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DansDeals Forum => On The Road => Topic started by: ilikedeals on January 04, 2011, 11:20:19 PM

Title: Credit Card Car Rental Insurance
Post by: ilikedeals on January 04, 2011, 11:20:19 PM
Hey.. does anyone know of any credit cards that will cover all car rental insurance??
Title: Re: Car Insurance
Post by: gozalim on January 04, 2011, 11:46:35 PM
there is no credit card that covers liabilty
all cards cover damage (cdw) as secondary
Amex for $20-25 per rental covers damage primary
world MC covers cdw in Israel (1 country that almost no company covers)
Title: Re: Car Insurance
Post by: Dan on January 05, 2011, 02:39:16 AM
there is no credit card that covers liabilty
all cards cover damage (cdw) as secondary
Amex for $20-25 per rental covers damage primary
world MC covers cdw in Israel (1 country that almost no company covers)
CO Onepass Plus  (http://www.dansdeals.com/go/onepass/)has free primary insurance.
Not valid in Israel though.
Title: Re: Car Insurance
Post by: abe1 on January 14, 2011, 10:01:28 AM
any idea if a car rental is made thru priceline if it will be coverd with cdw insurance from the credit card you pay pricline?
Title: Re: Car Insurance
Post by: Bh101 on January 14, 2011, 01:48:43 PM
as long as u decline the cdw from the rental company and pay and reserve the rental on the credit card then yes it covers it. but as dan said the onepass covers as primary insurance.
Title: Re: Car Insurance
Post by: Avid Reader on January 15, 2011, 07:38:36 PM
any idea if a car rental is made thru priceline if it will be coverd with cdw insurance from the credit card you pay pricline?
I did one through Travelocity. I called AMEX later and they confirm,ed that it was covered, but I would always call the CC to notify them that it's a car rental to b sure ur covered.
Title: Re: Car Insurance
Post by: moe on January 15, 2011, 08:40:22 PM
so for free coverage for a rental in the us (i have a rental tomorrow) is it beeter to use my citi Aadvantage Mc, or amex gold card?
Title: Re: Car Insurance
Post by: Dan on January 15, 2011, 08:49:23 PM
so for free coverage for a rental in the us (i have a rental tomorrow) is it beeter to use my citi Aadvantage Mc, or amex gold card?
Do you have your own car insurance policy?
Title: Re: Car Insurance
Post by: moe on January 15, 2011, 09:35:41 PM
Do you have your own car insurance policy?
yes. why?
Title: Re: Car Insurance
Post by: Dan on January 15, 2011, 09:40:33 PM
yes. why?
Then neither of those cards will cover you as they only help you if your own insurance won't cover it.

You either need the CO Onepass Plus (http://www.dansdeals.com/go/onepass/) which has free primary insurance or you need to pay the $20/rental AMEX fee to make an AMEX primary insurance.

Title: Re: Car Insurance
Post by: smurf on January 17, 2011, 02:41:41 PM
Then neither of those cards will cover you as they only help you if your own insurance won't cover it.

You either need the CO Onepass Plus (http://www.dansdeals.com/go/onepass/) which has free primary insurance or you need to pay the $20/rental AMEX fee to make an AMEX primary insurance.
They will cover the deductible and administrative fees if applicable.
Title: Re: Car Insurance
Post by: gozalim on January 17, 2011, 02:53:35 PM
They will cover the deductible and administrative fees if applicable.
but the rest of the damages will be charged to your insurance, which can affect your rates...
Title: Re: Credit Card Car Rental Insurance
Post by: andrew on February 16, 2011, 05:53:40 PM
is it recomended to take out liability insurance?
Title: Re: Credit Card Car Rental Insurance
Post by: Bh101 on February 16, 2011, 07:15:22 PM
yes
Title: Re: Credit Card Car Rental Insurance
Post by: hocker on February 16, 2011, 10:50:59 PM
yes
yes
why? Are you an insurance agent? Or perhaps a lawyer?
Title: Re: Credit Card Car Rental Insurance
Post by: Bh101 on February 17, 2011, 12:28:32 AM
no, bbut i do have plenty of experience and have done alot of research on the subject......why are u so full of hate? we just try to help here, if u have nothing good to say you dont have to make  a comment
Title: Re: Credit Card Car Rental Insurance
Post by: ? on February 17, 2011, 12:33:01 AM
+100000
Title: Re: Credit Card Car Rental Insurance
Post by: hocker on February 17, 2011, 09:10:23 AM
no, bbut i do have plenty of experience and have done alot of research on the subject......why are u so full of hate? we just try to help here, if u have nothing good to say you dont have to make  a comment
it just irks me when people give advice without any reasoning. Why should a single person with not a cent to his name buy liability insurance?
Title: Re: Credit Card Car Rental Insurance
Post by: elikay on February 17, 2011, 10:50:17 AM
I think hocker is making $en$e here.
Title: Re: Credit Card Car Rental Insurance
Post by: hocker on February 17, 2011, 01:10:21 PM
I think hocker is making $en$e here.
thanks for the support. Congrats on your post #1000!
Title: Re: Credit Card Car Rental Insurance
Post by: shmiel on February 17, 2011, 01:47:56 PM
A lot of this argument actually depends where the rental is. So a unqualified "yes" to buying liability is IMO wrong. Rental car companies are required to cover the bare minimum and that varies from state to state, I think certain places can be as low as $5000. If renting in such a state then I would recommend buying liability, but if the state requires higher minimums then maybe its not worth it. Also, as stated in earlier posts, if you have your own insurance everything else is secondary, unless you buy liability.
Title: Re: Credit Card Car Rental Insurance
Post by: Bh101 on February 17, 2011, 02:06:18 PM
it just irks me when people give advice without any reasoning. Why should a single person with not a cent to his name buy liability insurance?
i'll tell u y, they max out at $10,000 per person. which means that when ur in an accident forget about the damage to the car, just the ride to the hospital is a $1,000 by the time the guy comes out ur in debt for hundreds of thousands of dollars (assuming that it ur fault, which is when u need liability)  so when u tell me "hey the guys broke we dont need insurance, i feel thats a little crazy and then u also have to pay for his car so if the guys  driving a car that cost more than $10,000 ur in trouble. one last thing that i'll point out is that the paper work and court that will happen wen u dont have the money is worth the 12 dollars a day extra for insurance.
Title: Re: Credit Card Car Rental Insurance
Post by: Bh101 on February 17, 2011, 02:09:36 PM
it just irks me when people give advice without any reasoning.
I think hocker is making $en$e here.
the question was a yes or no question, Andrew didnt ask for a reason
Title: Re: Credit Card Car Rental Insurance
Post by: hocker on February 17, 2011, 03:23:01 PM
the question was a yes or no question, Andrew didnt ask for a reason
when the znswer isn`t a clear yes according to all opinions, it requires reasoning how you came to your conclusion.
Title: Re: Credit Card Car Rental Insurance
Post by: harry on February 27, 2011, 02:25:47 AM
when the znswer isn`t a clear yes according to all opinions, it requires reasoning how you came to your conclusion.

It is not such a clear subject.

on the one hand, it is state mandatory for EVERY car on the road to have liability insurance. The liability insurance which you purchase from most rental agencies is up to $1,000,000.

the question is only, how much is the state minimum.

interesting though, about 5 years ago, i rented a car from enterprise. they asked if i wanted liability, so i said i will go with the state minimum. the rep then told me that although they have minimum liability on the car, i will only receive it if i buy theirs. (sounded like a load of crap!)

BTW, for those who own a car, in most cases you are automatically covered for a rental. just call up to confirm.
Title: Re: Credit Card Car Rental Insurance
Post by: ilikedeals on May 05, 2011, 06:21:32 PM
CO Onepass Plus  (http://www.dansdeals.com/go/onepass/)has free primary insurance.
Not valid in Israel though.





Been a while since i started this topic.. but everytime i am confused.. i have the CO Onepass.. if i use it, it covers the primary... what is it not covering? and do i need it? i have geico.. will that cover what i need....
Title: Re: Credit Card Car Rental Insurance
Post by: Yosel on May 05, 2011, 06:35:04 PM
there is no credit card that covers liabilty
all cards cover damage (cdw) as secondary
Amex for $20-25 per rental covers damage primary
world MC covers cdw in Israel (1 country that almost no company covers)
will they cover in Israel?
Title: Re: Credit Card Car Rental Insurance
Post by: elikay on May 05, 2011, 07:24:15 PM
if you use geico your premiums can go up
Title: Re: Credit Card Car Rental Insurance
Post by: ChAiM'l on May 06, 2011, 01:22:34 PM
Does anyone know if I made a claim on my AMEX (plat), how long it usually takes to go through? I was going to cancel the card, and now it seems I'm going to have to keep it open until the claim is finished.
Title: Re: Credit Card Car Rental Insurance
Post by: sun365 on May 15, 2011, 02:40:07 AM
So if I have GEICO and use the CO OnePass will the CO OnePass conver the liab?
Title: Re: Credit Card Car Rental Insurance
Post by: springles on May 15, 2011, 02:57:35 AM
So if I have GEICO and use the CO OnePass will the CO OnePass conver the liab?
I do not believe so.  As far as i understand, the only way to get liability coverage not thru your existing insurance is to pay the 10-20 a day insurance fee.
Title: Re: Credit Card Car Rental Insurance
Post by: sprint on December 29, 2011, 02:09:17 PM
(yes i know - opening old thread)
Does anyone know the rules in the state of FL with regards to liability insurance? Is it state mandated a decent minimal coverage?  to be clear, if  person has no car insurance,  do they need to buy ldw in fl for a car rental or is there a way around it? (like canada, and ny)
Title: Re: Credit Card Car Rental Insurance
Post by: Cbs on December 29, 2011, 02:26:51 PM
(yes i know - opening old thread)
Does anyone know the rules in the state of FL with regards to liability insurance? Is it state mandated a decent minimal coverage?  to be clear, if  person has no car insurance,  do they need to buy ldw in fl for a car rental or is there a way around it? (like canada, and ny)
liability or LDW? they are two diff things. or are u asking two separate questions?

and have you checked these threads?
Liability insurance questions (http://forums.dansdeals.com/index.php?topic=12305.0)
What insurance do u buy when renting (http://forums.dansdeals.com/index.php?topic=10485.0)
Title: Re: Credit Card Car Rental Insurance
Post by: lybbtthl on January 19, 2012, 11:24:19 PM
After flipping through the T&C booklets for the CDW benefits from quite a few cards, I noticed that there are quite a lot of differences from one to the next, just a few to point out:

There are definitely more differences, but this is all I can come up with now

Title: Re: Credit Card Car Rental Insurance
Post by: lybbtthl on January 20, 2012, 01:08:27 AM
to clarify some of the differences

I wrote most are secondary rather than all because there are more than 1 cc that has primary besides CO OPP
also I wrote most regarding Israel as there are a few that do cover Israel besides WMC, PenFed AMEX IIRC covers Israel
Title: Re: Credit Card Car Rental Insurance
Post by: gozalim on January 20, 2012, 01:19:20 AM
sorry, I stand corrected, my post is deleted.
btw,
I wrote most are secondary rather than all because there are more than 1 cc that has primary besides CO OPP
which ones? (not challenging, just would like to know)
Title: Re: Credit Card Car Rental Insurance
Post by: lybbtthl on January 20, 2012, 05:01:40 AM
sorry, I stand corrected, my post is deleted.
btw,which ones? (not challenging, just would like to know)

Can't remember any off hand, I just remember hearing that there are more than one, what about the CO PP?
Title: Re: Credit Card Car Rental Insurance
Post by: Jkhein on January 20, 2012, 06:32:37 AM
In Israel, you save very little money by using the credit card insurance, because they make you take a different insurance than, that is more expensive by its own. Its already been discussed where it belongs.
Title: Re: Credit Card Car Rental Insurance
Post by: Saver2000 on January 20, 2012, 08:23:51 AM
In Israel, you save very little money by using the credit card insurance, because they make you take a different insurance than, that is more expensive by its own. Its already been discussed where it belongs.

Huh? What ae you talking about?
Title: Re: Credit Card Car Rental Insurance
Post by: Jkhein on January 20, 2012, 09:42:07 AM
Huh? What ae you talking about?
Thats what I find with my rentals in Israel. No big savings at all. Because they add on TP coverage which isnt cheap.
Title: Re: Credit Card Car Rental Insurance
Post by: yossi4k on January 20, 2012, 10:38:36 AM
It is not such a clear subject.

on the one hand, it is state mandatory for EVERY car on the road to have liability insurance. The liability insurance which you purchase from most rental agencies is up to $1,000,000.

the question is only, how much is the state minimum.

interesting though, about 5 years ago, i rented a car from enterprise. they asked if i wanted liability, so i said i will go with the state minimum. the rep then told me that although they have minimum liability on the car, i will only receive it if i buy theirs. (sounded like a load of crap!)BTW, for those who own a car, in most cases you are automatically covered for a rental. just call up to confirm.
A guy who was 'in the know' explained to me how enterprise gets around the state minimum. Basically Enterprise writes up their own insurance policies and they include  a clause in the policy that if one were to rent a car without buying the liability they would be covered up to state minimum. But in a case of an accident, Enterprise reserves the right to sue the the renter in court at a later date.. So they're forcing you to buy their insurance while complying with the state minimum.
In my experience Avis and Hertz will tell you that your covered till the state minimum and Dollar Budget etc will say you have no coverage. Whether its true or not , I dont know. With Avis though I know someone who was involved in an accident without buying liability and Avis paid fully for it.
Title: Re: Credit Card Car Rental Insurance
Post by: Dan on January 20, 2012, 11:39:25 AM
In Israel, you save very little money by using the credit card insurance, because they make you take a different insurance than, that is more expensive by its own. Its already been discussed where it belongs.
You still do save money with a MCW even with the LI insurance they force you to buy regardless and the CDW they force you to buy without a MCW comes with a deductible, so if they claim you made a scratch you will be fully responsible for it.
With a valid MCW the cc will pay for it.
Title: Re: Credit Card Car Rental Insurance
Post by: Dan on January 20, 2012, 11:40:23 AM
Can't remember any off hand, I just remember hearing that there are more than one, what about the CO PP?
Well of course, the CO PP is the premium version of CO OPP (http://www.dansdeals.com/go/onepassplus/) and has all its basic benefits and more.
UA MPE (http://www.dansdeals.com/go/unitedexplorer) also has primary CDW.
None of those work in Israel though.
Title: Re: Credit Card Car Rental Insurance
Post by: lybbtthl on January 20, 2012, 12:45:30 PM
In Israel, you save very little money by using the credit card insurance, because they make you take a different insurance than, that is more expensive by its own. Its already been discussed where it belongs.

I've seen it it many places that if you decline CDW in Israel they make you take some sort of 3rd Party Insurance, but no one on this forum discusses any details about it, what kind of money is it it? are there any deductibles?
Title: Re: Credit Card Car Rental Insurance
Post by: zalmanb on January 23, 2012, 07:21:52 PM
hi
i am renting a car in Australia and have a few CC's 1. Chase mileage plus Visa 2. SPG 3. AMEX plat 4. Citi Advantage AMEX.
what is the best card to use for insurance? whats it cover and do I have to pay for additional?
thank you
Title: Re: Credit Card Car Rental Insurance
Post by: lybbtthl on January 23, 2012, 07:54:07 PM
hi
i am renting a car in Australia and have a few CC's 1. Chase mileage plus Visa 2. SPG 3. AMEX plat 4. Citi Advantage AMEX.
what is the best card to use for insurance? whats it cover and do I have to pay for additional?
thank you

Car insurance in Australia works totally different than most places in general, especially with rental cars. Rental cars are fully insured without you paying anything, but they have a very high excess/deductable regardless of damage to the rental car or to a 3rd party. The only options they give you are excess reducers, either partial or complete, and there is no option of what cover you want (as in 3rd party or collision) it's either all or none.

Provided your credit card CDW includes Australia (AMEX's won't and IIRC Chase Visa will and I don't know about Citi AMEX), you should be able to claim damages done to the car and not have to pay the rental company's huge excess. I know someone who successfully claimed a damage to the rental car in Australia made on a Chase MileagePlus Visa. The only thing is, you still aren't covered for 3rd party since you can't choose what cover you want, it's either all or none, and if you take the insurance, then you don't need your credit card! The only difference would be if you were to choose the partial excess reducer you would get you could still get CDW from the CC and only pay partial excess if you need to claim 3rd party.
Title: Re: Credit Card Car Rental Insurance
Post by: zalmanb on January 23, 2012, 08:11:48 PM
@lybbtthl thank you. so it seems that my best option is using my Chase MileagePlus Visa.
Title: Re: Credit Card Car Rental Insurance
Post by: lybbtthl on January 23, 2012, 08:28:51 PM
@lybbtthl thank you. so it seems that my best option is using my Chase MileagePlus Visa.

I would double check it to make sure, the story I mentioned happened more than 2 years ago
Title: Re: Re: Credit Card Car Rental Insurance
Post by: BAHayman on January 23, 2012, 08:53:48 PM
@lybbtthl thank you. so it seems that my best option is using my Chase MileagePlus Visa.
I believe it may be possible to switch cards when you return the car, if you can and there was no damage you should put it on ure Amex Plat so as to avoid the foreign transaction fees...
Title: Re: Credit Card Car Rental Insurance
Post by: hocker on February 07, 2012, 02:31:28 AM
Friend got into and MVA with a Hertz car which he rented with points for free +tax and VISA doesn't want to cover it as the card insurance doesn't cover free rentals. Heads up!
Title: Re: Credit Card Car Rental Insurance
Post by: lybbtthl on February 07, 2012, 02:33:28 AM
Friend got into and MVA with a Hertz car which he rented with points for free +tax and VISA doesn't want to cover it as the card insurance doesn't cover free rentals. Heads up!

That doesn't really make sense, because they still take a hold on the credit card for the would be full amount plus $200 and Visa should be able to see that!
Title: Re: Credit Card Car Rental Insurance
Post by: aussiebochur on February 07, 2012, 02:34:10 AM
Friend got into and MVA with a Hertz car which he rented with points for free +tax and VISA doesn't want to cover it as the card insurance doesn't cover free rentals. Heads up!
How much has to be charged?
What qualifies as rental charge?
Would a gallon of gas qualify?
Title: Re: Credit Card Car Rental Insurance
Post by: hocker on February 07, 2012, 02:45:00 AM
Although Hertz did charge him for tax on the free days (never understood how or why) and he paid for an additional day they are maintaining that it isn't considered a paid rental day and they won't cover.
Title: Re: Credit Card Car Rental Insurance
Post by: golan on February 07, 2012, 07:34:21 AM
Wow ! good to know. so basically you can't rely on cc coverage when even one day of your rental is free ?
Title: Re: Credit Card Car Rental Insurance
Post by: smurf on February 07, 2012, 09:31:42 AM
can you tell them at the end of the rental that you want to save your free days and pay for the rental?
Title: Re: Credit Card Car Rental Insurance
Post by: Dan on February 07, 2012, 11:07:53 AM
can you tell them at the end of the rental that you want to save your free days and pay for the rental?
Yes.
Title: Re: Credit Card Car Rental Insurance
Post by: hocker on February 08, 2012, 10:47:46 AM
can you tell them at the end of the rental that you want to save your free days and pay for the rental?
Yes.
but Visa requires you to send in the initial rental contract in addition to the receipt, which would expose the shtickel. Additionally they might detect it by seeing the security hold didn't include any money for the rental. Refardless he didn't do it.

He is trying to fight it based upon he went in 3 times to change the car and they said they don't have cars available. The accident happened because of brake failure. They are telling him he should've parked the car there and not taken it home! Ridiculous!
Title: Re: Credit Card Car Rental Insurance
Post by: Cbs on February 08, 2012, 11:58:26 PM
but Visa requires you to send in the initial rental contract in addition to the receipt, which would expose the shtickel. Additionally they might detect it by seeing the security hold didn't include any money for the rental. Refardless he didn't do it.

He is trying to fight it based upon he went in 3 times to change the car and they said they don't have cars available. The accident happened because of brake failure. They are telling him he should've parked the car there and not taken it home! Ridiculous!
how much do they want to charge him?
Title: Re: Credit Card Car Rental Insurance
Post by: SGF on February 09, 2012, 07:57:58 AM
but Visa requires you to send in the initial rental contract in addition to the receipt, which would expose the shtickel. Additionally they might detect it by seeing the security hold didn't include any money for the rental. Refardless he didn't do it.
the deposit on the CC is the same as it would be on a regular rental and the contract also looks the same just includes a promo code so it should be easy to pay at the end if something happenes (in the future).
Title: Re: Credit Card Car Rental Insurance
Post by: YudiG on February 10, 2012, 08:07:56 AM
Friend got into and MVA with a Hertz car which he rented with points for free +tax and VISA doesn't want to cover it as the card insurance doesn't cover free rentals. Heads up!

any maskana on this - is this the real policy?
Title: Re: Credit Card Car Rental Insurance
Post by: Fan of Dan on February 19, 2012, 10:48:06 PM
If I rent car in costa rica where by law you must take out lw which only covers other cars will my co chase card cover as a primary the car I drive? Also is there a deductible?
Title: Re: Credit Card Car Rental Insurance
Post by: SGF on February 20, 2012, 12:34:20 AM
If I rent car in costa rica where by law you must take out lw which only covers other cars will my co chase card cover as a primary the car I drive? Also is there a deductible?
most CC (besides amex and saphirre) the insurance is secondary which means that if you dont have anyone else covering anything of your personal car and meets their standards then they will cover you.
If i am not mistaken theres never a deductible on CC insurance.
Title: Re: Credit Card Car Rental Insurance
Post by: SGF on February 20, 2012, 12:36:39 AM
If I rent car in costa rica where by law you must take out lw which only covers other cars...
whats LW? do you mean liability?
Title: Re: Credit Card Car Rental Insurance
Post by: Fan of Dan on February 20, 2012, 12:51:02 AM
yes liability. that is what they call it and it is a law that you take it out even if you have insurance.
Title: Re: Credit Card Car Rental Insurance
Post by: Saver2000 on February 20, 2012, 01:15:06 AM
most CC (besides amex and saphirre) the insurance is secondary which means that if you dont have anyone else covering anything of your personal car and meets their standards then they will cover you.
If i am not mistaken theres never a deductible on CC insurance.

Since when is sapphire primary? 

Amex is only primary if you preregister the card, and it costs $20 per rental.
Title: Re: Credit Card Car Rental Insurance
Post by: SGF on February 20, 2012, 08:03:59 AM
Since when is sapphire primary? 

Amex is only primary if you preregister the card, and it costs $20 per rental.
sorry i meant these (http://forums.dansdeals.com/index.php?topic=4830.msg174368#msg174368) CC and its free, amex is $25
Title: Re: Credit Card Car Rental Insurance
Post by: Fan of Dan on February 20, 2012, 01:46:10 PM
I didn't look into it but Dan said that the chase united and co cards are primary. Either way does taking out liability affect my car's eligibility?
Title: Re: Credit Card Car Rental Insurance
Post by: Dan on February 20, 2012, 01:53:47 PM
I didn't look into it but Dan said that the chase united and co cards are primary. Either way does taking out liability affect my car's eligibility?
Taking out liability won't affect the cards coverage, but taking out CDW will.
Title: Re: Credit Card Car Rental Insurance
Post by: Wolf on March 09, 2012, 03:36:09 PM
Just got the Co op cc, and it sais on the t/c "master rental will pay for covered damages on a secondary basis"
Title: Re: Credit Card Car Rental Insurance
Post by: lybbtthl on March 11, 2012, 08:26:02 PM
Being that CDW from CCs vary so much I put together this table of the CCs I have, feel free to send me corrections or to add more cards.
Title: Re: Credit Card Car Rental Insurance
Post by: hocker on March 12, 2012, 12:14:47 PM
Being that CDW from CCs vary so much I put together this table of the CCs I have, feel free to send me corrections or to add more cards.
Thanks for your work.

Can you explain row 8?
Can you confirm whether the second driver must be on the contract or is it pok if he's allowed to drive as per the company contract with the AWD or CDP?
Title: Re: Credit Card Car Rental Insurance
Post by: BAHayman on March 12, 2012, 01:18:34 PM
Just got the Co op cc, and it sais on the t/c "master rental will pay for covered damages on a secondary basis"
Thats because you only have a $2k credit line on the card.
Title: Re: Credit Card Car Rental Insurance
Post by: lybbtthl on March 12, 2012, 01:38:15 PM
Thanks for your work.

Can you explain row 8?
Can you confirm whether the second driver must be on the contract or is it pok if he's allowed to drive as per the company contract with the AWD or CDP?

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.
Title: Re: Credit Card Car Rental Insurance
Post by: SGF on March 12, 2012, 05:14:47 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.
on the T&C of one of my CC (MC) it says you must have the 2nd driver listed on the contract in order to be covered.
Title: Re: Credit Card Car Rental Insurance
Post by: lybbtthl on March 12, 2012, 06:19:57 PM
The exact wording on the MasterRental paper from the SP WMC is: "MasterRental will pay for covered damages on a secondary basis for which you or any other authorized driver is, legally responsible to the rental agency"
Title: Re: Credit Card Car Rental Insurance
Post by: Saver2000 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

Title: Re: Credit Card Car Rental Insurance
Post by: lybbtthl 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
Title: Re: Credit Card Car Rental Insurance
Post by: mclovin 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
Title: Re: Re: Credit Card Car Rental Insurance
Post by: lybbtthl 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
Title: Re: Credit Card Car Rental Insurance
Post by: SGF 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.
Title: Re: Credit Card Car Rental Insurance
Post by: Saver2000 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 )
Title: Re: Credit Card Car Rental Insurance
Post by: SGF 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.
Title: Re: Credit Card Car Rental Insurance
Post by: lybbtthl 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
Title: Re: Credit Card Car Rental Insurance
Post by: Saver2000 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.

Title: Re: Credit Card Car Rental Insurance
Post by: lybbtthl 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
Title: Re: Credit Card Car Rental Insurance
Post by: Saver2000 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?   ???
Title: Re: Credit Card Car Rental Insurance
Post by: Saver2000 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??
Title: Re: Credit Card Car Rental Insurance
Post by: lybbtthl 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)
Title: Credit Card Car Rental Insurance
Post by: A3 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
Title: Re: Credit Card Car Rental Insurance
Post by: MnM1130 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...
Title: Re: Credit Card Car Rental Insurance
Post by: lybbtthl on April 30, 2012, 04:36:20 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...
MasterCard and Visa will cover CDW in Italy, AMEX CDW will not. Liability is already provided without charge. Theft protection, although covered by most credit cards, is compulsory in Italy regardless, and (just like you mentioned above) it will automatically be added to all reservations.
Title: Re: Credit Card Car Rental Insurance
Post by: MnM1130 on April 30, 2012, 04:50:29 AM
MasterCard and Visa will cover CDW in Italy, AMEX CDW will not. Liability is already provided without charge. Theft protection, although covered by most credit cards, is compulsory in Italy regardless, and (just like you mentioned above) it will automatically be added to all reservations.
so were not lookin at any crazy charges when the reservation says 300$? and what about insurance on other cars.. how does that work?
Title: Re: Credit Card Car Rental Insurance
Post by: gozalim on April 30, 2012, 03:47:30 PM
so were not lookin at any crazy charges when the reservation says 300$? and what about insurance on other cars.. how does that work?
that is what we call in english Liabilty insurance
Liability is already provided without charge.
Title: Re: Credit Card Car Rental Insurance
Post by: gt on July 11, 2012, 08:27:17 PM
i dont no if this was asked already

no that there is no continental card which card should i use for a rental

Amex green
united
sapphire perfered
freedom
citi premier
citi aa visa
Title: Re: Credit Card Car Rental Insurance
Post by: gozalim on July 11, 2012, 09:16:25 PM
i dont no if this was asked already

no that there is no continental card which card should i use for a rental

Amex green
united
sapphire perfered
freedom
citi premier
citi aa visa
if by united you mean united explorer-than that would be the equivalent of the old continental (primary CDW) otherwise probably use Amex Green or chase SP
Title: Re: Credit Card Car Rental Insurance
Post by: gt on July 11, 2012, 11:43:08 PM
if by united you mean united explorer-than that would be the equivalent of the old continental (primary CDW) otherwise probably use Amex Green or chase SP
are you sure that the united has primary i dont see where it says that and when i had my continental i had a small fender bender and i called mc and the rep made it sound like there is no primary also the new card is visa
Title: Re: Credit Card Car Rental Insurance
Post by: gozalim on July 12, 2012, 06:14:23 PM
are you sure that the united has primary i dont see where it says that and when i had my continental i had a small fender bender and i called mc and the rep made it sound like there is no primary also the new card is visa
Quote from: https://www.chase.com/online/Credit-Cards/united_explorer-travel-protection.htm
Auto Rental Collision Damage Waiver
Your MileagePlus Explorer Card provides you with primary coverage for physical damage and theft of most rented vehicles. Coverage is afforded for rentals of up to 15 consecutive days when traveling in your country of residence and 31 days outside of your country of residence.
Title: Re: Credit Card Car Rental Insurance
Post by: artee on July 17, 2012, 10:00:37 PM
I don't have any auto insurance and I'm renting a car for 30 days, Which of my cc will give me the best all around coverage?
amex spg
sapphire preferred  visa
sapphire reg wmc
united mp explorer visa
citi aa wmc
Title: Re: Credit Card Car Rental Insurance
Post by: meshugener on August 13, 2012, 02:45:04 PM
Just to clarify: if I don't have a car on my name, so I don't have any primary insurance, is there any preference to use my UA MPE card(which has primary CDW) for car rental or I can use any other card which gets me secondary CDW?
Title: Re: Credit Card Car Rental Insurance
Post by: Dan on August 13, 2012, 02:58:02 PM
Just to clarify: if I don't have a car on my name, so I don't have any primary insurance, is there any preference to use my UA MPE card(which has primary CDW) for car rental or I can use any other card which gets me secondary CDW?
No diff.
Title: Re: Credit Card Car Rental Insurance
Post by: meshugener on August 13, 2012, 04:23:33 PM
Thanks.
Is there any specific card you recommend for car rental (in my situation)?
Title: Re: Credit Card Car Rental Insurance
Post by: hocker on August 13, 2012, 05:13:21 PM
I don't have any auto insurance and I'm renting a car for 30 days, Which of my cc will give me the best all around coverage?
amex spg
sapphire preferred  visa
sapphire reg wmc
united mp explorer visa
citi aa wmc
your location is Israel. Will you be renting the car there
Title: Re: Credit Card Car Rental Insurance
Post by: yossi4k on September 13, 2012, 07:17:38 PM
Is there a visa card that covers insurance for 30 days vs 15?
Title: Re: Credit Card Car Rental Insurance
Post by: Saver2000 on September 13, 2012, 07:28:46 PM
Is there a visa card that covers insurance for 30 days vs 15?

Citi Aadvantage card
Title: Re: Credit Card Car Rental Insurance
Post by: mclovin on October 18, 2012, 11:09:38 AM
if u make a 1 month rental and get in an accident can you change the return date to make the rental less then 15 days so the CC (sapphire preferred) will cover you?
Title: Re: Credit Card Car Rental Insurance
Post by: MEIR613 on October 18, 2012, 11:35:25 AM
if u make a 1 month rental and get in an accident can you change the return date to make the rental less then 15 days so the CC (sapphire preferred) will cover you?
Don't know for sure but makes sense no since the initial rental agreement says its a 30 day rental. I'm only basing this off that by coupons if you put a coupon on the intial rental agreement and take it off by then end insurance doesn't cover since you initially didn't want to pay full price for the car but it could be by 30 days it doesn't make a difference since at the end of the day the rental was less days 

Title: Re: Credit Card Car Rental Insurance
Post by: moto on October 18, 2012, 03:17:46 PM
Is there a credit that covers the 13.95 insurance from hertz?
Title: Re: Credit Card Car Rental Insurance
Post by: moto on October 18, 2012, 03:20:06 PM
I'm referring to hertz liability insurance supplement cost 13.95?
I know all the other insurance you can use the amex Starwood card and it covers however this it does not
So is there a card that does cover it?
Title: Re: Credit Card Car Rental Insurance
Post by: meshugener on October 25, 2012, 01:06:56 PM
Guys, my friend really needs help.
He had an Avis rental, which he paid for with a One Day Reward, and paid the rest (fees?) with an SPG card he's an AU. He declined Avis' insurance.
In the parking lot, when returning the car, he hit a road bumper and the front bumper fell off.
Avis has a $5,000 bill for him!
Amex denied the claim, since T&C says you have to charge the FULL rental on the card.
Any help would be highly appreciated.
Title: Re: Credit Card Car Rental Insurance
Post by: Dan on October 25, 2012, 01:10:21 PM
He messed up.
Always, always, always, give in those coupons after you safely return the car.
Otherwise leave it all on the cc.
Does he not have any insurance of his own?
Title: Re: Re: Credit Card Car Rental Insurance
Post by: sky121 on October 25, 2012, 01:26:24 PM
Guys, my friend really needs help.
He had an Avis rental, which he paid for with a One Day Reward, and paid the rest (fees?) with an SPG card he's an AU. He declined Avis' insurance.
In the parking lot, when returning the car, he hit a road bumper and the front bumper fell off.
Avis has a $5,000 bill for him!
Amex denied the claim, since T&C says you have to charge the FULL rental on the card.
Any help would be highly appreciated.

Would they allow him to fix it himself? Take it to his own auto repair?
Title: Re: Credit Card Car Rental Insurance
Post by: meshugener on October 25, 2012, 01:51:35 PM
He messed up.
Always, always, always, give in those coupons after you safely return the car.
Otherwise leave it all on the cc.
Does he not have any insurance of his own?
No.
What should he do?
What happenes if he don't pay? they charge the SPG card, right? so how about he cancels the card?
No way for such a poor youngster to pay $5,000.
Title: Re: Re: Credit Card Car Rental Insurance
Post by: meshugener on October 25, 2012, 01:52:32 PM
Would they allow him to fix it himself? Take it to his own auto repair?
Its fixed.
Its a story happened in Aug.
today Amex completed the investigation.
Title: Re: Credit Card Car Rental Insurance
Post by: Dan on October 25, 2012, 01:56:41 PM
No.
What should he do?
What happenes if he don't pay? they charge the SPG card, right? so how about he cancels the card?
No way for such a poor youngster to pay $5,000.
He'll be blacklisted and they'll send it to collections, go after his credit report, etc.
Title: Re: Credit Card Car Rental Insurance
Post by: hocker on October 25, 2012, 02:35:43 PM
No.
What should he do?
What happenes if he don't pay? they charge the SPG card, right? so how about he cancels the card?
No way for such a poor youngster to pay $5,000.
Worst Case scenario: Did they send a breakdown of the charges? Bring it in to a Local car dealer and tell him to price it out and send them proof it doesn't cost that much.
Title: Re: Credit Card Car Rental Insurance
Post by: meshugener on October 25, 2012, 04:38:49 PM
Worst Case scenario: Did they send a breakdown of the charges? Bring it in to a Local car dealer and tell him to price it out and send them proof it doesn't cost that much.
He got a breakdown, they charge for 10 days lost revenue... a new paint brush.... ridiculous....
Title: Re: Credit Card Car Rental Insurance
Post by: hocker on October 25, 2012, 04:41:18 PM
He got a breakdown, they charge for 10 days lost revenue... a new paint brush.... ridiculous....
Take it to a dealer to make sure they didn't overcharge on the paintbrush!
Title: Re: Credit Card Car Rental Insurance
Post by: joesmoe on October 26, 2012, 03:03:37 AM
So if I have the AMEX Platinum Premium Protection for an extra $20 a rental, does this mean that I don't need my normal insurance? (I'm thinking of cancelling it, I travel all the time, and mainly rent cars, so there's really no reason to keep my origional insurance).

So if I don't have my normal car insurance, can I just pay the $20 per rental to amex and be fully covered? Assuming I'll be renting in Europe or the USA.
Title: Re: Credit Card Car Rental Insurance
Post by: SGF on October 26, 2012, 03:19:02 AM
So if I have the AMEX Platinum Premium Protection for an extra $20 a rental, does this mean that I don't need my normal insurance? (I'm thinking of cancelling it, I travel all the time, and mainly rent cars, so there's really no reason to keep my origional insurance).

So if I don't have my normal car insurance, can I just pay the $20 per rental to amex and be fully covered? Assuming I'll be renting in Europe or the USA.
Bear in mind there's also third party liability insurance which the CC does not cover.
Otherwise yes and if you get the UA MPE then its free insurance and u get the same things as amex premium
Title: Re: Credit Card Car Rental Insurance
Post by: L123 on October 28, 2012, 07:14:31 PM
He messed up.
Always, always, always, give in those coupons after you safely return the car.
Otherwise leave it all on the cc.
Does he not have any insurance of his own?


If CDP and PC are used when I  reserve a rental car on hertz.com, is CDP (and/or PC) considered as coupons?????
Title: Re: Credit Card Car Rental Insurance
Post by: Lou Bob on October 29, 2012, 12:12:16 AM

If CDP and PC are used when I  reserve a rental car on hertz.com, is CDP (and/or PC) considered as coupons?????
yes. But the difference is that after those discounts/coupons(cdp/pc), u still pay for the car(a cheaper rate). What dan was talking about is a free day coupon I assume.
Title: Re: Credit Card Car Rental Insurance
Post by: MEIR613 on October 29, 2012, 12:19:38 AM
What dan was talking about is a free day coupon I assume.

Or anything that takes $ off the actual rental rate. Not just LOWERS the rate

Title: Re: Credit Card Car Rental Insurance
Post by: meshugener on October 29, 2012, 09:20:14 AM
Cheeeeese.
My friend's story has an happy ending!
Another friend advised him to call up Customer Service to find a clueless rep, and try to get words that its covered. His friend called up and asked how about he has a 1 day reward from Avis, but he still pays taxes and fees with his Amex card, will amex cover it? The rep answered "as long you pay even $1 with your card, you're covered....
Then he called up the claims case manager, and said, listen, I called CSR and that's what they told me, I even called them back today and they said the same... She said she'll listen to the recordings, and the next day she called back informing him that amex will cover the damage!
Title: Re: Re: Credit Card Car Rental Insurance
Post by: sky121 on October 29, 2012, 09:24:22 AM
Cheeeeese.
My friend's story has an happy ending!
Another friend advised him to call up Customer Service to find a clueless rep, and try to get words that its covered. His friend called up and asked how about he has a 1 day reward from Avis, but he still pays taxes and fees with his Amex card, will amex cover it? The rep answered "as long you pay even $1 with your card, you're covered....
Then he called up the claims case manager, and said, listen, I called CSR and that's what they told me, I even called them back today and they said the same... She said she'll listen to the recordings, and the next day she called back informing him that amex will cover the damage!

Nice! BH it all worked out. Let us know when Amex sends payment.
Title: Re: Credit Card Car Rental Insurance
Post by: lfas25 on October 30, 2012, 10:01:23 PM
Which credit card / insurance do you recommend I use / take on my rental?

I have the following cards:
US Airways Platinum MC
Capital One Platinum MC
Direct Rewards Discover Platinum (HSBC)
Discover
Chase Freedom Visa


I'm an AU on the following:
AmEx SPG (brother)
United Mileage Plus Explorer MC (sister)
Marriot Rewards Signature Visa (wife)
Title: Re: Credit Card Car Rental Insurance
Post by: Lou Bob on October 30, 2012, 11:12:21 PM
Which credit card / insurance do you recommend I use / take on my rental?

I have the following cards:
US Airways Platinum MC
Capital One Platinum MC
Direct Rewards Discover Platinum (HSBC)
Discover
Chase Freedom Visa


I'm an AU on the following:
AmEx SPG (brother)
United Mileage Plus Explorer MC (sister)
Marriot Rewards Signature Visa (wife)

united card has primary cdw, if u get that benefit as an au than this is the card to go with
Title: Re: Credit Card Car Rental Insurance
Post by: shmooz on October 31, 2012, 01:29:28 PM
He messed up.
Always, always, always, give in those coupons after you safely return the car.
Otherwise leave it all on the cc.

