px solid #99acc2;\">\n<tbody>\n<tr style=\"height: 97px;\">\n<td style=\"width: 20.317%; height: 97px; padding: 4px; border: 1px solid #99acc2;\" width=\"103\">\n<p style=\"font-size: 18px;\"><strong>Province:</strong></p>\n</td>\n<td style=\"width: 36.4553%; height: 97px; padding: 4px; border: 1px solid #99acc2;\" width=\"224\">\n<p style=\"font-size: 18px;\"><strong>Coverage provided by:</strong></p>\n</td>\n<td style=\"width: 42.9395%; height: 97px; padding: 4px; border: 1px solid #99acc2;\" width=\"297\">\n<p style=\"font-size: 18px;\"><strong>Do I need to buy Auto Liability?</strong></p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Newfoundland</p>\n</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td class=\"td1\" style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\" valign=\"top\">\n<p class=\"p1\">Nova Scotia</p>\n</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">PEI</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 111px;\">\n<td class=\"td1\" style=\"width: 20.317%; height: 111px; padding: 4px; border: 1px solid #99acc2;\" valign=\"top\">\n<p class=\"p1\">New Brunswick</p>\n</td>\n<td style=\"width: 36.4553%; height: 111px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 111px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Quebec</p>\n</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Ontario</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Manitoba</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Government</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Saskatchewan</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Government</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Alberta</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">BC</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Government</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">NWT</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Yukon</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Nunavut</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n</tbody>\n</table>\n<p><i>The above-mentioned coverage outline is meant for informational purposes only and does not represent advice on coverages required.<a href=\"/contact-us\" rel=\" noopener\"><span class=\"Apple-converted-space\"> C</span>ontact us</a> if you have a specific need or question.</i></p>\n<p><strong>Auto liability is not an option</strong>; it needs to be in place for every car driven on public roads. Make sure you have the right coverage for your location and situation so production doesn’t get a ticket, or worse, be held responsible for injury to someone or damage to property.</p>\n<h2>Hired an intern or co-op student and want them to run errands in your rental car? Is that allowed?</h2>\n<p>Well, for once it’s not us being the careful ones! You will need to contact your rental company as many will have an age restriction on drivers. Some will restrict it to 21 or 25 years old, so make sure whoever is driving is actually allowed to, as it can nullify your coverage if they aren’t.</p>\n<p>Have more questions about auto coverage? Give any of our <a href=\"/contact-us\" rel=\" noopener\"><u>Front Row offices a call</u></a>!</p>\n<h2>Refer a friend to Front Row Insurance</h2>\n<p>Based on customer demand, we’ve setup our <a href=\"/referral\" rel=\" noopener\"><u>referral marketing program</u></a> and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! <em>(depending on your province)</em></p>\n<h4>Related:</h4>\n<ul>\n<li><a href=\"/articles/articles/bid/111382/film-production-companies-and-camera-cars-reducing-the-risk\" rel=\" noopener\">FILM PRODUCTION COMPANIES AND CAMERA CARS: REDUCING THE RISK</a></li>\n<li><a href=\"/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles\" rel=\" noopener\">FILM PRODUCTION INSURANCE AND RENTING CREW PERSONAL VEHICLES</a></li>\n<li><a href=\"/articles/commercial-vehicle-physical-damage-insurance\" rel=\" noopener\">AUTOMOBILE INSURANCE FOR FILMS</a></li>\n<li><a href=\"/articles/entertainment-insurance-package-policy\" rel=\"noopener\">WHAT'S INCLUDED IN AN ENTERTAINMENT INSURANCE PACKAGE?</a></li>\n</ul></span>","postBodyRss":"<p>Some of the most common questions we get from clients are about vehicles:</p>\n<!--more-->\n<ul>\n<li>What coverage do I need?&nbsp;</li>\n<li>Do I need to buy anything from the rental company?</li>\n<li>Can a 20-year-old production assistant (PA) drive the car(s)?</li>\n</ul>\n<p>Well, here is what you need to know about renting vehicles when shooting a production in Canada<strong>. </strong>We will break it down into two sections to explain the basics.