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There are no Credit Cards that will cover Liability.
Visa, Amex, MasterCard and Discover will cover Loss Damage Waiver / Collision (CDW/LDW)

Cards that cover CDW/LDW in Israel:
Chase: Sapphire Preferred ($95 annual fee)
Discover (accepted in Israel as Diners' Club): More, Open Road, Miles, Motiva (none have annual fees)   Policy link

You must present at the time of rental a copy of your policy or a document from the CC company stating that the insurance coverage applies to Israel . You will still have to purchase 3rd Party Liability, but you will save some shekels and have no deductible for damages.

Visa phone number : 800-VISA-911

Visa does NOT cover:
  • Cadillac Escalade
  • Mercedes GL series (they do cover GLK)
  • Mercedes E class
  • Corvettes
  • Camaro ZL1

AMEX premium will charge $24.95 per rental and they cover:
  • Up to $100K for damage or theft and accidental death or dismemberment coverage ($250,000 for California residents), up to $15,000 for excess medical expenses per person, and up to $5,000 for excess personal property coverage ($15,000 for Florida residents)
  • Any car from Mercedes, pickup trucks, Porsche and 15 passenger vans.
  • There's no need to pay for the full amount with money, even if it's with points or coupon rental and you pay just $2 fees they will still cover you.

« Last edited by myi on March 26, 2016, 09:49:59 PM »

Author Topic: Credit Card Car Rental Insurance  (Read 67908 times)

Offline Saver2000

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Re: Credit Card Car Rental Insurance
« Reply #75 on: March 12, 2012, 07:20:23 PM »
All it says is that other drivers that are permitted as per the rental contract, so if the rental contract allows other drivers without their names being listed then you're still covered and if the rental contract needs drivers listed then it'll only cover if they're listed.

I would be very careful with this. I doubt the cc company wont give a hard time if the driver isn't on the contract.

The rental agency rules are for them, not the cc company.

I hope what I'm saying is incorrect bec I know many people that rely on that rule.
E.g. hertz policy is that anybody thats part of the corporation/association of the cdp number used, is allowed to drive the car.
That mean that if use USAA or BMG corporate account for the rental,  anybody signed up with BMG or USAA can drive the car.

I doubt the cc company would just cover any driver associated with the corporation. Someone please CMIIW


Offline lybbtthl

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Re: Credit Card Car Rental Insurance
« Reply #76 on: March 12, 2012, 07:27:56 PM »
That mean that if use USAA or BMG corporate account for the rental,  anybody signed up with BMG or USAA can drive the car.
That is wrong; I contacted Hertz specifically regarding the USAA CDP and they told me that all drivers need to be added the only benefit is that they won't charge you an additional driver fee or underage fee

Offline mclovin

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Re: Credit Card Car Rental Insurance
« Reply #77 on: March 12, 2012, 07:48:02 PM »
That is wrong; I contacted Hertz specifically regarding the USAA CDP and they told me that all drivers need to be added the only benefit is that they won't charge you an additional driver fee or underage fee
well i have actually rented from them and they couldnt figure out how to get the second driver on the reservation bec we were both under 21. they said dont worry you can drive even if not on the reservation and let us go

Offline lybbtthl

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Re: Re: Credit Card Car Rental Insurance
« Reply #78 on: March 12, 2012, 08:08:43 PM »
well i have actually rented from them and they couldnt figure out how to get the second driver on the reservation bec we were both under 21. they said dont worry you can drive even if not on the reservation and let us go
They told me that twice as well, but it doesn't say that anywhere and in the event of an insurance claim they're likely to make issues

Offline SGF

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Re: Credit Card Car Rental Insurance
« Reply #79 on: March 13, 2012, 12:44:55 AM »
well i have actually rented from them and they couldnt figure out how to get the second driver on the reservation bec we were both under 21. they said dont worry you can drive even if not on the reservation and let us go
correct, as far as driving you are allowed to drive even if you are not on the contract
but as far as insurance if you are relaying on the CC it depends if the CC covers 2nd drivers not listed on the contract and it dosent have to do if the rental company lets.

Offline Saver2000

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Re: Credit Card Car Rental Insurance
« Reply #80 on: March 13, 2012, 01:03:38 AM »
correct, as far as driving you are allowed to drive even if you are not on the contract
but as far as insurance if you are relaying on the CC it depends if [
 the CC covers 2nd drivers not listed on the contract
and it dosent have to do if the rental company lets.

Now that's a big if . I highly doubt the cc would cover a driver not on the contract.  (Unless its a spouse or something )

Offline SGF

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Re: Credit Card Car Rental Insurance
« Reply #81 on: March 13, 2012, 01:55:42 AM »
Now that's a big if . I highly doubt the cc would cover a driver not on the contract.  (Unless its a spouse or something )
+1
but 'lybbtthl' claims that on his CC it does allow, i guess that CC is a expetion.