How can you leave it on the CC? When you rent say from Hertz using a free day you have to book using the free day e-coupon, or at least that's what I thought
Title: Re: Credit Card Car Rental Insurance
Post by: SGF on November 01, 2012, 07:39:59 AM
How can you leave it on the CC? When you rent say from Hertz using a free day you have to book using the free day e-coupon, or at least that's what I thought
Its only a coupon number, so if c"vsh something happens, when you return the car make sure to tell them to take out the coupon code then they will charge you full price.
Title: Re: Credit Card Car Rental Insurance
Post by: hocker on November 01, 2012, 04:03:27 PM
Its only a coupon number, so if c"vsh something happens, when you return the car make sure to tell them to take out the coupon code then they will charge you full price.
But they ask for the initial contract as well...
Title: Re: Credit Card Car Rental Insurance
Post by: SGF on November 01, 2012, 08:27:28 PM
But they ask for the initial contract as well...
In the initial contract it still says the full price for the car and it just deducts the amount of the base rate, it dosent say all over its a free rental.
Besides the initial contract is just a estimate of charges, I believe it goes by what you actually paid
Title: Re: Credit Card Car Rental Insurance
Post by: Lev on November 01, 2012, 09:15:16 PM
From my experience, it can be an issue if it starts as a free day even if you remove the pc for the free day at the end.
That's actually one of the reasons they require the initial contract.
The best option I know of (NOT CONFIRMED) is the amex car rental insurance, it's about $25 per rental period and has to be setup in advance. It's said to cover free days as well, although I've never tried it.
Title: Re: Credit Card Car Rental Insurance
Post by: hocker on November 03, 2012, 02:58:20 PM
Anyone looking for more clarity on these matters I would advise you to read these links.

http://forums.dansdeals.com/index.php?topic=21073.msg319582#msg319582
Title: Re: Credit Card Car Rental Insurance
Post by: shmooz on November 12, 2012, 03:45:22 PM
From my experience, it can be an issue if it starts as a free day even if you remove the pc for the free day at the end.
That's actually one of the reasons they require the initial contract.
The best option I know of (NOT CONFIRMED) is the amex car rental insurance, it's about $25 per rental period and has to be setup in advance. It's said to cover free days as well, although I've never tried it.

Getting back to this question, when you use a free day coupon how to make sure your credit card covers it, i once called mastercard and they said that if you have two days rental and one is a free day they will cover, so you could reserve for two days, one day being paid, return after one day if no problem and if there is an accident keep it for the second.
Title: Re: Credit Card Car Rental Insurance
Post by: Lev on November 12, 2012, 04:51:10 PM
Getting back to this question, when you use a free day coupon how to make sure your credit card covers it, i once called mastercard and they said that if you have two days rental and one is a free day they will cover, so you could reserve for two days, one day being paid, return after one day if no problem and if there is an accident keep it for the second.
Visa told me the same. You don't even need an extra day, an extra hour will suffice as well.
Title: Re: Credit Card Car Rental Insurance
Post by: shmooz on November 12, 2012, 05:24:17 PM
as least for mc need a full day, unless you mean that after an hour they will charge you for the day
If a rental company promotion/discount
of any kind is initially applied toward payment of the rental vehicle, at least one (1) full day of
rental must be billed to your covered card
Title: Credit Card Car Rental Insurance
Post by: MEIR613 on November 12, 2012, 07:01:22 PM
From past experience you can't have any coupon on your initial  rental that will deduct from the rental rate (ex. Free day, $25 off etc). If you get a cheaper rate with a CDP that's fine. Its not worth the headache. Just put the coupon on after and if they don't let. Call CS and tell them the reason you didn't put it on in the beginning. They usually will honor it. 
 

Title: Re: Credit Card Car Rental Insurance
Post by: Cbs on November 30, 2012, 12:31:38 PM
i rented a car from Hertz and didnt get liability. i have the united MPE card on the rental for Collision.
i was just parking and i rear ended a car. the only thing that happened to his car was the license plate border came half way out and actual plate got dented. My car on the other hand got a nice few scratches on the corner and a little dent.

am i covered?
Title: Re: Credit Card Car Rental Insurance
Post by: Saver2000 on November 30, 2012, 12:34:26 PM
i rented a car from Hertz and didnt get liability. i have the united MPE card on the rental for Collision.
i was just parking and i rear ended a car. the only thing that happened to his car was the license plate border came half way out and actual plate got dented. My car on the other hand got a nice few scratches on the corner and a little dent.

am i covered?
Yes. United MPE covers your vehicle. 
Title: Re: Credit Card Car Rental Insurance
Post by: Cbs on November 30, 2012, 12:41:22 PM
Yes. United MPE covers your vehicle.
thanx
Title: Re: Credit Card Car Rental Insurance
Post by: Cbs on December 04, 2012, 04:35:38 PM
Does visa or amex cover collision (cdw) for a Mercedes E class?

In general is there a list for visa (signature) or amex that tells u what covers what?
Title: Re: Credit Card Car Rental Insurance
Post by: hocker on December 04, 2012, 09:27:40 PM
In general is there a list for visa (signature) or amex that tells u what covers what?
http://forums.dansdeals.com/index.php?topic=21073.msg319582#msg319582
Title: Re: Credit Card Car Rental Insurance
Post by: Cbs on December 04, 2012, 09:54:54 PM
http://forums.dansdeals.com/index.php?topic=21073.msg319582#msg319582
thanx. it seems like it wont cover the E class :(
CDW is really expensive on that car
Title: Re: Re: Credit Card Car Rental Insurance
Post by: yossi4k on December 16, 2012, 03:41:45 PM
thanx. it seems like it wont cover the E class :(
CDW is really expensive on that car
Pretty sure visa covers it..I called and asked specifically about 528I and was told it's covered
Title: Re: Re: Credit Card Car Rental Insurance
Post by: Cbs on December 16, 2012, 06:52:42 PM
Pretty sure visa covers it..I called and asked specifically about 528I and was told it's covered
Nope I just double checked. It covers the BMW and the Mercedes c class but not e.
It does cover glk, not GL.
Doesn't cover corvette, and camaro ss it does as well as infiniti jx and fx
Title: Re: Re: Re: Credit Card Car Rental Insurance
Post by: yossi4k on December 16, 2012, 10:26:33 PM
Nope I just double checked. It covers the BMW and the Mercedes c class but not e.
It does cover glk, not GL.
Doesn't cover corvette, and camaro ss it does as well as infiniti jx and fx
I think Amex coverage is better..pretty sure it costs the fx.
Title: Re: Credit Card Car Rental Insurance
Post by: yitzyul on December 17, 2012, 04:30:41 PM
Does Citi world cover car rental Israel for AU?
Title: Re: Credit Card Car Rental Insurance
Post by: artee on January 28, 2013, 11:34:10 AM
I'm looking for the best insurance on a 30 day minivan rental that will have lots of wear and tear.
I have no regular insurance and the following applicable cards:

spg (i have no prob getting premium protection)
sp mc
sp visa
citi amex
citi wmc (au)

also, a/o know if ari's in lakewood is an official rental agency as far as these insurances are concerned?
Title: Re: Credit Card Car Rental Insurance
Post by: hocker on February 05, 2013, 06:38:04 AM
I'm looking for the best insurance on a 30 day minivan rental that will have lots of wear and tear.
I have no regular insurance and the following applicable cards:

spg (i have no prob getting premium protection)
sp mc
sp visa
citi amex
citi wmc (au)

also, a/o know if ari's in lakewood is an official rental agency as far as these insurances are concerned?
IMHO SPG Premium.

Aris should be a legal agency, but I wouldn't be surprised if all his rentals include CDW (Possibly with a deductible).
Title: Re: Credit Card Car Rental Insurance
Post by: Cbs on February 10, 2013, 06:40:35 PM
heres my story:
Every week i rent a few cars under my name with hertz for an organization and i add 2nd drivers on and buy Liability from hertz.
LDW i rely on my CC - which usually is my Chase SP Visa signature card

2 incidents happened a few weeks apart from each other. 2 bashed their cars a bit - one broke the mirror and the other scratched up the whole side and dented a bit.
i never heard from anyone yet, and im wondering how this works. will they call me? will they cover me?
or do i have to call the CC and tell them.

Any help would be appreciated. Thanx
Title: Re: Credit Card Car Rental Insurance
Post by: MEIR613 on February 10, 2013, 06:49:28 PM
heres my story:
Every week i rent a few cars under my name with hertz for an organization and i add 2nd drivers on and buy Liability from hertz.
LDW i rely on my CC - which usually is my Chase SP Visa signature card

2 incidents happened a few weeks apart from each other. 2 bashed their cars a bit - one broke the mirror and the other scratched up the whole side and dented a bit.
i never heard from anyone yet, and im wondering how this works. will they call me? will they cover me?
or do i have to call the CC and tell them.

Any help would be appreciated. Thanx
You have to call the CC company and file a claim. They will tell you all the info that you will need to send in. The rental company will send you a lot of stuff which you will have to send to the CC company. Make sure to have copies of everything you send just in case it gets lost/reference. The process can take very long, but if your on top of it and call to make sure the documents are being sent and received it should speed up the process. This is the experience that I had when making a claim. 

Title: Re: Credit Card Car Rental Insurance
Post by: Cbs on February 10, 2013, 07:22:21 PM
You have to call the CC company and file a claim. They will tell you all the info that you will need to send in. The rental company will send you a lot of stuff which you will have to send to the CC company. Make sure to have copies of everything you send just in case it gets lost/reference. The process can take very long, but if your on top of it and call to make sure the documents are being sent and received it should speed up the process. This is the experience that I had when making a claim.
do i have to make the claim or can i wait for them to call me? i know in the past when they filed a claim i never called and no one contacted me and no one charged me more.

also how much would they cover?
Title: Re: Credit Card Car Rental Insurance
Post by: MEIR613 on February 10, 2013, 07:26:39 PM
do i have to make the claim or can i wait for them to call me? i know in the past when they filed a claim i never called and no one contacted me and no one charged me more.

also how much would they cover?
IME I called to make sure they started the process. I like to get things done fast. But I can't tell you what happened in your past experience.   

You need to look in the T&C, each CC is different.

Title: Re: Credit Card Car Rental Insurance
Post by: hocker on February 10, 2013, 07:29:53 PM
I was denied a claim because I didn't notify them in time.
Title: Re: Credit Card Car Rental Insurance
Post by: Cbs on February 10, 2013, 07:38:45 PM
I was denied a claim because I didn't notify them in time.
how much time after did u try to claim it and what happened, u had to pay all?

it says to call right away in T&C and not later the 45 days after incident.
Title: Re: Credit Card Car Rental Insurance
Post by: hocker on February 10, 2013, 08:10:47 PM
I don't recall exactly all I know is that I didn't pay a red cent :-)
Title: Re: Credit Card Car Rental Insurance
Post by: SGF on February 10, 2013, 08:15:36 PM
heres my story:
Every week i rent a few cars under my name with hertz for an organization and i add 2nd drivers on and buy Liability from hertz.
LDW i rely on my CC - which usually is my Chase SP Visa signature card

2 incidents happened a few weeks apart from each other. 2 bashed their cars a bit - one broke the mirror and the other scratched up the whole side and dented a bit.
i never heard from anyone yet, and im wondering how this works. will they call me? will they cover me?
or do i have to call the CC and tell them.

Any help would be appreciated. Thanx
IIRC you have to open a claim with your CC within 45 days of the incident, (maybe different CC are different).
sometimes for small things it is not wroth for them to run after you and sometimes if the corporate you used has their own insurance (like usaa) they will work it out directly with them.
better to be on the safe side and open a claim with the CC company just in case they will come after you later on.

i once heard that if the rental place dosent contact you within  a certain period of the incident then they lost out. not sure if this is true and if it is how long.

if they do contact you the whole process can take weeks or months to get it done with.
good luck.
Title: Re: Credit Card Car Rental Insurance
Post by: SGF on February 10, 2013, 08:22:31 PM
do i have to make the claim or can i wait for them to call me? i know in the past when they filed a claim i never called and no one contacted me and no one charged me more.

also how much would they cover?
there are 2 claims, there is the CC claim that you have to start and you get them to cover you and then the rental company claim that they start and they run after you.

every CC varies, i think SP is $50K
Title: Re: Credit Card Car Rental Insurance
Post by: Flying Fish on March 12, 2013, 09:04:14 PM
Updated the Wiki with info on Discover CDW/LDW (https://www.discover.com/credit-cards/member-benefits/security/travel-assistance/assets/More_Motiva_Miles_OpenRoad_Combined-Scheduled_Air_CDWDOC.pdf) and coverage in Israel (https://www.discover.com/credit-cards/help-center/faqs/middle-east.html). Also added detail to AmEx premium coverage.
Title: Re: Credit Card Car Rental Insurance
Post by: dsw193 on May 06, 2013, 01:25:34 PM
Will my visa sp cover a hertz rental if I use a free day coupon?
Title: Re: Credit Card Car Rental Insurance
Post by: SGF on May 06, 2013, 02:43:05 PM
Will my visa sp cover a hertz rental if I use a free day coupon?
No
Title: Re: Credit Card Car Rental Insurance
Post by: carrentals on June 14, 2013, 10:47:19 AM
Updated the Wiki with info on .........Also added detail to AmEx premium coverage.

There's no need to pay for the full amount with money, even if it's a points or coupon rental and you pay just $2 fees they will still cover you.


Where did you get this info from?
Is it even for (Hertz, Avis or National) free days?
Title: Re: Credit Card Car Rental Insurance
Post by: SGF on June 14, 2013, 02:32:01 PM

Where did you get this info from?
Is it even for (Hertz, Avis or National) free days?
Call Amex premium insurance and they'll tell you.
It works for any company as long as there is some balance on it, like airport taxes add fees
Title: Re: Credit Card Car Rental Insurance
Post by: Crazy tools on June 25, 2013, 08:04:34 PM
Got my Ink Bold today, realized that it covers LDW primarily. Is this any different than a United card?
Also says "being used for bussiness purposes" any way for them to prove car was being used for leisure?
Title: Re: Credit Card Car Rental Insurance
Post by: DP7 on June 25, 2013, 08:07:52 PM

Also says "being used for bussiness purposes" any way for them to prove car was being used for leisure?

Any way for you to prove it was used for business?
Title: Re: Credit Card Car Rental Insurance
Post by: Crazy tools on June 25, 2013, 08:40:56 PM
Any way for you to prove it was used for business?
I guess Hamotzie Mechaveiro Alav Harayah, so that's my question. Will they ask to prove that it was being used for bussiness?
Title: Re: Credit Card Car Rental Insurance
Post by: Saver2000 on June 25, 2013, 08:51:05 PM
Got my Ink Bold today, realized that it covers LDW primarily. Is this any different than a United card?
Also says "being used for bussiness purposes" any way for them to prove car was being used for leisure?
CDW, not LDW.
Title: Re: Credit Card Car Rental Insurance
Post by: EMES on June 25, 2013, 08:52:48 PM
any way for them to prove car was being used for leisure?
No.
Title: Re: Credit Card Car Rental Insurance
Post by: Crazy tools on June 25, 2013, 09:00:45 PM
CDW, not LDW.

Same thing, some rental companies call it CDW and some LDW
Title: Re: Credit Card Car Rental Insurance
Post by: Crazy tools on June 25, 2013, 09:02:51 PM
No.
So does that mean that the Ink and United are the same when it comes to insurance on rentals?
Ink maybe even being better because it covers upto 31 days as oppossed to the United which covers for 15 days in your country of residence.
Title: Re: Credit Card Car Rental Insurance
Post by: meshugener on June 25, 2013, 09:25:50 PM
No.
Another EMES statememt.

How about you need to prove it was on a business trip?

It is never a good idea to rent on a business card.
Title: Re: Credit Card Car Rental Insurance
Post by: Dan on June 25, 2013, 09:31:01 PM
Another EMES statememt.

How about you need to prove it was on a business trip?

It is never a good idea to rent on a business card.
+1.
If you total the car they will do a investigation before forking over $30,000.
Title: Re: Credit Card Car Rental Insurance
Post by: Crazy tools on June 25, 2013, 09:51:56 PM
+1.
If you total the car they will do a investigation before forking over $30,000.
Well if i am a sole propieter, then what is considered a bussiness rental?
Title: Re: Credit Card Car Rental Insurance
Post by: DP7 on June 25, 2013, 10:08:40 PM

Well if i am a sole propieter, then what is considered a bussiness rental?

Think even a sole proprietor can tell the difference between sitting on the beach and doing business.
Title: Re: Credit Card Car Rental Insurance
Post by: Crazy tools on June 25, 2013, 10:10:56 PM
Think even a sole proprietor can tell the difference between sitting on the beach and doing business.
Yerida Le'tzorech Aliyah.....
Paid bussiness vacation to come back refreshed!!!
Title: Re: Credit Card Car Rental Insurance
Post by: DP7 on June 25, 2013, 10:21:17 PM
Yerida Le'tzorech Aliyah.....
Paid bussiness vacation to come back refreshed!!!

Good luck with that argument.
Title: Re: Credit Card Car Rental Insurance
Post by: Crazy tools on June 25, 2013, 10:55:06 PM
+1.
If you total the car they will do a investigation before forking over $30,000.
I agree with that logic.
Just wondering if they actually do investigate that it was bussiness.... or are you just assuming..
basically boils down to which credit card i should offer to close to get my Ink Plus approved. I have th SW, Sapphire WMC, United and Freedom. If the United would be the same as Ink as far as insurance goes, then i would shut United.
Title: Re: Credit Card Car Rental Insurance
Post by: isac on June 27, 2013, 02:04:31 AM
so should i use amex premium protection or my CO card (united,now)?
renting in mia
Title: Re: Credit Card Car Rental Insurance
Post by: ari101 on July 02, 2013, 02:01:27 AM
I currently have a claim with AMEX (not premium) and they sent me a email about documents they requested from the rental, and this is what they write.

....I have been contacting the Car Rental Company for this information. Once we receive the documents from them, I will provide you with a final decision on your claim.  I will provide another written status update in 30 days if I am still not able to process your claim. If the documents are not received at that time, your claim will be closed until such time that the requested information is received. ....

what does this mean? if the rental will not provide them with those documents will I lose my coverage?
Title: Re: Credit Card Car Rental Insurance
Post by: Dan on July 02, 2013, 02:05:25 AM
I currently have a claim with AMEX (not premium) and they sent me a email about documents they requested from the rental, and this is what they write.

....I have been contacting the Car Rental Company for this information. Once we receive the documents from them, I will provide you with a final decision on your claim.  I will provide another written status update in 30 days if I am still not able to process your claim. If the documents are not received at that time, your claim will be closed until such time that the requested information is received. ....

what does this mean? if the rental will not provide them with those documents will I lose my coverage?
If they don't provide them you can do a chargeback.
Title: Re: Credit Card Car Rental Insurance
Post by: Dave321 on July 02, 2013, 07:15:58 AM
+1.
If you total the car they will do a investigation before forking over $30,000.

So if i have an amex and amex business gold, i should rather use my regular amex?
Title: Re: Credit Card Car Rental Insurance
Post by: EMES on July 02, 2013, 07:18:08 AM
So if i have an amex and amex business gold, i should rather use my regular amex?
Amex gold is 2x points on travel.
Title: Re: Credit Card Car Rental Insurance
Post by: Dave321 on July 02, 2013, 07:30:11 AM
Amex gold is 3x points on travel.

Thanks, though i was referring to insurance when renting. If I have an issue later on with the rental, and they do an investigation, I would want to be protected if it is clearly not a business trip.
Title: Re: Credit Card Car Rental Insurance
Post by: EMES on July 02, 2013, 07:38:27 AM
Thanks, though i was referring to insurance when renting. If I have an issue later on with the rental, and they do an investigation, I would want to be protected if it is clearly not a business trip.
Dont see the difference one over the other, besides that by using the amex gold u get 2x; ;)
Title: Re: Credit Card Car Rental Insurance
Post by: meshugener on July 02, 2013, 08:54:05 AM
And here we got another EMES statement.
Amex Gold gives 3X on airfare, not travel.
Title: Re: Credit Card Car Rental Insurance
Post by: EMES on July 02, 2013, 09:01:48 AM
And here we got another EMES statement.
Amex Gold gives 3X on airfare, not travel.
What a meshuguner you know what i meant!
Title: Re: Credit Card Car Rental Insurance
Post by: meshugener on July 02, 2013, 09:05:52 AM
Huh?
Title: Re: Credit Card Car Rental Insurance
Post by: EMES on July 02, 2013, 09:10:03 AM
Huh?
Read the prior questions and posts.
And what happened to quote?
Grammar and punctuation hall of shame? Lol.
Title: Re: Credit Card Car Rental Insurance
Post by: meshugener on July 02, 2013, 09:22:47 AM
I have no idea what you mean.
I'm just pointing another wrong statement you made: you do NOT get 3X on car rentals by using Amex Gold.
Title: Re: Credit Card Car Rental Insurance
Post by: Saver2000 on July 02, 2013, 09:31:10 AM
I have no idea what you mean.
I'm just pointing another wrong statement you made: you do NOT get 3X on car rentals by using Amex Gold.
+1

Thanx for pointing it out.

This is getting out of hand.
Title: Re: Credit Card Car Rental Insurance
Post by: MEIR613 on July 02, 2013, 07:57:03 PM
And here we got another EMES statement.
Amex Gold gives 3X on airfare, not travel.
And it has to be bought directly from the airlines, which ends up happening on some 3rd party sites.

Title: Re: Credit Card Car Rental Insurance
Post by: bades on July 03, 2013, 10:39:48 AM
 if i add someone to my CC, he is a US citizen but has an israeli drivers license and lives in israel, would he be covered on my cc for CDW?
Title: Re: Credit Card Car Rental Insurance
Post by: hocker on July 03, 2013, 06:50:07 PM
if i add someone to my CC, he is a US citizen but has an israeli drivers license and lives in israel, would he be covered on my cc for CDW?
I don't see the issue.
Title: Re: Credit Card Car Rental Insurance
Post by: Lazegotit on July 03, 2013, 11:06:59 PM
Does AMEX Gold Premier Rewards cover liability? For $20-$25?
Title: Re: Credit Card Car Rental Insurance
Post by: hocker on July 04, 2013, 07:37:14 AM
Does AMEX Gold Premier Rewards cover liability? For $20-$25?
Read the first line in the wiki.

Title: Re: Credit Card Car Rental Insurance
Post by: dovy2 on July 04, 2013, 09:05:15 AM
Hi there folks, I have a lomdishe shailah:
I'm renting a car for a week, next week,
If my personal insurance doesn't cover collision on my car, is there any point in getting AMEX's rental insurance plan for $25, or should I let me reg cc's (secondary) insurance cover the rental?
IOW, since my own insurance doesn't cover my own car, then the cc will be end up being the only source where to pay for anything, or will the cc will still file a claim with my insurance, and it will still affect my premiums?
Title: Re: Credit Card Car Rental Insurance
Post by: hocker on July 04, 2013, 12:50:39 PM
Hi there folks, I have a lomdishe shailah:
I'm renting a car for a week, next week,
If my personal insurance doesn't cover collision on my car, is there any point in getting AMEX's rental insurance plan for $25, or should I let me reg cc's (secondary) insurance cover the rental?
IOW, since my own insurance doesn't cover my own car, then the cc will be end up being the only source where to pay for anything, or will the cc will still file a claim with my insurance, and it will still affect my premiums?
If you're own insurance doesn't cover your rental car the CC will be primary and your car insurance premiums will not go up. (99% sure). The only reason to still use the Amex Premium plan is that officially the CS is better, they cover larger cars and up to 40+ days.
Title: Re: Credit Card Car Rental Insurance
Post by: HP58 on July 08, 2013, 03:04:02 PM
Does Amex cover liability for all drivers or only the cardholder?
Title: Re: Credit Card Car Rental Insurance
Post by: dovy2 on July 08, 2013, 04:53:28 PM
doesn't cover ANY liability. No credit card does.
Title: Re: Credit Card Car Rental Insurance
Post by: HP58 on July 08, 2013, 05:43:02 PM
Sorry meant CDW.
Title: Re: Credit Card Car Rental Insurance
Post by: Lazegotit on July 09, 2013, 11:21:04 AM
doesn't cover ANY liability. No credit card does.
With amex, must I pay the $25 fee to get coverage?
Title: Re: Credit Card Car Rental Insurance
Post by: yossi4k on July 14, 2013, 06:59:53 PM
doesn't cover ANY liability. No credit card does.
True but USAA does
Title: Re: Credit Card Car Rental Insurance
Post by: hocker on July 15, 2013, 01:04:25 AM
With amex, must I pay the $25 fee to get coverage?
No, you have basic coverage the add-on is for premium coverage.
True but USAA does
AFAIK they stopped.
Title: Re: Credit Card Car Rental Insurance
Post by: yossi4k on July 15, 2013, 12:57:22 PM
AFAIK they stopped.
  It's on their website.
Title: Re: Credit Card Car Rental Insurance
Post by: frastar on July 17, 2013, 10:15:31 PM
I just received my new sapphire preferred world MasterCard in the mail. The credit card agreement (and the credit card activation rep that I spoke with) states that rental coverage is SECONDARY rather than primary and also stated it "may" exclude Israel. Is this new? I am traveling to Israel shortly and was counting on this World MasterCard for its primary coverage in Israel.
Title: Re: Credit Card Car Rental Insurance
Post by: shmooz on July 17, 2013, 11:23:23 PM
I just received my new sapphire preferred world MasterCard in the mail. The credit card agreement (and the credit card activation rep that I spoke with) states that rental coverage is SECONDARY rather than primary and also stated it "may" exclude Israel. Is this new? I am traveling to Israel shortly and was counting on this World MasterCard for its primary coverage in Israel.

It will be primary since your own insurance wont cover israel.
It may not be accepted if the agency doesnt accept it, call 800 MC ASSIST and get a letter
Title: Re: Credit Card Car Rental Insurance
Post by: shmooz on July 17, 2013, 11:25:43 PM
I have a $50 coupon  discount on a car rental, would this affect any coverage with SP MC? The MC agent said it wont be a problem, but he didnt seem 100% sure. I think the agreement says one full day must be charged to the card. Anyone can confirm?
Title: Re: Credit Card Car Rental Insurance
Post by: frastar on July 18, 2013, 03:59:41 PM
It will be primary since your own insurance wont cover israel.
It may not be accepted if the agency doesnt accept it, call 800 MC ASSIST and get a letter

Thanks! I am renting from Hertz at Ben Gurion.  This is the letter I got from MC Assist this afternoon.  Is this the right letter? Should I expect a problem from Hertz about accepting this letter?

"Thank you for your recent inquiry regarding the MasterRental® coverage associated with your MasterCard® World Card.

This letter confirms that your World MasterCard® Card provides MasterRental® coverage. Therefore, vehicles rented with your card are eligible for coverage in Israel. Please note that the coverage is subject to the terms and conditions of the MasterRental® program.

Please refer to the MasterRental® Guide to Benefits for a complete listing of the terms, conditions and exclusions associated with this program. This letter is in effect for 60 days from the date of issuance.

If you need to file a claim under the MasterRental® program, please visit us at www.mycardbenefits.com or call us at 1-877-354-8330.


Sincerely,
Robert Brewer
MasterCard Assistance Center"

 
Title: Re: Credit Card Car Rental Insurance
Post by: dovy2 on July 18, 2013, 11:36:40 PM
Thanks! I am renting from Hertz at Ben Gurion.  This is the letter I got from MC Assist this afternoon.  Is this the right letter? Should I expect a problem from Hertz about accepting this letter?

"Thank you for your recent inquiry regarding the MasterRental® coverage associated with your MasterCard® World Card.

This letter confirms that your World MasterCard® Card provides MasterRental® coverage. Therefore, vehicles rented with your card are eligible for coverage in Israel. Please note that the coverage is subject to the terms and conditions of the MasterRental® program.

Please refer to the MasterRental® Guide to Benefits for a complete listing of the terms, conditions and exclusions associated with this program. This letter is in effect for 60 days from the date of issuance.

If you need to file a claim under the MasterRental® program, please visit us at www.mycardbenefits.com or call us at 1-877-354-8330.


Sincerely,
Robert Brewer
MasterCard Assistance Center"

yup.. shouldnt  be a problem
Title: Re: Credit Card Car Rental Insurance
Post by: A European on October 05, 2013, 09:24:24 PM
Just saw this thread,
but I posted already a relevant post on the dollar master thread,
about coverage in Germany.

http://forums.dansdeals.com/index.php?topic=10603.msg593396#msg593396
Title: Re: Credit Card Car Rental Insurance
Post by: yos9694 on October 08, 2013, 04:43:03 PM
If I rent a car through the SkyMiles marketplace, and move the slider so I pay 99% of the cost with SkyMiles but 1% using my Chase UME, will the credit card cover CDW? Thanks
Title: Re: Credit Card Car Rental Insurance
Post by: Dave321 on October 14, 2013, 10:47:13 AM
If I have Amex Starwood personal card and an Amex Gold biz, do they both have coverage without any extra fees?
Title: Re: Credit Card Car Rental Insurance
Post by: SGF on October 14, 2013, 10:55:38 AM
If I have Amex Starwood personal card and an Amex Gold biz, do they both have coverage without any extra fees?
Any amex card has regular coverage in the US, in addition to that they have a option u can sign up for that is called amex premium car rental insurance which covers much more stuff that no one else covers.
Title: Re: Credit Card Car Rental Insurance
Post by: Dave321 on October 14, 2013, 10:57:16 AM
Any amex card has regular coverage in the US, in addition to that they have a option u can sign up for that is called amex premium car rental insurance which covers much more stuff that no one else covers.

Thanks. Is there a charge for premium?
Title: Re: Credit Card Car Rental Insurance
Post by: SGF on October 14, 2013, 10:58:01 AM
Thanks. Is there a charge for premium?
Read the wiki
Title: Re: Credit Card Car Rental Insurance
Post by: Dave321 on October 14, 2013, 10:59:03 AM
Read the wiki

oops!  :-[
Title: Re: Credit Card Car Rental Insurance
Post by: yos9694 on October 14, 2013, 11:06:19 AM
If I rent a car through the SkyMiles marketplace, and move the slider so I pay 99% of the cost with SkyMiles but 1% using my Chase UME, will the credit card cover CDW? Thanks

Anyone have experience paying for rental cars with Skymiles?
Title: Re: Credit Card Car Rental Insurance
Post by: bobthebuilder on October 16, 2013, 12:54:58 PM
is it recomended to take out liability insurance?
Legaly a rental car company covers the state minimum (LIS)
Title: Re: Credit Card Car Rental Insurance
Post by: bobthebuilder on October 16, 2013, 12:57:10 PM
no, bbut i do have plenty of experience and have done alot of research on the subject......why are u so full of hate? we just try to help here, if u have nothing good to say you dont have to make  a comment
Legaly a rental car company covers the state minimum (LIS)
Title: Re: Credit Card Car Rental Insurance
Post by: bobthebuilder on October 16, 2013, 12:58:57 PM
i'll tell u y, they max out at $10,000 per person. which means that when ur in an accident forget about the damage to the car, just the ride to the hospital is a $1,000 by the time the guy comes out ur in debt for hundreds of thousands of dollars (assuming that it ur fault, which is when u need liability)  so when u tell me "hey the guys broke we dont need insurance, i feel thats a little crazy and then u also have to pay for his car so if the guys  driving a car that cost more than $10,000 ur in trouble. one last thing that i'll point out is that the paper work and court that will happen wen u dont have the money is worth the 12 dollars a day extra for insurance.
For hertz its 10k property, 25K medical up to 50k
Title: Re: Credit Card Car Rental Insurance
Post by: bobthebuilder on October 16, 2013, 03:58:32 PM
With amex, must I pay the $25 fee to get coverage?
simple just put the hold on the amex, when returning pay with a diff card and tell amex (if they charge) that you didnt use that card for the rental

P.S. you need to be signed up prior for the premium CDW
Title: Re: Credit Card Car Rental Insurance
Post by: bobthebuilder on October 16, 2013, 04:06:23 PM
Thanks. Is there a charge for premium?
simple just put the hold on the amex, when returning pay with a diff card and tell amex (if they charge) that you didnt use that card for the rental

P.S. you need to be signed up prior for the premium CDW
Title: uhaul and cc insurance- what cc to use
Post by: Excalibur on October 20, 2013, 01:14:19 PM
I have barclays wma and chase united

Does any cc cover insurance on truck rentals? I searched and didn't find
Title: Re: uhaul and cc insurance- what cc to use
Post by: Crazy tools on October 20, 2013, 02:07:08 PM
No cc covers for trucks
Title: Re: uhaul and cc insurance- what cc to use
Post by: myb821 on October 20, 2013, 02:07:31 PM
No cc covers for trucks
+1
Title: Re: uhaul and cc insurance- what cc to use
Post by: Dan on October 20, 2013, 02:10:27 PM
No cc covers for trucks
+1
-1
Title: Re: uhaul and cc insurance- what cc to use
Post by: YankyDoodle on October 20, 2013, 02:11:00 PM
No cc covers for trucks

My experience as well (unless it's the very small size, I'm not sure).
Title: Re: uhaul and cc insurance- what cc to use
Post by: Super Speed on October 20, 2013, 02:11:38 PM
-1
You can't -1 and not say which one! :)

Title: Re: uhaul and cc insurance- what cc to use
Post by: @Yehuda on October 20, 2013, 02:12:40 PM
You can't -1 and not say which one! :)

+1 :p
Title: Re: uhaul and cc insurance- what cc to use
Post by: Crazy tools on October 20, 2013, 02:13:33 PM
Glad to hear i'm wrong. Dan can you please let us know which card covers...   -1 is pointless without an explanation!
Title: Re: uhaul and cc insurance- what cc to use
Post by: SGF on October 20, 2013, 02:19:12 PM
http://www.uhaul.com/FrequentlyAskedQuestions/208/Damage-coverage#654 (http://www.uhaul.com/FrequentlyAskedQuestions/208/Damage-coverage#654)
Though Amex premium does cover cargo vans and pick up trucks.
Title: Re: uhaul and cc insurance- what cc to use
Post by: Dan on October 20, 2013, 02:24:08 PM
AMEX Plat September statement:
Title: Re: uhaul and cc insurance- what cc to use
Post by: Crazy tools on October 20, 2013, 02:24:38 PM
Cargo vans and pickup trucks in my dictionary do not equal trucks. . . .  Although i guess this is what the op could've meant.
Title: Re: uhaul and cc insurance- what cc to use
Post by: Dan on October 20, 2013, 02:29:07 PM
Where does it say pickup truck??
Title: Re: uhaul and cc insurance- what cc to use
Post by: Crazy tools on October 20, 2013, 02:30:55 PM
Edited my post.
Title: Re: uhaul and cc insurance- what cc to use
Post by: Dan on October 20, 2013, 02:31:06 PM
More documentation deleting trucks from excluded items on Plat card:
Title: Re: uhaul and cc insurance- what cc to use
Post by: Dan on October 20, 2013, 03:31:59 PM
Talked to AMEX CDW.
They have no idea why it says trucks as they have no info about that.
They're escalating it and are going to call me back later this week with info.
Title: Re: uhaul and cc insurance- what cc to use
Post by: Excalibur on October 20, 2013, 08:17:51 PM
Dafka amex cdw or other ccs with.cdw will cover? There is a pick up truck option in hertz, but I was looking into uhaul. Which cards cover which rental?
Title: Re: uhaul and cc insurance- what cc to use
Post by: Crazy tools on October 20, 2013, 08:28:59 PM
Dafka amex cdw or other ccs with.cdw will cover? There is a pick up truck option in hertz, but I was looking into uhaul. Which cards cover which rental?
CMIIW but even a pickup from Hertz, most credit cards (or al except amex as per dan) will not cover.
Title: Re: uhaul and cc insurance- what cc to use
Post by: menachem_m on October 20, 2013, 08:42:11 PM
CMIIW but even a pickup from Hertz, most credit cards (or al except amex as per dan) will not cover.

https://www295.americanexpress.com/premium/car-rental-insurance-coverage/home.do
Title: Re: uhaul and cc insurance- what cc to use
Post by: Crazy tools on October 20, 2013, 08:45:09 PM
https://www295.americanexpress.com/premium/car-rental-insurance-coverage/home.do
So your saying I'm right that no one covers pickups except amex premium?
Title: Re: uhaul and cc insurance- what cc to use
Post by: Dan on October 20, 2013, 08:56:35 PM
So your saying I'm right that no one covers pickups except amex premium?
AMEX Plat non-premium does.
Title: Re: uhaul and cc insurance- what cc to use
Post by: Dan on October 20, 2013, 08:57:15 PM
(or al except amex as per dan)
AMEX confirmed pickups as well on the Plat card.
The confusion is regarding "trucks".
Title: Re: uhaul and cc insurance- what cc to use
Post by: menachem_m on October 20, 2013, 09:04:52 PM
So your saying I'm right that no one covers pickups except amex premium?

Your are confusing two products.
Dan is referencing the $450 Amex Platinum
This is a add on product available on (all?) Amex's.
Title: Re: uhaul and cc insurance- what cc to use
Post by: Crazy tools on October 20, 2013, 09:19:54 PM
AMEX Plat non-premium does.
Your are confusing two products.
Dan is referencing the $450 Amex Platinum
This is a add on product available on (all?) Amex's.
didn't realize that there is a difference in basic coverage between the reg and plat. Now I know, Thanks
The confusion is regarding "trucks".
When you say confusion you mean on Amex's part? Is there really a tzad that they would cover full size trucks? (Didn't understand what you wrote up thread)
Title: Re: Credit Card Car Rental Insurance
Post by: RoboJam on October 21, 2013, 09:12:04 AM
Traveling to israel on 10 days, is that enough time to convert my SP VISA to MC?
Title: Re: Credit Card Car Rental Insurance
Post by: Crazy tools on November 21, 2013, 03:37:47 PM
So now that all (I think) chase credit cards cover cdw in Israel even the visa, has anyone used it?
The terms on Israeli rental contracts still say you need a master card world.
Of course I know that you sometimes need a letter of coverage from the cc.
My question is are the rental agents in Israel familiar with this change and honoring it? Or do you have to fight with them explaining that it's a new change?
Title: Re: Credit Card Car Rental Insurance
Post by: smiley face on November 24, 2013, 04:31:31 AM
We are using the sapphire preferred cc for a car rental in Israel. We are returning the car with a slight dent, what steps do we take from here?
Title: Re: Credit Card Car Rental Insurance
Post by: bobthebuilder on November 24, 2013, 06:25:05 AM
We are using the sapphire preferred cc for a car rental in Israel. We are returning the car with a slight dent, what steps do we take from here?
Hope they dont notice  ;)
Title: Re: Credit Card Car Rental Insurance
Post by: smiley face on November 24, 2013, 06:29:57 AM
Hope they dont notice  ;)
Oh no what does that mean??
Title: Re: Credit Card Car Rental Insurance
Post by: Crazy tools on November 25, 2013, 10:40:45 PM
In the past (before chase benefits were changed) when requesting a letter of coverage from the credit card for Israel, the letter specifically said Israel. IME under the new changes the letter is generic and they didn't want to specially write Israel. Anyone else have the same?
I hope hertz (who requires a letter) will honor this. Any experience renting with one of these generic letters of coverage?
Title: Re: Credit Card Car Rental Insurance
Post by: Zevwolf on February 03, 2014, 11:08:20 PM
I got some damage on my rented car, I paid with a barclay MC, what do  I do next I signed some paper work @ the renta.l do I need to contact MC to make a claim or the the rental will take care of it?
Title: Re: Credit Card Car Rental Insurance
Post by: Zevwolf on February 04, 2014, 11:22:01 PM
BUMP
Title: Re: Credit Card Car Rental Insurance
Post by: Dr Moose on February 05, 2014, 01:38:39 AM
you need to contact MC
Title: Re: Credit Card Car Rental Insurance
Post by: bobthebuilder on February 05, 2014, 06:53:04 AM
I got some damage on my rented car, I paid with a barclay MC, what do  I do next I signed some paper work @ the renta.l do I need to contact MC to make a claim or the the rental will take care of it?
Contact MC withing 45 days and fill out the report, you have a year after that to send in all the other paperwork
Title: Re: Credit Card Car Rental Insurance
Post by: Zevwolf on February 10, 2014, 08:09:23 PM
Does the CC insurance pay even if the damage was your fault?
Title: Re: Credit Card Car Rental Insurance
Post by: raphy781 on February 10, 2014, 08:13:21 PM
Does the CC insurance pay even if the damage was your fault?
Yes. (If it wasn't your fault the other driver's insurance would have to pay)
Title: Re: Credit Card Car Rental Insurance
Post by: meshugener on February 10, 2014, 08:39:29 PM
What does that mean?