</p>\n<h2>1. Damage to a car you are renting or are contractually required to provide coverage for while being used on production:&nbsp;</h2>\n<p>The production policies we provide include coverage if you damage a vehicle while contracted by production. With most insurers, it is called <a href=\"/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles\" rel=\" noopener\"><u>Commercial Vehicle Physical Damage</u> (CVPD)</a>.&nbsp; <strong>The coverage will have a limit per vehicle</strong>, so make sure that if you are renting expensive cars, your limit is high enough to cover any damage that can occur. You will also have to check the <strong>Aggregate</strong>, <strong>which is the most the policy will pay for any one occurrence</strong> (in case you damage multiple cars in one accident) and your <strong>deductible</strong> (<strong>the amount you need to pay for the damage before the insurance kicks in</strong>). Most policies will set the deductible as a percentage of the damage; for example, 10% with a minimum and maximum amount.</p>\n<p>Your rental company will offer you a <strong>Collision or Loss Damage Waiver</strong> (<strong>CDW/ LDW</strong>) when renting a vehicle. Typically, these are about $20-$30 per vehicle/day. The CDW/LDW provides coverage for damage to the vehicle. There is no need to purchase this if you have our policies, which include the CVPD coverage. <em>A bit of savings for your budget!</em> However, if you are renting a couple of vehicles for a short period of time and you aren’t so sure about your crew’s driving skills, you may choose to get this coverage from the rental company because the deductible is usually a lower amount.&nbsp;</p>\n<p><em><strong>NOTE: </strong>NOT ALL POLICIES PROVIDED BY OTHER BROKERS WILL INCLUDE THIS COVERAGE. YOU NEED TO CHECK YOUR POLICY TO MAKE SURE YOU HAVE WHAT YOU NEED, OR <a href=\"/contact-us\" rel=\" noopener\">CONTACT FRONT ROW</a> AND WE CAN OBTAIN PROPER COVERAGE FOR YOU.</em></p>\n<h2 class=\"p1\">2. Auto liability covers damage to property or injury to other parties:</h2>\n<p class=\"p2\">Auto liability is the portion of the policy which is regulated by the government and, to make it more complicated, it is individually regulated by each province/territory. Below is a basic breakdown by province.</p>\n<h3 class=\"p2\">Will I need to budget for an Auto Liability policy for my production?</h3>\n<table style=\"width: 100%; margin-left: auto; margin-right: auto; border-collapse: collapse; table-layout: fixed; height: 1264px; border: 1px solid #99acc2;\">\n<tbody>\n<tr style=\"height: 97px;\">\n<td style=\"width: 20.317%; height: 97px; padding: 4px; border: 1px solid #99acc2;\" width=\"103\">\n<p style=\"font-size: 18px;\"><strong>Province:</strong></p>\n</td>\n<td style=\"width: 36.4553%; height: 97px; padding: 4px; border: 1px solid #99acc2;\" width=\"224\">\n<p style=\"font-size: 18px;\"><strong>Coverage provided by:</strong></p>\n</td>\n<td style=\"width: 42.9395%; height: 97px; padding: 4px; border: 1px solid #99acc2;\" width=\"297\">\n<p style=\"font-size: 18px;\"><strong>Do I need to buy Auto Liability?</strong></p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Newfoundland</p>\n</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td class=\"td1\" style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\" valign=\"top\">\n<p class=\"p1\">Nova Scotia</p>\n</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">PEI</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 111px;\">\n<td class=\"td1\" style=\"width: 20.317%; height: 111px; padding: 4px; border: 1px solid #99acc2;\" valign=\"top\">\n<p class=\"p1\">New Brunswick</p>\n</td>\n<td style=\"width: 36.4553%; height: 111px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 111px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Quebec</p>\n</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Ontario</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Manitoba</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Government</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Saskatchewan</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Government</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Alberta</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">BC</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Government</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">NWT</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Yukon</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Nunavut</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n</tbody>\n</table>\n<p><i>The above-mentioned coverage outline is meant for informational purposes only and does not represent advice on coverages required.