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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 75925 times)

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Re: Credit Card Car Rental Insurance
« Reply #930 on: Today at 03:15:19 PM »
car insurance you mean from the CC?
To clarify it was in Vienna where I'm not covered by my regular car insurance. I used amex plat which should cover, my question is if my contract had CDW from xrentalcars.com with a 1000 deductible, would that impact my coverage from Amex. If yes what are my other options? Can I use all the Google reviews as proof that they claim is just a scam?
I don't understand, who's contract has a $1000 deductable?

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Re: Credit Card Car Rental Insurance
« Reply #931 on: Today at 03:17:24 PM »
I totally believe you, but they have a car rental rating of 7.4 / 10 which is not bad at all.
Look at what you signed. Does it say an amount for instance.
If you signed for $1000 and they charge $1000 it will be harder than if you get charged less = the amount is not the one you signed, and you could say you were informed it's $18.

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Re: Credit Card Car Rental Insurance
« Reply #932 on: Today at 03:17:57 PM »
I don't understand, who's contract has a $1000 deductable?
I believe in Israel it's often much higher

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Re: Credit Card Car Rental Insurance
« Reply #933 on: Today at 03:23:11 PM »
I believe in Israel it's often much higher
So the issue is that he didn't decline CDW, and the rental agreement has a $1000 deductable. Therefore the rental has nothing to do with amex.

He can try to dispute the charge on his amex but i don't see him winning because ppl claim that the company ripped them off

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Re: Credit Card Car Rental Insurance
« Reply #934 on: Today at 03:23:37 PM »
I don't understand, who's contract has a $1000 deductable?
@SuperFlyer introduced me a while back using his app to a third party site xrentalcars.com which has saved me quite a few bucks.
When selecting cars they offer different perks from different companies for example a free additional driver or in my case a
free additional driver
Tax Included
Airport fee Included
Unlimited mileage Included
Collision damage waiver (CDW) Included
Theft waiver (TW) Included
Third party liability protection (TP) Included

Not Included
 Damage Waiver Liability EUR 1000.00
In the event of damage to the rental vehicle, you will be liable for up to the first EUR 1000.00 of costs and the standard vehicle insurance policy will cover the rest. Please note, you must have this amount available on your credit card at the time of pick up in order to pay for any damage to the rental vehicle that may occur during your rental period
A smooth sea never made a skilled sailor.

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Re: Credit Card Car Rental Insurance
« Reply #935 on: Today at 03:24:21 PM »
So the issue is that he didn't decline CDW, and the rental agreement has a $1000 deductable. Therefore the rental has nothing to do with amex.

He can try to dispute the charge on his amex but i don't see him winning because ppl claim that the company ripped them off
Does it make a difference if paid with amex

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Re: Credit Card Car Rental Insurance
« Reply #936 on: Today at 03:26:21 PM »
@SuperFlyer introduced me a while back using his app to a third party site xrentalcars.com which has saved me quite a few bucks.
When selecting cars they offer different perks from different companies for example a free additional driver or in my case a
free additional driver
Tax Included
Airport fee Included
Unlimited mileage Included
Collision damage waiver (CDW) Included
Theft waiver (TW) Included
Third party liability protection (TP) Included

Not Included
 Damage Waiver Liability EUR 1000.00
In the event of damage to the rental vehicle, you will be liable for up to the first EUR 1000.00 of costs and the standard vehicle insurance policy will cover the rest. Please note, you must have this amount available on your credit card at the time of pick up in order to pay for any damage to the rental vehicle that may occur during your rental period
You didn't know about a deductible when you rented?
 

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Re: Credit Card Car Rental Insurance
« Reply #937 on: Today at 03:31:23 PM »
You didn't know about a deductible when you rented?
Unless I'm mistaken two things happened:
1. The rental company is very aggressive on scratches etc.
2. You didn't do so well for homework concerning the insurance it seems.

If you'd tell me before returning, I probably would have had a solution.

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Re: Credit Card Car Rental Insurance
« Reply #938 on: Today at 03:32:27 PM »
You didn't know about a deductible when you rented?
didn't notice it. Once I saw that CDW/TP is included I didn't bother to check further foolish mistake on my end just as it was a foolish mistake not to check the reviews of the rental company BEFORE renting..
A smooth sea never made a skilled sailor.

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Re: Credit Card Car Rental Insurance
« Reply #939 on: Today at 03:35:46 PM »
Unless I'm mistaken two things happened:
1. The rental company is very aggressive on scratches etc.
2. You didn't do so well for homework concerning the insurance it seems.

If you'd tell me before returning, I probably would have had a solution.
unfortunately guilty as charged.
And I didn't think it would be a problem since like I said  i am 100% sure I didn't scratch the car.

My question is with so many terrible reviews all saying the same thing wouldn't that be some sort of backing to my story that I didn't put those scratchs?
A smooth sea never made a skilled sailor.

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Re: Credit Card Car Rental Insurance
« Reply #940 on: Today at 03:38:35 PM »
didn't notice it. Once I saw that CDW/TP is included I didn't bother to check further foolish mistake on my end just as it was a foolish mistake not to check the reviews of the rental company BEFORE renting..
The general reviews shows actually pretty decent results.
Google ratings 3.2
seems like this location they are misbehaving.
A shame that it seems my app is to blame.
You can rent by hertz, avis, and all major ones.

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Re: Credit Card Car Rental Insurance
« Reply #941 on: Today at 03:39:41 PM »
Can I ask you how much the charge is.