2/9/2014
 
Claim Number:    XXXXXXXX
Date of Incident:    9/25/2013
Rental Company:    Enterprise (Dru 3)
Rental Agreement/File #:    XXXXXX
Rental Company Claim Number:    XXXXXX
 
Dear XXX XXXX:

Recently you submitted a claim under the MasterCard® MasterRental® Collision Damage Waiver Insurance program.
Upon review of your claim we find that we still have not received the following information:

-All documentation received

We have contacted the rental car company to secure supporting documents. At this time we find that we still have not received the following information.  Please note that we will continue to contact them on your behalf; however, if you have any of these please submit them with the above documents to expedite the processing of your claim:

-Closed rental agreement
-Demand Letter
-Appraisal of or Estimate of Damage

You can submit the required documents by visiting our claim site at www.mycardbenefits.com or via the following methods:
Email:   mcresponse@ufac-claims.com
Fax:   1-216-617-2910
Mail:   MasterCard® Assistance Center
    c/o Program Administrator at Sedgwick Claims Management Services, Inc.
    PO Box 89405
    Cleveland, OH 44101-6405
Please write your claim number on each page of the documents you submit to us.

Should you have any questions, or if we can be of assistance, please don't hesitate to contact us at our toll free number 1-800-MCASSIST (1-800-622-7747), or by e-mail at mcresponse@ufac-claims.com.  You can check the status of your claim by visiting www.mycardbenefits.com. Thank you for choosing MasterCard.
Sincerely,
Andrea Petrey
Mastercard® Assistance Center
 
Title: Re: Credit Card Car Rental Insurance
Post by: plainbachur on February 10, 2014, 09:56:26 PM
What does that mean?

2/9/2014
 
Claim Number: XXXXXXXX
Date of Incident: 9/25/2013
Rental Company: Enterprise (Dru 3)
Rental Agreement/File #: XXXXXX
Rental Company Claim Number: XXXXXX
 
Dear XXX XXXX:

Recently you submitted a claim under the MasterCard® MasterRental® Collision Damage Waiver Insurance program.
Upon review of your claim we find that we still have not received the following information:

-All documentation received

We have contacted the rental car company to secure supporting documents. At this time we find that we still have not received the following information.  Please note that we will continue to contact them on your behalf; however, if you have any of these please submit them with the above documents to expedite the processing of your claim:

-Closed rental agreement
-Demand Letter
-Appraisal of or Estimate of Damage

You can submit the required documents by visiting our claim site at www.mycardbenefits.com or via the following methods:
Email:mcresponse@ufac-claims.com
Fax:1-216-617-2910
Mail:MasterCard® Assistance Center
 c/o Program Administrator at Sedgwick Claims Management Services, Inc.
 PO Box 89405
 Cleveland, OH 44101-6405
Please write your claim number on each page of the documents you submit to us.

Should you have any questions, or if we can be of assistance, please don't hesitate to contact us at our toll free number 1-800-MCASSIST (1-800-622-7747), or by e-mail at mcresponse@ufac-claims.com.  You can check the status of your claim by visiting www.mycardbenefits.com. Thank you for choosing MasterCard.
Sincerely,
Andrea Petrey
Mastercard® Assistance Center
did u ask enterprise for a letter asking for $ for the damage?
Title: Re: Credit Card Car Rental Insurance
Post by: meshugener on February 10, 2014, 10:09:16 PM
did u ask enterprise for a letter asking for $ for the damage?
No, that's not my business.
It seems like I did everything on my end, they're just waiting for Enterprise to respond.
Does that make sense? Date of incident was back in September.
Title: Re: Credit Card Car Rental Insurance
Post by: Crazy tools on February 10, 2014, 10:32:59 PM
No, that's not my business.
It seems like I did everything on my end, they're just waiting for Enterprise to respond.
Does that make sense? Date of incident was back in September.
It is enterprises job to respond. After they do, you should get an email from enterprise with those documents.
I assume you didn't pay anything for damage. You should be good to go. It's between master card and enterprise at this point.
Title: Re: Credit Card Car Rental Insurance
Post by: meshugener on February 10, 2014, 11:01:21 PM
Yes, I didn't pay.
Thanks.
Title: Re: Credit Card Car Rental Insurance
Post by: Dr Moose on February 11, 2014, 05:04:46 AM
:
-Closed rental agreement
a copy of your rental receipt which you should've received after you returned the car
-Demand Letter
?
-Appraisal of or Estimate of Damage
enterprise should've mailed you a copy of this, because they want you to pay for it. IME with Hertz, they dont contact the cc insurance at all; I had to be the middle man.
Title: Re: Credit Card Car Rental Insurance
Post by: Zevwolf on February 13, 2014, 09:42:33 AM
MC want's a notarized statement indicating that I didn't have my own insurance which includes the date of incident, how do  I get that statment?
Title: Re: Credit Card Car Rental Insurance
Post by: sky121 on February 13, 2014, 10:00:28 AM
MC want's a notarized statement indicating that I didn't have my own insurance which includes the date of incident, how do  I get that statment?

Write it and sign it in front of a Notary?
Title: Re: Credit Card Car Rental Insurance
Post by: Zevwolf on February 13, 2014, 01:34:13 PM
But The date of the incident is in the past.
Title: Re: Credit Card Car Rental Insurance
Post by: dsw193 on February 13, 2014, 01:41:04 PM
But The date of the incident is in the past.
"I Zevwolf did not have insurance coverage at date of incident.............................................................................

dated today and notarized.
Title: Re: Credit Card Car Rental Insurance
Post by: raphy781 on February 13, 2014, 02:38:44 PM
But The date of the incident is in the past.
Notary just proves who you are not that what you're saying is true.
Title: Re: Credit Card Car Rental Insurance
Post by: aryeh1 on February 15, 2014, 09:21:58 PM
Anyone know if the Mastercard needs to match my name for rental insurance?
Title: Re: Credit Card Car Rental Insurance
Post by: yaakov on February 17, 2014, 03:01:57 PM
is there anyway to get liability not from the car rental place? ive seen that usaa covers on this thread does it still exist? could i buy it from a third party site for cheaper? thanks
Title: Re: Credit Card Car Rental Insurance
Post by: Crazy tools on February 17, 2014, 03:08:53 PM
could i buy it from a third party site for cheaper? thanks
AFAIK you can not get liability from anyone other than the rental agency (or your personal car insurance)

Insurance included in corporates is a different story.
And there are state minimums that the rental company must cover. Don't have much info on that though.

To be safely and fully covered you just purchase from them or have your own car insurance
Title: Re: Credit Card Car Rental Insurance
Post by: yaakov on February 18, 2014, 12:36:33 PM
thanks. does anyone know about the state minimum from the rental company ( if they have why is it different from the guy that crashed into me a couple of monhs ago that had state min, and i was stuck and went through my own ins.)
Title: Re: Credit Card Car Rental Insurance
Post by: yaakov on February 19, 2014, 11:29:39 AM
i saw somewhere that if i have renters ins on my rented apt it will cover liability. anybody have experience with this
Title: Re: Credit Card Car Rental Insurance
Post by: DBK on February 19, 2014, 12:09:10 PM
i saw somewhere that if i have renters ins on my rented apt it will cover liability. anybody have experience with this
Need to look at T&C of your renters insurance for specifics
Title: Re: Credit Card Car Rental Insurance
Post by: bobthebuilder on February 22, 2014, 04:46:14 PM
i saw somewhere that if i have renters ins on my rented apt it will cover liability. anybody have experience with this
??? how does house insurance cover cars?!?!?
Title: Re: Credit Card Car Rental Insurance
Post by: yaakov on February 23, 2014, 12:40:10 PM
bec it covers liability of yours if someone sues u even if it did not happen on site of the property
Title: Re: Credit Card Car Rental Insurance
Post by: shmebeble on February 23, 2014, 12:41:38 PM
Which cards that offer CDW cover drivers that are 20 years old?
I have Amex Platinum, Sapphire and United and Citi Executive.
Title: Re: Credit Card Car Rental Insurance
Post by: Dr Moose on February 23, 2014, 12:43:41 PM
Which cards that offer CDW cover drivers that are 20 years old?
I have Amex Platinum, Sapphire and United and Citi Executive.
If you're the primary driver, any cc should cover you
Title: Re: Credit Card Car Rental Insurance
Post by: shmebeble on February 23, 2014, 12:46:29 PM
If you're the primary driver, any cc should cover you
Experience? Thanks
Title: Re: Credit Card Car Rental Insurance
Post by: Dr Moose on February 23, 2014, 12:53:27 PM
Experience? Thanks
yes.
they don't ask you about your age. but the corporate account has to be one that you can legally use. Also, the united card gives primary CDW so you should probably use that.
Title: Re: Credit Card Car Rental Insurance
Post by: shmebeble on February 23, 2014, 01:00:35 PM
yes.
they don't ask you about your age. but the corporate account has to be one that you can legally use. Also, the united card gives primary CDW so you should probably use that.
I have a USAA account, (not a debit card, just signed up normally) so I can use that code. And I will just use the United card. Thanks
Title: Re: Credit Card Car Rental Insurance
Post by: bobthebuilder on February 24, 2014, 06:05:42 AM
I have a USAA account, (not a debit card, just signed up normally) so I can use that code. And I will just use the United card. Thanks
If you're the primary driver, any cc should cover you
+1 All CC cover rentals even without USAA
Title: Re: Credit Card Car Rental Insurance
Post by: Dr Moose on February 24, 2014, 06:09:39 AM
+1 All CC cover rentals even without USAA
he needs USAA to be able to rent the car.

Which cards that offer CDW cover drivers that are 20 years old?
I have Amex Platinum, Sapphire and United and Citi Executive.
Title: Re: Credit Card Car Rental Insurance
Post by: bobthebuilder on February 24, 2014, 06:11:39 AM
he needs USAA to be able to rent the car.
True story, get a cdp that allows 20 year olds
Title: Re: Credit Card Car Rental Insurance
Post by: yoshi on February 24, 2014, 11:38:29 AM
If I am renting from national in canada.  Am I covered by the rental company?
Title: Re: Credit Card Car Rental Insurance
Post by: yoshi on February 24, 2014, 07:27:29 PM
Bump
Title: Re: Credit Card Car Rental Insurance
Post by: yoshi on February 25, 2014, 11:56:21 PM
Didn't see this on the wiki.
Anyone renting in Canada (not sure if this applies to everywhere else outside the USA) with a visa card is covered with PRIMARY Insurance. Although not covered with Liability.
Also According to Canadian law the rental complany has to cover liability.
So Basically if you rent with a Visa CC in Canada you don't have to purchase insurance at all.
Title: Re: Credit Card Car Rental Insurance
Post by: MoGro17 on March 08, 2014, 10:08:04 PM
renting a car in maimi soon for one week. Underage but using corporate code.
which of the following cards is best to use with regards to insurance and coverage?
British Airways Chase Visa
Chase Freedom Visa
Chase Ink Bold Mastercard
Chase Sapphire Preferred Visa Signature
Amex Starwood Preferred Guest
Title: Re: Credit Card Car Rental Insurance
Post by: MoGro17 on March 08, 2014, 11:07:33 PM
what the heck.

I'm renting in two weeks.
Which card should I get to cover me fully?
What do I need to know?
Title: Re: Credit Card Car Rental Insurance
Post by: DBK on March 09, 2014, 09:36:18 PM

what the heck.

I'm renting in two weeks.
Which card should I get to cover me fully?
What do I need to know?
United MPE card US. SP for foreign countries. Rep will tell all terms.
Title: Re: Credit Card Car Rental Insurance
Post by: yehudah on March 10, 2014, 06:36:22 PM
do you or do you not need TP(theft protection) and SLI(Supplemental Liability Insurance)
when renting a car in Israel?
not asking if its good to have or not, the question is will they let you leave the airport with out taking it?

CDW is covered with my MC
Title: Re: Credit Card Car Rental Insurance
Post by: Joe4007 on March 10, 2014, 06:41:43 PM
do you or do you not need TP(theft protection) and SLI(Supplemental Liability Insurance)
when renting a car in Israel?
not asking if its good to have or not, the question is will they let you leave the airport with out taking it?

CDW is covered with my MC
Yes, you will need to buy Supplemental Liability Insurance. I beleive you would'nt need to buy TP though.
Title: Re: Credit Card Car Rental Insurance
Post by: yehudah on March 10, 2014, 07:36:22 PM
Yes, you will need to buy Supplemental Liability Insurance. I beleive you would'nt need to buy TP though.
thank you
Title: Re: Credit Card Car Rental Insurance
Post by: ae123 on March 13, 2014, 06:18:52 PM
1 - Doesn't United Mileage Plus Explorer cover CDW in Israel nowadays?
2 - If yes, do you still need a letter?
3 - Does Sapphire Preferred Visa give CDW in Israel or only MasterCard?
4 - Does the authorized user get CDW coverage in Israel or only the Primary cardholder?
Thanks.
Title: Re: Credit Card Car Rental Insurance
Post by: Mendel72 on March 14, 2014, 01:19:51 AM
There seems to be a difference between the Chase and WMC coverages. WMC coveres up to 9 passenger vehicles while Chase covers only up to 8 passengers.

So if you are renting a 9 passenger van in Israel make sure you have a WMC, because Chase won't work.
Title: Re: Credit Card Car Rental Insurance
Post by: ae123 on March 17, 2014, 11:06:38 AM
When booking a rental at TLV/Israel through a site like Kayak or Holiday Auto etc., will I really be paying what they say is the total or are there fees/taxes/surcharges added on at the airport?
Title: Re: Credit Card Car Rental Insurance
Post by: Joe4007 on March 17, 2014, 11:13:15 AM
When booking a rental at TLV/Israel through a site like Kayak or Holiday Auto etc., will I really be paying what they say is the total or are there fees/taxes/surcharges added on at the airport?
Insurance will he added, and that's not cheap.
Title: Re: Credit Card Car Rental Insurance
Post by: ae123 on March 17, 2014, 11:23:09 AM
Insurance will he added, and that's not cheap.

Thanks for the reply.

1 - Even though these sites say it's the total price?
2 - If I have CDW from my CC, approximately how much would they add for Liability and Theft per day for a simple 4 door car?
Title: Re: Credit Card Car Rental Insurance
Post by: Joe4007 on March 17, 2014, 11:28:11 AM
1 - Doesn't United Mileage Plus Explorer cover CDW in Israel nowadays?
2 - If yes, do you still need a letter?
3 - Does Sapphire Preferred Visa give CDW in Israel or only MasterCard?
4 - Does the authorized user get CDW coverage in Israel or only the Primary cardholder?
Thanks.
1. Yes

2. Technically you do, however, I believe that by now they already know that Chase CC's cover Israel so they won't ask you for the letter. At least that was my experience.

3. Sapphire preferred visa as well.
Title: Re: Credit Card Car Rental Insurance
Post by: Joe4007 on March 17, 2014, 02:31:51 PM
Thanks for the reply.

1 - Even though these sites say it's the total price?
2 - If I have CDW from my CC, approximately how much would they add for Liability and Theft per day for a simple 4 door car?
1. Did you read the fine print? The following is from Kayak's "Additional rental terms" when booking with budget (I believe others have similar wording):
Quote
IF CDW AND TP ARE DECLINED, IT IS MANDATORY TO PURCHASE THIRD PARTY (PUBLIC) LIABILITY INSURANCE. THIRD PARTY LIABILITY IS NOT COVERED BY RATES

2. I would guess somewhere around $10-$15, but that's just a guess.
Title: Re: Credit Card Car Rental Insurance
Post by: MoGro17 on March 17, 2014, 02:35:50 PM
United MPE card US. SP for foreign countries. Rep will tell all terms.
thx. got it.
Title: Re: Credit Card Car Rental Insurance
Post by: @Yehuda on May 06, 2014, 12:10:41 PM
When renting a car internationally, do most people just use one of the CCs that offer CDW/LDW or do you also buy liability?
Title: Re: Credit Card Car Rental Insurance
Post by: DBK on May 06, 2014, 12:56:57 PM
When renting a car internationally, do most people just use one of the CCs that offer CDW/LDW or do you also buy liability?
I used the sapphire and it was the best decision I made. The car I rented had gotten damage I was charged and I simply used the SP benefits through Chase and a few weeks later I had a check in my pocket to reimburse me. Free protection is great.
Title: Re: Credit Card Car Rental Insurance
Post by: @Yehuda on May 06, 2014, 01:15:33 PM
I used the sapphire and it was the best decision I made. The car I rented had gotten damage I was charged and I simply used the SP benefits through Chase and a few weeks later I had a check in my pocket to reimburse me. Free protection is great.
Sweet! Just seems like "liability" is not covered by the card. I'm curious what that means exactly.
Title: Re: Credit Card Car Rental Insurance
Post by: DBK on May 06, 2014, 01:49:42 PM
Sweet! Just seems like "liability" is not covered by the card. I'm curious what that means exactly.
Call up card benefits services theyre great IME and will answer any and all questions you may have
Title: Re: Credit Card Car Rental Insurance
Post by: Dr Moose on May 06, 2014, 03:17:51 PM
Does anyone have a direct number to mastercard car rental insurance
Title: Re: Credit Card Car Rental Insurance
Post by: DBK on May 06, 2014, 03:21:30 PM
Does anyone have a direct number to mastercard car rental insurance
1-800-MC-ASSIST
Title: Re: Credit Card Car Rental Insurance
Post by: Dr Moose on May 06, 2014, 03:22:56 PM
1-800-MC-ASSIST
Is there no direct number?
Title: Re: Credit Card Car Rental Insurance
Post by: DBK on May 06, 2014, 06:53:34 PM
Is there no direct number?
Dont think anything more direct than that number
Title: Re: Credit Card Car Rental Insurance
Post by: nuko on May 08, 2014, 11:40:39 AM
The AmericanAirlines Citi Mastercard said that they cover CDW in Israel
Title: Re: Credit Card Car Rental Insurance
Post by: Joe4007 on May 08, 2014, 12:49:26 PM
The AmericanAirlines Citi Mastercard said that they cover CDW in Israel
Yup. It's a world Master Card.
Title: Re: Credit Card Car Rental Insurance
Post by: Mmendel on May 21, 2014, 10:47:01 PM
Has anyone used Amex premium rental insurance? My rental car was recently broken into and a laptop bag stolen. I no longer have access to the receipt of any items in the bag (it's over 5 years old). Anyone have experience dealing with this? Will I need the receipts and what is their verification process?
Title: Re: Credit Card Car Rental Insurance
Post by: chaimyl on May 23, 2014, 02:20:58 PM
amex dosent cover theft from cars i had an ipad stolen from my car and amex didnt cover it
Title: Re: Credit Card Car Rental Insurance
Post by: Mmendel on May 23, 2014, 02:25:26 PM
Did you have premium car rental insurance? They supposedly cover $5k of personal items stolen in the vehicle...
Title: Re: Credit Card Car Rental Insurance
Post by: bochur123 on May 23, 2014, 02:43:12 PM
Sweet! Just seems like "liability" is not covered by the card. I'm curious what that means exactly.
No cards cover liability AFAIK
Title: Credit card car rental insurance
Post by: nkrut on June 06, 2014, 02:59:26 PM
I rent cars quite often. Over the past few years, I've rented all different types of cars (including SUVs  minivans & pick-up trucks) using my credit card for insurance. This summer I plan on driving a 24ft budget moving truck cross country, so I was trying to find out if my credit cards would cover my truck. I read the fine prints and spoke to agents on the phone for both my amex gold and my citi executive advantage mastercard. They all say that it does not cover any SUVs minivans pickups vans trucks or any vehicle valued over $50,000. Has anyone rented anything larger than a full size car?? Did you pay for insurance?
Title: Re: Credit card car rental insurance
Post by: Joe4007 on June 06, 2014, 03:19:03 PM
Please search before creating a new thread.

The following thread has the exact same title as your new one: http://forums.dansdeals.com/index.php?topic=4830.0
Title: Re: Credit Card Car Rental Insurance
Post by: bobthebuilder on June 10, 2014, 12:16:23 AM
I rent cars quite often. Over the past few years, I've rented all different types of cars (including SUVs  minivans & pick-up trucks) using my credit card for insurance. This summer I plan on driving a 24ft budget moving truck cross country, so I was trying to find out if my credit cards would cover my truck. I read the fine prints and spoke to agents on the phone for both my amex gold and my citi executive advantage mastercard. They all say that it does not cover any SUVs minivans pickups vans trucks or any vehicle valued over $50,000. Has anyone rented anything larger than a full size car?? Did you pay for insurance?
Pickup trucks are not covered unless you use Amex premium coverage. Mini van and suv on the other hand are covered with regular CC insurance
Title: Re: Credit Card Car Rental Insurance
Post by: nkrut on June 10, 2014, 07:57:40 AM
That's what I thought too until I read the fine print. I called them and they told me the same thing that suvs and minivans are not covered.
Title: Re: Credit Card Car Rental Insurance
Post by: bobthebuilder on June 10, 2014, 08:01:23 AM
That's what I thought too until I read the fine print. I called them and they told me the same thing that suvs and minivans are not covered.
Reps aren't always the brightest
Title: Re: Credit Card Car Rental Insurance
Post by: Hamavin on June 10, 2014, 09:59:34 AM
does barclays arrival have decent coverage?
Title: Re: Credit Card Car Rental Insurance
Post by: Novo on June 15, 2014, 02:24:14 PM
Are there any CC's other than United that offer primary CDW?
Title: Re: Credit Card Car Rental Insurance
Post by: Novo on June 15, 2014, 10:49:22 PM
Are there any CC's other than United that offer primary CDW?
Bump
Title: Re: Credit Card Car Rental Insurance
Post by: Super Speed on June 16, 2014, 12:14:09 AM

Bump
Per forum rules you can not bump a post within 3 days from your last post.
Title: Re: Credit Card Car Rental Insurance
Post by: Novo on June 16, 2014, 10:34:32 PM
Per forum rules you can not bump a post within 3 days from your last post.
Ok. I promise, from now on I'll be a good boy, I won't do this again. But for now, does anyone know if there's any other CC besides United that has primary CDW
Title: Re: Credit Card Car Rental Insurance
Post by: Super Speed on June 17, 2014, 12:16:39 AM

Ok. I promise, from now on I'll be a good boy, I won't do this again. But for now, does anyone know if there's any other CC besides United that has primary CDW
I believe United is the only one.
Title: Re: Credit Card Car Rental Insurance
Post by: Dr Moose on June 17, 2014, 01:34:44 AM
I believe United is the only one.
Or amex premium car rental, $25 per rental
Title: Re: Credit Card Car Rental Insurance
Post by: Novo on June 17, 2014, 08:49:22 AM
I believe United is the only one.
Thanks
Or amex premium car rental, $25 per rental
Thanks
Title: Re: Credit Card Car Rental Insurance
Post by: Novo on June 17, 2014, 07:37:43 PM
I believe United is the only one.

Or amex premium car rental, $25 per rental

I found another one. it's the Fairmont Visa Signature® Credit Card
https://creditcards.chase.com/credit-cards/fairmont-credit-card.aspx?iCELL=682Q&slatesplit=3&
Title: Re: Credit Card Car Rental Insurance
Post by: Dr Moose on June 18, 2014, 01:54:27 PM
I just filed a claim with MasterCard, they did not cover administration fees ($50) or "Loss of Use" fees ($73.60) because it wasn't supported with proper documentation. the car was rented from Budget
Title: Re: Credit Card Car Rental Insurance
Post by: Excalibur on June 26, 2014, 10:31:55 AM
what's the maximum days in a row a CC will cover CDW for a rental in the US (PA for example)

Thanks ;-)

(looked and couldn't find)
Title: Rental insurance
Post by: california on June 27, 2014, 04:50:52 PM
If I rent a car at hertz for 2 months is there any way I can get insurance?
Is there any company that sells insurance for non car owners?

Plese help, thanks
Title: Re: Rental insurance
Post by: dsw193 on June 27, 2014, 05:00:11 PM
http://forums.dansdeals.com/index.php?topic=4830.0
 (http://www.forums.dansdeals.com/index.php?topic=4830.0)

Amex Premium Car Rental Protection (https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&uact=8&ved=0CDIQFjAA&url=https%3A%2F%2Fwww295.americanexpress.com%2Fpremium%2Fcar-rental-insurance-coverage%2Fhome.do&ei=9dqtU6KvOuThsAT6noGAAg&usg=AFQjCNFUW2K-bmf15UkLq_QNt5DPbZbZFg&sig2=YhPtsMnIle5bLH3hAe1Jsw)
Title: Re: Rental insurance
Post by: california on June 27, 2014, 05:05:37 PM
http://forums.dansdeals.com/index.php?topic=4830.0
 (http://forums.dansdeals.com/index.php?topic=4830.0)

Amex Premium Car Rental Protection (https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&uact=8&ved=0CDIQFjAA&url=https%3A%2F%2Fwww295.americanexpress.com%2Fpremium%2Fcar-rental-insurance-coverage%2Fhome.do&ei=9dqtU6KvOuThsAT6noGAAg&usg=AFQjCNFUW2K-bmf15UkLq_QNt5DPbZbZFg&sig2=YhPtsMnIle5bLH3hAe1Jsw)
I dont have a amex card, and dont think I will get approved for a card
Title: Re: Rental insurance
Post by: dsw193 on June 27, 2014, 05:06:24 PM
Check out thread linked.
Title: Re: Rental insurance
Post by: california on June 27, 2014, 05:07:07 PM
Check out thread linked.
dosent work
Title: Re: Credit Card Car Rental Insurance
Post by: bobthebuilder on June 29, 2014, 01:13:55 AM
what's the maximum days in a row a CC will cover CDW for a rental in the US (PA for example)

Thanks ;-)

(looked and couldn't find)
15 days
With Amex premium 42 days
Title: Re: Credit Card Car Rental Insurance
Post by: Joe4007 on June 29, 2014, 01:19:47 AM
15 days
With Amex premium 42 days
Why 15 days? I believe most cards cover up to a month.
Title: Re: Credit Card Car Rental Insurance
Post by: Excalibur on June 29, 2014, 01:43:46 AM
Why 15 days? I believe most cards cover up to a month.
not in the us

How do I get amex premium, and are there other options
Title: Re: Credit Card Car Rental Insurance
Post by: Joe4007 on June 29, 2014, 03:10:25 AM
not in the us

How do I get amex premium, and are there other options
While there are certain cards that only cover up to 15 days domestically that varies by card.

For example the Amex Gold and Chase Sapphire cover up to 30 and 31 days respectively.
Title: Re: Credit Card Car Rental Insurance
Post by: Excalibur on June 29, 2014, 07:26:11 AM
Domestically?
Title: Re: Credit Card Car Rental Insurance
Post by: Novo on June 29, 2014, 10:45:54 AM
Domestically?
Yup
"All" Amex cards cover for up to 30 days (or more, on the Centurion or with premium)
Most World Master Cards are also 30 days
And some Visa Signature also cover 30 days
Title: Re: Rental insurance
Post by: Joe4007 on June 29, 2014, 05:11:57 PM
dosent work
http://forums.dansdeals.com/index.php?topic=4830.0
Title: Re: Rental insurance
Post by: Joe4007 on June 29, 2014, 05:16:16 PM
http://forums.dansdeals.com/index.php?topic=4830.0
 (http://www.forums.dansdeals.com/index.php?topic=4830.0)

Amex Premium Car Rental Protection (https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&cad=rja&uact=8&ved=0CDIQFjAA&url=https%3A%2F%2Fwww295.americanexpress.com%2Fpremium%2Fcar-rental-insurance-coverage%2Fhome.do&ei=9dqtU6KvOuThsAT6noGAAg&usg=AFQjCNFUW2K-bmf15UkLq_QNt5DPbZbZFg&sig2=YhPtsMnIle5bLH3hAe1Jsw)
If you just want to post a link without having different text on it, there's no need to do the whole insert hyperlink thingy.

In this case, I think it's the WWW that threw it off.
Title: Re: Rental insurance
Post by: YankyDoodle on July 01, 2014, 11:59:47 AM
If I rent a car at hertz for 2 months is there any way I can get insurance?
Is there any company that sells insurance for non car owners?

Plese help, thanks

You can also just split up the rental into 2 different 1-month reservations.
Title: Re: Credit Card Car Rental Insurance
Post by: theberk on July 07, 2014, 05:40:52 PM
If my auto insurance does not cover me on rentals, does it make a difference if I use a credit card that has primary or secondary insurance?
Title: Re: Credit Card Car Rental Insurance
Post by: yoelygb on August 01, 2014, 02:48:18 PM
For Canadian cardholders I just realized that per the terms and conditions of the new TD aeroplan credit card they even cover points or voucher rentals
But the TD first class cc dosent interesting
Title: Re: Credit Card Car Rental Insurance
Post by: sruly101 on August 02, 2014, 06:39:37 PM
I read through this forum and didn't find a clear answer.
Planning in renting a car by Sixt in Vienna for 12 days.

I never made yet an insurance plan (I don't owe yet a car) so I really don't know what all those "codes" CDW, LDW, LIABILITY, etc  means,

If I just take the Min. the car rentals gives included in the price (Its called Third Party Insurance) + insurance from my credit card (Citi executive or some other master card), What can happen and how much will I need to pay in the worst case?
 
Title: Re: Credit Card Car Rental Insurance
Post by: nocknock on August 04, 2014, 03:49:02 PM
Who covers Liability the car rental or you have to buy extra?

If you don't have any insurance  does it go on to some record? 
Title: Re: Credit Card Car Rental Insurance
Post by: theberk on August 04, 2014, 07:03:30 PM
If my auto insurance does not cover me on rentals, does it make a difference if I use a credit card that has primary or secondary insurance?
BUMP
Title: Re: Credit Card Car Rental Insurance
Post by: Dr Moose on August 04, 2014, 07:04:36 PM
BUMP
if you use one that has primary, AFAIK you won't need to get an affidavit saying you don't have car insurance
Title: Re: Credit Card Car Rental Insurance
Post by: theberk on August 05, 2014, 07:17:44 PM
if you use one that has primary, AFAIK you won't need to get an affidavit saying you don't have car insurance
Thanks
Title: Re: Credit Card Car Rental Insurance
Post by: sruly101 on August 06, 2014, 02:16:15 PM
I read through this forum and didn't find a clear answer.
Planning in renting a car by Sixt in Vienna for 12 days.

I never made yet an insurance plan (I don't owe yet a car) so I really don't know what all those "codes" CDW, LDW, LIABILITY, etc  means,

If I just take the Min. the car rentals gives included in the price (Its called Third Party Insurance) + insurance from my credit card (Citi executive or some other master card), What can happen and how much will I need to pay in the worst case?
BUMP
Title: Re: Rental insurance
Post by: Novo on August 10, 2014, 02:56:54 PM
You can also just split up the rental into 2 different 1-month reservations.
-1. Per T&Cs of Amex, they don't cover someone who rents more than 30 days out of 45 days, see attachment.
Title: Re: Credit Card Car Rental Insurance
Post by: lunatic on August 11, 2014, 11:35:50 AM
For a domestic car rental, does Barclay's arrival act as primary or secondary
Title: Re: Credit Card Car Rental Insurance
Post by: Joe4007 on August 11, 2014, 11:57:52 AM
For a domestic car rental, does Barclay's arrival act as primary or secondary
I believe secondary.
Title: Re: Credit Card Car Rental Insurance
Post by: Abet rich on August 11, 2014, 12:26:17 PM
For a domestic car rental, does Barclay's arrival act as primary or secondary
Chase United Mileage and Chase Sapphire are the only 2 cards that give primary car rental insurance
Title: Re: Credit Card Car Rental Insurance
Post by: hocker on August 11, 2014, 12:27:29 PM
BUMP
You don't need any additional insurance since collision (CDW or LDW) is covered by your CC and Liability is the 3rd party insurance which is included in your rate. Their liability might have a small deductible which you can take insurance on but is usually not worthwhile.
Title: Re: Credit Card Car Rental Insurance
Post by: Novo on August 11, 2014, 12:57:40 PM
You don't need any additional insurance since collision (CDW or LDW) is covered by your CC and Liability is the 3rd party insurance which is included in your rate. Their liability might have a small deductible which you can take insurance on but is usually not worthwhile.
Hocker, you seem to be an expert when it comes to car rentals. What do you say to this? (http://forums.dansdeals.com/index.php?topic=4830.msg889417#msg889417)
I posted it because I wanted to hear people's thoughts on it but meanwhile no one agreed/disagreed...
Title: Re: Rental insurance
Post by: Joe4007 on August 11, 2014, 01:18:26 PM
-1. Per T&Cs of Amex, they don't cover someone who rents more than 30 days out of 45 days, see attachment.
Not sure if it works, but I heard of a solution by rotating CC's.
Title: Re: Credit Card Car Rental Insurance
Post by: mow on August 11, 2014, 01:51:30 PM
renting a car in israel with sapphire preferred wiki says that 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.
where can i get that policy ?
do i really need it ?
how much is 3rd party liability ?
Title: Re: Credit Card Car Rental Insurance
Post by: Joe4007 on August 11, 2014, 02:12:54 PM
renting a car in israel with sapphire preferred wiki says that 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.
where can i get that policy ?
do i really need it ?
how much is 3rd party liability ?
SM Chase and ask for a letter stating that your CC provides car rental insurance in Israel as well. IME they didn't ask for it and I assume that by now they know that Chase cards cover Israel as well, but I guess you can't really lose by bringing along a letter just in case.
Title: Re: Rental insurance
Post by: Novo on August 12, 2014, 01:04:05 AM
Not sure if it works, but I heard of a solution by rotating CC's.
They're still able to check with the rental company, the only solution I was thinking of is rotating CCs and rental company, let say July from National with a Chase CC and Aug. from Avis with an Amex CC.
Title: Re: Credit Card Car Rental Insurance
Post by: zlt123 on August 12, 2014, 10:16:58 AM
On the avis T&C is says: "In New York if LDW is not accepted the renter is only responsible for the first $100 worth of damage to the Avis car". i.e. is naver pays to pay for CDW/LDW in NY even if you dont have CC insurance?! in worst case its only $100
Title: Re: Credit Card Car Rental Insurance
Post by: sruly101 on August 12, 2014, 10:33:04 AM
I dont get it how people rent expensive cars and cover CDW from the CC (or they dont :o)?

Just spoke to MC and VISA, MC says only a car that isn't over $50,000, Visa says not expensive cars, so I asked them whats in this category? so he says I should tell him a model/make and he will tell me, So I asked him about a Mercedes E 250 or BMW 5 series (These grade I wanna rent in Europe) So he says its not covered, its under the expensive category :o :o

How do we do it?   
Title: Re: Credit Card Car Rental Insurance
Post by: sruly101 on August 12, 2014, 10:38:36 AM
use Amex. I believe they cover cars with a MSRP up to $100,000. CMIIW
1. I dont have Amex
2. $100k is only with the $24.99 plan, and not all cards
Title: Re: Credit Card Car Rental Insurance
Post by: D93 on August 12, 2014, 10:39:49 AM
1. I dont have Amex
2. $100k is only with the $24.99 plan, and not all cards
I just checked Amex website and was mistaken. Says only up to $50,000. Hence I removed my post
Title: Re: Credit Card Car Rental Insurance
Post by: sruly101 on August 12, 2014, 10:43:51 AM
So what do people do with cars over $50,000?? almost all luxury and premium class cars are over this limit
Title: Re: Credit Card Car Rental Insurance
Post by: Dr Moose on August 12, 2014, 11:18:42 AM
So what do people do with cars over $50,000?? almost all luxury and premium class cars are over this limit
most are under $50k
Title: Re: Credit Card Car Rental Insurance
Post by: sruly101 on August 12, 2014, 11:27:27 AM
most are under $50k
:o :o I wouldn't say so
Title: Re: Credit Card Car Rental Insurance
Post by: Abet rich on August 12, 2014, 12:32:21 PM
I dont get it how people rent expensive cars and cover CDW from the CC (or they dont :o)?

Just spoke to MC and VISA, MC says only a car that isn't over $50,000, Visa says not expensive cars, so I asked them whats in this category? so he says I should tell him a model/make and he will tell me, So I asked him about a Mercedes E 250 or BMW 5 series (These grade I wanna rent in Europe) So he says its not covered, its under the expensive category :o :o

How do we do it?
I have also been told by Visa in the past that they only cover cars up to 50k
Title: Re: Credit Card Car Rental Insurance
Post by: TAVI on August 12, 2014, 01:35:38 PM
So, I rent quite a bit from National, and never had a problem before, but ran into a major issue on the last rental, with a pretty unique situation. Was hoping to get your input:

Rented a car to go from LGA to PHL (1 day rental). Reserved a mid-size as usual being an Executive, and got an SUV from the Exec isle. The rental was done using one of the Free rental days in my account, so the actual cost was $0.00 (no taxes or any other fees). I have the Explorer card on my account, which provides primary insurance, but given that the cost of the rental was $0, nothing was charged to the card.
 
Now, I rented the vehicle at night, and it was a black SUV. I made the usual inspection and made sure there was no visible damage on the doors, front / back bumpers, and so forth. Car was parked in garage overnight, and midday was dropped off at PHL. Upon returning the vehicle, the agent made the usual checks, but then climbed on the roof of the car, and claimed that there was some denting on the roof. It was hard for me to notice in broad day light, so I would have never seen it at night.

Now I’m 100% positive that the damage was not caused during the time I rented the vehicle. In all likelihood, the damage was there before my rental, but they never noticed it as I bet 99/100 times they don’t even check the roof when someone returns the car.
 
I explained the situation to their damage recovery unit, but to no avail. They are determined to pursue the claim. The estimated the damage at $800.

My personal insurance has a $1,000 deductible so it won’t cover it. Now as to the Chase Explorer Card, am I out of luck because there was no actual charge on the card?

Many thanks
Title: Re: Credit Card Car Rental Insurance
Post by: Abet rich on August 12, 2014, 03:15:01 PM
So, I rent quite a bit from National, and never had a problem before, but ran into a major issue on the last rental, with a pretty unique situation. Was hoping to get your input:

Rented a car to go from LGA to PHL (1 day rental). Reserved a mid-size as usual being an Executive, and got an SUV from the Exec isle. The rental was done using one of the Free rental days in my account, so the actual cost was $0.00 (no taxes or any other fees). I have the Explorer card on my account, which provides primary insurance, but given that the cost of the rental was $0, nothing was charged to the card.
 
Now, I rented the vehicle at night, and it was a black SUV. I made the usual inspection and made sure there was no visible damage on the doors, front / back bumpers, and so forth. Car was parked in garage overnight, and midday was dropped off at PHL. Upon returning the vehicle, the agent made the usual checks, but then climbed on the roof of the car, and claimed that there was some denting on the roof. It was hard for me to notice in broad day light, so I would have never seen it at night.

Now I’m 100% positive that the damage was not caused during the time I rented the vehicle. In all likelihood, the damage was there before my rental, but they never noticed it as I bet 99/100 times they don’t even check the roof when someone returns the car.
 
I explained the situation to their damage recovery unit, but to no avail. They are determined to pursue the claim. The estimated the damage at $800.

My personal insurance has a $1,000 deductible so it won’t cover it. Now as to the Chase Explorer Card, am I out of luck because there was no actual charge on the card?