<a href=\"/contact-us\" rel=\" noopener\"><span class=\"Apple-converted-space\"> C</span>ontact us</a> if you have a specific need or question.</i></p>\n<p><strong>Auto liability is not an option</strong>; it needs to be in place for every car driven on public roads. Make sure you have the right coverage for your location and situation so production doesn’t get a ticket, or worse, be held responsible for injury to someone or damage to property.</p>\n<h2>Hired an intern or co-op student and want them to run errands in your rental car? Is that allowed?</h2>\n<p>Well, for once it’s not us being the careful ones! You will need to contact your rental company as many will have an age restriction on drivers. Some will restrict it to 21 or 25 years old, so make sure whoever is driving is actually allowed to, as it can nullify your coverage if they aren’t.</p>\n<p>Have more questions about auto coverage? Give any of our <a href=\"/contact-us\" rel=\" noopener\"><u>Front Row offices a call</u></a>!</p>\n<h2>Refer a friend to Front Row Insurance</h2>\n<p>Based on customer demand, we’ve setup our <a href=\"/referral\" rel=\" noopener\"><u>referral marketing program</u></a> and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! <em>(depending on your province)</em></p>\n<h4>Related:</h4>\n<ul>\n<li><a href=\"/articles/articles/bid/111382/film-production-companies-and-camera-cars-reducing-the-risk\" rel=\" noopener\">FILM PRODUCTION COMPANIES AND CAMERA CARS: REDUCING THE RISK</a></li>\n<li><a href=\"/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles\" rel=\" noopener\">FILM PRODUCTION INSURANCE AND RENTING CREW PERSONAL VEHICLES</a></li>\n<li><a href=\"/articles/commercial-vehicle-physical-damage-insurance\" rel=\" noopener\">AUTOMOBILE INSURANCE FOR FILMS</a></li>\n<li><a href=\"/articles/entertainment-insurance-package-policy\" rel=\"noopener\">WHAT'S INCLUDED IN AN ENTERTAINMENT INSURANCE PACKAGE?</a></li>\n</ul>","postEmailContent":"<p>Some of the most common questions we get from clients are about vehicles:</p>","postFeaturedImageIfEnabled":"https://cdn2.hubspot.net/hubfs/61352/blog-image-uploads/car-on-film-set-300175.jpg","postListContent":"<span id=\"hs_cos_wrapper_post_body\" class=\"hs_cos_wrapper hs_cos_wrapper_meta_field hs_cos_wrapper_type_rich_text\" style=\"\" data-hs-cos-general-type=\"meta_field\" data-hs-cos-type=\"rich_text\" ><p>Some of the most common questions we get from clients are about vehicles:</p>\n<!--more-->\n<ul>\n<li>What coverage do I need?&nbsp;</li>\n<li>Do I need to buy anything from the rental company?</li>\n<li>Can a 20-year-old production assistant (PA) drive the car(s)?</li>\n</ul>\n<p>Well, here is what you need to know about renting vehicles when shooting a production in Canada<strong>. </strong>We will break it down into two sections to explain the basics.</p>\n<h2>1. Damage to a car you are renting or are contractually required to provide coverage for while being used on production:&nbsp;</h2>\n<p>The production policies we provide include coverage if you damage a vehicle while contracted by production. With most insurers, it is called <a href=\"/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles\" rel=\" noopener\"><u>Commercial Vehicle Physical Damage</u> (CVPD)</a>.&nbsp; <strong>The coverage will have a limit per vehicle</strong>, so make sure that if you are renting expensive cars, your limit is high enough to cover any damage that can occur. You will also have to check the <strong>Aggregate</strong>, <strong>which is the most the policy will pay for any one occurrence</strong> (in case you damage multiple cars in one accident) and your <strong>deductible</strong> (<strong>the amount you need to pay for the damage before the insurance kicks in</strong>). Most policies will set the deductible as a percentage of the damage; for example, 10% with a minimum and maximum amount.</p>\n<p>Your rental company will offer you a <strong>Collision or Loss Damage Waiver</strong> (<strong>CDW/ LDW</strong>) when renting a vehicle. Typically, these are about $20-$30 per vehicle/day. The CDW/LDW provides coverage for damage to the vehicle. There is no need to purchase this if you have our policies, which include the CVPD coverage. <em>A bit of savings for your budget!</em> However, if you are renting a couple of vehicles for a short period of time and you aren’t so sure about your crew’s driving skills, you may choose to get this coverage from the rental company because the deductible is usually a lower amount.&nbsp;</p>\n<p><em><strong>NOTE: </strong>NOT ALL POLICIES PROVIDED BY OTHER BROKERS WILL INCLUDE THIS COVERAGE. YOU NEED TO CHECK YOUR POLICY TO MAKE SURE YOU HAVE WHAT YOU NEED, OR <a href=\"/contact-us\" rel=\" noopener\">CONTACT FRONT ROW</a> AND WE CAN OBTAIN PROPER COVERAGE FOR YOU.