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transport: separate ICBC and AmEx driver rules

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Philip Jennings committed 2026-09-21 01:27:36 -07:00
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bookings/transport/car-rental.md
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## 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.
- **ICBC 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. ICBC requires LK to be shown or included as a permitted driver on the rental contract; the current agreement lists MS only.
- **AmEx Cobalt / MS's card:** eligible rental theft/damage coverage has no deductible. AmEx covers secondary drivers whether or not listed; LK qualifies as a spouse/authorized driver under California law. AmEx does not cover third-party liability or injuries. The 2026 Chevrolet Traverse is below the CA$85,000 MSRP limit.
- **Liability:** RoadStar only; AmEx provides none.
**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.
**ICBC 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).