Many thanks
About the CC yes you are out if luck bc they will not cover it since there was no charge to the card. For the claim try calling and getting as high up on the chain and explain to them what happened and see if they waive it. Good luck
Title: Re: Credit Card Car Rental Insurance
Post by: zlt123 on August 12, 2014, 03:36:59 PM
i think in NY you only have to pay the first $100
Title: Re: Credit Card Car Rental Insurance
Post by: TAVI on August 12, 2014, 03:52:30 PM
About the CC yes you are out if luck bc they will not cover it since there was no charge to the card. For the claim try calling and getting as high up on the chain and explain to them what happened and see if they waive it. Good luck

Yes, i'm trying to, spoke with 3 managers in their recovery unit, but they claim they can't do a thing. 2 of them were super nice too. i guess need to find a corporate contact info.
Title: Re: Credit Card Car Rental Insurance
Post by: Abet rich on August 12, 2014, 04:00:30 PM
Yes, i'm trying to, spoke with 3 managers in their recovery unit, but they claim they can't do a thing. 2 of them were super nice too. i guess need to find a corporate contact info.
They usually have executive numbers that you have to find that the people are high enough to do wtvr they like and they could take care of it
Title: Re: Credit Card Car Rental Insurance
Post by: MrV on August 13, 2014, 02:21:19 AM
I started reading from the first page and realized that info no longer applies (like CO OnePass doesn't exist anymore)

(Flying in from California) I'm planning to rent a car in Calgary this weekend and possibly again to drive to Vancouver about 10 days later...
What's the best card to use so that I don't have to worry about insurance?

Thank you!
Title: Re: Credit Card Car Rental Insurance
Post by: zlt123 on August 13, 2014, 09:18:05 AM
Read the wiki. But the Sapphire Preferred is prob. the best card to use for rantels
Title: Re: Credit Card Car Rental Insurance
Post by: lunatic on August 14, 2014, 01:20:46 PM
So the Barclay's Arrival website says the following about insurance "when you pay for the entire rental transaction with your card".
If a voucher is used and you put the entire final cost (i.e. taxes) on the card, will they still cover it?
Title: Re: Credit Card Car Rental Insurance
Post by: beeweegee on August 17, 2014, 02:20:57 AM
Should I have any problem with renting a car in Puerto Rico using SP for insurance coverage?
Title: Re: Credit Card Car Rental Insurance
Post by: Mech on August 17, 2014, 03:10:00 AM
Does sapphire preffered cover liability??
Title: Re: Credit Card Car Rental Insurance
Post by: beeweegee on August 17, 2014, 09:03:36 AM
Does sapphire preffered cover liability??
No.
Title: Re: Credit Card Car Rental Insurance
Post by: Mech on August 17, 2014, 11:24:39 AM
Tnx
Title: Re: Credit Card Car Rental Insurance
Post by: lubaby on August 17, 2014, 11:29:07 AM
Does sapphire preffered cover liability??
Read the Wiki..
Quote
There are no Credit Cards that will cover Liability.
Title: Re: Credit Card Car Rental Insurance
Post by: Let3 on August 18, 2014, 03:12:02 PM
I am renting a car tomorrow from hertz Israel, if anyone can please help me with some info...
When getting cdw insurance from chase (united) card-
1) is wife covered automatically ?
(Can she drive without being on contract?)
2) is secondary driver covered?

Thanks!
Title: Re: Credit Card Car Rental Insurance
Post by: sammy n on August 18, 2014, 03:19:33 PM

I am renting a car tomorrow from hertz Israel, if anyone can please help me with some info...
When getting cdw insurance from chase (united) card-
1) is wife covered automatically ?
(Can she drive without being on contract?)
2) is secondary driver covered?

Thanks!
In Israel second driver always must be on the contract with giving his/her passport.
Title: Re: Credit Card Car Rental Insurance
Post by: Let3 on August 18, 2014, 03:35:50 PM
In Israel second driver always must be on the contract with giving his/her passport.
Thanks!
So then he will be covered - even if he is not a au on card?
Title: Re: Credit Card Car Rental Insurance
Post by: sammy n on August 18, 2014, 03:40:42 PM

Thanks!
So then he will be covered - even if he is not a au on card?
I believe so.
Title: Re: Credit Card Car Rental Insurance
Post by: Let3 on August 18, 2014, 03:48:29 PM
I believe so.
Great, thanks!
Title: Re: Credit Card Car Rental Insurance
Post by: sruly101 on August 19, 2014, 03:57:16 PM
Made a reservation by Enterprise in Vienna, Austria (they actually use there some third party called "mega drive") and they didn't want to accept CDW from my MC CC only when I bring a letter of proof, they will waive me the CDW fee.. as by them it's mandatory.

Does it make sense??

I called up MC andd they just sent me an email saying that I'm covered, is it enough? Didn't get any "letter"!
 :o :o
Title: Re: Credit Card Car Rental Insurance
Post by: Novo on August 19, 2014, 04:09:46 PM
Made a reservation by Enterprise in Vienna, Austria (they actually use there some third party called "mega drive") and they didn't want to accept CDW from my MC CC only when I bring a letter of proof, they will waive me the CDW fee.. as by them it's mandatory.

Does it make sense??

I called up MC andd they just sent me an email saying that I'm covered, is it enough? Didn't get any "letter"!
 :o :o
Does it have the last 4 digits of the credit card? Does it clearly state you're covered in Austria? If so, then press "ctrl P" and you have a letter.
Yes it makes sense, it's also required in Israel.
Title: Re: Credit Card Car Rental Insurance
Post by: sruly101 on August 19, 2014, 04:16:08 PM
Thanks, but how will the CC cover cdw if the CDW by the rental company was not declined??
Title: Re: Credit Card Car Rental Insurance
Post by: Novo on August 19, 2014, 04:23:48 PM
Thanks, but how will the CC cover cdw if the CDW by the rental company was not declined??
You already picked up the car? I understood you just made the reservation.
Title: Re: Credit Card Car Rental Insurance
Post by: sruly101 on August 19, 2014, 04:30:18 PM
You already picked up the car? I understood you just made the reservation.
I have the car already
Title: Re: Credit Card Car Rental Insurance
Post by: Novo on August 19, 2014, 04:34:40 PM
I have the car already
Ahh, so it's a different story. You can try to walk in with the letter and ask if they can remove it?
Title: Re: Credit Card Car Rental Insurance
Post by: sruly101 on August 19, 2014, 04:35:51 PM
Ahh, so it's a different story. You can try to walk in with the letter and ask if they can remove it?
they told me that if I bring it they will refund me the charge from the CDW
Title: Re: Credit Card Car Rental Insurance
Post by: sammy n on August 19, 2014, 04:36:50 PM

they told me that if I bring it they will refund me the charge from the CDW
Ok so do it and you should be good.
Title: Re: Credit Card Car Rental Insurance
Post by: sruly101 on August 19, 2014, 04:38:46 PM
Ok so do it and you should be good.
but I can only get to them once I return the car, is it ok?
Title: Re: Credit Card Car Rental Insurance
Post by: sammy n on August 19, 2014, 05:12:52 PM

but I can only get to them once I return the car, is it ok?
Should be.
Title: Re: Credit Card Car Rental Insurance
Post by: puppydogs on August 21, 2014, 12:43:51 PM
2 Questions.

I plan on renting a car locally here in the states.

Between SPG, Ink Bold, Chase Freedom and Discover Card which card is the best for coverage?

My wife has the United Explorer card (which I hear that very good for car rentals). If my name is the renter can we use her CC for payment?

Thanks,
Title: Re: Credit Card Car Rental Insurance
Post by: Novo on August 21, 2014, 01:28:00 PM
2 Questions.

I plan on renting a car locally here in the states.

Between SPG, Ink Bold, Chase Freedom and Discover Card which card is the best for coverage?

My wife has the United Explorer card (which I hear that very good for car rentals). If my name is the renter can we use her CC for payment?

Thanks,
1) I'd say the SPG (Amex). Just MHO...
2) You can add yourself as an additional on your wife's UA card.

If you're renting soon you can ask them to rush it to you and you'll have in 1-2 days.
Title: Re: Credit Card Car Rental Insurance
Post by: hocker on August 21, 2014, 01:48:51 PM
Hocker, you seem to be an expert when it comes to car rentals. What do you say to this? (http://forums.dansdeals.com/index.php?topic=4830.msg889417#msg889417)
I posted it because I wanted to hear people's thoughts on it but meanwhile no one agreed/disagreed...
Good Observation!
Title: Re: Credit Card Car Rental Insurance
Post by: puppydogs on August 21, 2014, 01:51:56 PM
1) I'd say the SPG (Amex). Just MHO...
2) You can add yourself as an additional on your wife's UA card.

If you're renting soon you can ask them to rush it to you and you'll have in 1-2 days.

Thanks
Title: Re: Credit Card Car Rental Insurance
Post by: Cashman on August 26, 2014, 12:10:12 AM
Thrifty Israel charged me 250$ for a scratch on the car. Used a sapphire preferred for rental. Anyone ever file a claim ? What's the process ?
Title: Re: Credit Card Car Rental Insurance
Post by: Centro on August 28, 2014, 01:32:28 PM
Is an AU covered by the CC insurance or it only covers the primary account holder?
Title: Re: Credit Card Car Rental Insurance
Post by: Dr Moose on August 28, 2014, 01:33:17 PM


Is an AU covered by the CC ?
yes
Title: Re: Credit Card Car Rental Insurance
Post by: bobthebuilder on August 31, 2014, 09:10:57 AM
Is an AU covered by the CC insurance or it only covers the primary account holder?
Only if they are on the contract (or allowed to operate the vehicle, via the CDP or spouses)
Title: Re: Credit Card Car Rental Insurance
Post by: plainbachur on September 23, 2014, 12:53:03 PM
Does Amex premium rental insurance cover tires?
Title: Re: Credit Card Car Rental Insurance
Post by: ilherman on September 27, 2014, 11:42:59 PM
1) I'd say the SPG (Amex). Just MHO...


If you're renting soon you can ask them to rush it to you and you'll have in 1-2 days.
Why not any Chase card? As they offer primary insurance.
Title: Re: Credit Card Car Rental Insurance
Post by: Dr Moose on September 27, 2014, 11:47:33 PM
Why not any Chase card? As they offer primary insurance.
only united or SP offer primary
Title: Re: Credit Card Car Rental Insurance
Post by: ilherman on September 28, 2014, 12:18:57 AM
only united or SP offer primary
When using Amex worldwide do they cover primary?
Title: Re: Credit Card Car Rental Insurance
Post by: Dr Moose on September 28, 2014, 12:25:15 AM
When using Amex worldwide do they cover primary?
only if you buy their premium car rental insurance, however some countries are excluded
Title: Re: Credit Card Car Rental Insurance
Post by: Joe4007 on September 28, 2014, 02:20:14 PM
When using Amex worldwide do they cover primary?
If you mean internationally than yes.
Title: Re: Credit Card Car Rental Insurance
Post by: thaber on September 29, 2014, 01:00:50 AM
1 - Doesn't United Mileage Plus Explorer cover CDW in Israel nowadays?
2 - If yes, do you still need a letter?
3 - Does Sapphire Preferred Visa give CDW in Israel or only MasterCard?
4 - Does the authorized user get CDW coverage in Israel or only the Primary cardholder?
Thanks.
There's a stira between this and the wiki regarding United card in Israel. What's the truth?
ETA: I'm asking specifically about the United Explorer Mastercard
Title: Re: Credit Card Car Rental Insurance
Post by: california on September 29, 2014, 11:36:35 PM
For how many days does capital one platinum cover?
Title: Re: Credit Card Car Rental Insurance
Post by: davmtl on October 19, 2014, 04:24:03 PM
does anyone know if i am covered by my credit card if i move to europe but keep my credit cards active
for us cards
and for canadian cards
Title: Re: Credit Card Car Rental Insurance
Post by: bestwatchman on October 26, 2014, 05:29:40 AM
Rented in gva with csp, popped tire, they're charging 550. What's the procedure for csp to submit a claim? Anyone have experience? Was a 28 day rental, the second one in a row. Taking a third one now.
Tia
Title: Re: Credit Card Car Rental Insurance
Post by: chamdena on November 02, 2014, 12:43:34 AM
I have an interesting dilemna on my hands right now. Any help would be appreciated.<br />I rented a car via priceline using a BoA Visa card.<br />Then, when I got to the rental desk, I purchased liability insurance using a Visa Gift Card.<br />I ended up getting into an accident.<br />Now, Im being told that since the purchase of the insurance was not on a Visa card that has the Auto Rental Collision Damage Waiver Benefit, I am not eligible.<br />In other words: although I rented the car on an eligible card, since I did not put ALL related expenses onto an eligible card - Im not covered.<br />I am having a hard time taking that since I didnt even have to buy liability if I chose not to... so just becuase I chose to buy liability not on an eligible card that makes me not eligible...?<br/>
Title: Re: Credit Card Car Rental Insurance
Post by: M on December 11, 2014, 02:02:05 PM
What is the best CC to use for a rental in USA when you have your own car insurance as well?

I know some cover as primary and some do not?

Please post to the front page as well, as I think this is probably a common question.

Thank you!
Title: Re: Credit Card Car Rental Insurance
Post by: Dr Moose on December 11, 2014, 02:28:58 PM
What is the best CC to use for a rental in USA when you have your own car insurance as well?

I know some cover as primary and some do not?

Please post to the front page as well, as I think this is probably a common question.

Thank you!
SP and UMPE both offer primary insurance for no additional charge. amex charges $24.95 per rental for primary insurance and covers up to $100k
Title: Re: Credit Card Car Rental Insurance
Post by: M on December 11, 2014, 02:46:54 PM
SP and UMPE both offer primary insurance for no additional charge. amex charges $24.95 per rental for primary insurance and covers up to $100k

SP = Starwood Preffered?

UMPE =?
Title: Re: Credit Card Car Rental Insurance
Post by: MC on December 11, 2014, 02:51:05 PM

SP = Starwood Preffered?
UMPE =?
SP- Sapphire Preferred
UMPE- United Mileage Plus Explorer 
Title: Re: Credit Card Car Rental Insurance
Post by: M on December 11, 2014, 02:52:20 PM
SP- Sapphire Preferred
UMPE- United Mileage Plus Explorer

Thank you.
Title: Re: Credit Card Car Rental Insurance
Post by: bobthebuilder on December 14, 2014, 08:03:14 PM
Interesting scenario came up and was looking for input on the matter.
Person A was driving his car and person B hit him, insurance got him a replacement rental car. While driving the rental replacement a third person hits/run person A (the rental). The credit card doesnt cover because the bill was sent to insurance company of person B. What options does he have? Who will be responsible to pay?
Title: Re: Credit Card Car Rental Insurance
Post by: bestwatchman on December 23, 2014, 08:03:01 PM
Real shot in the dark here but I'm desperate! Returning a month rental (rented on sp) tomorrow. Tonight, came home from a menorah lighting an hour away and left my wallet in the car. (Took it out to pay tolls). Lots of money in there. Any cards cover things stolen from in the car??
Title: Re: Credit Card Car Rental Insurance
Post by: thaber on December 25, 2014, 11:47:22 AM
Real shot in the dark here but I'm desperate! Returning a month rental (rented on sp) tomorrow. Tonight, came home from a menorah lighting an hour away and left my wallet in the car. (Took it out to pay tolls). Lots of money in there. Any cards cover things stolen from in the car??
probably not, but your renters/ homeowners insurance very possibly does.
Title: Re: Credit Card Car Rental Insurance
Post by: YSP on December 25, 2014, 02:46:33 PM
probably not, but your renters/ homeowners insurance very possibly does.
The home/renters policies have a limit on coverage for cash.
Title: Re: Credit Card Car Rental Insurance
Post by: artee on January 12, 2015, 11:47:11 PM
Geico is renting me a car tomorrow while mine gets fixed. Can i still use amex or sp for primary coverage if i'm not paying the bill?
Title: Re: Credit Card Car Rental Insurance
Post by: sammy n on January 13, 2015, 07:48:17 AM

Geico is renting me a car tomorrow while mine gets fixed. Can i still use amex or sp for primary coverage if i'm not paying the bill?
CC insurance only covers of the rental was paid for with it.
Title: Re: Credit Card Car Rental Insurance
Post by: artee on January 13, 2015, 08:42:09 AM
CC insurance only covers of the rental was paid for with it.
Geico is covering $50 a day. If say I take a rental that would cost me $51 a day and pay the extra dollar with my spg would that suffice?
Title: Re: Credit Card Car Rental Insurance
Post by: SRM on January 29, 2015, 08:17:28 AM
Not sure if this is the correct thread...I'm trying to figure out which is the best credit card to use for a rental car in the U.S.; Chase Ink, Chase Sapphire or Amex Gold? TIA
Title: Re: Credit Card Car Rental Insurance
Post by: Dr Moose on January 29, 2015, 08:20:46 AM
Not sure if this is the correct thread...I'm trying to figure out which is the best credit card to use for a rental car in the U.S.; Chase Ink, Chase Sapphire or Amex Gold? TIA
sapphire preferred gives you primary, amex - if you pay $25 will give you primary and more coverage
Title: Re: Credit Card Car Rental Insurance
Post by: Sammy12345 on February 04, 2015, 12:02:39 PM
I am looking to rent a car and there is a whole line of different insurances:

Collision Damage Waiver (CDW)

Personal Accident Insurance (PAI)

Special Coverage

Supplemental Liability Insurance (SLI)

I am not such a big בקי in these insurances but if I were to go with the amex option for 24.95 will i be covered for all that i need (meaning all that is listed above)? 

I called to ask if the regular card benefit covers convertibles they told me only cars up to 50k....
Title: Re: Credit Card Car Rental Insurance
Post by: Dr Moose on February 04, 2015, 12:30:36 PM


I am looking to rent a car and there is a whole line of different insurances:

Collision Damage Waiver (CDW)

Personal Accident Insurance (PAI)

Special Coverage

Supplemental Liability Insurance (SLI)

I am not such a big בקי in these insurances but if I were to go with the amex option for 24.95 will i be covered for all that i need (meaning all that is listed above)? 

I called to ask if the regular card benefit covers convertibles they told me only cars up to 50k....
Amex will only cover you for CDW
Title: Re: Credit Card Car Rental Insurance
Post by: keemster26 on February 04, 2015, 12:53:17 PM
Does CSP also have roadside assistance?
Title: Re: Credit Card Car Rental Insurance
Post by: nafnaf12 on February 04, 2015, 02:44:27 PM
UMEC au is covered? If yes
And does that cover convertibles?
Title: Re: Credit Card Car Rental Insurance
Post by: Sammy12345 on February 04, 2015, 03:06:19 PM
Amex will only cover you for CDW

Doesnt the regular cc cover you for that for free anyway? What is the benefit of paying for the additional amex for?
Title: Re: Credit Card Car Rental Insurance
Post by: Dr Moose on February 04, 2015, 08:34:50 PM
Doesnt the regular cc cover you for that for free anyway? What is the benefit of paying for the additional amex for?
primary coverage, longer & higher coverage
Title: Re: Credit Card Car Rental Insurance
Post by: elit on February 10, 2015, 08:36:21 PM
Just making sure i don't need a letter from csp when renting in canada?
Title: Re: Credit Card Car Rental Insurance
Post by: Dr Moose on February 10, 2015, 10:44:06 PM
Just making sure i don't need a letter from csp when renting in canada?
correct
Title: Re: Credit Card Car Rental Insurance
Post by: bk73 on February 11, 2015, 04:23:41 PM
If I book on priceline or lmtc club and pay them  .... will the credit card (Sapphire) cover the rental  Or only when i book from the actual rental car agency?
Title: Re: Credit Card Car Rental Insurance
Post by: clear thinker on February 15, 2015, 04:40:46 PM
Where can I read about instructions what to do after damage to a car?
One of my additional card holder's had some damage done (I don't know the extent of it) to a rental using my/his Sapphire, now the rental claims he needs to bring a statement in his name.??
Title: Re: Credit Card Car Rental Insurance
Post by: eli.f on April 08, 2015, 03:31:27 PM
Hi

A little over a month ago, I rented a car (Opel Corsa) from Sixt in Israel. While waiting in the parking lot, someone backed up in to the car and put a small dent in it (pic (http://i.imgur.com/kqox8ab.jpg)).
Sixt billed me $856.2. I just got an email from Visa that I'll be getting check for $639.78. The difference is due to the fact that the policy states that, it does not cover depreciation, which Sixt decided is %1.55.
(I used CSP for the rental, as Citi requires you to be a US resident)

While I will try to contact the person who backed in to me, I'm wondering if there's anything else I can do, for now, or in the future?

Thanks
Title: Re: Credit Card Car Rental Insurance
Post by: Jeremiah on April 08, 2015, 04:28:13 PM
Hi

A little over a month ago, I rented a car (Opel Corsa) from Sixt in Israel. While waiting in the parking lot, someone backed up in to the car and put a small dent in it (pic (http://i.imgur.com/kqox8ab.jpg)).
Sixt billed me $856.2. I just got an email from Visa that I'll be getting check for $639.78. The difference is due to the fact that the policy states that, it does not cover depreciation, which Sixt decided is %1.55.
(I used CSP for the rental, as Citi requires you to be a US resident)

While I will try to contact the person who backed in to me, I'm wondering if there's anything else I can do, for now, or in the future?

Thanks
Dispute the charge?
Title: Re: Credit Card Car Rental Insurance
Post by: eli.f on April 08, 2015, 06:12:08 PM
Dispute the charge?
Sounds like an idea.
On what basis? Cause I don't wanna pay it?  :)
Title: Re: Credit Card Car Rental Insurance
Post by: eli.f on April 25, 2015, 07:01:58 PM
Hi,

Already used my CSP rental insurance twice within a month and a half.
Do you guys think it would be wiser to use a different card now? Anyone have experience with multiple claims on the same card?
Title: Re: Credit Card Car Rental Insurance
Post by: jediwho on April 25, 2015, 10:45:48 PM
Hi

A little over a month ago, I rented a car (Opel Corsa) from Sixt in Israel. While waiting in the parking lot, someone backed up in to the car and put a small dent in it (pic (http://i.imgur.com/kqox8ab.jpg)).
Sixt billed me $856.2. I just got an email from Visa that I'll be getting check for $639.78. The difference is due to the fact that the policy states that, it does not cover depreciation, which Sixt decided is %1.55.
(I used CSP for the rental, as Citi requires you to be a US resident)

How lengthy/difficult was it to deal with Chase/Visa? What steps did you take to get the $639.78 check from Visa?
Title: Re: Credit Card Car Rental Insurance
Post by: jediwho on April 25, 2015, 10:46:48 PM
Hi,

Already used my CSP rental insurance twice within a month and a half.
Do you guys think it would be wiser to use a different card now? Anyone have experience with multiple claims on the same card?

Did you deal with CSP or Visa?
Title: Re: Credit Card Car Rental Insurance
Post by: eli.f on April 25, 2015, 10:49:12 PM
How lengthy/difficult was it to deal with Chase/Visa? What steps did you take to get the $639.78 check from Visa?
Very easy. Filed online, uploaded some documents, received a request for some more, which in turn, were provided by the rental company and received an email that the check was in the mail.
Did you deal with CSP or Visa?
I believe the insurer is Visa. I filed here (http://eclaimsline.com). (works for Visa and MC. also for some of my non-chase cards)
Title: Re: Credit Card Car Rental Insurance
Post by: jediwho on April 26, 2015, 01:42:17 AM
primary coverage, longer & higher coverage

I thought some of Chase Visa cards (Ritz, Explorer, Sapphire, United Club) also offer primary coverage. So really, if someone has any of those cards, do you need to pay for Amex insurance?
Title: Re: Credit Card Car Rental Insurance
Post by: eli.f on April 26, 2015, 04:43:37 AM
I thought some of Chase Visa cards (Ritz, Explorer, Sapphire, United Club) also offer primary coverage. So really, if someone has any of those cards, do you need to pay for Amex insurance?
No, you don't.
Plus, outside of your country of residence or if your insurance doesn't cover you (or if you don't have one), you don't need to pay either.
Although, maybe it's not always so easy to get one's money through Chase's insurance.
Title: Re: Credit Card Car Rental Insurance
Post by: bznt on April 26, 2015, 07:56:29 AM
Does the csp insurance  cover a authorized user in Europe?
Title: Re: Credit Card Car Rental Insurance
Post by: yitrap on April 26, 2015, 09:55:55 AM

Does the csp insurance  cover a authorized user in Europe?
As long as it's a country that has coverage it does, why would it be different then the US?
Title: Re: Credit Card Car Rental Insurance
Post by: jediwho on April 26, 2015, 11:32:36 AM
No, you don't.
Plus, outside of your country of residence or if your insurance doesn't cover you (or if you don't have one), you don't need to pay either.
Although, maybe it's not always so easy to get one's money through Chase's insurance.

Has anyone here dealt specifically with Amex and/or Chase (not Visa)? How was the experience?
Title: Re: Credit Card Car Rental Insurance
Post by: eli.f on April 26, 2015, 11:59:53 AM
Has anyone here dealt specifically with Amex and/or Chase (not Visa)? How was the experience?
Why would you deal with Chase? It all goes through Visa?
Title: Re: Credit Card Car Rental Insurance
Post by: jediwho on April 26, 2015, 12:16:50 PM
Why would you deal with Chase? It all goes through Visa?

I think Chase offers some extra coverage over and above Visa on some of their premium cards. Not 100% sure though.

Also, even if they do, it could be that you deal with Visa directly and Chase has some sort of an arrangement with them.
Title: Re: Credit Card Car Rental Insurance
Post by: B.D.Da'ehu on April 28, 2015, 08:45:21 PM
Does chase united explorer have any deductible when you file a claim for minor damages?
Title: Re: Credit Card Car Rental Insurance
Post by: eli.f on April 29, 2015, 02:35:54 AM
Does chase united explorer have any deductible when you file a claim for minor damages?
No.
Never heard of a card that does.
Title: Re: Credit Card Car Rental Insurance
Post by: jediwho on May 02, 2015, 08:46:36 PM
Does chase united explorer have any deductible when you file a claim for minor damages?
My understanding is (and I could be wrong) that when you have secondary insurance, the card picks up the deductible and after that it's your insurance company. In the Primary coverage (Explorer, ritz, club, etc.) , the credit card companies picks up most of the claim with some exceptions that have been discussed here.
Title: Re: Credit Card Car Rental Insurance
Post by: avadah on May 07, 2015, 03:21:52 PM
Someone sideswiped my car in Israel with CSP insurance. Somebody told me I might need to get a police report. Is this true, or do I just walk in, tell them what happened and let them deal with it?
Title: Re: Credit Card Car Rental Insurance
Post by: eli.f on May 07, 2015, 03:35:35 PM
My understanding is (and I could be wrong) that when you have secondary insurance, the card picks up the deductible and after that it's your insurance company. In the Primary coverage (Explorer, ritz, club, etc.) , the credit card companies picks up most of the claim with some exceptions that have been discussed here.
Secondary insurance will pay for anything your regular insurance won't pay. Primary will pay for everything. (Both are confined to the policy, which usually has a few exclusions)
Someone sideswiped my car in Israel with CSP insurance. Somebody told me I might need to get a police report. Is this true, or do I just walk in, tell them what happened and let them deal with it?
You only need a police report if a person was hurt, for a hit and run and for theft.
IME, you can just open a claim at eclaimsline.com, get all the docs from the rental company and you'll have a check in the mail in a short time.
Unless the insurance company decides to charge you for devaluation, which Chase's insurance excludes. There are no rules. Israeli rental agencies are know to be corrupt and outright criminals. One must be careful with them. If they do charge you for depreciation, you will have to sue the guy 'swiped' you. If you don't have his details, you could file a police report, but will likely have to pay for it yourself. Although, if it was just a swipe, it'll probably be a small amount.
Title: Re: Credit Card Car Rental Insurance
Post by: avadah on May 07, 2015, 03:45:28 PM
You only need a police report if a person was hurt, for a hit and run and for theft.
IME, you can just open a claim at eclaimsline.com, get all the docs from the rental company and you'll have a check in the mail in a short time.
Unless the insurance company decides to charge you for devaluation, which Chase's insurance excludes. There are no rules. Israeli rental agencies are know to be corrupt and outright criminals. One must be careful with them. If they do charge you for depreciation, you will have to sue the guy 'swiped' you. If you don't have his details, you could file a police report, but will likely have to pay for it yourself. Although, if it was just a swipe, it'll probably be a small amount.
I'm sorry I wasn't clear. My car was parked at the time. When I got back I saw the damage. Does that make it a hit and run?
I thought the whole advantage of primary insurance is that they go straight to the cc insurance and don't charge me. What docs do I need from the rental company?
Title: Re: Credit Card Car Rental Insurance
Post by: eli.f on May 07, 2015, 03:52:12 PM
I'm sorry I wasn't clear. My car was parked at the time. When I got back I saw the damage. Does that make it a hit and run?
I thought the whole advantage of primary insurance is that they go straight to the cc insurance and don't charge me. What docs do I need from the rental company?
That's a hit and run.
That doesn't usually happen in Israel. The company will charge your credit card and the insurance will send you a check. Just file the claim and the website will walk you through the docs you need. BTW, it might take a few weeks for the company to actually charge you, so you won't be able to finish your claim until then, as you need to show the charge on your card and the breakdown from the company. However, you can and should file the claim right now (only takes a minute) and add the rest of the docs as you go.
Good luck.
Title: Re: Credit Card Car Rental Insurance
Post by: avadah on May 07, 2015, 04:36:27 PM
What's the advantage of filing the claim before I'm charged? What papers should I ask the car rental place for?
Title: Re: Credit Card Car Rental Insurance
Post by: eli.f on May 07, 2015, 04:47:41 PM
What's the advantage of filing the claim before I'm charged? What papers should I ask the car rental place for?
The advantage is not missing the 60 day timeframe. You'd be surprised how easy the date could pass by. Plus, you deal with one step at a time. It makes it easier.
But, that's me. If you make sure not to miss the deadline, you could file whenever. As soon as you file, the website will tell you what documents you need.
(IIRC, you need a confirmation of the rental charge, rental agreement, pictures [if you have any], confirmation of the charge for the repairs and the breakdown and damage report)
Title: Re: Credit Card Car Rental Insurance
Post by: avadah on May 07, 2015, 04:57:29 PM

Confirmation of the rental charge = that I paid for the rental
rental agreement= contract
confirmation of the charge for the repairs means what I got charged or that they paid for repairs?
Title: Re: Credit Card Car Rental Insurance
Post by: eli.f on May 07, 2015, 04:59:20 PM
Confirmation of the rental charge = that I paid for the rental
rental agreement= contract
confirmation of the charge for the repairs means what I got charged or that they paid for repairs?
Listen, why don't you just file a claim and see exactly what they're asking for. If you have any other questions, call them.
That's what they're getting paid for. I've done it a few time and it's not a big deal.
Title: Re: Credit Card Car Rental Insurance
Post by: yitrap on May 07, 2015, 07:39:54 PM
Secondary insurance will pay for anything your regular insurance won't pay. Primary will pay for everything. (Both are confined to the policy, which usually has a few exclusions)You only need a police report if a person was hurt, for a hit and run and for theft.
IME, you can just open a claim at eclaimsline.com, get all the docs from the rental company and you'll have a check in the mail in a short time.
Unless the insurance company decides to charge you for devaluation, which Chase's insurance excludes. There are no rules. Israeli rental agencies are know to be corrupt and outright criminals. One must be careful with them. If they do charge you for depreciation, you will have to sue the guy 'swiped' you. If you don't have his details, you could file a police report, but will likely have to pay for it yourself. Although, if it was just a swipe, it'll probably be a small amount.
just curious, what companies can be filled at the link?
Title: Re: Credit Card Car Rental Insurance
Post by: eli.f on May 08, 2015, 01:07:58 AM
just curious, what companies can be filled at the link?
Don't have a list, but when I tried all my cards, a big number of them worked. (Chase, Citi, BOFA, AMEX, both Visa and MC)
Title: Re: Credit Card Car Rental Insurance
Post by: yitrap on May 08, 2015, 02:04:13 AM

Don't have a list, but when I tried all my cards, a big number of them worked. (Chase, Citi, BOFA, AMEX, both Visa and MC)
Nice, can I suggest you add it to the wiki, I'm on my phone currently.
Title: Re: Credit Card Car Rental Insurance
Post by: Tzafnas Paneach on May 11, 2015, 04:23:49 PM
When renting a zipcar it says if in an accident I would have to cover up to 1000 dollars of damage per accident.  Would any of the credit cards rental insurance cover that?
Title: Re: Credit Card Car Rental Insurance
Post by: Medic97 on May 11, 2015, 04:29:38 PM
So just order a car with priceline using my Sapphire card. Wondering if there's any reason for me to get rental insurance?
Title: Re: Credit Card Car Rental Insurance
Post by: eli.f on May 11, 2015, 04:59:44 PM
When renting a zipcar it says if in an accident I would have to cover up to 1000 dollars of damage per accident.  Would any of the credit cards rental insurance cover that?
Don't know much about zipcar's, but if you only have to pay 1k, they have CDW, which must be declined. I would suggest calling zipcar.
So just order a car with priceline using my Sapphire card. Wondering if there's any reason for me to get rental insurance?
Waste of money
Title: Re: Credit Card Car Rental Insurance
Post by: Medic97 on May 11, 2015, 05:42:19 PM
Don't know much about zipcar's, but if you only have to pay 1k, they have CDW, which must be declined. I would suggest calling zipcar.Waste of money
Sapphire will cover me? I can't afford any accidents hitting my insurance.
Title: Re: Credit Card Car Rental Insurance
Post by: eli.f on May 11, 2015, 05:44:41 PM
Sapphire will cover me? I can't afford any accidents hitting my insurance.
Yes. You can go directly to the Sapphire insurance, as it's primary.
Read the T&C in the benefits guide to make sure you qualify. (It's only a few lines)
Title: Re: Credit Card Car Rental Insurance
Post by: yitrap on May 11, 2015, 07:08:15 PM
Yes. You can go directly to the Sapphire insurance, as it's primary.
Read the T&C in the benefits guide to make sure you qualify. (It's only a few lines)
+1, if you're still not sure just call them...never hurts to have recorded confirmation
Title: Re: Credit Card Car Rental Insurance
Post by: wonderlust on May 12, 2015, 08:52:42 AM
With the Amex plat are you supposed to automatically get extra 4 hrs on rental car or only with certain companies ?
Title: Re: Credit Card Car Rental Insurance
Post by: Dr Moose on May 12, 2015, 08:54:44 AM
With the Amex plat are you supposed to automatically get extra 4 hrs on rental car or only with certain companies ?
only if you use the Amex plat CDP on your reservation with Hertz
Title: Re: Credit Card Car Rental Insurance
Post by: wonderlust on May 12, 2015, 08:56:18 AM
only if you use the Amex plat CDP on your reservation with Hertz

Ohh is the same true for the upgrade as well? Does the cdp quote out decent rates?
Title: Re: Credit Card Car Rental Insurance
Post by: VacationLover on May 14, 2015, 08:41:10 PM
Is chase Ink insurance just as good as Sapphire in Europe?
Title: Re: Credit Card Car Rental Insurance
Post by: TorontoGuy on May 31, 2015, 07:13:03 AM
I just rented a car in Israel from Avis. B"H nothing happened, however I just wanted to make people aware of a certain detail. If you are on a Visitor's Visa (and sometimes even a student visa - with an entry visa of less then 3 months) many rental agencies will not charge you the %18 VAT Tax. I have a TD Canada Trust Aeroplan Visa Infinite CC that covers CDW. However, after reading the insurance certificate from TD, I found the following exemtion of coverage:

http://www.tdcanadatrust.com/document/PDF/tdvisa/AeroplanInfiniteAgreement_533810.pdf?click=ams-af-agreement-TD%20Aeroplane%20Visa%20Infinite (http://www.tdcanadatrust.com/document/PDF/tdvisa/AeroplanInfiniteAgreement_533810.pdf?click=ams-af-agreement-TD%20Aeroplane%20Visa%20Infinite)

Cardholder Agreement and Benefit Coverages Guide
AUTO RENTAL COLLISION/LOSS DAMAGE INSURANCE
TAX-FREE CAR means a tax-free car package that provides tourists with a short-term (17 days to 6 months), tax-free
vehicle lease agreement with a guaranteed buyback. The Collision/Loss Damage Insurance program will not provide
coverage for Tax-free cars.
The following vehicles are NOT covered:
13. Tax-free cars
Title: Re: Credit Card Car Rental Insurance
Post by: Emkay on May 31, 2015, 07:16:19 AM
I just rented a car in Israel from Avis. B"H nothing happened, however I just wanted to make people aware of a certain detail. If you are on a Visitor's Visa (and sometimes even a student visa - with an entry visa of less then 3 months) many rental agencies will not charge you the %18 VAT Tax. I have a TD Canada Trust Aeroplan Visa Infinite CC that covers CDW. However, after reading the insurance certificate from TD, I found the following exemtion of coverage:

http://www.tdcanadatrust.com/document/PDF/tdvisa/AeroplanInfiniteAgreement_533810.pdf?click=ams-af-agreement-TD%20Aeroplane%20Visa%20Infinite (http://www.tdcanadatrust.com/document/PDF/tdvisa/AeroplanInfiniteAgreement_533810.pdf?click=ams-af-agreement-TD%20Aeroplane%20Visa%20Infinite)

Cardholder Agreement and Benefit Coverages Guide
AUTO RENTAL COLLISION/LOSS DAMAGE INSURANCE
TAX-FREE CAR means a tax-free car package that provides tourists with a short-term (17 days to 6 months), tax-free
vehicle lease agreement with a guaranteed buyback. The Collision/Loss Damage Insurance program will not provide
coverage for Tax-free cars.
The following vehicles are NOT covered:
13. Tax-free cars
None of them are supposed to charge tax for tourists. Also a regular rental does not go under that category.
P.S  why are you using that card?
Title: Re: Credit Card Car Rental Insurance
Post by: TorontoGuy on May 31, 2015, 08:39:49 AM
None of them are supposed to charge tax for tourists. Also a regular rental does not go under that category.
P.S  why are you using that card?
What do you mean by "Also a regular rental does not go under that category. "
I am using the card because TD has a Promo for 15k + 10k after (after $1000 CAD in 90 days)
Title: Re: Credit Card Car Rental Insurance
Post by: sammy n on May 31, 2015, 09:37:31 AM
Is chase Ink insurance just as good as Sapphire in Europe?
Yes.
Title: Re: Credit Card Car Rental Insurance
Post by: 3yummyboys on June 18, 2015, 10:24:34 AM
I want to pay for my rental with GCs (I can get them using my SW points that I will never use anyway) but I don't want to pay for insurance. CC coverage only covers it if you pay in full with the CC correct?

Title: Re: Credit Card Car Rental Insurance
Post by: Josef.koney on June 18, 2015, 10:26:20 AM
I want to pay for my rental with GCs (I can get them using my SW points that I will never use anyway) but I don't want to pay for insurance. CC coverage only covers it if you pay in full with the CC correct?
Start the rental with ur cc and if u don't crash tell them you want to use a dif payment method
Title: Re: Credit Card Car Rental Insurance
Post by: 3yummyboys on June 18, 2015, 10:28:15 AM
hmmmm didn't think of that. Thanks. They don't charge the CC when you take the car?
Title: Re: Credit Card Car Rental Insurance
Post by: zlt123 on June 18, 2015, 10:40:26 AM
They don't charge when you start the rentel, they put a hold on your card of $150-$500 & when you bring back the car you could change the payment method & they take off the hold. BTW you cant "rent" with a GC
Title: Re: Credit Card Car Rental Insurance
Post by: 3yummyboys on June 18, 2015, 10:48:42 AM
They don't charge when you start the rentel, they put a hold on your card of $150-$500 & when you bring back the car you could change the payment method & they take off the hold. BTW you cant "rent" with a GC


What do you mean? If I have GCs from the rental company? Or are you referring to VGS?
Title: Re: Credit Card Car Rental Insurance
Post by: zlt123 on June 18, 2015, 10:57:51 AM
what do you mean by a GC from the compeny? i didnt know there is car rentels GC maby thats diffrent
Title: Re: Credit Card Car Rental Insurance
Post by: 3yummyboys on June 18, 2015, 11:37:37 AM
I can get Avis or national GCs using SW points, making the rentals free
Title: Re: Credit Card Car Rental Insurance
Post by: Dr Moose on June 18, 2015, 11:38:48 AM
I can get Avis or national GCs using SW points, making the rentals free
probably at a horrible rate though, no?
Title: Re: Credit Card Car Rental Insurance
Post by: zlt123 on June 18, 2015, 11:45:07 AM
Also even "if" they let you use GC to rent, the will most deffintly do a Credit Pull & thats a big NO NO in our community
Title: Re: Credit Card Car Rental Insurance
Post by: 3yummyboys on June 18, 2015, 12:07:02 PM

probably at a horrible rate though, no?