</em></p>\n<h2 class=\"p1\">2. Auto liability covers damage to property or injury to other parties:</h2>\n<p class=\"p2\">Auto liability is the portion of the policy which is regulated by the government and, to make it more complicated, it is individually regulated by each province/territory. Below is a basic breakdown by province.</p>\n<h3 class=\"p2\">Will I need to budget for an Auto Liability policy for my production?</h3>\n<table style=\"width: 100%; margin-left: auto; margin-right: auto; border-collapse: collapse; table-layout: fixed; height: 1264px; border: 1px solid #99acc2;\">\n<tbody>\n<tr style=\"height: 97px;\">\n<td style=\"width: 20.317%; height: 97px; padding: 4px; border: 1px solid #99acc2;\" width=\"103\">\n<p style=\"font-size: 18px;\"><strong>Province:</strong></p>\n</td>\n<td style=\"width: 36.4553%; height: 97px; padding: 4px; border: 1px solid #99acc2;\" width=\"224\">\n<p style=\"font-size: 18px;\"><strong>Coverage provided by:</strong></p>\n</td>\n<td style=\"width: 42.9395%; height: 97px; padding: 4px; border: 1px solid #99acc2;\" width=\"297\">\n<p style=\"font-size: 18px;\"><strong>Do I need to buy Auto Liability?</strong></p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Newfoundland</p>\n</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td class=\"td1\" style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\" valign=\"top\">\n<p class=\"p1\">Nova Scotia</p>\n</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">PEI</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 111px;\">\n<td class=\"td1\" style=\"width: 20.317%; height: 111px; padding: 4px; border: 1px solid #99acc2;\" valign=\"top\">\n<p class=\"p1\">New Brunswick</p>\n</td>\n<td style=\"width: 36.4553%; height: 111px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 111px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Quebec</p>\n</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Ontario</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Manitoba</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Government</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Saskatchewan</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Government</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Alberta</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">BC</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Government</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">NWT</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Yukon</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Nunavut</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n</tbody>\n</table>\n<p><i>The above-mentioned coverage outline is meant for informational purposes only and does not represent advice on coverages required.<a href=\"/contact-us\" rel=\" noopener\"><span class=\"Apple-converted-space\"> C</span>ontact us</a> if you have a specific need or question.</i></p>\n<p><strong>Auto liability is not an option</strong>; it needs to be in place for every car driven on public roads. Make sure you have the right coverage for your location and situation so production doesn’t get a ticket, or worse, be held responsible for injury to someone or damage to property.</p>\n<h2>Hired an intern or co-op student and want them to run errands in your rental car? Is that allowed?</h2>\n<p>Well, for once it’s not us being the careful ones! You will need to contact your rental company as many will have an age restriction on drivers. Some will restrict it to 21 or 25 years old, so make sure whoever is driving is actually allowed to, as it can nullify your coverage if they aren’t.</p>\n<p>Have more questions about auto coverage? Give any of our <a href=\"/contact-us\" rel=\" noopener\"><u>Front Row offices a call</u></a>!</p>\n<h2>Refer a friend to Front Row Insurance</h2>\n<p>Based on customer demand, we’ve setup our <a href=\"/referral\" rel=\" noopener\"><u>referral marketing program</u></a> and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! <em>(depending on your province)</em></p>\n<h4>Related:</h4>\n<ul>\n<li><a href=\"/articles/articles/bid/111382/film-production-companies-and-camera-cars-reducing-the-risk\" rel=\" noopener\">FILM PRODUCTION COMPANIES AND CAMERA CARS: REDUCING THE RISK</a></li>\n<li><a href=\"/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles\" rel=\" noopener\">FILM PRODUCTION INSURANCE AND RENTING CREW PERSONAL VEHICLES</a></li>\n<li><a href=\"/articles/commercial-vehicle-physical-damage-insurance\" rel=\" noopener\">AUTOMOBILE INSURANCE FOR FILMS</a></li>\n<li><a href=\"/articles/entertainment-insurance-package-policy\" rel=\"noopener\">WHAT'S INCLUDED IN AN ENTERTAINMENT INSURANCE PACKAGE?