Offline lybbtthl

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Re: Credit Card Car Rental Insurance
« Reply #82 on: March 13, 2012, 02:26:53 AM »
correct, as far as driving you are allowed to drive even if you are not on the contract
but as far as insurance if you are relaying on the CC it depends if the CC covers 2nd drivers not listed on the contract and it dosent have to do if the rental company lets.
According to my email conversation from Hertz you aren't even allowed to drive if you're not on the contract.
Whenever a CC CDW allows other drivers it never says they have to be listed, all it says is they need to be authorized by the rental agency, for example, a spouse need not be registered but CC CDW will still cover

Offline Saver2000

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Re: Credit Card Car Rental Insurance
« Reply #83 on: March 13, 2012, 02:52:51 AM »
According to my email conversation from Hertz you aren't even allowed to drive if you're not on the contract.
Whenever a CC CDW allows other drivers it never says they have to be listed, all it says is they need to be authorized by the rental agency, for example, a spouse need not be registered but CC CDW will still cover

Bad example.  Spouses' fall into a different category.  Almost (if not all) rental agencies allow a spouse to drive without actually having to be on the contract . They are automatically including.


Offline lybbtthl

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Re: Credit Card Car Rental Insurance
« Reply #84 on: March 13, 2012, 02:57:32 AM »
Bad example.  Spouses' fall into a different category.  Almost (if not all) rental agencies allow a spouse to drive without actually having to be on the contract . They are automatically including.
On the contrary, that is the prime example. The CC CDW covers anyone the contract permits whether listed by name or not.

Here is a quote from Hertz:
Quote
Authorized Operators

Acceptable Authorized Operators age 25 and older are automatically covered on the Rental Agreement.
Authorized Operators are:
- The employer, employee or fellow employee of renter on company business, (when booking includes company Corporate Discount Number).
- The renter's spouse for rentals that originate in California or or Iowa.
- Authorized Operators do not have to be present at time of rental.
- There are no fees for Authorized Operators.
 
Additional Authorized Operators
- Individuals not automatically covered on the Rental Agreement as Authorized Operators noted above may be signed on as an "Additional Authorized Operator" (AAO).  AAO's must be present and may be signed on to the rental agreement at the time of rental or during the rental at any US corporate location.
- Renter and each AAO must be present to sign Rental Agreement, present an acceptable credit card or debit card (if renting city accepts debit cards) in their own name, or a current round-trip ticket (air, train or bus), show valid driver's license, and must be a minimum of 21 years of age.  For those 21 through 24 the location's age differential will apply.
Regardless if you are an "AO" or "AAO" the CC CDW will cover you
FTR USAA members are considered AAOs and have to be signed on

Offline Saver2000

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Re: Credit Card Car Rental Insurance
« Reply #85 on: March 13, 2012, 03:08:14 AM »

Here is a quote from Hertz:Regardless if you are an "AO" or "AAO" the CC CDW will cover you
FTR USAA members are considered AAOs and have to be signed on

First of all what's FTR?

Second of all, what do you mean when you say 'AAO'?
A) Acceptable authorized operators
B) Additional authorized operator

Thirdly,  don't your two lines in the last post contradict each other?   ???

Offline Saver2000

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Re: Credit Card Car Rental Insurance
« Reply #86 on: March 13, 2012, 03:14:31 AM »
Here is a quote from Hertz

Weren't we discussing from the cc point of view? Didn't we start out by saying that not necessarily does the hertz rules pertain to the cc company?
If so, how does your quote from hertz help prove anything??

Offline lybbtthl

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Re: Credit Card Car Rental Insurance
« Reply #87 on: March 13, 2012, 03:19:56 AM »
Weren't we discussing from the cc point of view? Didn't we start out by saying that not necessarily does the hertz rules pertain to the cc company?
If so, how does your quote from hertz help prove anything??
We were discussing whether or not you need to be signed on the contract. As far as the CC, you need to be allowed by Hertz (or whichever rental company)

Offline A3

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Credit Card Car Rental Insurance
« Reply #88 on: March 30, 2012, 10:45:13 AM »
What's the best way to get primary cdw on an Avis rental using AA Miles? I will
Be paying the taxes and fees with a CC

Offline MnM1130

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Re: Credit Card Car Rental Insurance
« Reply #89 on: April 30, 2012, 03:38:18 AM »
my dad is renting a car in italy.. he has a cc from capital one. Called them to ask them what insurance covers and they said damage done to the rental car- not to other cars. it covers CDW. What other insurance will i have to take out in order to be covered in case of accident or the such. Its a rental from hertz for a week quoting 300$ including theft protection. Anyone know about italy coverage? I will call hertz but i feel ill get a better answer from pple with experience... He also has an amex plat if that makes it better to rent with (and pay for insurance from them?)... just kinda lost here...