Not a great rate but don't have any other use for them right now and we need this trip to be free.

I would put my CC on original booking, as recommended above, then use then GCs to pay when I return the car. Any reason that shouldn't work?
Title: Re: Credit Card Car Rental Insurance
Post by: eli.f on June 18, 2015, 12:18:21 PM
I would put my CC on original booking, as recommended above, then use then GCs to pay when I return the car. Any reason that shouldn't work?
It should work. The only problem is if they find out about a damage (which you may or may not have caused) after the payment. Then the card won't cover you.
I've heard stories like this. (Of people being charged for things after they paid and left)
Title: Re: Credit Card Car Rental Insurance
Post by: Dr Moose on June 18, 2015, 12:20:08 PM
Not a great rate but don't have any other use for them right now and we need this trip to be free.

I would put my CC on original booking, as recommended above, then use then GCs to pay when I return the car. Any reason that shouldn't work?
how do the GC work? is it a code? when you make the reservation you might need to have the GC in there already.
Title: Re: Credit Card Car Rental Insurance
Post by: 3yummyboys on June 18, 2015, 12:31:17 PM
Not a code, a physical GC. I guess I will call and ask them.
Also, if I need the coverage for some reason, I will be left with the GCs (since I need to order them) so maybe I should suck it up and just pay for the rental. Its worth the few hundred $$ for the rental for a 9 night trip to Hawaii  ;)
Title: Re: Credit Card Car Rental Insurance
Post by: california on June 22, 2015, 03:58:11 PM
Does Amex cover dents on hertz rentals?
Title: Re: Credit Card Car Rental Insurance
Post by: eli.f on June 22, 2015, 04:21:17 PM
Does Amex cover dents on hertz rentals?
Any card will cover that with all companies. That's what CDW is.
(As long as you're eligible, according to the T&C)
Title: Re: Credit Card Car Rental Insurance
Post by: california on June 22, 2015, 04:23:48 PM
Any card will cover that with all companies. That's what CDW is.
(As long as you're eligible, according to the T&C)
Any deductible?
Title: Re: Credit Card Car Rental Insurance
Post by: eli.f on June 22, 2015, 04:29:45 PM
Any deductible?
Never heard of a card that has a deductible. Some cards won't cover specific things. I.E. depreciation, loss of use etc.
But it depends on how the rental company breaks down the charges. To be sure, read the benefits guide of your card. It'll take you 2 minutes.
Title: Re: Credit Card Car Rental Insurance
Post by: BBPAPA on June 23, 2015, 04:22:07 PM
Do you need TP(theft protection) and SLI(Supplemental Liability Insurance)
when renting a car in Israel?  or is SLI enough?

I know CDW is covered by Chase CC or WMC
Title: Re: Credit Card Car Rental Insurance
Post by: eli.f on June 23, 2015, 04:49:12 PM
Do you need TP(theft protection) and SLI(Supplemental Liability Insurance)
when renting a car in Israel?  or is SLI enough?

I know CDW is covered by Chase CC or WMC
TP and LI are required.
TP is covered by CCs.
CCs don't cover LI. You will be required to pay for it. (unless it's already included in your rate)

(I don't know if Israeli companies offer SLI, but the required minimum is relatively high)
Title: Re: Credit Card Car Rental Insurance
Post by: Ryan the Yid on June 23, 2015, 10:44:38 PM
Renting from Herz next week which card carries better rental coverag Amex BG or Saphire?
Title: Re: Credit Card Car Rental Insurance
Post by: Abet rich on June 24, 2015, 01:56:18 PM
Quick clarification: Does the Visa SP cover in Israel or onl the MasterCard edition?
Title: Re: Credit Card Car Rental Insurance
Post by: tjak on June 24, 2015, 02:03:33 PM

Quick clarification: Does the Visa SP cover in Israel or onl the MasterCard edition?
It does.
Title: Re: Credit Card Car Rental Insurance
Post by: Abet rich on June 24, 2015, 02:04:37 PM
It does.
Thanks
Title: Re: Credit Card Car Rental Insurance
Post by: KateBennet on June 25, 2015, 05:42:44 AM
Hey.. does anyone know of any credit cards that will cover all car rental insurance??
I'd recommend you to rent a car with this app https://play.google.com/store/apps/details?id=hotels.car.rentals.flights.ukasoft&hl=en (https://play.google.com/store/apps/details?id=hotels.car.rentals.flights.ukasoft&hl=en)! It will save your time! It's free and it shows you all the services which are near you and their prices.
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on June 25, 2015, 07:52:45 AM
I'd recommend you to rent a car with this app https://play.google.com/store/apps/details?id=hotels.car.rentals.flights.ukasoft&hl=en (https://play.google.com/store/apps/details?id=hotels.car.rentals.flights.ukasoft&hl=en)! It will save your time! It's free and it shows you all the services which are near you and their prices.
Who're you advertising for?
Title: Re: Credit Card Car Rental Insurance
Post by: eli.f on June 25, 2015, 09:56:13 AM
Who're you advertising for?
+1
Joined a month ago. 2/5 posts are ads.
Title: Re: Credit Card Car Rental Insurance
Post by: zlt123 on June 25, 2015, 10:03:33 AM
and he is replying to a post from 5 years ago
Title: Re: Credit Card Car Rental Insurance
Post by: BBPAPA on June 25, 2015, 08:28:54 PM
Do you need TP(theft protection) and SLI(Supplemental Liability Insurance)
when renting a car in Israel?  or is SLI enough?

I know CDW is covered by Chase CC or WMC

BUMP
Title: Re: Credit Card Car Rental Insurance
Post by: chossid on July 08, 2015, 06:30:42 PM
Just rented a car and forgot to call Amex to enroll with the premium insurance,
Can I still call in now? Or once the car is out I'm not covered?
Title: Re: Credit Card Car Rental Insurance
Post by: zlt123 on July 09, 2015, 11:54:47 AM
You're coverd anyway just not with premuim
Title: Re: Credit Card Car Rental Insurance
Post by: avrumy22 on July 09, 2015, 12:05:20 PM
which card covers in the UAE?
Title: Re: Credit Card Car Rental Insurance
Post by: chossid on July 12, 2015, 09:48:38 PM

You're coverd anyway just not with premuim
Doesn't have to be,  if u take a luxury car the reg Amex insurance is not covering and premium either as u didn't enroll, or if u take the car for longer then 30 days ur not covered with Amex to begin with unless u enrolled in premium
Title: Re: Credit Card Car Rental Insurance
Post by: Chief Rabbi of New York on July 13, 2015, 01:55:42 PM
what credit card is better to use for coverage? amex platinum business card or chase sapphire preffered?

also its for a mustang convertible in Hawaii.

if I use the amex card should I pay $25 for their premium coverage?

also should I take any of the additional insurance options that the rental company offers?
Title: Re: Credit Card Car Rental Insurance
Post by: Chief Rabbi of New York on July 15, 2015, 11:45:20 AM
what credit card is better to use for coverage? amex platinum business card or chase sapphire preffered?

also its for a mustang convertible in Hawaii.

if I use the amex card should I pay $25 for their premium coverage?

also should I take any of the additional insurance options that the rental company offers?

???
Title: Re: Credit Card Car Rental Insurance
Post by: Chief Rabbi of New York on July 19, 2015, 02:35:02 PM
what credit card is better to use for coverage? amex platinum business card or chase sapphire preffered?

also its for a mustang convertible in Hawaii.

if I use the amex card should I pay $25 for their premium coverage?

also should I take any of the additional insurance options that the rental company offers?

someone please help

thanks
Title: Re: Credit Card Car Rental Insurance
Post by: yellowj on July 20, 2015, 12:16:11 AM
someone please help

thanks

Either; Although Chase is primary. Why do you need to buy premium coverage for just a convertible?

Regular coverage is quite fine.
Title: Re: Credit Card Car Rental Insurance
Post by: Chief Rabbi of New York on July 20, 2015, 10:13:45 AM
Either; Although Chase is primary. Why do you need to buy premium coverage for just a convertible?

Regular coverage is quite fine.

thanks
so if I use my sapphire
I don't have to add on any additional coverage?
Title: Re: Credit Card Car Rental Insurance
Post by: zlt123 on July 20, 2015, 10:25:23 AM
No. except if its an expansive car i think more than 50K worth CMIIAW
Title: Re: Credit Card Car Rental Insurance
Post by: clear thinker on July 20, 2015, 10:32:30 AM
To enroll in premium from amex I have to putpac or it's possible online?
And is it a difference which amex I should use or they're all the same?
Title: Re: Credit Card Car Rental Insurance
Post by: lybbtthl on July 23, 2015, 12:15:55 PM
Is CDW primary on all sapphire's? or just the sapphire preferred? i have the regular sapphire (free card) and I'm getting mixed info from reps.
Title: Re: Credit Card Car Rental Insurance
Post by: Jm1248 on July 23, 2015, 12:19:55 PM
Is CDW primary on all sapphire's? or just the sapphire preferred? i have the regular sapphire (free card) and I'm getting mixed info from reps.
Iirc only the preferred. Or you can use the united card if you have that
Title: Re: Credit Card Car Rental Insurance
Post by: lybbtthl on July 23, 2015, 12:22:25 PM
Iirc only the preferred. Or you can use the united card if you have that
thanks
Title: Re: Credit Card Car Rental Insurance
Post by: bambi on July 23, 2015, 05:11:05 PM
will my chase united explorer card cover the car insurance in israel?

and do is mandatory to pay for liability in israel or can i take a gamble?
Title: Re: Credit Card Car Rental Insurance
Post by: zlt123 on July 24, 2015, 11:18:18 AM
Yes ,Yes, & No
Title: Re: Credit Card Car Rental Insurance
Post by: bambi on July 24, 2015, 11:24:32 AM
can someone just clarify...

even if my credit card covers there is still a insurance you must pay for in israel?
about how much is it?
what are the 2 insurances called?
Title: Re: Credit Card Car Rental Insurance
Post by: Jm1248 on July 24, 2015, 11:27:41 AM
can someone just clarify...

even if my credit card covers there is still a insurance you must pay for in israel?
about how much is it?
what are the 2 insurances called?
Yes you still need to pay. Iirc about $12 a day. CDW & liability
Title: Re: Credit Card Car Rental Insurance
Post by: zlt123 on July 27, 2015, 09:43:38 AM
CDW Is coverd by some CC like CSP, UMP, etc.
Title: Re: Credit Card Car Rental Insurance
Post by: avrumy22 on July 27, 2015, 10:27:59 AM
which card will cover in United Arab Emirates?
Title: Re: Credit Card Car Rental Insurance
Post by: keemster26 on August 02, 2015, 03:02:04 PM
Does CSP insurance cover uhaul truck rentals?
Title: Re: Credit Card Car Rental Insurance
Post by: sammy n on August 02, 2015, 05:55:16 PM
Does CSP insurance cover uhaul truck rentals?
I don't think so but PUTPAC.
Title: Re: Credit Card Car Rental Insurance
Post by: Welder on August 03, 2015, 03:15:47 AM
I'm planning to rent a car from hertz with a few free-day coupons to get a week rental. If I only use 6, so that I'm left paying for 1 day, will my SP cover that?
Title: Re: Credit Card Car Rental Insurance
Post by: Jm1248 on August 03, 2015, 10:29:51 AM
I'm planning to rent a car from hertz with a few free-day coupons to get a week rental. If I only use 6, so that I'm left paying for 1 day, will my SP cover that?
Iirc the entire rental has to be on cc. Give the coupons at the end of the rental
Title: Re: Credit Card Car Rental Insurance
Post by: coralsnake on August 03, 2015, 10:40:52 AM
Iirc the entire rental has to be on cc. Give the coupons at the end of the rental
Are you allowed to do that?
Title: Re: Credit Card Car Rental Insurance
Post by: Jm1248 on August 03, 2015, 10:52:47 AM
Are you allowed to do that?
I've never done it but that's what dan always says to do. I have switched my method of payment upon return so it makes sense. Just don't tell them you will be using coupons until you get back
Title: Re: Credit Card Car Rental Insurance
Post by: avrumy22 on August 03, 2015, 11:42:27 AM
which card will cover in United Arab Emirates?

BUMP
Title: Re: Credit Card Car Rental Insurance
Post by: Jm1248 on August 03, 2015, 12:18:46 PM
BUMP
If any I would assume csp or united. PUTPAC
Title: Re: Credit Card Car Rental Insurance
Post by: coralsnake on August 03, 2015, 05:43:04 PM
I've never done it but that's what dan always says to do. I have switched my method of payment upon return so it makes sense. Just don't tell them you will be using coupons until you get back
Ive switched method of payment but never to a voucher.
Title: Re: Credit Card Car Rental Insurance
Post by: Jm1248 on August 03, 2015, 08:51:43 PM
Ive switched method of payment but never to a voucher.
http://www.dansdeals.com/index.php?s=Car+rental+certificate
Title: Re: Credit Card Car Rental Insurance
Post by: coralsnake on August 03, 2015, 08:53:06 PM
http://www.dansdeals.com/index.php?s=Car+rental+certificate

Good to know
Title: Re: Credit Card Car Rental Insurance
Post by: MosheD on August 12, 2015, 12:36:42 PM
K sorry haven't read through entire thread, but always hoped I wouldn't have to...
Anyway, I have a rental from hertz Las on Chase IP, (don't have sp, and left umpe at home as I don't use it for spending...) and got a flat. I was unable to change myself (I know), and had to pay a guy. Also, returned car on empty (i know again). What am I covered for, and what can I expect hertz to charge me?
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on August 19, 2015, 05:08:47 PM
K sorry haven't read through entire thread, but always hoped I wouldn't have to...
Anyway, I have a rental from hertz Las on Chase IP, (don't have sp, and left umpe at home as I don't use it for spending...) and got a flat. I was unable to change myself (I know), and had to pay a guy. Also, returned car on empty (i know again). What am I covered for, and what can I expect hertz to charge me?
Visa insurers flat tires. Was it a visa rental?
Title: Re: Credit Card Car Rental Insurance
Post by: shwarmabob on August 21, 2015, 01:34:11 AM
I rented a car from Hertz at TLV using a Chase United Visa card. I didn't have a print out that this card covers CDW and Hertz insisted that I put their CDW on the contract. They told me that I can bring the CWD proof  when I return the car and they can modify the contract then. With my family looking over my shoulders after a long flight I did the stupid thing and instead of calling Visa to email me a proof I agreed to the hertz conditions and drove off. Once settling down at our friends apartment, I did call Visa and received the email proof about the coverage. Sure enough two days ago someone bumped the car while it was parked in Tzfat. Will hertz honor their word and modify the contract to the chase coverage when I return the car or will I have to pay the hertz deductible which is quite a bit of money? Thanks
Title: Re: Credit Card Car Rental Insurance
Post by: Sam Finkelstein on August 22, 2015, 11:26:50 PM
If anyone's feeling like a sucker today:

https://youtu.be/WsqAJq3HT5Y
Title: Re: Credit Card Car Rental Insurance
Post by: shwarmabob on August 28, 2015, 12:13:19 PM
If anyone's feeling like a sucker today:

https://youtu.be/WsqAJq3HT5Y
Thanks for cheering me up, but at the end they removed the CDW fees from the rental when I returned the car ;D. Now I just have to file with Chase
Title: Re: Credit Card Car Rental Insurance
Post by: sruly101 on August 29, 2015, 07:47:43 PM
Renting in NY, With which card should I rent, Amex Plat, or a citi Master card (double cash)
Title: Re: Credit Card Car Rental Insurance
Post by: talmid chuchem on August 31, 2015, 03:53:23 PM
I rented a car from Hertz using UMPE on 6/29 for the summer vacation, & I’m supposed to give it back in the coming days. So it is a Multi Month rental & hertz says that they make a new rental agreement every 31 days (I saw it on a multi month contract, but I don’t see it on my contract because by mistake my rental was only for 61 days, the customer service reps & my agent claims that if I return it later than 62 it automatically converts to a multi-month & then I should have a new contract)

I made a minor accident in the beginning of the rental period & I didn’t make any police report for the accident, I went down together with the other driver to the precinct & they said that they can only make a report on the scene of the accident so now our only option is to make a civilian casualty report. When the other driver went to collision shop, the shop told him that he can’t claim with a civilian casualty report & the only way to claim is that my insurance would call me & ask me if the accident happened, but I don’t know how this will work with rental insurance. I would also like to know how to proceed with the return as the front bumper needs to be replaced & later on in the rental period it also got scratched in a few places.

I got a few questions:
1) As I didn’t make a police report how can the other car that got damaged claim the insurance?
2) Will the CC cover the damage for my car?
3) Do I need to call chase before the return?
4) As I don’t have a police report, maybe I shouldn’t tell them that I had a accident with another vehicle & just tell them that I crashed into a gate? (then I’ll have to pay for the other vehicle with my money :( )

As it’s the first time I rented I car I don’t know all the details, please help me.
TIA
Title: Re: Credit Card Car Rental Insurance
Post by: shmooz on September 01, 2015, 02:49:11 AM
You do need some help...
Firstly the insurance from cc will not cover the other car. It covers your car.
If you own a car your own insurance covers the other car.
a police report is not needed afaik.
If you dont own a car then i dont know how it works.

Maybe someone else can help with the.multi month. Generally cc will only cover rental less than a month.but it looks like hertz may break it up.
Title: Re: Credit Card Car Rental Insurance
Post by: talmid chuchem on September 01, 2015, 03:09:25 AM
You do need some help...
Firstly the insurance from cc will not cover the other car. It covers your car.
If you own a car your own insurance covers the other car.
a police report is not needed afaik.
If you dont own a car then i dont know how it works.

Maybe someone else can help with the.multi month. Generally cc will only cover rental less than a month.but it looks like hertz may break it up.
Thanks!

Hertz doesn't have insurance on their vehicles that covers other cars? How are the legal to drive around if they don't have insurance?
If I get a new agreement then I can tell them the real story even without a police report?
Will hertz give me a new agreement via email?
Title: Re: Credit Card Car Rental Insurance
Post by: lauraitkin on September 01, 2015, 11:40:35 PM
Hi,

I'm traveling with my husband and two kids B'H to Maui in July. We are looking to a rent an SUV for the course of our stay on the island. I had some questions regarding both the credit card and coverage for the rental.
1. Should I book the reservation using my Chase Freedom, Chase Ink Plus, or the American Express Blue Cash Preferred card?
2. Once I book the rental reservation, is it necessary to purchase additional insurance through the rental company? I just want to make sure that if gd forbid any damage occurs, I would have coverage.

Thank you so much for all your help!
Title: Re: Credit Card Car Rental Insurance
Post by: yochiek93 on September 17, 2015, 05:13:36 AM
does the aviator world mastercard cover cdw in israel?
Title: Re: Credit Card Car Rental Insurance
Post by: yelped on September 25, 2015, 12:56:52 PM
Hi, I booked a car with Budget and declined additional coverage. I used an American Express SPG card, and I also have Liberty mutual insurance on my personal car at home. Am I covered through the regular insurance? If not, will amex cover me? Is there anything I can do to make them cover? Is it better than my regular insurance if it covers? Thanks!!
Title: Re: Credit Card Car Rental Insurance
Post by: YudiG on September 25, 2015, 08:53:53 PM
if i rent with hertz and use points to cover 100 of a 120 rental...will amex not provide the cc portion of insurance?
Title: Re: Credit Card Car Rental Insurance
Post by: D93 on October 08, 2015, 04:31:19 PM
Does SP cover for stolen items from a rental car?
Title: Re: Credit Card Car Rental Insurance
Post by: AROCKS1 on October 19, 2015, 08:17:09 PM
From the wiki:

There's no need to pay for the full amount with money, even if it's a points or coupon rental and you pay just $2 fees they will still cover you.

Is this true even if I'm only covered through regular CDW? (I'm sorry if this is discussed elsewhere I wasn't able to find it)

(Just got into an accident with rental that my insurance booked for me and is paying all but 5$ of. Will the 5$ on my amex cover my deductuible? They kept saying on the phone that I need all of the rental on my card...
Title: Re: Credit Card Car Rental Insurance
Post by: AROCKS1 on October 20, 2015, 12:18:09 AM
From the wiki:

There's no need to pay for the full amount with money, even if it's a points or coupon rental and you pay just $2 fees they will still cover you.

Is this true even if I'm only covered through regular CDW? (I'm sorry if this is discussed elsewhere I wasn't able to find it)

(Just got into an accident with rental that my insurance booked for me and is paying all but 5$ of. Will the 5$ on my amex cover my deductuible? They kept saying on the phone that I need all of the rental on my card...

I could rly use an answer to this...if no, I'm out a huge deductible :-(
Title: Re: Credit Card Car Rental Insurance
Post by: yelped on October 20, 2015, 12:20:11 AM
I could rly use an answer to this...if no, I'm out a huge deductible :-(
I've seen people report here that in practice, Amex covers even if part of the rental is on their card.
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on October 20, 2015, 12:24:57 AM
There was discussion of this exact issue a couple of months ago (someone got a car through insurance, paid fee's with csp, and got into an accident). I don't remember the outcome. Paging TimT.
Title: Re: Credit Card Car Rental Insurance
Post by: Josef.koney on October 20, 2015, 12:33:03 AM
if i rent with hertz and use points to cover 100 of a 120 rental...will amex not provide the cc portion of insurance?
I was fine.
From the wiki:

There's no need to pay for the full amount with money, even if it's a points or coupon rental and you pay just $2 fees they will still cover you.

Is this true even if I'm only covered through regular CDW? (I'm sorry if this is discussed elsewhere I wasn't able to find it)

(Just got into an accident with rental that my insurance booked for me and is paying all but 5$ of. Will the 5$ on my amex cover my deductuible? They kept saying on the phone that I need all of the rental on my card...
Could be different but when used points I was fine
Title: Re: Credit Card Car Rental Insurance
Post by: AROCKS1 on October 20, 2015, 08:58:46 AM
I've seen people report here that in practice, Amex covers even if part of the rental is on their card.

IOW I should just file the claim with amex, and worst comes to worse they will say they don't cover it in this case?

There was discussion of this exact issue a couple of months ago (someone got a car through insurance, paid fee's with csp, and got into an accident). I don't remember the outcome. Paging TimT.


I searched for TimT on this topic and diddnt find anything. Should I PM him?
Title: Re: Credit Card Car Rental Insurance
Post by: tzifanya54 on October 20, 2015, 01:44:28 PM
IOW I should just file the claim with amex, and worst comes to worse they will say they don't cover it in this case?

I searched for TimT on this topic and diddnt find anything. Should I PM him?
:) He was paging TimT for his uncanny search abilities. He has a knack for finding info fast. He didn't write the post.
Title: Re: Credit Card Car Rental Insurance
Post by: AROCKS1 on October 20, 2015, 01:46:33 PM
Oh ok thanks
Title: Re: Credit Card Car Rental Insurance
Post by: ygygold on October 25, 2015, 07:59:33 PM
How do I go about doing a claim with sapphire preferred? I'm afraid silvercar is going to make pay for a scratch
Title: Re: Credit Card Car Rental Insurance
Post by: Jm1248 on October 25, 2015, 10:10:40 PM
How do I go about doing a claim with sapphire preferred? I'm afraid silvercar is going to make pay for a scratch
Call and ask to speak to the benefits department. I think the number is 888-320-9961
Title: Re: Credit Card Car Rental Insurance
Post by: tzifanya54 on October 25, 2015, 10:37:39 PM
Call and ask to speak to the benefits department. I think the number is 888-320-9961
+1
You can file the claim now regardless. If they charge you will be done already, if not its fine too.
Title: Re: Credit Card Car Rental Insurance
Post by: sd647 on October 26, 2015, 12:34:11 AM
dose anyone know if csp covers flood for car rental
Title: Re: Credit Card Car Rental Insurance
Post by: ygygold on October 26, 2015, 01:52:45 AM
Thanks for the info. They didn't make any issues.
Title: Re: Credit Card Car Rental Insurance
Post by: Jm1248 on October 26, 2015, 09:09:37 AM
dose anyone know if csp covers flood for car rental
Did that already happen or you're worried it will?
Title: Re: Credit Card Car Rental Insurance
Post by: Yehuda25 on November 01, 2015, 06:25:45 PM
Friend rented in Israel on his BA card and damaged the car, from looking online it seems that Israel would be excluded from coverage,

However dan clearly writes not like that.  http://www.dansdeals.com/archives/35857


Who is right?
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on November 01, 2015, 06:29:41 PM
Friend rented in Israel on his BA card and damaged the car, from looking online it seems that Israel would be excluded from coverage,

However dan clearly writes not like that.  http://www.dansdeals.com/archives/35857


Who is right?
BA is chase, which covers Israel. Why do you say it doesn't?
Title: Re: Credit Card Car Rental Insurance
Post by: Yehuda25 on November 01, 2015, 06:39:46 PM
BA is chase, which covers Israel. Why do you say it doesn't?
from searching online it seems to exclude Israel Jamaica etc.   And all bloggers except Dan seem to say the same
Title: Re: Credit Card Car Rental Insurance
Post by: srulky on November 01, 2015, 09:22:49 PM
In Wiki it says about using AMEX card - There's no need to pay for the full amount with money, even if it's a points or coupon rental and you pay just $2 fees they will still cover you. Can anyone explain this to me . which coupon can/should be used.

Bikitzur, whats the best way to get AMEX to cover as primary?
Title: Re: Credit Card Car Rental Insurance
Post by: ydf on November 01, 2015, 10:56:38 PM
In Wiki it says about using AMEX card - There's no need to pay for the full amount with money, even if it's a points or coupon rental and you pay just $2 fees they will still cover you. Can anyone explain this to me . which coupon can/should be used.

Bikitzur, whats the best way to get AMEX to cover as primary?
whats your question? Do you have a coupon you wana use?
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on November 01, 2015, 11:13:29 PM
In Wiki it says about using AMEX card - There's no need to pay for the full amount with money, even if it's a points or coupon rental and you pay just $2 fees they will still cover you. Can anyone explain this to me . which coupon can/should be used.

Bikitzur, whats the best way to get AMEX to cover as primary?
That's two separate questions.
Title: Re: Credit Card Car Rental Insurance
Post by: Jm1248 on November 01, 2015, 11:15:17 PM
Does amex cover primary in Canada?
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on November 01, 2015, 11:31:45 PM
Does amex cover primary in Canada?
I don't get why amex doesn't provide primary everywhere for you.
Title: Re: Credit Card Car Rental Insurance
Post by: srulky on November 01, 2015, 11:58:01 PM
That's two separate questions.
I'm not familiar with any coupon, so I'd like to know best strategy for usinf amex as primary coverage. Any input?
Title: Re: Credit Card Car Rental Insurance
Post by: PPM on November 03, 2015, 09:46:55 AM
Does chase pay for deductible?
Title: Re: Credit Card Car Rental Insurance
Post by: zlt123 on November 03, 2015, 12:04:21 PM
If you have a deductible thats means that you didnt waive the LDW/CDW than your not coverd under Chase
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on November 03, 2015, 12:09:01 PM
If you have a deductible thats means that you didnt waive the LDW/CDW than your not coverd under Chase
No, that means that you only have secondary coverage and your personal insurance has a deductible.
Title: Re: Credit Card Car Rental Insurance
Post by: avrumy22 on November 16, 2015, 03:21:32 PM
when booking with national, should I decline coverage and use my ink card?
Title: Re: Credit Card Car Rental Insurance
Post by: Yehuda25 on November 16, 2015, 07:26:30 PM
when booking with national, should I decline coverage and use my ink card?
for collison, yes.
Title: Re: Credit Card Car Rental Insurance
Post by: nochum18 on November 18, 2015, 12:41:08 PM
I have a few scratches on my rental car that I put on my cs. I didn't return the car yet and I wanna know what docs do I need if any for chase to cover?
Title: Re: Credit Card Car Rental Insurance
Post by: Yehuda25 on November 18, 2015, 09:08:25 PM
I have a few scratches on my rental car that I put on my cs. I didn't return the car yet and I wanna know what docs do I need if any for chase to cover?
Usually they handle it with the rental car company.
Title: Re: Credit Card Car Rental Insurance
Post by: Venilla on November 19, 2015, 12:45:53 PM
Does chase pay for deductible?
Deductible of personal insurance? Yes.
Title: Re: Credit Card Car Rental Insurance
Post by: bznt on November 19, 2015, 03:15:14 PM
Any card that will cover a budget truck rental ?
Title: Re: Credit Card Car Rental Insurance
Post by: flyingBlue on November 23, 2015, 12:46:36 AM
1) what is a world mastercard that offers insurance in Israel? is it any mastercard?
2) how do I purchase liability insurance for a rental in Israel?and what is the price range?
Title: Re: Credit Card Car Rental Insurance
Post by: Emkay on November 23, 2015, 04:12:11 AM


how do I purchase liability insurance for a rental in Israel?and what is the price range?
from the rental company, its automatically included as its mandatory. I think it cost around 50 shekel a day

Title: Re: Credit Card Car Rental Insurance
Post by: sammy n on November 23, 2015, 05:13:46 AM
1) what is a world mastercard that offers insurance in Israel? is it any mastercard?
2) how do I purchase liability insurance for a rental in Israel?and what is the price range?
1. Like you said a "world Mastercard"
2. It's part of the rental price. It's just collision that you have to deal with.
Title: Re: Credit Card Car Rental Insurance
Post by: sammy n on November 23, 2015, 05:15:16 AM


I think it cost around 50 shekel a day

What makes you say that?
Title: Re: Credit Card Car Rental Insurance
Post by: Emkay on November 23, 2015, 05:36:22 AM

What makes you say that?
Not sure, do you know otherwise?
Title: Re: Credit Card Car Rental Insurance
Post by: sammy n on November 23, 2015, 05:44:25 AM
Not sure, do you know otherwise?
Like I said

It's part of the rental price.

Title: Re: Credit Card Car Rental Insurance
Post by: Emkay on November 23, 2015, 05:49:31 AM
Like I said
It's only part of it since is mandatory. But there is an actual price breakdown where you see the price for insurance which has a set price. Make a reservation on an OTA and you'll see the base price as low as $5 before it's added
Title: Re: Credit Card Car Rental Insurance
Post by: sammy n on November 23, 2015, 05:57:52 AM
It's only part of it since is mandatory. But there is an actual price breakdown where you see the price for insurance which has a set price. Make a reservation on an OTA and you'll see the base price as low as $5 before it's added

That's why it's almost never worth booking on a OTA bec there is more fees added on when you pick up the car making the price higher then when booking with a agent. When booking with agents there's no break down. They get a set price which includes the insurance.
Title: Re: Credit Card Car Rental Insurance
Post by: Emkay on November 23, 2015, 06:04:47 AM


That's why it's almost never worth booking on a OTA bec there is more fees added on when you pick up the car making the price higher then when booking with a agent. When booking with agents there's no break down. They get a set price which includes the insurance.

There is still a breakdown, you just may not see it. I can get the same price online as with an agent usually. I'm not talking about any extra added fees
Title: Re: Credit Card Car Rental Insurance
Post by: sammy n on November 23, 2015, 06:09:18 AM

There is still a breakdown, you just may not see it. I can get the same price online as with an agent usually. I'm not talking about any extra added fees
OK let's see. Quote me a price for a 2 days starting tomorrow.
Title: Re: Credit Card Car Rental Insurance
Post by: Emkay on November 23, 2015, 06:22:37 AM
OK let's see. Quote me a price for a 2 days starting tomorrow.
A two day rental before all fees is $15. I have zero interest in researching how much extra it will cost or fighting this out
Title: Re: Credit Card Car Rental Insurance
Post by: sammy n on November 23, 2015, 06:32:20 AM
A two day rental before all fees is $15. I have zero interest in researching how much extra it will cost or fighting this out
OK so then don't talk to begin with then.
Title: Re: Credit Card Car Rental Insurance
Post by: Emkay on November 23, 2015, 06:36:07 AM
OK so then don't talk to begin with then.
what the hell is wrong with you? Someone asked a simple question, and I answered. Since I'm not gonna attempt to beat am agents price I shouldn't of answered something that had nothing to do with that?
Here's my original answer for you to ponder
from the rental company, its automatically included as its mandatory. I think it cost around 50 shekel a day




Title: Re: Credit Card Car Rental Insurance
Post by: sammy n on November 23, 2015, 06:50:32 AM
what the hell is wrong with you? Someone asked a simple question, and I answered. Since I'm not gonna attempt to beat am agents price I shouldn't of answered something that had nothing to do with that?
Here's my original answer for you to ponder
Again like I said dont talk to begin with and say "I think it's 50shekel" if your not willing to prove that you have any clue what you talking about when someone telling you it works otherwise. /end
Title: Re: Credit Card Car Rental Insurance
Post by: Emkay on November 23, 2015, 07:05:30 AM
Again like I said dont talk to begin with and say "I think it's 50shekel" if your not willing to prove that you have any clue what you talking about when someone telling you it works otherwise. /end
you are particularly grumpy today. i said "think" as for some reason i was under that impression,  if i had proof it wouldn't of written "i think". I don't have to prove diddly squat ever.
In any case i just called hertz and they said its around $16 which is around 60 shekel and it is tied in with the price when going through an agent. I didn't get her name but she seemed like a very nice rep and you can argue it out with her if you'd like
Title: Re: Credit Card Car Rental Insurance
Post by: flyingBlue on November 23, 2015, 02:11:16 PM
so if I made a Hertz booking on delta.com, is the liability insurance included in the price?
Title: Re: Credit Card Car Rental Insurance
Post by: flyingBlue on November 23, 2015, 04:34:59 PM
so if I made a Hertz booking on delta.com, is the liability insurance included in the price?
anybody?
Title: Re: Credit Card Car Rental Insurance
Post by: sammy n on November 24, 2015, 05:25:38 AM
anybody?
Most probably not.
How much is it coming out per day?
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on November 24, 2015, 09:02:23 AM
IME with the OTA's, if the liability is included it'll say that. Otherwise, assume it's not. It probably says in the fine print.
Title: Re: Credit Card Car Rental Insurance
Post by: Scmcodes on December 02, 2015, 07:49:13 AM
does the chase mileage plus or the ink plus cover in israel?
Title: Re: Credit Card Car Rental Insurance
Post by: sammy n on December 02, 2015, 09:11:16 AM
does the chase mileage plus or the ink plus cover in israel?
Yes both of them.
Title: Re: Credit Card Car Rental Insurance
Post by: srulky on December 09, 2015, 10:16:51 PM
Can you sign up for Primary coverage through AMEX and then pay at the end with a different card? Will you still be billed?
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on December 09, 2015, 10:22:06 PM
Can you sign up for Primary coverage through AMEX and then pay at the end with a different card? Will you still be billed?
Yes and no.. I thought we went through this.
Title: Re: Credit Card Car Rental Insurance
Post by: Sowhat on December 14, 2015, 07:26:12 PM
With the INK card offering primary CDW for biz travel only, is there any other Chase card aside from Sapphire that offers primary CDW?
Title: Re: Credit Card Car Rental Insurance
Post by: B.D.Da'ehu on December 14, 2015, 07:30:29 PM
With the INK card offering primary CDW for biz travel only, is there any other Chase card aside from Sapphire that offers primary CDW?
Chase united mileage plus explorer and obviously club.
Title: Re: Credit Card Car Rental Insurance
Post by: yelped on December 14, 2015, 07:30:59 PM
Is there any way to get CC to cover insurance when the insurance company is paying for the rental?
Title: Re: Credit Card Car Rental Insurance
Post by: Venilla on December 14, 2015, 08:43:38 PM
Is there any way to get CC to cover insurance when the insurance company is paying for the rental?
Can't you pay with your card and than get reimbursed?
Title: Re: Credit Card Car Rental Insurance
Post by: yelped on December 14, 2015, 08:49:19 PM
Can't you pay with your card and than get reimbursed?

They pay for it directly..
Title: Re: Credit Card Car Rental Insurance
Post by: dz164 on December 14, 2015, 08:55:40 PM
They pay for it directly..

Right. No way they will "pay"for coverage from another company.

(unfortunately) needed this twice. They never even asked for a CC (though they did try to upsell of course)
Title: Re: Credit Card Car Rental Insurance
Post by: mechayamom on December 14, 2015, 09:55:20 PM
Chase united mileage plus explorer and obviously club.
Does Hyatt cover also?  Chase Explorer also Primary in Israel and no foreign exchange fee?  Does it cover authorized users too or only primary?
Title: Re: Credit Card Car Rental Insurance
Post by: Sowhat on December 15, 2015, 06:42:33 PM
Chase united mileage plus explorer and obviously club.

Guess I will have to settle for secondary insurance.  Thanks.
Title: Re: Credit Card Car Rental Insurance
Post by: yelped on December 15, 2015, 06:54:44 PM
You can pay $29 for Amex premium insurance if you use their cards. Covers any car and is primary. Someone correct me if I'm wrong.
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on December 15, 2015, 06:57:41 PM
You can pay $29 for Amex premium insurance if you use their cards. Covers any car and is primary. Someone correct me if I'm wrong.
It's $20 or $25, depending on which level of coverage you choose, and you usually don't have to pay it, if you know what you're doing.
Title: Re: Credit Card Car Rental Insurance
Post by: yelped on December 15, 2015, 06:58:48 PM
It's $20 or $25, depending on which level of coverage you choose, and you usually don't have to pay it, if you know what you're doing.
Meaning, if you buy it and pay in the end with a different card if all is all right?
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on December 15, 2015, 07:03:14 PM
Meaning, if you buy it and pay in the end with a different card if all is all right?
נכון
Title: Re: Credit Card Car Rental Insurance
Post by: yelped on December 15, 2015, 07:04:32 PM
Do I need to delete my post in the sake of keeping this alive? :)
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on December 15, 2015, 07:06:05 PM
Do I need to delete my post in the sake of keeping this alive? :)
No, this is old news. It's not so easily killed.
Title: Re: Credit Card Car Rental Insurance
Post by: B.D.Da'ehu on December 15, 2015, 07:09:02 PM
No, this is old news. It's not so easily killed.
Ye it's been posted dozens of times....
Title: Re: Credit Card Car Rental Insurance
Post by: Venilla on December 16, 2015, 08:42:34 AM
1) Does Hyatt cover also? 
2) Chase Explorer also Primary in Israel and no foreign exchange fee? 
3) Does it cover authorized users too or only primary?
1) Cover? Yes. Primary coverage? No.
2) Yes. (Your -American- insurance doesn't cover you in Israel so it's always primary)
3) Authorized users too.
Title: Re: Credit Card Car Rental Insurance
Post by: Hidden on December 19, 2015, 06:25:49 PM
Any reason to use csp rather than umpe for car rental?
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on December 19, 2015, 06:27:26 PM
Any reason to use csp rather than umpe for car rental?
2x points.
Title: Re: Credit Card Car Rental Insurance
Post by: Hidden on December 19, 2015, 06:29:07 PM
2x points.
No difference for insurance?
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on December 19, 2015, 06:30:30 PM
No difference for insurance?
Same primary insurance.
Title: Re: Credit Card Car Rental Insurance
Post by: Hidden on December 19, 2015, 06:35:30 PM
Same primary insurance.
Same for main and additional card member?
Title: Re: Credit Card Car Rental Insurance
Post by: yochiek93 on December 19, 2015, 06:36:03 PM
Same for main and additional card member?
yes
Title: Re: Credit Card Car Rental Insurance
Post by: Hidden on December 19, 2015, 06:36:43 PM
Same for Israel and USA?
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on December 19, 2015, 06:37:28 PM
Same for Israel and USA?
Yes.
Title: Re: Credit Card Car Rental Insurance
Post by: Hidden on December 19, 2015, 06:39:07 PM
yes

Yes.
Thank you all!
Title: Re: Credit Card Car Rental Insurance
Post by: Moishel on December 23, 2015, 09:45:11 AM
I've been trying to research this but am getting conflicting information. this article here (http://www.consumeraffairs.com/travel/carrent_ins.html) claims that rental companies are required by law to provide minimum liability to their cars. I do not own a car or an insurance policy. Can I legally decline any additional insurance they'll try to push at the desk?