</a></li>\n</ul></span>","postListSummaryFeaturedImage":"","postRssContent":"<p>Some of the most common questions we get from clients are about vehicles:</p>","postRssSummaryFeaturedImage":"https://cdn2.hubspot.net/hubfs/61352/blog-image-uploads/car-on-film-set-300175.jpg","postSummary":"<p>Some of the most common questions we get from clients are about vehicles:</p>\n","postSummaryRss":"<p>Some of the most common questions we get from clients are about vehicles:</p>","postTemplate":"prox_frontrow/templates/blog/blog-post.html","previewImageSrc":null,"previewKey":"esKpTLTk","previousPostFeaturedImage":"https://cdn2.hubspot.net/hubfs/61352/staff/leanne-forweb.jpg","previousPostFeaturedImageAltText":"Leanne Savoie","previousPostName":"Announcement on New Hire Leanne Savoie – David Hamilton CEO","previousPostSlug":"articles/leanne-savoie","processingStatus":"PUBLISHED","propertyForDynamicPageCanonicalUrl":null,"propertyForDynamicPageFeaturedImage":null,"propertyForDynamicPageMetaDescription":null,"propertyForDynamicPageSlug":null,"propertyForDynamicPageTitle":null,"publicAccessRules":[],"publicAccessRulesEnabled":false,"publishDate":1582218182000,"publishDateLocalTime":1582218182000,"publishDateLocalized":{"date":1582218182000,"format":"medium","language":"en_US"},"publishImmediately":true,"publishTimezoneOffset":null,"publishedAt":1654275784912,"publishedByEmail":null,"publishedById":7915797,"publishedByName":null,"publishedUrl":"https://www.frontrowinsurance.com/articles/renting-a-car-for-production","resolvedDomain":"www.frontrowinsurance.com","resolvedLanguage":"en","rssBody":"<p>Some of the most common questions we get from clients are about vehicles:</p>\n<!--more-->\n<ul>\n<li>What coverage do I need?&nbsp;</li>\n<li>Do I need to buy anything from the rental company?</li>\n<li>Can a 20-year-old production assistant (PA) drive the car(s)?</li>\n</ul>\n<p>Well, here is what you need to know about renting vehicles when shooting a production in Canada<strong>. </strong>We will break it down into two sections to explain the basics.</p>\n<h2>1. Damage to a car you are renting or are contractually required to provide coverage for while being used on production:&nbsp;</h2>\n<p>The production policies we provide include coverage if you damage a vehicle while contracted by production. With most insurers, it is called <a href=\"/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles\" rel=\" noopener\"><u>Commercial Vehicle Physical Damage</u> (CVPD)</a>.&nbsp; <strong>The coverage will have a limit per vehicle</strong>, so make sure that if you are renting expensive cars, your limit is high enough to cover any damage that can occur. You will also have to check the <strong>Aggregate</strong>, <strong>which is the most the policy will pay for any one occurrence</strong> (in case you damage multiple cars in one accident) and your <strong>deductible</strong> (<strong>the amount you need to pay for the damage before the insurance kicks in</strong>). Most policies will set the deductible as a percentage of the damage; for example, 10% with a minimum and maximum amount.</p>\n<p>Your rental company will offer you a <strong>Collision or Loss Damage Waiver</strong> (<strong>CDW/ LDW</strong>) when renting a vehicle. Typically, these are about $20-$30 per vehicle/day. The CDW/LDW provides coverage for damage to the vehicle. There is no need to purchase this if you have our policies, which include the CVPD coverage. <em>A bit of savings for your budget!</em> However, if you are renting a couple of vehicles for a short period of time and you aren’t so sure about your crew’s driving skills, you may choose to get this coverage from the rental company because the deductible is usually a lower amount.&nbsp;</p>\n<p><em><strong>NOTE: </strong>NOT ALL POLICIES PROVIDED BY OTHER BROKERS WILL INCLUDE THIS COVERAGE. YOU NEED TO CHECK YOUR POLICY TO MAKE SURE YOU HAVE WHAT YOU NEED, OR <a href=\"/contact-us\" rel=\" noopener\">CONTACT FRONT ROW</a> AND WE CAN OBTAIN PROPER COVERAGE FOR YOU.</em></p>\n<h2 class=\"p1\">2. Auto liability covers damage to property or injury to other parties:</h2>\n<p class=\"p2\">Auto liability is the portion of the policy which is regulated by the government and, to make it more complicated, it is individually regulated by each province/territory. Below is a basic breakdown by province.</p>\n<h3 class=\"p2\">Will I need to budget for an Auto Liability policy for my production?