diff --git a/bookings/transport/car-rental.md b/bookings/transport/car-rental.md
index 4e9a630..b0c0b7b 100644
--- a/bookings/transport/car-rental.md
+++ b/bookings/transport/car-rental.md
@@ -24,6 +24,13 @@
 | **Cancellation** | Free before pickup on 2026-09-20 |
 | **Confirmation** | 9739014160 |
 
+## Insurance summary — user-confirmed 2026-09-21
+
+- **ICBC:** Basic insurance, CA$5 million liability, collision (CA$1,000 deductible), comprehensive (CA$300 deductible / CA$200 windshield), and active RoadStar; MS and LK are listed drivers.
+- **RoadStar for this rental:** up to CA$1 million rental liability; rental damage/theft with CA$300 deductible; loss of use up to CA$250.
+- **AmEx Cobalt:** MS's card paid SIXT. Eligible rental theft/damage coverage has no deductible; it does not cover third-party liability or injuries. The 2026 Chevrolet Traverse is below the CA$85,000 MSRP limit.
+- **Driver condition:** LK must be added to the SIXT agreement in writing before driving.
+
 **Driver action:** have SIXT add LK as a permitted driver in writing before she drives. She should bring her valid physical licence and photo ID.
 
 **Latest status (2026-09-20):** MS collected the Chevrolet Traverse at 13:50 PDT. The agreement lists no additional driver. See [the earlier status email](../../sources/transport/2026-09-20_SIXT_Checkin_Status.md).