I don't think it makes a difference, but just in case, here's the list of my cards:
Amex Biz Plat, BC, SPG, SPG biz, Chase Freedom, Ink bold, SW, SW PP, SP, BA, IHG, United, Barclaycard AAdvantage Aviator. Citi AA, TY Preferred, Forward. A few more, but I don't think they offer any kind of benefits.
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on December 23, 2015, 10:07:38 AM
I've been trying to research this but am getting conflicting information. this article here (http://www.consumeraffairs.com/travel/carrent_ins.html) claims that rental companies are required by law to provide minimum liability to their cars. I do not own a car or an insurance policy. Can I legally decline any additional insurance they'll try to push at the desk?


I don't think it makes a difference, but just in case, here's the list of my cards:
Amex Biz Plat, BC, SPG, SPG biz, Chase Freedom, Ink bold, SW, SW PP, SP, BA, IHG, United, Barclaycard AAdvantage Aviator. Citi AA, TY Preferred, Forward. A few more, but I don't think they offer any kind of benefits.

Credit card is irrelevant for liability, no credit card covers that. I know in ny there is a law requiring minimum liability, I don't know elsewhere.  I often use a code that adds liability anyways. Whether or not you should get extra coverage or not depends on your collectible assets.
Title: Re: Credit Card Car Rental Insurance
Post by: Josef.koney on December 23, 2015, 10:11:53 AM
I've been trying to research this but am getting conflicting information. this article here (http://www.consumeraffairs.com/travel/carrent_ins.html) claims that rental companies are required by law to provide minimum liability to their cars. I do not own a car or an insurance policy. Can I legally decline any additional insurance they'll try to push at the desk?


I don't think it makes a difference, but just in case, here's the list of my cards:
Amex Biz Plat, BC, SPG, SPG biz, Chase Freedom, Ink bold, SW, SW PP, SP, BA, IHG, United, Barclaycard AAdvantage Aviator. Citi AA, TY Preferred, Forward. A few more, but I don't think they offer any kind of benefits.

Cc has nothing to do with liability... But in general EVEN if they have to have insurance (yes they will put on the car if they legally need to...) but if you crash they could charge you full amount bc u declined.
Title: Re: Credit Card Car Rental Insurance
Post by: Moishel on December 23, 2015, 11:16:31 AM
Thanks for your responses.

I often use a code that adds liability anyways.
For instance?



I have no assets, and them charging me in case of an accident is a risk I'm willing to take for the 300 dollar difference, as I won't be doing much driving anyways.

I was just concerned about the legalities.
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on December 23, 2015, 11:19:17 AM
Thanks for your responses.
For instance?



I have no assets, and them charging me in case of an accident is a risk I'm willing to take for the 300 dollar difference, as I won't be doing much driving anyways.

I was just concerned about the legalities.
A $300 difference? Think $300k if you do any serious damage.
Title: Re: Credit Card Car Rental Insurance
Post by: Round2 on December 23, 2015, 06:20:35 PM
Once the rental is closed as in I got the recipe, does that mean I wont hear from the rental company if there is damage?
Title: Re: Credit Card Car Rental Insurance
Post by: Sowhat on December 24, 2015, 08:32:16 AM
Has anyone paid for AMEX's primary ins add-on, for $25 or so?  Giving all I am reading about loopholes on ins rentals, via cc or your own ins, it seems worthwhile for some peace of mind.
Title: Re: Credit Card Car Rental Insurance
Post by: Emkay on December 24, 2015, 08:44:12 AM
Has anyone paid for AMEX's primary ins add-on, for $25 or so?  Giving all I am reading about loopholes on ins rentals, via cc or your own ins, it seems worthwhile for some peace of mind.
I have added it to my rentals but never paid for it
Title: Re: Credit Card Car Rental Insurance
Post by: yakrot on December 24, 2015, 08:48:18 AM

Has anyone paid for AMEX's primary ins add-on, for $25 or so?  Giving all I am reading about loopholes on ins rentals, via cc or your own ins, it seems worthwhile for some peace of mind.
you can reserve the rental on your Amex but only pay using the same Amex if you know your gonna need the insurance
Title: Re: Credit Card Car Rental Insurance
Post by: Sowhat on December 24, 2015, 08:52:03 AM
you can reserve the rental on your Amex but only pay using the same Amex if you know your gonna need the insurance

Don't understand.  Don't you pay before you rent?
Title: Re: Credit Card Car Rental Insurance
Post by: yitrap on December 24, 2015, 09:05:23 AM

Don't understand.  Don't you pay before you rent?
No before you rent is just an authorization, when you return the car you actually pay. 
Title: Re: Credit Card Car Rental Insurance
Post by: Sowhat on January 01, 2016, 02:45:15 PM
Don't understand.  Don't you pay before you rent?

I just looked at the details of amex.  It doesnt cover liability or the rental loss of use.  So why is it so great?
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on January 01, 2016, 02:47:51 PM
I just looked at the details of amex.  It doesnt cover liability or the rental loss of use.  So why is it so great?
Nobody covers liability. You're sure it doesn't cover loss of use?
Title: Re: Credit Card Car Rental Insurance
Post by: Sowhat on January 01, 2016, 03:45:27 PM
Nobody covers liability. You're sure it doesn't cover loss of use?

No mention on their site.
Title: Re: Credit Card Car Rental Insurance
Post by: stever on January 01, 2016, 05:40:21 PM
Nobody covers liability. You're sure it doesn't cover loss of use?

Doesn't Geico or ones us insurance cover liability?
Title: Re: Credit Card Car Rental Insurance
Post by: B.D.Da'ehu on January 03, 2016, 03:14:47 AM
Does chase sapphire cover a BMW X3?
I called and they said it is.
Title: Re: Credit Card Car Rental Insurance
Post by: yochiek93 on January 03, 2016, 04:05:04 AM
I called and they said it is.
Thanx for the update
Title: Re: Credit Card Car Rental Insurance
Post by: Mutty on January 03, 2016, 02:57:54 PM
I have the Amex SPG card. What should I pay for when renting and what not? Also, does your regular car insurance (Allstate) cover certain things? Yes, I can ask them but today is Sunday and I was wondering.
Title: Re: Credit Card Car Rental Insurance
Post by: IYM on January 03, 2016, 03:01:00 PM
I'm sure this has been answered before but can't find it:

I currently have out a rented a car in Israel (from Thrifty) on my Chase cc and got some dents and scratches on the car:

1) What should I expect to happen upon returning the car?

2) Anything I should be doing before returning the car?

Please be as detailed as possible.  Thanks!!
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on January 03, 2016, 03:03:14 PM
I have the Amex SPG card. What should I pay for when renting and what not? Also, does your regular car insurance (Allstate) cover certain things? Yes, I can ask them but today is Sunday and I was wondering.
Decline everything from the rental agency. Amex will pay for whatever damage that Allstate doesn't if you get into an accident (secondary coverage). Your personal insurance should also cover liability. (If you want primary coverage, opt into amex premium coverage, and use a different non amex card to pay at the end of the rental, if you haven't done any damage to the vehicle.)
Title: Re: Credit Card Car Rental Insurance
Post by: yochiek93 on January 03, 2016, 03:26:44 PM
I'm sure this has been answered before but can't find it:

I currently have out a rented a car in Israel (from Thrifty) on my Chase cc and got some dents and scratches on the car:

1) What should I expect to happen upon returning the car?

2) Anything I should be doing before returning the car?

Please be as detailed as possible.  Thanks!!
Depends how banged up it was and depends on the dents and scratches you made if you want a detailed response ask a detailed question
Title: Re: Credit Card Car Rental Insurance
Post by: Mutty on January 03, 2016, 03:43:28 PM
Decline everything from the rental agency. Amex will pay for whatever damage that Allstate doesn't if you get into an accident (secondary coverage). Your personal insurance should also cover liability. (If you want primary coverage, opt into amex premium coverage, and use a different non amex card to pay at the end of the rental, if you haven't done any damage to the vehicle.)

Sorry for the blank stare that you can't see. Can you explain that last sentence for the inexperienced renter.
Title: Re: Credit Card Car Rental Insurance
Post by: IYM on January 03, 2016, 03:47:18 PM
Depends how banged up it was and depends on the dents and scratches you made if you want a detailed response ask a detailed question
There isn't any 'structural' damage to the car.  I was driving in a very tight parking lot and scratched up the paint on the side of the car (minivan).  The scratches are approximately several inches in length...
Title: Re: Credit Card Car Rental Insurance
Post by: Sowhat on January 03, 2016, 03:58:00 PM
Decline everything from the rental agency. Amex will pay for whatever damage that Allstate doesn't if you get into an accident (secondary coverage). Your personal insurance should also cover liability. (If you want primary coverage, opt into amex premium coverage, and use a different non amex card to pay at the end of the rental, if you haven't done any damage to the vehicle.)

Loss of use??
Title: Re: Credit Card Car Rental Insurance
Post by: yochiek93 on January 03, 2016, 03:59:19 PM
There isn't any 'structural' damage to the car.  I was driving in a very tight parking lot and scratched up the paint on the side of the car (minivan).  The scratches are approximately several inches in length...
Did it have any damage before
Title: Re: Credit Card Car Rental Insurance
Post by: IYM on January 03, 2016, 04:03:46 PM
Did it have any damage before
yes, scratches all around the car but not in the area where I scratched it.
Title: Re: Credit Card Car Rental Insurance
Post by: Hidden on January 03, 2016, 04:05:11 PM
Does the ritz offer insurance like csp and United?
Title: Re: Credit Card Car Rental Insurance
Post by: Thingywingy on January 05, 2016, 07:14:52 PM
Will I be covered if I use a AU Chase United card not in my name, as long as I have a card in my name? (not with me)
Title: Re: Credit Card Car Rental Insurance
Post by: Venilla on January 06, 2016, 10:09:14 AM
Will I be covered if I use a AU Chase United card not in my name, as long as I have a card in my name? (not with me)
Chase AU have the same account number as the primary account holder. Make some damage to the strip and let them enter the CC number manually so no one will know which card was used.

Don't tell me you're renting from the big boys. What makes you think they'll let you use a card in someone else's name?
Title: Re: Credit Card Car Rental Insurance
Post by: Thingywingy on January 06, 2016, 04:25:24 PM
Chase AU have the same account number as the primary account holder. Make some damage to the strip and let them enter the CC number manually so no one will know which card was used.

Don't tell me you're renting from the big boys. What makes you think they'll let you use a card in someone else's name?
EZ Car. Did by mistake. Can they tell which card was used if swiped?
Title: Re: Credit Card Car Rental Insurance
Post by: Venilla on January 06, 2016, 06:37:52 PM
EZ Car. Did by mistake. Can they tell which card was used if swiped?
Technically they can. I think that since you're an AU you should be covered but I'm not sure.
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on January 06, 2016, 06:52:38 PM
Technically they can. I think that since you're an AU you should be covered but I'm not sure.
AUs are covered, but the primary renter has to be the one with the name on the card.
Title: Re: Credit Card Car Rental Insurance
Post by: Venilla on January 06, 2016, 08:25:18 PM
AUs are covered, but the primary renter has to be the one with the name on the card.
Correct. But I still think that since you're an AU you might be covered even though you didn't use your card.
Title: Re: Credit Card Car Rental Insurance
Post by: yelped on January 06, 2016, 09:12:48 PM
Correct. But I still think that since you're an AU you might be covered even though you didn't use your card.
Hopefully you'll never need to find out the answer to that question.
Title: Re: Credit Card Car Rental Insurance
Post by: zer0k1 on January 09, 2016, 08:57:23 PM
If i book a car rental for a family member using my PRG card will they be covered under my insurance?
Title: Re: Credit Card Car Rental Insurance
Post by: sammy n on January 09, 2016, 09:02:06 PM

If i book a car rental for a family member using my PRG card will they be covered under my insurance?
What card will they be using to rent with?
Title: Re: Credit Card Car Rental Insurance
Post by: Sowhat on January 09, 2016, 09:11:28 PM
AUs are covered, but the primary renter has to be the one with the name on the card.

How is this determined?  Their site says only the renter can drive, not a spouse, for example.
Title: Re: Credit Card Car Rental Insurance
Post by: zer0k1 on January 09, 2016, 09:13:53 PM
What card will they be using to rent with?

Like I want to use the "pay now" option to get the discount and so that he would get my insurance... I don't mind giving him my cc but would that work?
Title: Re: Credit Card Car Rental Insurance
Post by: mord1 on January 09, 2016, 10:22:37 PM
Do corporate credit cards provide comp and collision coverage?
Title: Re: Credit Card Car Rental Insurance
Post by: elimmm on January 11, 2016, 08:06:33 AM
any info on CITI's CDW? i've only used amex (awesome) and chase (bad, but paid after time) so far and would like to rent on citi prestige card.   thanks
Title: Re: Credit Card Car Rental Insurance
Post by: Sam Finkelstein on January 17, 2016, 12:58:40 AM
I'm renting a car in California and paying with CSP. Is there anything else I need to do?
Title: Re: Credit Card Car Rental Insurance
Post by: Aaaron on January 26, 2016, 06:47:26 PM
What's my best option for booking in Costa Rica:  Citi Prestige, AmEx BRG, SPG, UA Explorer, or Ink?  I don't have CSP or any AmEx plats.
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on January 26, 2016, 07:27:24 PM
What's my best option for booking in Costa Rica:  Citi Prestige, AmEx BRG, SPG, UA Explorer, or Ink?  I don't have CSP or any AmEx plats.
MP explorer is primary. Some people say that amex is easier to deal with than chase. You may want to use amex premium for pre authorization and pay with ink.
Title: Re: Credit Card Car Rental Insurance
Post by: Aaaron on January 26, 2016, 07:31:07 PM
MP explorer is primary. Some people say that amex is easier to deal with than chase. You may want to use amex premium for pre authorization and pay with ink.

Thanks for the quick response.  Any of them cover additional drivers?
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on January 26, 2016, 07:32:02 PM
Thanks for the quick response.  Any of them cover additional drivers?
They should cover anybody on the rental agreement.
Title: Re: Credit Card Car Rental Insurance
Post by: Venilla on January 26, 2016, 07:32:16 PM
What's my best option for booking in Costa Rica:  Citi Prestige, AmEx BRG, SPG, UA Explorer, or Ink?  I don't have CSP or any AmEx plats.
Does your personal insurance cover Costa Rica? If not use an Amex, If it does, use MP.
Thanks for the quick response.  Any of them cover additional drivers?
All of them.
Title: Re: Credit Card Car Rental Insurance
Post by: Aaaron on January 26, 2016, 07:33:13 PM
All of them.

Thanks, lady and gent.
Title: Re: Credit Card Car Rental Insurance
Post by: lunatic on January 26, 2016, 07:52:37 PM
MP explorer is primary. Some people say that amex is easier to deal with than chase. You may want to use amex premium for pre authorization and pay with ink.
CMIIW,isn't ink also primary
Title: Re: Credit Card Car Rental Insurance
Post by: Venilla on January 26, 2016, 07:53:14 PM
CMIIW,isn't ink also primary
Only if the rental for business purposes...
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on January 26, 2016, 07:53:56 PM
CMIIW,isn't ink also primary
On business rentals. If I had to choose between a UMPE and IP, I'd use UMPE.
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on January 27, 2016, 12:10:52 PM
If I make a reservation in the US through a foreign website (came out cheaper that way), via a country that requires cdw (albeit with a high deductible), will they allow me to decline this coverage at the time of rental?
Title: Re: Credit Card Car Rental Insurance
Post by: Thingywingy on January 28, 2016, 10:16:42 AM
Is an authorized user covered on chase ba? What's the standard procedure? Dollar charged me about $1000 for damage to a windshield. Is that the normal way it's done?
Title: Re: Credit Card Car Rental Insurance
Post by: Venilla on January 28, 2016, 11:41:01 AM
Is an authorized user covered on chase ba? What's the standard procedure? Dollar charged me about $1000 for damage to a windshield. Is that the normal way it's done?
AU is covered if his/her card was used for the rental. If the primary card was used see the discussion a few pages back.
Title: Re: Credit Card Car Rental Insurance
Post by: greatdeals on February 08, 2016, 08:17:34 PM
are you covered if you are an authorized user on someone's cc?
Title: Re: Credit Card Car Rental Insurance
Post by: yelped on February 08, 2016, 08:21:16 PM
are you covered if you are an authorized user on someone's cc?
AU is covered if his/her card was used for the rental. If the primary card was used see the discussion a few pages back.

Literally the post above yours... unless I'm misunderstanding your question.
Title: Re: Credit Card Car Rental Insurance
Post by: Scmcodes on February 09, 2016, 07:03:05 AM
what is the best over all credit card to use for a rental in Israel that has the most coverage?
Title: Re: Credit Card Car Rental Insurance
Post by: sammy n on February 09, 2016, 07:08:04 AM

what is the best over all credit card to use for a rental in Israel that has the most coverage?
Any Chase card
Title: Re: Credit Card Car Rental Insurance
Post by: Hidden on February 09, 2016, 07:22:20 AM
Any Chase card
In Israel all cards become primary?


Any benefit using csp other than points?
Title: Re: Credit Card Car Rental Insurance
Post by: Abet rich on February 09, 2016, 08:38:34 AM
In Israel all cards become primary?


Any benefit using csp other than points?
Any paid Chase card. Excluding Freedom and the like which have no annual fee
Title: Re: Credit Card Car Rental Insurance
Post by: Venilla on February 09, 2016, 08:56:40 AM
In Israel all cards become primary?


Any benefit using csp other than points?
It's still secondary coverage but since your US policy doesn't cover Israel the secondary will be your only option...
In other words. Yes, any card that covers Israel will be primary...
Title: Re: Credit Card Car Rental Insurance
Post by: sammy n on February 09, 2016, 09:13:56 AM

Any paid Chase card. Excluding Freedom and the like which have no annual fee
Whats wrong with the freedom?
Title: Re: Credit Card Car Rental Insurance
Post by: yochiek93 on February 09, 2016, 09:18:36 AM
Whats wrong with the freedom?
3% forex fee
Title: Re: Credit Card Car Rental Insurance
Post by: sammy n on February 09, 2016, 09:19:49 AM

3% forex fee
Yes I know that but it still covers and you don't need to actually use it when returning if no damage.
Title: Re: Credit Card Car Rental Insurance
Post by: yochiek93 on February 09, 2016, 09:21:38 AM
Yes I know that but it still covers and you don't need to actually use it when returning if no damage.
Actually in Israel I found it much harder to switch CCs
Title: Re: Credit Card Car Rental Insurance
Post by: sammy n on February 09, 2016, 09:22:59 AM

Actually in Israel I found it much harder to switch CCs
I haven't. But anyways you can always pay cash.
Title: Re: Credit Card Car Rental Insurance
Post by: Abet rich on February 11, 2016, 07:04:44 AM
Actually in Israel I found it much harder to switch CCs
I tried switching once and the original cc still got charged even though they told me they switched it
Title: Re: Credit Card Car Rental Insurance
Post by: mechayamom on February 19, 2016, 12:55:31 PM
Question on rental car damage reimbursement using Ink Bold in Israel.
Hey there.
Somebody hit my parked car and busted the mirror.
Got all the paperwork and submitted.

Ink Bold will cover all but the assessors fee.
Is that correct?  It is about $100 for that.
Any way to get that fee covered as well?

It was pretty painless except chasing after BUdget for the paperwork. Submitted all the paperwork and a check will be sent.

On another note...Since I still have the Ink Bold, any reason to keep an Ink Plus also?

Thanks
Title: Re: Credit Card Car Rental Insurance
Post by: MoMo22 on February 22, 2016, 03:32:53 PM
Can i use the "Chase south west" card for rental in israel ?
Title: Re: Credit Card Car Rental Insurance
Post by: lifetimedeals on March 06, 2016, 06:15:11 PM
Which card do most people use in Europe? To cover most of it.
Title: Re: Credit Card Car Rental Insurance
Post by: joahr101 on March 07, 2016, 02:05:33 PM
just as a heads up for anyone looking to rent a car in israel from sixt. they would not accept my chase insurance w/o a letter from chase.
Title: Re: Credit Card Car Rental Insurance
Post by: Jack out of the box on March 09, 2016, 07:47:17 PM
I took a car today from Albar (Thrifty) and they made a fuss about dropping the charge for CDW using my Chase BA card together with a letter of coverage from Chase. In the end I lost. Their excuse was something about "card needs to cover all types of insurance otherwise none". Anyone else had similar experience?
Title: Re: Credit Card Car Rental Insurance
Post by: Venilla on March 09, 2016, 07:50:03 PM
I took a car today from Albar (Thrifty) and they made a fuss about dropping the charge for CDW using my Chase BA card together with a letter of coverage from Chase. In the end I lost. Their excuse was something about "card needs to cover all types of insurance otherwise none". Anyone else had similar experience?
I had a car from them and they didn't make me any problems. You just got a horrible rep... You should've walked off.
Title: Re: Credit Card Car Rental Insurance
Post by: Jack out of the box on March 09, 2016, 07:56:17 PM
I had a car from them and they didn't make me any problems. You just got a horrible rep... You should've walked off.
I wish I would have had time. Of course I said that next time I would do my price comparison accordingly. How much is the actual savings for insurance on a Mazda 5?
Title: Re: Credit Card Car Rental Insurance
Post by: sammy n on March 09, 2016, 08:00:57 PM

Can i use the "Chase south west" card for rental in israel ?
Yes.
Title: Re: Credit Card Car Rental Insurance
Post by: gozalim on March 10, 2016, 02:27:12 AM
Rented from Hertz (Canada) - Booked on Amex
They dug up a scratch on windshield and charged me $200 to CC
I opened a case now with Amex, they want some docs from me-gave them.
they want docs from Hertz - hertz gave immediately a bunch of them, but not yet all (e.g fleet utilization log, photo of damage etc.)

Do I have to worry that hertz won't give docs? will amex not cover me then?
Will I need to dispute the charge? (to get them to give docs, or to get back my money) and will that get me blacklisted?

any experience?

(or does this belong in hertz thread?)
Title: Re: Credit Card Car Rental Insurance
Post by: gozalim on March 10, 2016, 02:15:27 PM
Rented from Hertz (Canada) - Booked on Amex
They dug up a scratch on windshield and charged me $200 to CC
I opened a case now with Amex, they want some docs from me-gave them.
they want docs from Hertz - hertz gave immediately a bunch of them, but not yet all (e.g fleet utilization log, photo of damage etc.)

Do I have to worry that hertz won't give docs? will amex not cover me then?
Will I need to dispute the charge? (to get them to give docs, or to get back my money) and will that get me blacklisted?

any experience?

(or does this belong in hertz thread?)
Amex claims dept. suggests that -having paid already- Hertz has no incentive to cooperate. they advise initiating a dispute simply to get the ball rolling.
Is that going to help? should I call hertz 1st? is that going to mean a blacklist regardless?
any experience?
Title: Re: Credit Card Car Rental Insurance
Post by: hide4 on March 11, 2016, 01:38:21 PM
What insurance should I take when renting at hertz with my spg card? I want to be completely insured.
Title: Re: Credit Card Car Rental Insurance
Post by: farvus nisht? on March 12, 2016, 03:15:17 PM
Any recent experience with triton Insurance (citi prestige)?
I faxed them my documents 15 days ago, did not get a response yet, Is that the norm?
Title: Re: Credit Card Car Rental Insurance
Post by: palm tights on March 15, 2016, 05:39:41 AM
I actually have now a rental from hertz in israel and rented it out with my citi aa advantage card and paid extra 10 dollars a day for insurance that i don't have to pay deductible, and i have a big dent on it, will i be covered ?
Title: Re: Credit Card Car Rental Insurance
Post by: sammy n on March 15, 2016, 06:30:08 AM

I actually have now a rental from hertz in israel and rented it out with my citi aa advantage card and paid extra 10 dollars a day for insurance that i don't have to pay deductible, and i have a big dent on it, will i be covered ?
You should be if you paid for the extra insurance.
Title: Re: Credit Card Car Rental Insurance
Post by: gozalim on March 15, 2016, 02:37:59 PM
Amex claims dept. suggests that -having paid already- Hertz has no incentive to cooperate. they advise initiating a dispute simply to get the ball rolling.
Is that going to help? should I call hertz 1st? is that going to mean a blacklist regardless?
any experience?
Am I in the wrong thread with this?
Title: Re: Credit Card Car Rental Insurance
Post by: hide4 on March 17, 2016, 02:46:17 PM
What insurance should I take when renting at hertz with my spg card? I want to be completely insured.
Bump
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on March 17, 2016, 02:49:07 PM
Bump
Amex premium insurance, possibly additional liability depending on your financial situation and personal insurance.
Title: Re: Credit Card Car Rental Insurance
Post by: hide4 on March 17, 2016, 02:53:33 PM
Amex premium insurance, possibly additional liability depending on your financial situation and personal insurance.
TYVM. I shouldn't take any insurance from the rental company? And is this worth it even if I'm renting for just one day?
Are there any places to read up on this?
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on March 17, 2016, 02:55:03 PM
I shouldn't take any insurance from the rental company? And is this worth it even if I'm renting for just one day?
Taking out any damage insurance from the company disqualifies you from the credit card insurance. Do you have personal auto insurance? What kind of car are you renting?
Title: Re: Credit Card Car Rental Insurance
Post by: hide4 on March 17, 2016, 02:56:57 PM
Taking out any insurance from the company disqualifies you from the credit card insurance. Do you have personal auto insurance? What kind of car are you renting?
No personal insurance. Camry or the like.
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on March 17, 2016, 02:58:05 PM
No personal insurance. Camry or the like.
SPG without registering for premium should be fine for LDW.
Title: Re: Credit Card Car Rental Insurance
Post by: hide4 on March 17, 2016, 03:00:36 PM
SPG without registering for premium should be fine for LDW.
Got you. What about if a different car gets damaged? Who covers that?
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on March 17, 2016, 03:22:27 PM
Got you. What about if a different car gets damaged? Who covers that?
That's liability insurance. The rental should come with the state minimum level of coverage for that. You can pay extra for higher coverage. You should make sure to be covered for more than the value of your collectible assets.
Title: Re: Credit Card Car Rental Insurance
Post by: Zevi16 on March 26, 2016, 06:28:00 PM


You should make sure to be covered for more than the value of your collectible assets.
Can you explain that please?
Title: Re: Credit Card Car Rental Insurance
Post by: hocker on April 18, 2016, 01:25:07 AM
Breaking: Citi Cards benefits program will be administered by a new company (Virginia Surety) effective May 15 and will provide CDW coverage in Israel beginning on that date.
Title: Re: Credit Card Car Rental Insurance
Post by: GAM Z. on April 18, 2016, 02:17:03 AM
Breaking: Citi Cards benefits program will be administered by a new company (Virginia Surety) effective May 15 and will provide CDW coverage in Israel beginning on that date.
Will it be primary or secondary?
Title: Re: Credit Card Car Rental Insurance
Post by: ygygold on April 18, 2016, 11:12:02 AM
After reading some of this thread I'm really confused. I'm renting in ORD from National for one day.

Title: Re: Credit Card Car Rental Insurance
Post by: Dr Moose on April 18, 2016, 11:19:10 AM


After reading some of this thread I'm really confused. I'm renting in ORD from National for one day.

  • Do I have to take any insurance besides what my CC offers?
  • Which CC should I use? I have Freedom/Sapphire, Citi AA Advantage, SPG
  • Do I have to pay with the credit card up front in order to covered?

No
Sp
Yes
Title: Re: Credit Card Car Rental Insurance
Post by: ygygold on April 18, 2016, 11:20:07 AM

No
Sp
Yes

Thank you!
Title: Re: Credit Card Car Rental Insurance
Post by: Josef.koney on April 18, 2016, 11:20:16 AM
1 Liabilty isn't covered unless u have ur own, u pay for it or you believe in has a covrage....(if you're using has a...)
2 saphire
3 yes. If there's no damages when u return you could always switch it then
Title: Re: Credit Card Car Rental Insurance
Post by: Josef.koney on April 18, 2016, 11:20:55 AM
Wow Dr moose ur fast
Title: Re: Credit Card Car Rental Insurance
Post by: Emkay on April 18, 2016, 11:38:23 AM
Wow Dr moose ur fast
Yup. Cops are telling him that all the time.
Title: Re: Credit Card Car Rental Insurance
Post by: Dr Moose on April 18, 2016, 11:53:36 AM
Yup. Cops are telling him that all the time.
ROFL
Title: Re: Credit Card Car Rental Insurance
Post by: Josef.koney on April 18, 2016, 12:03:59 PM
Title: Re: Credit Card Car Rental Insurance
Post by: a mirrer on April 20, 2016, 06:47:46 PM
Breaking: Citi Cards benefits program will be administered by a new company (Virginia Surety) effective May 15 and will provide CDW coverage in Israel beginning on that date.
? They already cover Israel now
Title: Re: Credit Card Car Rental Insurance
Post by: @Yehuda on May 03, 2016, 07:39:00 PM
Anyone have experience using a CC for insurance for a camper/RV rental?
Title: Re: Credit Card Car Rental Insurance
Post by: @Yehuda on May 05, 2016, 11:08:05 AM
Anyone have experience using a CC for insurance for a camper/RV rental?
How classic. According to a Chase benefits rep, "cargo vans" are not covered and a camper would fall under the cargo van category. According to an Amex benefits rep, "cargo vans" are covered, but "campers" have their own category and are not covered. The search continues...
Title: Re: Credit Card Car Rental Insurance
Post by: @Yehuda on May 05, 2016, 11:26:04 AM
And it could be that Citi will be the winner... Per rep, "If it has at least 4 wheels and is intended to be driven on public roads, it will be covered." Nothing I saw online from them specified the types of vehicles covered (as opposed to every other bank that listed types of cars excluded). Now just trying to get that in writing.
Title: Re: Credit Card Car Rental Insurance
Post by: yelped on May 05, 2016, 02:39:58 PM
Thanks for the update.
Title: Re: Credit Card Car Rental Insurance
Post by: sky121 on May 05, 2016, 09:14:40 PM
Don't rent cars too often -  Best card to use for rental these days?
Title: Re: Credit Card Car Rental Insurance
Post by: greatdeals on May 08, 2016, 09:52:55 AM
I am a nervous wreck when renting cars
is the $25 amex premium car rental protection
the best option?
Title: Re: Credit Card Car Rental Insurance
Post by: rileywiles23 on May 08, 2016, 10:32:25 AM
Don't rent cars too often -  Best card to use for rental these days?
Sapphire preferred.
Title: Re: Credit Card Car Rental Insurance
Post by: GAM Z. on May 08, 2016, 01:40:02 PM
Sapphire preferred.
What about United Club?
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on May 08, 2016, 01:42:35 PM
What about United Club?
Same thing.
Title: Re: Credit Card Car Rental Insurance
Post by: GAM Z. on May 08, 2016, 01:43:08 PM
Same thing.
Thanks
Title: Re: Credit Card Car Rental Insurance
Post by: mclovin on May 11, 2016, 06:52:45 PM
Does regular amex Plat insurance (not premium) cover if using free day vouchers? (just paying airport fees).
Title: Re: Credit Card Car Rental Insurance
Post by: mclovin on May 11, 2016, 10:19:29 PM
Does regular amex Plat insurance (not premium) cover if using free day vouchers? (just paying airport fees).
what about if i don't hand in the vouchers (hertz) but i reserved with them?
Title: Re: Credit Card Car Rental Insurance
Post by: shalumov on May 16, 2016, 12:25:31 AM
I am planning to rent a car in Israel for about 2 weeks. Is Chase Sapphire still the best car for covering the minivan (or similar car for 7-8 people)? Or any Citi/AMEX cards are better card to use?
Any additional insurance needs to be purchased with rental or CreditCard coverage (CDW/LDW) is all I need?

Thank you
Title: Re: Credit Card Car Rental Insurance
Post by: MLM on May 19, 2016, 02:26:41 PM
I have a rental for next week in Israel from Hertz. Should I use SP or another card? I also have Diners'. Also, do I need a letter.

Thanks
Title: Re: Credit Card Car Rental Insurance
Post by: gozalim on May 30, 2016, 03:23:25 PM
Amex claims dept. suggests that -having paid already- Hertz has no incentive to cooperate. they advise initiating a dispute simply to get the ball rolling.
Is that going to help? should I call hertz 1st? is that going to mean a blacklist regardless?
any experience?
Saga continues here
http://forums.dansdeals.com/index.php?topic=63122.msg1484739#msg1484739
Title: Re: Credit Card Car Rental Insurance
Post by: @Yehuda on June 02, 2016, 10:56:15 AM
CC insurance always says you need to decline any CDW provided by the rental agency. What happens if you don't decline it and you c"v damage the car? How does the CC insurance find out if you declined the CDW?
Title: Re: Credit Card Car Rental Insurance
Post by: gozalim on June 02, 2016, 11:23:46 AM
CC insurance always says you need to decline any CDW provided by the rental agency. What happens if you don't decline it and you c"v damage the car? How does the CC insurance find out if you declined the CDW?
they usually want a copy of the rental agreement
Title: Re: Credit Card Car Rental Insurance
Post by: @Yehuda on June 02, 2016, 11:26:54 AM
they usually want a copy of the rental agreement
Thanks, so in a case where CDW is included automatically, I basically need to convince the agency to add into the agreement that I'm waiving/declining CDW. Maybe I can wait until after the rental and if there's c"v an issue, get them to do that.
Title: Re: Credit Card Car Rental Insurance
Post by: yakov116 on June 02, 2016, 11:34:29 AM
Thanks, so in a case where CDW is included automatically, I basically need to convince the agency to add into the agreement that I'm waiving/declining CDW. Maybe I can wait until after the rental and if there's c"v an issue, get them to do that.
Which compny is "making you" take cdw?
Title: Re: Credit Card Car Rental Insurance
Post by: @Yehuda on June 02, 2016, 12:24:52 PM
Which compny is "making you" take cdw?
Private camper RV company internationally.
Title: Re: Credit Card Car Rental Insurance
Post by: yakov116 on June 02, 2016, 01:20:15 PM
Private camper RV company internationally.
Is it part of their rules?
Title: Re: Credit Card Car Rental Insurance
Post by: gozalim on June 02, 2016, 01:40:04 PM
Thanks, so in a case where CDW is included automatically, I basically need to convince the agency to add into the agreement that I'm waiving/declining CDW. Maybe I can wait until after the rental and if there's c"v an issue, get them to do that.
I've seen some CC (don't remember now which) that specify decline CDW 'where possible' or something like that...
Title: Re: Credit Card Car Rental Insurance
Post by: mendyg on June 16, 2016, 10:51:34 AM
Hi
I have a Bank Of America travel rewards card (visa).Im going on safari in south africa and am renting a car .If I  do not take the rental company's cover will my card cover damages and/or liability?? :-\ According to visas website i will be covered but i am still a bit skeptical about the reliability of their cover ...Please help !
Thanks
Mendy
Title: Re: Credit Card Car Rental Insurance
Post by: greatdeals on June 29, 2016, 11:51:20 AM
which is the best card Amex PRG, United Explorer, or SP?
also is secondary card holder covered same as primary?
is it worth it to get the Amex premium car rental protection?

Title: Re: Credit Card Car Rental Insurance
Post by: marktrump on June 29, 2016, 03:25:01 PM
which is the best card Amex PRG, United Explorer, or SP?
also is secondary card holder covered same as primary?
is it worth it to get the Amex premium car rental protection?
you can use the premium  and pay with a different  cc afterwards  if there  is  no  damage 
Title: Re: Credit Card Car Rental Insurance
Post by: eli1571 on July 05, 2016, 06:49:24 PM
Is the united explorer card the best for car rental insurance ?
Are au's covered as well ?
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on July 05, 2016, 06:50:42 PM
Is the united explorer card the best for car rental insurance ?
Are au's covered as well ?
Up there. Yes (as long as the name of the primary renter is on the card used to cover the rental in its entirety).
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on July 05, 2016, 06:54:02 PM
I just got a letter from the claims processor that the (Jewish) rental company was paid over $7k for my claim. The damage looked to be $500-$750. Should I ask the rental place for a cut?
Title: Re: Credit Card Car Rental Insurance
Post by: B.D.Da'ehu on July 05, 2016, 06:57:01 PM
I just got a letter from the claims processor that the (Jewish) rental company was paid over $7k for my claim. The damage looked to be $500-$750. Should I ask the rental place for a cut?
Holy cow!
Title: Re: Credit Card Car Rental Insurance
Post by: eli1571 on July 05, 2016, 07:09:01 PM


Up there.

What do you mean with this ?
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on July 05, 2016, 07:14:57 PM

What do you mean with this ?
It has primary rental insurance. I don't know what you call the best (Amex premium covers up to 100k and assorted medical benefits and more vehicles than Chase, and Citi supposedly covers anything on four wheels), but it's certainly good, and likely perfect for your needs on a standard sedan or midsized SUV rental.
Title: Re: Credit Card Car Rental Insurance
Post by: eli1571 on July 05, 2016, 07:20:25 PM
It has primary rental insurance. I don't know what you call the best (Amex premium covers up to 100k and assorted medical benefits and more vehicles than Chase, and Citi supposedly covers anything on four wheels), but it's certainly good, and likely perfect for your needs on a standard sedan or midsized SUV rental.
Is the citi AA EXEC card better then the chase united explorer ?
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on July 05, 2016, 07:31:59 PM
Is the citi AA EXEC card better then the chase united explorer ?
I don't think you get primary coverage with the citi executive.
Title: Re: Credit Card Car Rental Insurance
Post by: eli1571 on July 05, 2016, 07:35:04 PM
I don't think you get primary coverage with the citi executive.
It's for a friend that I'm adding as an au that doesn't have a car so there's no other insurance to go to.
Title: Re: Credit Card Car Rental Insurance
Post by: yochiek93 on July 05, 2016, 11:04:12 PM
I just got a letter from the claims processor that the (Jewish) rental company was paid over $7k for my claim. The damage looked to be $500-$750. Should I ask the rental place for a cut?
By all means put them in their place
Title: Re: Credit Card Car Rental Insurance
Post by: Dr Moose on July 05, 2016, 11:11:28 PM
I was once driving my personal vehocle and hit a car from a Jewish car rental company. They claimed from my insurance and from the credit card insurance.

The credit card then tried getting the money from me as reimbursement. I let them know how they just got scammed.
Title: Re: Credit Card Car Rental Insurance
Post by: marktrump on July 06, 2016, 02:52:16 AM
I just got a letter from the claims processor that the (Jewish) rental company was paid over $7k for my claim. The damage looked to be $500-$750. Should I ask the rental place for a cut?
a friend got the same thing the rental place gave him a free month!
Title: Re: Credit Card Car Rental Insurance
Post by: yochiek93 on July 06, 2016, 06:48:54 AM
a friend got the same thing the rental place gave him a free month!
That's not good enough
Title: Re: Credit Card Car Rental Insurance
Post by: greatdeals on July 06, 2016, 07:43:20 AM
does amex premium cover 12 passenger van?
Title: Re: Credit Card Car Rental Insurance
Post by: Dr Moose on July 06, 2016, 07:51:47 AM
does amex premium cover 12 passenger van?
IINM it goes according to the MSRP of the vehicle. Call them to confirm.
Title: Re: Credit Card Car Rental Insurance
Post by: sedge on July 10, 2016, 01:16:02 PM
I'm renting a premium full-sized suv in Maui this August for one week leisure trip.

Trying to decide which card to use for best coverage.