</h3>\n<table style=\"width: 100%; margin-left: auto; margin-right: auto; border-collapse: collapse; table-layout: fixed; height: 1264px; border: 1px solid #99acc2;\">\n<tbody>\n<tr style=\"height: 97px;\">\n<td style=\"width: 20.317%; height: 97px; padding: 4px; border: 1px solid #99acc2;\" width=\"103\">\n<p style=\"font-size: 18px;\"><strong>Province:</strong></p>\n</td>\n<td style=\"width: 36.4553%; height: 97px; padding: 4px; border: 1px solid #99acc2;\" width=\"224\">\n<p style=\"font-size: 18px;\"><strong>Coverage provided by:</strong></p>\n</td>\n<td style=\"width: 42.9395%; height: 97px; padding: 4px; border: 1px solid #99acc2;\" width=\"297\">\n<p style=\"font-size: 18px;\"><strong>Do I need to buy Auto Liability?</strong></p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Newfoundland</p>\n</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td class=\"td1\" style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\" valign=\"top\">\n<p class=\"p1\">Nova Scotia</p>\n</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">PEI</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 111px;\">\n<td class=\"td1\" style=\"width: 20.317%; height: 111px; padding: 4px; border: 1px solid #99acc2;\" valign=\"top\">\n<p class=\"p1\">New Brunswick</p>\n</td>\n<td style=\"width: 36.4553%; height: 111px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 111px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Quebec</p>\n</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Ontario</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Manitoba</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Government</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Saskatchewan</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Government</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Alberta</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">BC</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Government</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">NWT</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Yukon</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n<tr style=\"height: 88px;\">\n<td style=\"width: 20.317%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">Nunavut</td>\n<td style=\"width: 36.4553%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Private insurers</p>\n</td>\n<td style=\"width: 42.9395%; height: 88px; padding: 4px; border: 1px solid #99acc2;\">\n<p class=\"p1\">Yes, if contracting a vehicle for more than 30 consecutive days.</p>\n</td>\n</tr>\n</tbody>\n</table>\n<p><i>The above-mentioned coverage outline is meant for informational purposes only and does not represent advice on coverages required.<a href=\"/contact-us\" rel=\" noopener\"><span class=\"Apple-converted-space\"> C</span>ontact us</a> if you have a specific need or question.</i></p>\n<p><strong>Auto liability is not an option</strong>; it needs to be in place for every car driven on public roads. Make sure you have the right coverage for your location and situation so production doesn’t get a ticket, or worse, be held responsible for injury to someone or damage to property.</p>\n<h2>Hired an intern or co-op student and want them to run errands in your rental car? Is that allowed?</h2>\n<p>Well, for once it’s not us being the careful ones! You will need to contact your rental company as many will have an age restriction on drivers. Some will restrict it to 21 or 25 years old, so make sure whoever is driving is actually allowed to, as it can nullify your coverage if they aren’t.</p>\n<p>Have more questions about auto coverage? Give any of our <a href=\"/contact-us\" rel=\" noopener\"><u>Front Row offices a call</u></a>!</p>\n<h2>Refer a friend to Front Row Insurance</h2>\n<p>Based on customer demand, we’ve setup our <a href=\"/referral\" rel=\" noopener\"><u>referral marketing program</u></a> and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! <em>(depending on your province)</em></p>\n<h4>Related:</h4>\n<ul>\n<li><a href=\"/articles/articles/bid/111382/film-production-companies-and-camera-cars-reducing-the-risk\" rel=\" noopener\">FILM PRODUCTION COMPANIES AND CAMERA CARS: REDUCING THE RISK</a></li>\n<li><a href=\"/articles/articles/bid/110340/film-production-insurance-and-renting-crew-personal-vehicles\" rel=\" noopener\">FILM PRODUCTION INSURANCE AND RENTING CREW PERSONAL VEHICLES</a></li>\n<li><a href=\"/articles/commercial-vehicle-physical-damage-insurance\" rel=\" noopener\">AUTOMOBILE INSURANCE FOR FILMS</a></li>\n<li><a href=\"/articles/entertainment-insurance-package-policy\" rel=\"noopener\">WHAT'S INCLUDED IN AN ENTERTAINMENT INSURANCE PACKAGE?</a></li>\n</ul>","rssSummary":"<p>Some of the most common questions we get from clients are about 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I'm renting a car (in Canada) for my movie – what do I need?

