Rent a car with BMO Rewards points

To the point Explains the process of renting a car with BMO Rewards points (and insurance) from Nice airport

Now that the flights to Europe have been booked, let’s look at renting a car with BMO Rewards points from Nice Airport on the French Riviera.

Rent a car with BMO Rewards points

My main card for everyday spending is the BMO World Elite MasterCard. My wife and I have been using it for almost 3 years now and have accumulated many BMO Rewards points. bmo awards e1462105846655

bmo world elite 1

A significant portion of these points was earned through the generous sign-up bonus (30,000 points), the other through our everyday spending thanks to the 2% accumulation rate this card offers (2 points / dollar at all stores).

On the BMO Rewards online site

I first did my search from the BMO Rewards site. Compared to other sites, BMO offered me very good rates online for a fairly complex rental:

Rent from Nice airport
Returning the vehicle to Strasbourg
For a duration of 11-12 days
With a vehicle spacious enough to accommodate our luggage, the stroller, the car seat…

My choice is a Renault Scenic (the equivalent of a Dodge Caravan).

rent scenic

The BMO website offered me the following airport-to-airport rates:

bmo car rental

665 for a mid-size vehicle is pretty reasonable. The rental company being Europcar, it is easy to check if my price is correct by visiting directly the website of this rental company.

The rate displayed on Europcar.fr is 1233 euros for the same route and the same category of vehicle!

europcar

europcar public price

Looking around on various sites, I can’t find anything cheaper than BMO – except on sites I don’t trust.

The problem: I don’t want to return the car to Strasbourg Airport… but to the Strasbourg train station! And the BMO site does not work when I select this destination. So I had to call BMO Rewards.

By phone

No waiting to reach a BMO Rewards representative. In fact, AIMIA – the company that manages the Aeroplan program – also manages the BMO Rewards program.

Once the problem was explained, the advisor also told me that it was not possible to choose the Strasbourg station… but that he would try with another travel provider.

And indeed, with the other provider it works and the rate is even lower than what I had done by myself from the site. In fact, AIMIA / BMO use many different travel providers and cannot display them on the BMO Rewards site.

Explaining that I was blogging about rewards programs, the advisor invited me to spread the word: it’s often better to call to make sure you get the best rate, often lower than the online site! However, a $30 fee applies if you could have made the exact same reservation as on the BMO Rewards site.

The final cost of my car rental in France will therefore be CA$599.76, or 59,976 BMO Rewards points, which will be deducted immediately from my BMO Rewards account.

Why I prefer to book through BMO Rewards

If you’re a BMO World Elite MasterCard holder like me, it’s great to use your BMO Rewards points for a car rental.

Indeed, this card offers excellent insurance coverage, which allows you to refuse those – often very expensive – proposed by the rental companies. The terms and conditions of the card’s insurance contract state that in order to be covered, you must have paid for the entire car rental with your card (either in cash OR in BMO Rewards points).

bmo car insurance — Section 4-1-3 of the BMO World Elite MasterCard – BMO Rewards Insurance Policy

Now imagine that I would have used points/miles from another program (Aeroplan, British Airways…): it would have been impossible for me to have insurance coverage with a credit card! At least not with the BMO World Elite MasterCard.

If you are using miles / points from a rewards program, I recommend that you always book the remaining portion / taxes with a credit card affiliated with the program in question. This will give you a better chance of being covered by insurance (read your insurance contract carefully)!

The total cost of this car rental in France

In total, this car rental will have cost me 59,976 BMO Rewards points, points that were obtained through the 30,000 point ($300) sign-up bonus for the card, which I had obtained for free during a promotion. I was able to save nearly $600 here!