The cards I have and am considering to use based on research so far are:

Chase United Explorer (biz and personal)
Chase Hyatt
Chase Ritz

Citi AA Exec

Amex Pt enrolled in Premium Car Rental Insurance Program

Any suggestions appreciated.
Title: Re: Credit Card Car Rental Insurance
Post by: rng on July 12, 2016, 12:12:38 PM
Planning on renting a car in Israel, I have the Amex everyday card, spg, Amex biz plat, Chase ink, Chase ba, sapphire (not preferred), Chase slate, which card should I use that will waive the cdw and give me insurance coverage?
Title: Re: Credit Card Car Rental Insurance
Post by: yelped on July 12, 2016, 01:12:08 PM
People, please read the thread. The last few pages cycle through the same exact questions. Just read the posts above.
Title: Re: Credit Card Car Rental Insurance
Post by: M on July 18, 2016, 04:58:28 AM
I just called to check with Chase the British Airways card does give you CDW coverage in Israel. Can someone else confirm?

I did not see it mentioned in the WIKI.
Title: Re: Credit Card Car Rental Insurance
Post by: sammy n on July 18, 2016, 05:54:10 AM
I just called to check with Chase the British Airways card does give you CDW coverage in Israel. Can someone else confirm?

I did not see it mentioned in the WIKI.
Yes it does.
Title: Re: Credit Card Car Rental Insurance
Post by: marktrump on July 20, 2016, 03:20:35 PM
A friend  is renting  a  car  for  3 month's , is there  any  cc that  covers  that ?
Title: Re: Credit Card Car Rental Insurance
Post by: Z56 on July 20, 2016, 03:24:03 PM
Will ink card cover in isreal ?
Title: Re: Credit Card Car Rental Insurance
Post by: marktrump on July 20, 2016, 03:28:45 PM
Will ink card cover in isreal ?
yes
Title: Re: Credit Card Car Rental Insurance
Post by: Alexsei on July 21, 2016, 11:34:39 AM
When i use a standard credit card with Rental insurance does it cover liability?
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on July 21, 2016, 11:48:17 AM
When i use a standard credit card with Rental insurance does it cover liability?
US credit cards never cover liability.
Title: Re: Credit Card Car Rental Insurance
Post by: chinagel on July 24, 2016, 02:56:16 PM
regular amex insurance is for israel too?
Title: Re: Credit Card Car Rental Insurance
Post by: B.D.Da'ehu on July 24, 2016, 02:57:24 PM
regular amex insurance is for israel too?
Nope. Israel is excluded.
Title: Re: Credit Card Car Rental Insurance
Post by: cholent on July 24, 2016, 03:12:32 PM
Is a letter still required for Israel?
Title: Re: Credit Card Car Rental Insurance
Post by: Emkay on July 24, 2016, 03:19:00 PM
Is a letter still required for Israel?
Haven't heard anyone needing it in the past while.
Title: Re: Credit Card Car Rental Insurance
Post by: JACKBLUE on July 24, 2016, 03:21:09 PM
Is a letter still required for Israel?
they asked me for it about 3 months ago when my car had a scratch
Title: Re: Credit Card Car Rental Insurance
Post by: bznt on July 24, 2016, 05:11:26 PM
Is a letter still required for Israel?

Haven't heard anyone needing it in the past while.
Shlomo sixth asked me for the letter
Title: Re: Credit Card Car Rental Insurance
Post by: Aaaron on August 08, 2016, 07:37:26 PM
Rented a car on Friday from Enterprise with my UA Explorer (Domestic rental).  Someone hit it while it was parked today, but left their info.  I went to return it and Enterprise insisted on calling Geico to report it even though I had the claims department from Chase on the line telling them not to, and they're primary.  Enterprise claims they ONLY deal with the insured direct auto insurance.  What did I do wrong?
Title: Re: Credit Card Car Rental Insurance
Post by: davidd75 on August 09, 2016, 09:16:25 AM
which chase cards provide primary Collision coverage in the US?  all or just the high end ones like chase sapphire preferred; what about the non annual fee mileage Explorer?
Title: Re: Credit Card Car Rental Insurance
Post by: davidd75 on August 10, 2016, 09:23:09 AM
does anybody know the answer to comment above?
Title: Re: Credit Card Car Rental Insurance
Post by: yelped on August 10, 2016, 01:04:18 PM
does anybody know the answer to comment above?
Did you bother trying to read through the last few pages of the thread, instead of making other people take their time to write it out again and clutter up the thread?
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on August 10, 2016, 01:05:18 PM
which chase cards provide primary Collision coverage in the US?  all or just the high end ones like chase sapphire preferred; what about the non annual fee mileage Explorer?
www.google.com

#amazing
Title: Re: Credit Card Car Rental Insurance
Post by: shulem92 on August 10, 2016, 01:12:31 PM
and if u don't have google and no one from the dedicated ddf response team gets back to you within 24 hours, just call the number on the back of your card. (plz keep this method a secret, don't spread it amongst all ur friends)
Title: Re: Credit Card Car Rental Insurance
Post by: davidd75 on August 10, 2016, 01:27:55 PM
and if u don't have google and no one from the dedicated ddf response team gets back to you within 24 hours, just call the number on the back of your card. (plz keep this method a secret, don't spread it amongst all ur friends)

as we all know try avoiding speaking to reps
Title: Re: Credit Card Car Rental Insurance
Post by: davidd75 on August 10, 2016, 01:29:42 PM
www.google.com

#amazing

thanks for the amazing advice however google does not address all issues and most importantly may not have the most recent info
Title: Re: Credit Card Car Rental Insurance
Post by: davidd75 on August 10, 2016, 01:31:52 PM
Did you bother trying to read through the last few pages of the thread, instead of making other people take their time to write it out again and clutter up the thread?

did you bother reading the question in its entirety?  Do the last pages of this thread address whether the non-annual fee version of United Mileage Explorer provides primary CDW insurance?
Title: Re: Credit Card Car Rental Insurance
Post by: yelped on August 10, 2016, 02:23:43 PM
did you bother reading the question in its entirety?  Do the last pages of this thread address whether the non-annual fee version of United Mileage Explorer provides primary CDW insurance?

Well, it doesn't as discussed. Double check the terms on the Chase website.
Title: Re: Credit Card Car Rental Insurance
Post by: davidd75 on August 10, 2016, 04:20:54 PM
Well, it doesn't as discussed. Double check the terms on the Chase website.
discussed where?
Title: Re: Credit Card Car Rental Insurance
Post by: awinner on August 11, 2016, 03:26:48 AM
 Hi there. I've looked over the past few pages and cannot find the answer. I'm leaving to go fly out of Melbourne Australia for one week in November. I have the platinum business American Express card.  It states in the guidelines that this card does not cover rental car coverage in Australia. Which credit cards will cover a car? Should I do the damage waiver?
Title: Re: Credit Card Car Rental Insurance
Post by: elya on August 11, 2016, 08:04:40 AM
Hi there. I've looked over the past few pages and cannot find the answer. I'm leaving to go fly out of Melbourne Australia for one week in November. I have the platinum business American Express card.  It states in the guidelines that this card does not cover rental car coverage in Australia. Which credit cards will cover a car? Should I do the damage waiver?
Chase cards, or Mastercard world cards should cover.
Title: Re: Credit Card Car Rental Insurance
Post by: yoruel on August 16, 2016, 12:36:20 PM
Can someone update the Wiki?
The same questions are being asked over and over.
Title: Re: Credit Card Car Rental Insurance
Post by: Could have been Dan on August 21, 2016, 02:37:15 PM
rented a jeep in Jfk Hertz for the week on points and used freedom for the airport fees. hit a tree, some major damage, can I pay at the end of the rental with a UA card and get the primary insurance to cover instead of my personal policy, or they will see the original freedom on the contract?
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on August 21, 2016, 02:42:30 PM
rented a jeep in Jfk Hertz for the week on points and used freedom for the airport fees. hit a tree, some major damage, can I pay at the end of the rental with a UA card and get the primary insurance to cover instead of my personal policy, or they will see the original freedom on the contract?
It won't help at this point.
Title: Re: Credit Card Car Rental Insurance
Post by: nafnaf12 on August 22, 2016, 07:59:42 PM
Rented a minivan in Vancouver BC returning tomorrow in the US. Used amex platinum didn't add the premium coverage
Any way to add that now?
Or would my car insurance not cover since we started in Canada making the secondary from amex, primary?
Title: Re: Credit Card Car Rental Insurance
Post by: nafnaf12 on August 23, 2016, 03:28:11 AM
Rented a minivan in Vancouver BC returning tomorrow in the US. Used amex platinum didn't add the premium coverage
Any way to add that now?
Or would my car insurance not cover since we started in Canada making the secondary from amex, primary?
couldn't modify the post
Can I use my United club to pay the rental or I won't qualify since I didn't reserve it on this card
Title: Re: Credit Card Car Rental Insurance
Post by: reblen on August 24, 2016, 10:08:55 AM
I just called to check with Chase the British Airways card does give you CDW coverage in Israel. Can someone else confirm?


Yes this (and some other Chase cards) cover CDW, but they still make you purchase liability insurance in addition to that.

I have never seen any way around that.
Title: Re: Credit Card Car Rental Insurance
Post by: ben89 on August 31, 2016, 08:24:27 PM
If i have 3 different amex cards does it make a difference which one i use or does each card have different benefits?
Title: Re: Credit Card Car Rental Insurance
Post by: Dawie on September 01, 2016, 05:10:10 PM
does CSP cover stolen hubcaps?
Title: Re: Credit Card Car Rental Insurance
Post by: skyguy918 on September 01, 2016, 08:27:50 PM
I rented a car 2 weeks ago, and after starting the rental, thought I might need extra coverage and enrolled in Amex Premium Car Rental Protection. It seemed like it didn't go into effect for that rental since the charge had already been authorized earlier (which was fine since I didn't end up needing it). But the really weird part is that when the rental deposit posted on my Amex as a credit, there was an associated $20 credit listed as Premium Rental Car Protection. Anyone ever seen anything like this? (not that I'm complaining :-)
Title: Re: Credit Card Car Rental Insurance
Post by: Hidden on November 21, 2016, 03:37:49 AM
I rented a car on Israel using Chase csp, damaged the car, and the charge is more than my credit limit.
The rentals company said they tried to charge and it was declined.
I called Chase and they offered to make a cli.
What are my options?
Title: Re: Credit Card Car Rental Insurance
Post by: CZ60 on November 21, 2016, 04:35:51 PM
I posted this on the hertz master thread but i believe it belongs here ...

I bought a certificate from someone on DDF for a premium car and used it for a rental in Orlando. When I returned the car, we had some dispute about the gas charges. I went to CS and they were able to waive the fuel charges. While doing so, she waived the other fees as well (motor vehicle fee, energy surcharge , etc.) So my total bill was $0. I was going to use my CSP for the taxes and fees.

The problem is, they found a scratch on the car and made me file a report indicating so. Since I didn't end up paying anything on the rental car at all. I tried calling back to get them to charge me the taxes and fees so that I can be covered with primary rental insurance from CSP but they refuse saying the bill has already been settled and there's nothing they can do.

Anybody have any ideas? Am I screwed?

UPDATE - I was able to get them to charge me the taxes and fees (~$7). If you need/want to know how, PM me. It may end up saving me hundreds of dollars.
Title: Re: Credit Card Car Rental Insurance
Post by: Hidden on November 21, 2016, 04:46:47 PM
I rented a car on Israel using Chase csp, damaged the car, and the charge is more than my credit limit.
The rentals company said they tried to charge and it was declined.
I called Chase and they offered to make a cli.
What are my options?
BUMP
Title: Re: Credit Card Car Rental Insurance
Post by: nafnaf12 on November 23, 2016, 02:45:42 PM
Rented a minivan in Vancouver BC returned in the US. Used amex platinum didn't add the premium coverage
 
Date of Loss : 08/23/2016 Balance Due : $1,295.64
NATIONAL CAR RENTAL
CANADA DAMAGE RECOVERY

my question is what can i tell amex to get them to cover me as a primary.
Title: Re: Credit Card Car Rental Insurance
Post by: JFEADV on November 27, 2016, 09:58:05 AM
AMEX premium will charge $24.95 per rental and they cover: do they cover israel because annex usually does not cover in israel
Title: Re: Credit Card Car Rental Insurance
Post by: yelped on November 27, 2016, 10:02:34 AM
AMEX premium will charge $24.95 per rental and they cover: do they cover israel because annex usually does not cover in israel
It specifies clearly that it does NOT cover Israel.
Title: Re: Credit Card Car Rental Insurance
Post by: nafnaf12 on November 27, 2016, 12:20:11 PM
Rented a minivan in Vancouver BC returned in the US. Used amex platinum didn't add the premium coverage
 
Date of Loss : 08/23/2016 Balance Due : $1,295.64
NATIONAL CAR RENTAL
CANADA DAMAGE RECOVERY

my question is what can i tell amex to get them to cover me as a primary.
bump
Title: Re: Credit Card Car Rental Insurance
Post by: Aaaron on December 06, 2016, 09:38:52 PM
Does anyone know if any credit card will cover a rented snowmobile?
Title: Re: Credit Card Car Rental Insurance
Post by: a mirrer on December 08, 2016, 07:05:41 AM
bump
does your regular insurance cover canada?
Title: Re: Credit Card Car Rental Insurance
Post by: nafnaf12 on December 08, 2016, 10:00:42 AM
does your regular insurance cover canada?
no
Title: Re: Credit Card Car Rental Insurance
Post by: sammy n on December 27, 2016, 09:51:33 AM
How's the Barclay Arrival card with rental insurance?
Title: Re: Credit Card Car Rental Insurance
Post by: aarondeutsch95 on January 16, 2017, 11:27:19 PM
I have a GEICO policy for just liability. I also have the Freedom Unlimited and Amex Everyday card currently. Am i covered for Hertz like this?
Title: Re: Credit Card Car Rental Insurance
Post by: chinagel on January 16, 2017, 11:40:57 PM
I have a GEICO policy for just liability. I also have the Freedom Unlimited and Amex Everyday card currently. Am i covered for Hertz like this?
cc covers collision so ur good
Title: Re: Credit Card Car Rental Insurance
Post by: aarondeutsch95 on January 16, 2017, 11:44:50 PM
cc covers collision so ur good

The AMEX does? And does my regular GEICO policy automatically cover?
Title: Re: Credit Card Car Rental Insurance
Post by: chinagel on January 16, 2017, 11:48:33 PM
The AMEX does? And does my regular GEICO policy automatically cover?
yes and 99% sure yes
Title: Re: Credit Card Car Rental Insurance
Post by: aarondeutsch95 on January 16, 2017, 11:55:11 PM
yes and 99% sure yes

Ok. I f I have another USAA member drive my car without making them an additional driver on rental, do they also get covered on that? Or if anything CH"V happens can they use their own insurance?


Also if they are also on the reservation as an additional driver, can they use their own policy to cover anything?
Title: Re: Credit Card Car Rental Insurance
Post by: chinagel on January 17, 2017, 12:05:03 AM
Ok. I f I have another USAA member drive my car without making them an additional driver on rental, do they also get covered on that? Or if anything CH"V happens can they use their own insurance?


Also if they are also on the reservation as an additional driver, can they use their own policy to cover anything?
i think u can always use your own policy on liability, on collision if theyre not on the contract idk if their own insurance covers
Title: Re: Credit Card Car Rental Insurance
Post by: amx on January 19, 2017, 09:11:31 PM
Any help would be appreciated Which cc should i use for a silvercar rental? I have, chase- csp, ritz, freedom. amex- personal plat business plat, prg,spg. TIA
Title: Re: Credit Card Car Rental Insurance
Post by: theblakdavid on January 19, 2017, 09:15:28 PM
Weird question. I rented a silvercar in the summer on my united, and got into fender bender. I open a case with visa and send them all necessary documents. Silvercar just emailed me that they collected 7k from Geico, and visa is only offering them $300. They want to know where they should get the remainder from. Am I missing something? Why did they go to Geico before visa if they are primary? And isn't the point of insurance that they take care of the damage? Are they even  allowed to collect money from two insurances? And most importantly, what do I do now? Tia
Title: Re: Credit Card Car Rental Insurance
Post by: montri all on January 22, 2017, 11:23:33 AM
I have a coupon for a free day with advantage rent a car. Does that also include insurance?
If not, how can I get it covered on my CC?
Title: Re: Credit Card Car Rental Insurance
Post by: theblakdavid on January 22, 2017, 01:35:42 PM
Weird question. I rented a silvercar in the summer on my united, and got into fender bender. I open a case with visa and send them all necessary documents. Silvercar just emailed me that they collected 7k from Geico, and visa is only offering them $300. They want to know where they should get the remainder from. Am I missing something? Why did they go to Geico before visa if they are primary? And isn't the point of insurance that they take care of the damage? Are they even  allowed to collect money from two insurances? And most importantly, what do I do now? Tia
Bump
Title: Re: Credit Card Car Rental Insurance
Post by: Ryan the Yid on January 23, 2017, 12:58:59 AM
The AMEX does? And does my regular GEICO policy automatically cover?

Most primary insurance companies do. They try to sell you theirs because in case of an accident your premiums will not go up but the truth is it is just simpler for them.
Title: Re: Credit Card Car Rental Insurance
Post by: Ryan the Yid on January 23, 2017, 01:02:17 AM
Weird question. I rented a silvercar in the summer on my united, and got into fender bender. I open a case with visa and send them all necessary documents. Silvercar just emailed me that they collected 7k from Geico, and visa is only offering them $300. They want to know where they should get the remainder from. Am I missing something? Why did they go to Geico before visa if they are primary? And isn't the point of insurance that they take care of the damage? Are they even  allowed to collect money from two insurances? And most importantly, what do I do now? Tia

CC does not become your primary for liability
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on January 23, 2017, 01:04:29 AM
I have a coupon for a free day with advantage rent a car. Does that also include insurance?
If not, how can I get it covered on my CC?
1. No
2. You can't unless you pay something
Title: Re: Credit Card Car Rental Insurance
Post by: theblakdavid on January 23, 2017, 01:06:31 AM
CC does not become your primary for liability
I am talking about damage to the rental car
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on January 23, 2017, 01:07:27 AM
CC does not become your primary for liability
CSR does
Title: Re: Credit Card Car Rental Insurance
Post by: Yarhead on January 23, 2017, 04:44:22 PM
CSR does

Ryan, thanks! If I use the CSR to rent at, say, Budget or Alamo at TLV, does that mean I don't need to buy their Liability Insurance? I read that they usually force folks with CC waivers of CDW/TP to pay for LI.
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on January 23, 2017, 04:53:03 PM
Ryan, thanks! If I use the CSR to rent at, say, Budget or Alamo at TLV, does that mean I don't need to buy their Liability Insurance? I read that they usually force folks with CC waivers of CDW/TP to pay for LI.
No. Credit cards don't cover liability.

Title: Re: Credit Card Car Rental Insurance
Post by: Danlover111 on January 23, 2017, 06:58:22 PM
Ryan, thanks! If I use the CSR to rent at, say, Budget or Alamo at TLV, does that mean I don't need to buy their Liability Insurance? I read that they usually force folks with CC waivers of CDW/TP to pay for LI.
why don't you take a look in the wiki
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on January 23, 2017, 07:45:27 PM
why don't you take a look in the wiki
And it's on the first line...
Title: Re: Credit Card Car Rental Insurance
Post by: yitzyul on February 02, 2017, 03:53:12 PM
Does CSR cover other "premium" rentals not mentioned in the WIKI, such as Mercedes C class, BMW 3 or Audi?
Title: Re: Credit Card Car Rental Insurance
Post by: m.m. on February 13, 2017, 07:40:20 AM
cost aside, what insurance is better/easy to deal with, amex Premium, or chase primary?
thanks
Title: Re: Credit Card Car Rental Insurance
Post by: m.m. on February 13, 2017, 11:06:16 AM
cost aside, what insurance is better/easy to deal with, amex Premium, or chase primary?
thanks
chase from the ritz card
Title: Re: Credit Card Car Rental Insurance
Post by: 3yummyboys on February 20, 2017, 05:09:46 PM
Rented in LA and we scratched a car while parking.  We have a police report. When I picked up the car (hertz gold) they said we can change the CC when we return the car. Right now they have my Amex plat. What's the best way to proceed? Can I change to Sapphire Preferred? How do I make a claim?
Title: Re: Credit Card Car Rental Insurance
Post by: mmgfarb on February 20, 2017, 05:15:43 PM
Rented in LA and we scratched a car while parking.  We have a police report. When I picked up the car (hertz gold) they said we can change the CC when we return the car. Right now they have my Amex plat. What's the best way to proceed? Can I change to Sapphire Preferred? How do I make a claim?
Yes, just tell them you need to change the CC when you go to return the car. Call chase to file a claim.
Title: Re: Credit Card Car Rental Insurance
Post by: 3yummyboys on February 21, 2017, 10:40:05 AM
Yes, just tell them you need to change the CC when you go to return the car. Call chase to file a claim.

Thanks. This won't go through my primary insurance at all, correct?
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on February 21, 2017, 11:28:11 AM
Thanks. This won't go through my primary insurance at all, correct?
With CSP, correct
Title: Re: Credit Card Car Rental Insurance
Post by: mmgfarb on February 21, 2017, 12:06:44 PM
Thanks. This won't go through my primary insurance at all, correct?
Assuming you declined LDW.
Title: Re: Credit Card Car Rental Insurance
Post by: 3yummyboys on February 24, 2017, 11:00:39 AM
CSP does not cover damage to the other car. Should I file with hertz? Is there something about no liability coverage in CA?
Advice would be appreciated! The car we scratched was a porshe and I don't want to have to pay for it!
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on February 24, 2017, 12:03:03 PM
CSP does not cover damage to the other car. Should I file with hertz? Is there something about no liability coverage in CA?
Advice would be appreciated! The car we scratched was a porshe and I don't want to have to pay for it!
If renting in California:

 

Hertz provides no liability protection under the terms of the Rental Agreement to the renter from claims of injury by others against you resulting from an accident. Your personal/business insurance may cover your liability. Exceptions: Hertz will provide primary liability protection up to the statutory minimum limits to international customers (driver's license indicates an address outside the USA) renting in California. Please also refer to Liability Insurance Supplement (LIS) below



I don't understand how this is possible. If someone has no insurance, how can they drive a vehicle in CA?
Title: Re: Credit Card Car Rental Insurance
Post by: Amusch on February 27, 2017, 07:40:10 PM
Question:

I rented a car two weeks ago in South Fla from Alamo. I got the rental at night and didn't think to examine the car. Later in the week, I noticed some orange paint on the car (I believe it's called highway paint) with was possibly my doing. When I returned the car, they said nothing. Now I got a letter in the mail that they want me to pay. If necessary, I did pay for the rental on the Reserve; however, I believe that if they took it back without a word, they can't come crying back two weeks later. Maybe they ruined it after it left my hands. I'm really not sure whether or not I am responsible for the paint but I believe I shouldn't have to pay at this point anyway. Any thoughts or experiences?

Thanks.
Title: Re: Credit Card Car Rental Insurance
Post by: shulem92 on February 27, 2017, 07:43:13 PM
Question:

I rented a car two weeks ago in South Fla from Alamo. I got the rental at night and didn't think to examine the car. Later in the week, I noticed some orange paint on the car (I believe it's called highway paint) with was possibly my doing. When I returned the car, they said nothing. Now I got a letter in the mail that they want me to pay. If necessary, I did pay for the rental on the Reserve; however, I believe that if they took it back without a word, they can't come crying back two weeks later. Maybe they ruined it after it left my hands. I'm really not sure whether or not I am responsible for the paint but I believe I shouldn't have to pay at this point anyway. Any thoughts or experiences?

Thanks.
CMIIW, but I think its your responsibility to make sure that they sign off that there was no damage done
Title: Re: Credit Card Car Rental Insurance
Post by: Amusch on February 27, 2017, 07:53:00 PM
CMIIW, but I think its your responsibility to make sure that they sign off that there was no damage done


I don't get it. It was my fault for not having them sign off when the car left the station but isn't it their fault for not signing off on damage when the car went into the station? I'm only finding out about this by snail mail I received today from Alamo.
Title: Re: Credit Card Car Rental Insurance
Post by: shulem92 on February 27, 2017, 08:05:17 PM
I don't get it. It was my fault for not having them sign off when the car left the station but isn't it their fault for not signing off on damage when the car went into the station? I'm only finding out about this by snail mail I received today from Alamo.
I'm only saying that from experience in places where they are makpid on every scratch, you have to make sure that they sign off that there was no damage done. For example in Israel. It could be that you have a valid point to argue with them, I just believe that the responsibility is on you to prove it
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on February 28, 2017, 04:44:42 AM
I'm only saying that from experience in places where they are makpid on every scratch, you have to make sure that they sign off that there was no damage done. For example in Israel. It could be that you have a valid point to argue with them, I just believe that the responsibility is on you to prove it
I actually don't see how they can charge you once they closed the rental agreement.
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on February 28, 2017, 05:53:22 AM
Yes, just tell them you need to change the CC when you go to return the car. Call chase to file a claim.
Chase may refuse to cover if you didn't use the Chase card at time of rental.
Title: Re: Credit Card Car Rental Insurance
Post by: Amusch on February 28, 2017, 10:20:24 AM
Chase may refuse to cover if you didn't use the Chase card at time of rental.

I did use it at time of rental.

I actually don't see how they can charge you once they closed the rental agreement.

That's what I was thinking. Once they close it and charge the card, for all I know, they drove it into a wall and are charging me....
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on February 28, 2017, 10:42:45 AM
I did use it at time of rental.

That's what I was thinking. Once they close it and charge the card, for all I know, they drove it into a wall and are charging me....
Did you call them?
Title: Re: Credit Card Car Rental Insurance
Post by: shulem92 on February 28, 2017, 11:07:16 AM
I did use it at time of rental.

That's what I was thinking. Once they close it and charge the card, for all I know, they drove it into a wall and are charging me....
Did they actually close it out? Or it was at night, so they just scanned it into the lot?
Title: Re: Credit Card Car Rental Insurance
Post by: Amusch on February 28, 2017, 01:24:45 PM
Did they actually close it out? Or it was at night, so they just scanned it into the lot?

I haven't had a chance to call them because I just got the letter last night (and today, apparently they have the same lunch break that I do). As far as I know it was closed out. It was not night time and it seemed the guy turned the keys to check the gas and stuff.
Title: Re: Credit Card Car Rental Insurance
Post by: Abet rich on March 02, 2017, 11:04:15 AM
I'm only saying that from experience in places where they are makpid on every scratch, you have to make sure that they sign off that there was no damage done. For example in Israel. It could be that you have a valid point to argue with them, I just believe that the responsibility is on you to prove it
Please don't compare American rentals to Israeli. It is very different to say the least .....
Title: Re: Credit Card Car Rental Insurance
Post by: Amusch on March 08, 2017, 10:55:24 AM
Question:

I rented a car two weeks ago in South Fla from Alamo. I got the rental at night and didn't think to examine the car. Later in the week, I noticed some orange paint on the car (I believe it's called highway paint) with was possibly my doing. When I returned the car, they said nothing. Now I got a letter in the mail that they want me to pay. If necessary, I did pay for the rental on the Reserve; however, I believe that if they took it back without a word, they can't come crying back two weeks later. Maybe they ruined it after it left my hands. I'm really not sure whether or not I am responsible for the paint but I believe I shouldn't have to pay at this point anyway. Any thoughts or experiences?

Thanks.

ENDING: I called, got transferred around, spoke to nice rep who explained that the damage was reported 3 hours after return, and it's really on me to check the car on the way in AND on the way out, call right away if I noticed anything, etc. And as a reward for listening to her "shpiel" she will waive it "this one time."  :)
Title: Re: Credit Card Car Rental Insurance
Post by: shulem92 on March 09, 2017, 11:11:44 AM
is there any way to file with chase if the initial hold wasn't on the card? does chase freedom or ink cover primary or secondary when abroad?
Title: Re: Credit Card Car Rental Insurance
Post by: Yehuda25 on March 14, 2017, 12:31:03 PM
Please don't compare American rentals to Israeli. It is very different to say the least .....
correct. Day and night difference
Title: Re: Credit Card Car Rental Insurance
Post by: aarondeutsch95 on March 15, 2017, 03:31:40 PM
Is it true rental companies (hertz specifically) covers liability to the state minimum?
Title: Re: Credit Card Car Rental Insurance
Post by: m.m. on March 21, 2017, 04:51:23 PM
i rented for a week from hertz, upgrade from Camry to Prius v since im pres. circle, their washer was down, so it was dirty, when i returned it they cleaned it, and said i scratched it, didn't hit/scratch anything.
i prepared with amex which has premium insurance, but on my profile i have a Ritz, which the remainder was charged too.
who do i file with?
and what do i need?
Title: Re: Credit Card Car Rental Insurance
Post by: m.m. on March 24, 2017, 01:05:37 PM
i rented for a week from hertz, upgrade from Camry to Prius v since im pres. circle, their washer was down, so it was dirty, when i returned it they cleaned it, and said i scratched it, didn't hit/scratch anything.
i prepared with amex which has premium insurance, but on my profile i have a Ritz, which the remainder was charged too.
who do i file with?
and what do i need?
bump
Title: Re: Credit Card Car Rental Insurance
Post by: Mutty on March 28, 2017, 11:01:12 AM
So I got the sapphire reserve and used it for a rental while my car was being repaired. Enterprise claimed there was damage to the car which was there before. Couldn't win. So I called the Sapphire folks (who told me originally they cover it all) and got the forms to fill out. I called this morning asking why they need my insurance info if they cover it. The guy tells me they're only secondary. I said what's the point if I'll get messed up and maybe my insurance will go up. They also told me that it is covered. This guy says it's not true. In NY State they have to be secondary. Just wanted you all to know.
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on March 28, 2017, 11:18:40 AM
So I got the sapphire reserve and used it for a rental while my car was being repaired. Enterprise claimed there was damage to the car which was there before. Couldn't win. So I called the Sapphire folks (who told me originally they cover it all) and got the forms to fill out. I called this morning asking why they need my insurance info if they cover it. The guy tells me they're only secondary. I said what's the point if I'll get messed up and maybe my insurance will go up. They also told me that it is covered. This guy says it's not true. In NY State they have to be secondary. Just wanted you all to know.
Found this.

http://saverocity.com/travel/will-the-chase-sapphire-preferred-really-cover-your-car-rental/

Can anyone verify if it's true?
Title: Re: Credit Card Car Rental Insurance
Post by: Mutty on March 28, 2017, 12:35:36 PM
Found this.

http://saverocity.com/travel/will-the-chase-sapphire-preferred-really-cover-your-car-rental/

Can anyone verify if it's true?
So it sounds like it's true. This coverage thing is a fake. It's nice to have if you never use it! How about the AMEX card that has a $25 fee that supposedly covers you. Would that be fake too?
Title: Re: Credit Card Car Rental Insurance
Post by: Bullmacher1 on March 30, 2017, 12:57:15 PM
Is this only a NY state issue or are others excluded from primary as well?
Title: Re: Credit Card Car Rental Insurance
Post by: Mutty on March 30, 2017, 12:59:46 PM
Is this only a NY state issue or are others excluded from primary as well?
The guy from the credit card told me New York State. Whatever that means. Really upsetting because they originally told me "no problem". That's when you have to start worrying.
Title: Re: Credit Card Car Rental Insurance
Post by: Avrum on April 09, 2017, 10:42:51 PM
I rented a minivan in Israel using Chase sapphire preferred.

I crashed and caused major damage to the car.

I paid in full out of pocket and started a claim.

I sent in all the documents to Chase, they say they have all the documents they need, claim has been pending for over four month, when I call them they say it is now by the underwriters review and I should get an answer soon. It had been by the underwriters for the past month and a half with no end in sight. There is no way to contact the underwriters.

Any ideas? Experiences? Should I get a lawyer? BBB?

Any help will be greatly appreciated.

Title: Re: Credit Card Car Rental Insurance
Post by: m.m. on May 01, 2017, 06:51:47 PM
would chase reserve insurance cover a rental which 95% was paid with a voucher?
Title: Re: Credit Card Car Rental Insurance
Post by: Avrum on May 16, 2017, 11:28:12 PM
I rented a minivan in Israel using Chase sapphire preferred.

I crashed and caused major damage to the car.

I paid in full out of pocket and started a claim.

I sent in all the documents to Chase, they say they have all the documents they need, claim has been pending for over four month, when I call them they say it is now by the underwriters review and I should get an answer soon. It had been by the underwriters for the past month and a half with no end in sight. There is no way to contact the underwriters.

Any ideas? Experiences? Should I get a lawyer? BBB?

Any help will be greatly appreciated.

update

got paid in full b"h last week without doing anything
Title: Re: Credit Card Car Rental Insurance
Post by: yelped on May 17, 2017, 11:31:05 AM
BH
Title: Re: Credit Card Car Rental Insurance
Post by: B.D.Da'ehu on May 17, 2017, 01:14:05 PM
update

got paid in full b"h last week without doing anything
I also had to wait about 7 months until i got reimbursed..though i only had a few hundred dollars on the line. Chase benefits keeps trying to get in touch with the Israeli car rental agency and it's hard to have success with that ::)
Title: Re: Credit Card Car Rental Insurance
Post by: luckyluck on June 08, 2017, 11:15:04 PM
Some Hertz corporate rates have mandatory CDW that you cannot decline. Which means that Chase and Mastercard credit cards will not cover, and renter will be responsible for deductible.
But I noticed that Amex does cover you if you only accepted "partial collision damage waiver". Does that mean that they will cover the deductible?
Title: Re: Credit Card Car Rental Insurance
Post by: Mendy28 on June 13, 2017, 08:39:27 PM
Hi.  Anyone can help me figure out the differences between car rental insurance with AMEX everyday card vs visa signature and the difference between coverage that those cards would offer a primary card holder vs an authorized user
Title: Re: Credit Card Car Rental Insurance
Post by: greatdeals on June 18, 2017, 09:12:01 AM
is chase sapphire reserve the best card to use in Israel?
how do I get a letter from Chase saying they cover in Israel?
Title: Re: Credit Card Car Rental Insurance
Post by: JACKBLUE on June 18, 2017, 11:27:59 PM

how do I get a letter from Chase saying they cover in Israel?
PUTAC
Title: Re: Credit Card Car Rental Insurance
Post by: Ddrill on June 20, 2017, 05:05:40 PM
when renting a car with the usaa code showed here will I need to show them proof that it belongs to me?
Title: Re: Credit Card Car Rental Insurance
Post by: MBC on June 27, 2017, 04:58:02 PM
I returned a National rental with damage. I got a bill in the mail and I paid right away.

I then proceeded to open a claim with citi (the cc i used), but they wouldn't pay one specific charge: diminishment of value.

So I asked National to waive that particular charge, but they said because I paid already and the case was closed, they can't reopen it and refund me. Otherwise they would've waived it.

Most credit cards don't cover diminished value so before paying make sure to negotiate.
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on June 27, 2017, 05:47:16 PM


I returned a National rental with damage. I got a bill in the mail and I paid right away.

I then proceeded to open a claim with citi (the cc i used), but they wouldn't pay one specific charge: diminishment of value.

So I asked National to waive that particular charge, but they said because I paid already and the case was closed, they can't reopen it and refund me. Otherwise they would've waived it.

Most credit cards don't cover diminished value so before paying make sure to negotiate.


Ouch.

Is this the case for Amex plat and CSR?
Title: Re: Credit Card Car Rental Insurance
Post by: skyguy918 on June 27, 2017, 08:18:00 PM
I returned a National rental with damage. I got a bill in the mail and I paid right away.

I then proceeded to open a claim with citi (the cc i used), but they wouldn't pay one specific charge: diminishment of value.

So I asked National to waive that particular charge, but they said because I paid already and the case was closed, they can't reopen it and refund me. Otherwise they would've waived it.

Most credit cards don't cover diminished value so before paying make sure to negotiate.
How much was it?
Title: Re: Credit Card Car Rental Insurance
Post by: MBC on June 27, 2017, 09:42:17 PM
Damage + loss of use was around $3400, diminished value was around $300
Title: Re: Credit Card Car Rental Insurance
Post by: Scmcodes on June 28, 2017, 12:52:29 PM
any reason to pay the amex $25 if I have the ink plus card?
Title: Re: Credit Card Car Rental Insurance
Post by: talmid chuchem on July 09, 2017, 01:52:54 AM
Took a rental from Hertz with amex plat (used the %20 off CDP), amex claims that I need a police report to get insurance coverage even for scratches. Can anyone comment on their experience with them?
Title: Re: Credit Card Car Rental Insurance
Post by: Danlover111 on July 09, 2017, 11:51:48 PM
Took a rental from Hertz with amex plat (used the %20 off CDP), amex claims that I need a police report to get insurance coverage even for scratches. Can anyone comment on their experience with them?
i filled a claim with them with out a police report, and it was a lot more than scratches
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on July 10, 2017, 12:25:29 AM
Took a rental from Hertz with amex plat (used the %20 off CDP), amex claims that I need a police report to get insurance coverage even for scratches. Can anyone comment on their experience with them?
Makes no sense. Filed many claims over the years, that's a first.
Title: Re: Credit Card Car Rental Insurance
Post by: Sam Finkelstein on July 10, 2017, 07:15:54 PM
How does Amex secondary coverage work for someone without his own insurance?
Title: Re: Credit Card Car Rental Insurance
Post by: nafnaf12 on July 15, 2017, 02:49:23 PM
How does Amex secondary coverage work for someone without his own insurance?
it doesn't lol, i think if your insurance isn't willing to cover or completely covered, then amex steps in.

Does SPG cover in Israel? Also for AU?
Title: Re: Credit Card Car Rental Insurance
Post by: E-MAN on July 17, 2017, 04:24:38 PM
Is a letter from Chase still required when renting in TLV? Using CSR. Thanks
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on July 17, 2017, 04:29:14 PM
No
Title: Re: Credit Card Car Rental Insurance
Post by: aporush82 on July 18, 2017, 01:41:29 AM
Does anyone know if renting a car under a Business card which offers Primary (such as the Business Inks or Capitol One Sparks) covers CDW if the rental is booked as leisure? Additionally, is there any negative impact if the rental is booked as a business trip even though it isn't?
Title: Re: Credit Card Car Rental Insurance
Post by: Platinum on July 21, 2017, 02:18:17 AM
Rented a car with ink had a suit case stolen from card. It looks like ink doesn't cover personal property. Can I pay with my Amex to get Amex premium coverage or does the car need to have been rented with the amex?
Title: Re: Credit Card Car Rental Insurance
Post by: JACKBLUE on July 21, 2017, 01:24:00 PM
So credit cards don't cover liability only CDW. Now when I rent a car and I decline all insurance does the rental companies have liability on their cars?
Title: Re: Credit Card Car Rental Insurance
Post by: JACKBLUE on July 23, 2017, 02:38:18 PM
So credit cards don't cover liability only CDW. Now when I rent a car and I decline all insurance does the rental companies have liability on their cars?
bump
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on July 23, 2017, 02:59:30 PM
bump
The rental company is required to have the min State liability coverage built-in to put the car on the rd. I've heard that some states don't need, to me it makes no sense but YMMW.
Title: Re: Credit Card Car Rental Insurance
Post by: JACKBLUE on July 23, 2017, 04:01:50 PM
The rental company is required to have the min State liability coverage built-in to put the car on the rd. I've heard that some states don't need, to me it makes no sense but YMMW.
thanks! That what I heard just wanted to confirm?
Title: Re: Credit Card Car Rental Insurance
Post by: schneury on July 23, 2017, 10:45:00 PM
If you decline liability, could the rental company charge a very high deductible?
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on July 23, 2017, 10:58:34 PM
If you decline liability, could the rental company charge a very high deductible?
They are responsible for liability I don't see how they can charge you. I've had 1 incident in Pennsylvania with Avis and paid nothing.
Title: Re: Credit Card Car Rental Insurance
Post by: schneury on July 24, 2017, 08:32:10 AM
They are responsible for liability I don't see how they can charge you. I've had 1 incident in Pennsylvania with Avis and paid nothing.
with personal car insurance there is a deductible, most people take $500-$1000. What's stopping the rental company from passing on that deductible, whatever amount they choose to the renter?
Title: Re: Credit Card Car Rental Insurance
Post by: David Smith on July 24, 2017, 08:34:52 AM
with personal car insurance there is a deductible, most people take $500-$1000. What's stopping the rental company from passing on that deductible, whatever amount they choose to the renter?
There is no deductible on liability, even with personal auto coverage. You're getting confused with comprehensive.
Title: Re: Credit Card Car Rental Insurance
Post by: Yeah on July 31, 2017, 03:38:47 PM
Does anyone know where I could buy my own car insurance for a short term rental? (4 days) I searched all over the place the only thing I found to buy was cdw\ldw but that the cc already covers (BOA) but couldnt find to buy liability, anyone has experience with such a thing?
Thanks
Title: Re: Credit Card Car Rental Insurance
Post by: modechai on August 15, 2017, 02:43:28 PM
From the wiki.  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. Is this only for amex premium insurance or regular too?
Title: Re: Credit Card Car Rental Insurance
Post by: mekler on August 22, 2017, 03:06:35 PM
I rented a zipvan cargo to shlep out my packages. Made accident with a deer. Zipcar has a $1000 deductible. MasterCard denies to cover it, since it's a cargo van.