Renting vehicles when shooting a production in Canada

Some of the most common questions we get from clients are about vehicles:

  • What coverage do I need? 
  • Do I need to buy anything from the rental company?
  • Can a 20-year-old production assistant (PA) drive the car(s)?

Well, here is what you need to know about renting vehicles when shooting a production in Canada. We will break it down into two sections to explain the basics.

1. Damage to a car you are renting or are contractually required to provide coverage for while being used on production: 

The production policies we provide include coverage if you damage a vehicle while contracted by production. With most insurers, it is called Commercial Vehicle Physical Damage (CVPD)The coverage will have a limit per vehicle, so make sure that if you are renting expensive cars, your limit is high enough to cover any damage that can occur. You will also have to check the Aggregate, which is the most the policy will pay for any one occurrence (in case you damage multiple cars in one accident) and your deductible (the amount you need to pay for the damage before the insurance kicks in). Most policies will set the deductible as a percentage of the damage; for example, 10% with a minimum and maximum amount.

Your rental company will offer you a Collision or Loss Damage Waiver (CDW/ LDW) when renting a vehicle. Typically, these are about $20-$30 per vehicle/day. The CDW/LDW provides coverage for damage to the vehicle. There is no need to purchase this if you have our policies, which include the CVPD coverage. A bit of savings for your budget! However, if you are renting a couple of vehicles for a short period of time and you aren’t so sure about your crew’s driving skills, you may choose to get this coverage from the rental company because the deductible is usually a lower amount. 

NOTE: NOT ALL POLICIES PROVIDED BY OTHER BROKERS WILL INCLUDE THIS COVERAGE. YOU NEED TO CHECK YOUR POLICY TO MAKE SURE YOU HAVE WHAT YOU NEED, OR CONTACT FRONT ROW AND WE CAN OBTAIN PROPER COVERAGE FOR YOU.

2. Auto liability covers damage to property or injury to other parties:

Auto liability is the portion of the policy which is regulated by the government and, to make it more complicated, it is individually regulated by each province/territory. Below is a basic breakdown by province.

Will I need to budget for an Auto Liability policy for my production?

Province:

Coverage provided by:

Do I need to buy Auto Liability?

Newfoundland

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

Nova Scotia

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

PEI

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

New Brunswick

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

Quebec

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

Ontario

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

Manitoba

Government

No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.

Saskatchewan

Government

No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.

Alberta

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

BC

Government

No, unless you wish to increase the limit provided by the rental company. Coverage is provided for a vehicle when purchasing / renewing the license plate.

NWT

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

Yukon

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

Nunavut

Private insurers

Yes, if contracting a vehicle for more than 30 consecutive days.

The above-mentioned coverage outline is meant for informational purposes only and does not represent advice on coverages required. Contact us if you have a specific need or question.

Auto liability is not an option; it needs to be in place for every car driven on public roads. Make sure you have the right coverage for your location and situation so production doesn’t get a ticket, or worse, be held responsible for injury to someone or damage to property.

Hired an intern or co-op student and want them to run errands in your rental car? Is that allowed?

Well, for once it’s not us being the careful ones! You will need to contact your rental company as many will have an age restriction on drivers. Some will restrict it to 21 or 25 years old, so make sure whoever is driving is actually allowed to, as it can nullify your coverage if they aren’t.

Have more questions about auto coverage? Give any of our Front Row offices a call!

Refer a friend to Front Row Insurance

Based on customer demand, we’ve setup our referral marketing program and if you refer a friend to Front Row, you could win a $15 Amazon eGift Card OR be entered into a random draw to win a $99 Amazon eGift Card! (depending on your province)

Related:

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