diff --git a/bookings/transport/car-rental.md b/bookings/transport/car-rental.md
index ab6bc5a..baffccd 100644
--- a/bookings/transport/car-rental.md
+++ b/bookings/transport/car-rental.md
@@ -29,7 +29,7 @@
 - **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.
 - **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.
+- **Liability:** AmEx provides none. RoadStar provides up to CA$1 million for the rental. ICBC's official guide also says the CA$5 million Owner's Certificate liability can transfer to a rental as excess coverage, subject to conditions; it does not replace RoadStar or remove the spouse-permitted-driver condition.
 
 **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.