Any idea what I can do? Do I really must pay it, or they will just forget it? (They have very much on their head to remember...

In addition, zipcar closed my account permanently. This is really not fair, since it was absolutely not my fault

????
Title: Re: Credit Card Car Rental Insurance
Post by: mekler on September 12, 2017, 12:14:31 AM
Any suggestion if I can fight the $1000 deductible on the basis that some charges or incorrect. (Like they charged for towing $500, with the pickup location 50 miles from the actual location)
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on September 12, 2017, 01:20:48 AM
Any suggestion if I can fight the $1000 deductible on the basis that some charges or incorrect. (Like they charged for towing $500, with the pickup location 50 miles from the actual location)
The car rental charged you for towing?
Title: Re: Credit Card Car Rental Insurance
Post by: mekler on September 12, 2017, 10:04:41 AM
The car rental charged you for towing?
Avis - who appears to handle the repairs for zipcar - sent a bill of $8000, including towing,  to sedgwick - a claims management company - who forwarded it to me with the $1000 charge, with the rest covered by zip car's insurance.

The charges seems very inflated, I think that if I would do it on my own it would cost me only $1,000. But for me it doesn't make a difference.
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on September 12, 2017, 11:36:23 AM
Avis - who appears to handle the repairs for zipcar - sent a bill of $8000, including towing,  to sedgwick - a claims management company - who forwarded it to me with the $1000 charge, with the rest covered by zip car's insurance.

The charges seems very inflated, I think that if I would do it on my own it would cost me only $1,000. But for me it doesn't make a difference.
Was never charged anything. Of course I got the bill but It was always covered, I don't remember by whom
Title: Re: Credit Card Car Rental Insurance
Post by: mekler on September 12, 2017, 03:22:32 PM
Was never charged anything. Of course I got the bill but It was always covered, I don't remember by whom
Maybe you purchased extra coverage, or maybe your credit card. My Mastercard denied to pay because it's a cargo van
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on September 12, 2017, 04:47:49 PM
Maybe you purchased extra coverage, or maybe your credit card. My Mastercard denied to pay because it's a cargo van
I never purchased any additional coverage. It's been a while back so I don't remember what cc i used
Title: Re: Credit Card Car Rental Insurance
Post by: bookwrm on September 28, 2017, 12:00:42 AM
Will amex auto coverage cover my rental if only the taxes are charged to my cc (used the spg).

The story in a nutshell: have a rental that my insurance is paying for while my car is being fixed. last night a motorcyclist hit my card and sped off. I felt the collision but didn't notice anything else (it was dark). checked my car this morning and noticed that the passenger side mirror cover is gone.

Any advice would be awesome, car is being returned Friday (in theory).
Title: Re: Credit Card Car Rental Insurance
Post by: m.m. on September 29, 2017, 09:30:15 AM
Will amex auto coverage cover my rental if only the taxes are charged to my cc (used the spg).

The story in a nutshell: have a rental that my insurance is paying for while my car is being fixed. last night a motorcyclist hit my card and sped off. I felt the collision but didn't notice anything else (it was dark). checked my car this morning and noticed that the passenger side mirror cover is gone.

Any advice would be awesome, car is being returned Friday (in theory).
i don't think that really makes a difference, as long as part is charged you should be fine, but call amex and ask
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on September 29, 2017, 09:49:54 AM
Will amex auto coverage cover my rental if only the taxes are charged to my cc (used the spg).

The story in a nutshell: have a rental that my insurance is paying for while my car is being fixed. last night a motorcyclist hit my card and sped off. I felt the collision but didn't notice anything else (it was dark). checked my car this morning and noticed that the passenger side mirror cover is gone.

Any advice would be awesome, car is being returned Friday (in theory).
Amex won't pay anything since they are secondary insurers
Title: Re: Credit Card Car Rental Insurance
Post by: EMCC on October 10, 2017, 09:51:37 PM
Help please!

I rented a small pickup truck with my chase ink. I'm 24, I used usaa. I rented in California, and hit a car in Nevada, $720 worth of damage on their car. My car has two tiny chips in its paint.

I have csp.

Is there anything that will cover the cost for me?



Title: Re: Credit Card Car Rental Insurance
Post by: Sam Finkelstein on October 11, 2017, 10:45:37 AM
Help please!

I rented a small pickup truck with my chase ink. I'm 24, I used usaa. I rented in California, and hit a car in Nevada, $720 worth of damage on their car. My car has two tiny chips in its paint.

I have csp.

Is there anything that will cover the cost for me?


If you rented from an airport, you probably won't have to worry about the truck. But Hertz will go after you for the other guy's damage if you were at fault, and you don't have insurance or they don't pay.
Title: Re: Credit Card Car Rental Insurance
Post by: nafnaf12 on October 19, 2017, 02:49:38 PM
Rented with "buchbinder" in Vienna through Xrentalcar.com (@SuperFlyer app) the rental cake with CDW with a 1000euro deductible which was put on hold on my CC at the rental desk.
When returning the car they made us huge problems saying we scratched up the car, which we didn't do. Basement is really dark and I guess we didn't notice them.

After checking the reviews online it seems that they (buchbinder) does this all the time!


Can I dispute the chage? Report it fraud?
Title: Re: Credit Card Car Rental Insurance
Post by: SuperFlyer on October 19, 2017, 03:01:16 PM
Rented with "buchbinder" in Vienna through Xrentalcar.com (@SuperFlyer app) the rental cake with CDW with a 1000euro deductible which was put on hold on my CC at the rental desk.
When returning the car they made us huge problems saying we scratched up the car, which we didn't do. Basement is really dark and I guess we didn't notice them.

After checking the reviews online it seems that they (buchbinder) does this all the time!


Can I dispute the chage? Report it fraud?

Don't you have a CC insurance?
You can always try disputing
Title: Re: Credit Card Car Rental Insurance
Post by: nafnaf12 on October 19, 2017, 03:02:28 PM
Don't you have a CC insurance?
You can always try disputing
yes I gave insurance, amex plat. But wouldn't I have had to decline CDW to be covered?
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on October 19, 2017, 03:06:22 PM
yes I gave insurance, amex plat. But wouldn't I have had to decline CDW to be covered?
If you have car insurance it wouldn't have helped.

You can try a regular dispute I guess
Title: Re: Credit Card Car Rental Insurance
Post by: SuperFlyer on October 19, 2017, 03:08:44 PM
If you have car insurance it wouldn't have helped.

You can try a regular dispute I guess
Could you decline the entire CDW ?

Never understood this rule
Title: Re: Credit Card Car Rental Insurance
Post by: nafnaf12 on October 19, 2017, 03:11:43 PM
If you have car insurance it wouldn't have helped.

You can try a regular dispute I guess
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? 
Title: Re: Credit Card Car Rental Insurance
Post by: SuperFlyer on October 19, 2017, 03:13:16 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 suppose you are no longer at the desk.
Was the entire claim theoretically above $1000 ?
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on October 19, 2017, 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?
Title: Re: Credit Card Car Rental Insurance
Post by: SuperFlyer on October 19, 2017, 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.
Title: Re: Credit Card Car Rental Insurance
Post by: SuperFlyer on October 19, 2017, 03:17:57 PM
I don't understand, who's contract has a $1000 deductable?
I believe in Israel it's often much higher
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on October 19, 2017, 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
Title: Re: Credit Card Car Rental Insurance
Post by: nafnaf12 on October 19, 2017, 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
Title: Re: Credit Card Car Rental Insurance
Post by: SuperFlyer on October 19, 2017, 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
Title: Re: Credit Card Car Rental Insurance
Post by: SuperFlyer on October 19, 2017, 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?
 
Title: Re: Credit Card Car Rental Insurance
Post by: SuperFlyer on October 19, 2017, 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.
Title: Re: Credit Card Car Rental Insurance
Post by: nafnaf12 on October 19, 2017, 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..
Title: Re: Credit Card Car Rental Insurance
Post by: nafnaf12 on October 19, 2017, 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?
Title: Re: Credit Card Car Rental Insurance
Post by: SuperFlyer on October 19, 2017, 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.
Title: Re: Credit Card Car Rental Insurance
Post by: SuperFlyer on October 19, 2017, 03:39:41 PM
Can I ask you how much the charge is.
Title: Re: Credit Card Car Rental Insurance
Post by: nafnaf12 on October 20, 2017, 04:58:09 AM
Can I ask you how much the charge is.
sorry for late reply, was flying back had no service.
They didn't specify what the charge would be, on the return paper it shows there are more scratchs than before.
Title: Re: Credit Card Car Rental Insurance
Post by: SuperFlyer on October 20, 2017, 05:03:15 AM
sorry for late reply, was flying back had no service.
They didn't specify what the charge would be, on the return paper it shows there are more scratchs than before.
That's good news I guess.
You never agreed on a fix amount, should be easier to dispute.
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on October 20, 2017, 08:27:36 AM
sorry for late reply, was flying back had no service.
They didn't specify what the charge would be, on the return paper it shows there are more scratchs than before.
For a while I got into the habit of snapping a few quick pics when picking up a rental car as a precaution ( except at my local branch, they never checked my car ).

Hope your successful with your dispute.
Title: Re: Credit Card Car Rental Insurance
Post by: nafnaf12 on October 20, 2017, 08:42:51 AM
That's good news I guess.
You never agreed on a fix amount, should be easier to dispute.
thanks.

And on a side note even though your app gave it a 7.4 rating, I still shouldve done my due diligence...
Overall an amazing APP which I plan on still using! (Already did yesterday)


For a while I got into the habit of snapping a few quick pics when picking up a rental car as a precaution ( except at my local branch, they never checked my car ).

Hope your successful with your dispute.
I always take a walk around before. In this case It was a black van in a pitch dark garage! I noticed a few scratches and those were on the contract already.
I obviously missed the others (probably because they were so small.)
Will have to wait and see how much they charge I'm assuming they'll manage to up the damage to exactly the 1000euro I had put on hold ::).
And start the dispute then.
Title: Re: Credit Card Car Rental Insurance
Post by: SuperFlyer on October 20, 2017, 09:01:14 AM


Overall an amazing APP which I plan on still using! (Already did yesterday)

I like that! Thank you!

Title: Re: Credit Card Car Rental Insurance
Post by: ckmk47 on October 20, 2017, 09:23:34 AM
When I was planning to rent a car in Italy, I saw reviews of several car rentals that charged for existing scratches, and most people, like nafnaf12, didn't have proof that they didn't make the scratches.
So I didn't rent from one with such reviews. And I went around the car with the agent when I picked it up and had him mark down every minor blemish.  And I took pictures from all angles.
Title: Re: Credit Card Car Rental Insurance
Post by: nafnaf12 on October 20, 2017, 09:24:58 AM
When I was planning to rent a car in Italy, I saw reviews of several car rentals that charged for existing scratches, and most people, like nafnaf12, didn't have proof that they didn't make the scratches.
So I didn't rent from one with such reviews. And I went around the car with the agent when I picked it up and had him mark down every minor blemish.  And I took pictures from all angles.
great so you're better than me, happy?
#ShowOff

 ;D ;D
Title: Re: Credit Card Car Rental Insurance
Post by: ckmk47 on October 20, 2017, 09:41:20 AM
great so you're better than me, happy?
#ShowOff

 ;D ;D
::)   Sorry to hit you when you're down.  Just meant it as advice to others.
Title: Re: Credit Card Car Rental Insurance
Post by: nafnaf12 on October 20, 2017, 10:13:39 AM
::)   Sorry to hit you when you're down.  Just meant it as advice to others.
no worries! Hopefully others won't make the same mistake.
Title: Re: Credit Card Car Rental Insurance
Post by: nafnaf12 on October 20, 2017, 10:45:03 AM
Can I ask you how much the charge is.
I just checked my account and I don't see the hold on the account. And it's not in my pending (from what I see) would change the card number (report lost/stolen) work to avoid getting charged at all?
Title: Re: Credit Card Car Rental Insurance
Post by: SuperFlyer on October 20, 2017, 10:48:09 AM
I just checked my account and I don't see the hold on the account. And it's not in my pending (from what I see) would change the card number (report lost/stolen) work to avoid getting charged at all?
Possibly, say it's lost and let them change the card number.
Title: Re: Credit Card Car Rental Insurance
Post by: davidch on October 22, 2017, 10:05:52 PM
I am renting from Silvercar  and I opted for coverage for other people and their belongings
Does anyone know if I use my citi prestige card will that cover for damages done to my car?

Thanks in advance!
Title: Re: Credit Card Car Rental Insurance
Post by: a mirrer on October 23, 2017, 07:30:03 AM
For a while I got into the habit of snapping a few quick pics when picking up a rental car as a precaution ( except at my local branch, they never checked my car ).

Hope your successful with your dispute.
I try to have them see that I took the pictures because then when i return to the car they know not to try play games with me
Title: Re: Credit Card Car Rental Insurance
Post by: greatdeals on November 25, 2017, 07:17:46 PM
does amex premium car rental for $25
cover authorized users?
Title: Re: Credit Card Car Rental Insurance
Post by: SuperFlyer on November 25, 2017, 07:28:36 PM
For people that are EU residence, or can say they are, I can arrange car rental insurances worldwide.
Title: Re: Credit Card Car Rental Insurance
Post by: yelped on November 25, 2017, 09:06:18 PM
For people that are EU residence, or can say they are, I can arrange car rental insurances worldwide.
Details?
Title: Re: Credit Card Car Rental Insurance
Post by: Thingywingy on November 25, 2017, 11:01:07 PM
If I redeem UR points for a car rental any way to still get coverage from CC?
Title: Re: Credit Card Car Rental Insurance
Post by: SuperFlyer on November 26, 2017, 03:56:22 AM
Details?
There are different rates for yearly coverage
Title: Re: Credit Card Car Rental Insurance
Post by: Josef.koney on November 27, 2017, 12:56:32 PM
Anyone know about coverage from a credit card if I would rent from Turo? 
Title: Re: Credit Card Car Rental Insurance
Post by: fresar on December 03, 2017, 03:04:40 PM
Discover to remove car rental insurance

https://www.doctorofcredit.com/discover-remove-many-card-benefits-february-28th-2018/
Title: Re: Credit Card Car Rental Insurance
Post by: yelped on December 03, 2017, 06:25:24 PM
Discover to remove car rental insurance

https://www.doctorofcredit.com/discover-remove-many-card-benefits-february-28th-2018/
Whoa. That's a whole lot of benefits. Now there's really no reason to keep a Discover card.
Title: Re: Credit Card Car Rental Insurance
Post by: cubicles on December 04, 2017, 10:24:44 AM
as of now does discover cover Israel?
Title: Re: Credit Card Car Rental Insurance
Post by: rileywiles23 on December 04, 2017, 06:44:53 PM
I'm getting conflicting reports from amex. Rep is telling me that only secondary coverage is covers Israel, and primary coverage that you pay $20 for doesn't cover israel, and she can't send me a letter for primary insurance. True or false ?
Title: Re: Credit Card Car Rental Insurance
Post by: a mirrer on December 05, 2017, 08:44:34 AM
I'm getting conflicting reports from amex. Rep is telling me that only secondary coverage is covers Israel, and primary coverage that you pay $20 for doesn't cover israel, and she can't send me a letter for primary insurance. True or false ?
primary and secondary is only in the states however in Israel amex is effectively primary since your car insurance doesn't cover out of country
Title: Re: Credit Card Car Rental Insurance
Post by: TAVI on December 05, 2017, 10:56:49 AM
is there a difference in terms of the car rental insurance benefits offered by the Chase Sapphire Reserve card vs the Chase Ritz Carlton card?
for rental in South Africa.
Title: Re: Credit Card Car Rental Insurance
Post by: Dawie on December 05, 2017, 12:22:33 PM
is there a difference in terms of the car rental insurance benefits offered by the Chase Sapphire Reserve card vs the Chase Ritz Carlton card?
for rental in South Africa.
Check the terms or PUTPAC
CSR covered my car nicely in RSA
Title: Re: Credit Card Car Rental Insurance
Post by: TAVI on December 05, 2017, 02:35:48 PM
Check the terms or PUTPAC
CSR covered my car nicely in RSA

did you get a letter of coverage from chase?
did you actually had to use the insurance due to damage?
Title: Re: Credit Card Car Rental Insurance
Post by: Dawie on December 05, 2017, 03:38:21 PM
did you get a letter of coverage from chase?
did you actually had to use the insurance due to damage?
i think i got one but never needed it (or showed it to anyone)
yes, was only $250 though
Title: Re: Credit Card Car Rental Insurance
Post by: TAVI on December 05, 2017, 05:05:44 PM
i think i got one but never needed it (or showed it to anyone)
yes, was only $250 though

thanks, good to know
Title: Re: Credit Card Car Rental Insurance
Post by: greatdeals on December 06, 2017, 09:25:35 PM
does AU get coverage on AMEX premium car rental for $25
Title: Re: Credit Card Car Rental Insurance
Post by: Thingywingy on December 31, 2017, 03:48:10 PM
I'm considering renting a car using UR points. Because I'm not paying with a CC, they obviously won't insure the rental. Will my regular insurance cover both collision and liability?
Title: Re: Credit Card Car Rental Insurance
Post by: metsgiantsfan on January 18, 2018, 10:32:20 AM
If I rent a car domestically (US) and deny the car insurance from the agent, but im using my amex to purchase the rental car, im covered..But my question is, what happens if I let my wife drive the car, and shes not on the rental agreement, only I am,  is she covered?
Title: Re: Credit Card Car Rental Insurance
Post by: yochai on January 18, 2018, 06:12:46 PM
I submitted a claim for car rental damage in Israel with Amex. The car rental companies here charge 17% VAT for damages, and now Amex claim they only cover the damage but not the taxes. I never had such an issue with chase. Did anyone have a similar situation? Is there anything I can do about it?
Title: Re: Credit Card Car Rental Insurance
Post by: shmooz on January 18, 2018, 06:52:45 PM
If I rent a car domestically (US) and deny the car insurance from the agent, but im using my amex to purchase the rental car, im covered..But my question is, what happens if I let my wife drive the car, and shes not on the rental agreement, only I am,  is she covered?

If it's legal for her to drive it as a spouse then usually she'd be covered but with these issues best to call the cc company and ask.
Title: Re: Credit Card Car Rental Insurance
Post by: shmooz on January 18, 2018, 06:54:51 PM
I submitted a claim for car rental damage in Israel with Amex. The car rental companies here charge 17% VAT for damages, and now Amex claim they only cover the damage but not the taxes. I never had such an issue with chase. Did anyone have a similar situation? Is there anything I can do about it?

Crazy, who will rent with amex anymore? Do you have the t&c to check?
Title: Re: Credit Card Car Rental Insurance
Post by: shmooz on January 19, 2018, 12:37:09 AM
I checked on an amex card and it excludes taxes unless required by law to reimburse.

Seems no reason to use an amex card to rent in Israel, Dan should post this on main site.
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on January 19, 2018, 01:05:17 AM
If I rent a car domestically (US) and deny the car insurance from the agent, but im using my amex to purchase the rental car, im covered..But my question is, what happens if I let my wife drive the car, and shes not on the rental agreement, only I am,  is she covered?
If it's legal for her to drive it as a spouse then usually she'd be covered but with these issues best to call the cc company and ask.

She is allowed in most States. There was a discussion about it somewhere upthead.
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on January 19, 2018, 01:08:53 AM
She is allowed in most States. There was a discussion about it somewhere upthead.
You don't need the law to dictate that, if the rental company allows, its covered as well.
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on January 19, 2018, 01:10:03 AM
You don't need the law to dictate that, if the rental company allows, its covered as well.
It definitely depends on the state... I'll need to search it
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on January 19, 2018, 01:21:21 AM
You don't need the law to dictate that, if the rental company allows, its covered as well.
It definitely depends on the state... I'll need to search it
Here's from Enterprise

https://www.enterprise.com/en/help/faqs/additional-driver.html

Note: State law in California, Illinois, Missouri, Nevada, Oregon and Wisconsin allows a spouse to be an automatic authorized driver provided they meet minimum age and driver's license requirements

Alamo

https://www.alamo.com/en_US/car-rental-faqs/additional-driver.html

Note: State law in California, Illinois, Missouri, Nevada, Oregon and Wisconsin allows a spouse to be an automatic authorized driver as long as age and driver's license qualifications are met.



That being said I do remember being told in NY that a spouse can drive as well.
Title: Credit Card Car Rental Insurance
Post by: sag95 on January 19, 2018, 04:06:46 AM
If I redeem UR points for a car rental any way to still get coverage from CC?
I'm considering renting a car using UR points. Because I'm not paying with a CC, they obviously won't insure the rental. Will my regular insurance cover both collision and liability?

Just saw this. I believe you will still get the coverage of the card if you booked with UR from that account. Send an SM to make sure.
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on January 19, 2018, 08:09:05 AM
Just saw this. I believe you will still get the coverage of the card if you booked with UR from that account. Send an SM to make sure.
I believe so to, no reason to SM, check the terms it should be in there.
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on January 19, 2018, 08:14:44 AM
Here's from Enterprise

https://www.enterprise.com/en/help/faqs/additional-driver.html

Note: State law in California, Illinois, Missouri, Nevada, Oregon and Wisconsin allows a spouse to be an automatic authorized driver provided they meet minimum age and driver's license requirements

Alamo

https://www.alamo.com/en_US/car-rental-faqs/additional-driver.html

Note: State law in California, Illinois, Missouri, Nevada, Oregon and Wisconsin allows a spouse to be an automatic authorized driver as long as age and driver's license qualifications are met.



That being said I do remember being told in NY that a spouse can drive as well.
An example of what I was saying: With Hertz, IINM any gold member can have their spouse drive too, in that case the spouse will be covered too. No matter if the law dictates that one's spouse can drive, or not.
Title: Re: Credit Card Car Rental Insurance
Post by: politicsmart on January 19, 2018, 12:01:09 PM
Is chase sapphire preferred a primary insurance or secondary insurance on a car?
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on January 19, 2018, 12:06:40 PM
Is chase sapphire preferred a primary insurance or secondary insurance on a car?
Primary
Title: Re: Credit Card Car Rental Insurance
Post by: Buruch on January 21, 2018, 08:40:43 AM
If a business owner has a CSR and gives out au cards to employees to use on rentals, and the business pays off the card, is the car covered under collision coverage, or does it not apply because it's a business use on a personal card?
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on January 21, 2018, 08:42:48 AM
If a business owner has a CSR and gives out au cards to employees to use on rentals, and the business pays off the card, is the car covered under collision coverage, or does it not apply because it's a business use on a personal card?
It'll be covered, but T&C likely state otherwise, so it may not be smart to say that's what it's for.
Title: Re: Credit Card Car Rental Insurance
Post by: Buruch on January 21, 2018, 08:49:49 AM
It'll be covered, but T&C likely state otherwise, so it may not be smart to say that's what it's for.

I saw on the website that it covers for personal use, but the t&c say nothing about using for business and getting reimbursed
Title: Re: Credit Card Car Rental Insurance
Post by: politicsmart on January 22, 2018, 07:43:26 PM
Primary
So to make sure. I have insurance on my own car and I ranted now a car with my chase sapphire preferred (not the reserve card ) and the side mirror got broken will they charge the credit card or my insurance? Will it go on my records by the insurance company?
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on January 22, 2018, 07:44:33 PM
So to make sure. I have insurance on my own car and I ranted now a car with my chase sapphire preferred (not the reserve card ) and the side mirror got broken will they charge the credit card or my insurance? Will it go on my records by the insurance company?
You have to file a complaint with the credit card company to pay.
Title: Re: Credit Card Car Rental Insurance
Post by: politicsmart on January 22, 2018, 07:46:33 PM
You have to file a complaint with the credit card company to pay.
Need to file the complaint before I give back my car?
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on January 22, 2018, 07:47:16 PM
Need to file the complaint before I give back my car?
No, you need to file with the rental company first.
Title: Re: Credit Card Car Rental Insurance
Post by: politicsmart on January 22, 2018, 07:48:07 PM
No, you need to file with the rental company first.
Thanks
Title: Re: Credit Card Car Rental Insurance
Post by: politicsmart on January 23, 2018, 12:59:31 PM
No, you need to file with the rental company first.
Do I need a police report or could I just tell them the story?
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on January 23, 2018, 01:00:43 PM
Do I need a police report or could I just tell them the story?
For the CC company you officially need it, not for the rental company.
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on January 23, 2018, 02:04:18 PM
For the CC company you officially need it, not for the rental company.
Are you sure?

I've never filed a Police report for the CC insurance.
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on January 23, 2018, 02:05:21 PM
Are you sure?

I've never filed a Police report for the CC insurance.
"Officially" with both chase and Amex, I haven't seen anyone have a problem with Chase, with Amex I've seen.
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on January 23, 2018, 02:09:22 PM
"Officially" with both chase and Amex, I haven't seen anyone have a problem with Chase, with Amex I've seen.
So what happens if when returning they see a scratch. Your supposed to call the cops?
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on January 23, 2018, 02:10:27 PM
So what happens if when returning they see a scratch. Your supposed to call the cops?
I've always wondered and hoped it never happened, the one time I needed to use my CC insurance was on my CSR and they didn't need a report.
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on January 23, 2018, 02:21:32 PM
I've always wondered and hoped it never happened, the one time I needed to use my CC insurance was on my CSR and they didn't need a report.
Doesn't sound right.

You personally know someone that had an issue with Amex refusing the claim even though the rental company charged for it because of a Police report?
Title: Re: Credit Card Car Rental Insurance
Post by: Moshe26 on January 24, 2018, 02:11:42 PM
if i used my CSR as my Collision Damage waiver when picking up car in TLV, can i call budget now and change my card to amex BP?
Title: Re: Credit Card Car Rental Insurance
Post by: Moshe26 on January 25, 2018, 07:02:59 AM
Anyone? Returning the car on Sunday
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on January 25, 2018, 07:27:24 AM
Anyone? Returning the car on Sunday
Even if they could (which they can't), you wouldn't have coverage.
Title: Re: Credit Card Car Rental Insurance
Post by: srulky on January 25, 2018, 01:09:51 PM
Is AMEX premium coverage the best way to go if you want primary coverage with no deductible or are there other options?
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on January 25, 2018, 01:13:20 PM
Is AMEX premium coverage the best way to go if you want primary coverage with no deductible or are there other options?
CSR/CSP, MPE, CIP,( IINM, CIC) all have primary.
Title: Re: Credit Card Car Rental Insurance
Post by: srulky on January 25, 2018, 01:25:50 PM
CSR/CSP, MPE, CIP,( IINM, CIC) all have primary.
with no deductible?
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on January 25, 2018, 01:27:35 PM
with no deductible?
Correct
Title: Re: Credit Card Car Rental Insurance
Post by: ludmila on January 26, 2018, 12:37:16 AM
CSR/CSP, MPE, CIP,( IINM, CIC) all have primary.
How about Chase United Explorer personal?
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on January 26, 2018, 12:43:18 AM


How about Chase United Explorer personal?
CSR/CSP, MPE, CIP,( IINM, CIC) all have primary.




Title: Re: Credit Card Car Rental Insurance
Post by: sag95 on January 26, 2018, 12:52:39 AM
CSR/CSP, MPE, CIP,( IINM, CIC) all have primary.
Also Ritz, no? The inks you probably will have to prove it's for business.
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on January 26, 2018, 12:54:23 AM


The inks you probably will have to prove it's for business.
Probably not, but I've always been concerned for that, T&C say something like that.
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on January 26, 2018, 01:16:04 AM


Also Ritz, no?

Correct
Title: Re: Credit Card Car Rental Insurance
Post by: Buruch on February 07, 2018, 05:52:55 PM
I have direct billing set up with car rental companies so that the ink preferred gets charged directly for rentals, and employees don't present a card at the rental counter at all. Would the card's collision coverage apply being that the company is the renter, and technically the cardholder is not? Here's the relevant portion in the benefits guide:

"Who is eligible for coverage?
You, a person to whom a United States (U.S.) credit card has been
issued (“Cardholder”) and your name is embossed on the card. You
are then covered as the primary renter of the vehicle and any additional
drivers permitted to operate it under the terms of the rental agreement
(“Authorized Person”) are also covered. "
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on February 07, 2018, 06:29:34 PM
I have direct billing set up with car rental companies so that the ink preferred gets charged directly for rentals, and employees don't present a card at the rental counter at all. Would the card's collision coverage apply being that the company is the renter, and technically the cardholder is not? Here's the relevant portion in the benefits guide:

"Who is eligible for coverage?
You, a person to whom a United States (U.S.) credit card has been
issued (“Cardholder”) and your name is embossed on the card. You
are then covered as the primary renter of the vehicle and any additional
drivers permitted to operate it under the terms of the rental agreement
(“Authorized Person”) are also covered. "
If the renters name is on the card, it's covered.
Title: Re: Credit Card Car Rental Insurance
Post by: Iz on February 26, 2018, 09:10:17 PM
Sorry for this basic question, but which cc is the best to use for a car rental in the US? I have various Amex cards, Ink, and some Citi cards, among others. Thanks.
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on February 26, 2018, 09:26:57 PM
Sorry for this basic question, but which cc is the best to use for a car rental in the US? I have various Amex cards, Ink, and some Citi cards, among others. Thanks.
If you only need secondary insurance use an Amex. Unless the car is an expensive one, and damage can be over 50k (75k?)
For primary, the Ink has, and so do some other Chase cards.
But, Amex offers better insurance if you pay $20/$25 a rental, primary insurance up to 75k/100k.
Title: Re: Credit Card Car Rental Insurance
Post by: mee on March 11, 2018, 09:00:22 PM
do any cc offer liability
i dont have any insurance and would like 2 rent a car i have usaa and chase sapphire would those be safe choices?
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on March 11, 2018, 09:01:04 PM
do any cc offer liability
i dont have any insurance and would like 2 rent a car i have usaa and chase sapphire would those be safe choices?
No cards offer liability.
(wiki...)
Title: Re: Credit Card Car Rental Insurance
Post by: Luvisrael on March 18, 2018, 12:05:14 AM
In the guide for Saphhire Preffered it states that any violation of the rental agreement, credit card won't cover. Does keeping rental for longer than original return date constitute a violation of agreement  for this?
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on March 18, 2018, 12:08:19 AM
In the guide for Saphhire Preffered it states that any violation of the rental agreement, credit card won't cover. Does keeping rental for longer than original return date constitute a violation of agreement  for this?
You would need to have the rental contract extended, then you'll be OK IINM
Title: Re: Credit Card Car Rental Insurance
Post by: shapsam on March 18, 2018, 12:15:28 AM
By amex business card, does the rental also have to be for official business in order to be covered?
Title: Re: Credit Card Car Rental Insurance
Post by: Luvisrael on March 18, 2018, 01:26:22 AM
You would need to have the rental contract extended, then you'll be OK IINM
thanx. Can anyone confirm?
Title: Re: Credit Card Car Rental Insurance
Post by: shapsam on March 19, 2018, 03:29:14 PM
By amex business card, does the rental also have to be for official business in order to be covered?
BUMP
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on March 19, 2018, 03:36:13 PM
BUMP
T&C Don't speak of such requirements
Title: Re: Credit Card Car Rental Insurance
Post by: shapsam on March 19, 2018, 04:59:45 PM
T&C Don't speak of such requirements
Thanks
Title: Re: Credit Card Car Rental Insurance
Post by: Luvisrael on March 20, 2018, 05:06:46 PM
Chase only covers"Vehicle rental periods that do not exceed nor intend to exceed 31 consecutive days ...
I rented the car originally for more than 31 days. If i return it earlier, would i be covered? TIA
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on March 20, 2018, 05:08:57 PM
Chase only covers"Vehicle rental periods that do not exceed nor intend to exceed 31 consecutive days ...
I rented the car originally for more than 31 days. If i return it earlier, would i be covered? TIA
No, you both the initial contract and the actual rental to be under 31 days
Title: Re: Credit Card Car Rental Insurance
Post by: Yehuda25 on March 21, 2018, 11:39:37 AM
No, you both the initial contract and the actual rental to be under 31 days
though they may not notice because all you will have is the adjusted contract. Go with amex premium plan, $24 or so and they cover for longer.
Title: Re: Credit Card Car Rental Insurance
Post by: yelped on March 21, 2018, 11:53:51 AM
though they may not notice because all you will have is the adjusted contract. Go with amex premium plan, $24 or so and they cover for longer.
Up to 41-43 days, I believe.
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on March 21, 2018, 11:54:21 AM
Up to 41-43 days, I believe.
42 days it is:)
Title: Re: Credit Card Car Rental Insurance
Post by: Luvisrael on March 21, 2018, 01:01:09 PM
though they may not notice because all you will have is the adjusted contract. Go with amex premium plan, $24 or so and they cover for longer.
kinda too late >:(  im already in middle of a rental...thats why i wanted to know if anyone here had experience with this scenario. Also in a previous incident i had, chase asked to see both initial agreement as well as final...
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on March 21, 2018, 01:03:28 PM
kinda too late >:(  im already in middle of a rental...thats why i wanted to know if anyone here had experience with this scenario. Also in a previous incident i had, chase asked to see both initial agreement as well as final...
Yes that's what they do, their probably is no way around it. Unless you shorten the reservation and have them send you an updated contract
Title: Re: Credit Card Car Rental Insurance
Post by: Luvisrael on March 21, 2018, 01:07:42 PM
Yes that's what they do, their probably is no way around it. Unless you shorten the reservation and have them send you an updated contract
exactly what im trying to figure out. if they do that.
Title: Re: Credit Card Car Rental Insurance
Post by: davidd75 on April 19, 2018, 02:40:30 PM
so my family member from Israel will use a United cc(authorized user) to get primary CDW on a car reservation in Orlando but how can she get liability coverage?  US residents usually use their own auto policy for liability coverage for US car rentals what about foreign residents?
Title: Re: Credit Card Car Rental Insurance
Post by: SGF on April 19, 2018, 04:31:23 PM
so my family member from Israel will use a United cc(authorized user) to get primary CDW on a car reservation in Orlando but how can she get liability coverage?  US residents usually use their own auto policy for liability coverage for US car rentals what about foreign residents?
They always have the option to add on to the rental contract.
Title: Re: Credit Card Car Rental Insurance
Post by: davidd75 on April 19, 2018, 05:25:40 PM
They always have the option to add on to the rental contract.

I understand but most of us in this forum in the USA I would guess do not add that as we rely on our auto policy for rentals in the USA.  I wanted to know what options my Israeli family member has besides adding/paying for it at the rental desk
Title: Re: Credit Card Car Rental Insurance
Post by: davidd75 on April 19, 2018, 05:26:38 PM
They always have the option to add on to the rental contract.

Also do some companies provide a minimum amount of coverage for liability for renters as part of base price?
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on April 19, 2018, 05:28:33 PM
Also do some companies provide a minimum amount of coverage for liability for renters as part of base price?
They provide the legal minimum of the state.
Title: Re: Credit Card Car Rental Insurance
Post by: SGF on April 19, 2018, 05:35:33 PM
I understand but most of us in this forum in the USA I would guess do not add that as we rely on our auto policy for rentals in the USA.  I wanted to know what options my Israeli family member has besides adding/paying for it at the rental desk
Maybe most that have a car of their own, i doubt that it's most of us on this forum..
If they are renting for an extended period they can call an insurance company and create a policy that covers liability only.
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on April 19, 2018, 05:42:41 PM
They provide the legal minimum of the state.
I think this was discussed in the car rental thread, but there are states that you aren't covered
Title: Re: Credit Card Car Rental Insurance
Post by: davidd75 on April 20, 2018, 09:41:40 AM
Maybe most that have a car of their own, i doubt that it's most of us on this forum..
If they are renting for an extended period they can call an insurance company and create a policy that covers liability only.

They are renting for only 4-5 days in Orlando
I would certainly most if not almost all have a car or at least are covered by some auto insurance plan
I am wondering now if their Israeli coverage may cover them in the US?
Title: Re: Credit Card Car Rental Insurance
Post by: davidd75 on April 23, 2018, 09:32:48 AM
so is the only real option here to just purchase liability insurance at the rental counter?
Title: Re: Credit Card Car Rental Insurance
Post by: Buruch on April 23, 2018, 05:41:28 PM
They are renting for only 4-5 days in Orlando
I would certainly most if not almost all have a car or at least are covered by some auto insurance plan
I am wondering now if their Israeli coverage may cover them in the US?

Israeli policy will not cover the US.
Title: Re: Credit Card Car Rental Insurance
Post by: davidd75 on April 24, 2018, 02:39:35 PM
Israeli policy will not cover the US.

all Israeli auto policies?

can she add rental coverage in the USA to her Israeli policy?
Title: Re: Credit Card Car Rental Insurance
Post by: SkinnnyJ on April 29, 2018, 03:40:17 PM
I am curious what experience Israelis have had renting in Israel with a CC that provides appropriate insurance.

I have a Barclaycard Arrival World MC, and I have a letter of coverage confirming worldwide coverage including Israel.

At Shlomo Sixt, they refused to provide me with their LDW-only contract unless I could produce a valid US driver's license as well as a US passport with an entry stamp from less than one year ago (presumably to show that I am allowed to drive on the US license in Israel). Despite multiple calls to the manager, they insisted that this was the policy.

At Albar, they had no problem providing me the form to decline CDW.

Had anyone else had similar or different experiences with these or other rental companies? I want to avoid getting stuck in a messy situation like I did with Shlomo Sixt. Are there different company policies or did I just get stuck with some grumpy employees?
Title: Re: Credit Card Car Rental Insurance
Post by: chevron on April 29, 2018, 08:46:24 PM
*sigh* I want to vomit and cry but here it is.

In sf this morning I put my laptop in car trunk, went to get coffee. It was either then or at the museum legion of honor that my backpack was stolen.

Second time in sf and here I thought I was being smart as it was in trunk.

My laptop stolen but who cares, they stole my tefillen. I'm crushed and devastated plus it's 1500$? For new rashi tefillen.

I scoured the garbage cans within 1 mile of coffee shop but nothing. I should have done museum garbage cans in area but frankly I'm wiped.

I went to sf pd and filed a police report.

Now, here's where I hope I can find some comfort, I used my business amex platinum to rent car. Last time I was left with nothing because I used my chase sapphire.

What's my next step. Call amex?  Also I need my laptop to work, will they pay for me to buy a new one?  I used miles for flights so no trip insurance there.
Title: Re: Credit Card Car Rental Insurance
Post by: SGF on April 30, 2018, 11:00:09 AM
*sigh* I want to vomit and cry but here it is.

In sf this morning I put my laptop in car trunk, went to get coffee. It was either then or at the museum legion of honor that my backpack was stolen.

Second time in sf and here I thought I was being smart as it was in trunk.

My laptop stolen but who cares, they stole my tefillen. I'm crushed and devastated plus it's 1500$? For new rashi tefillen.

I scoured the garbage cans within 1 mile of coffee shop but nothing. I should have done museum garbage cans in area but frankly I'm wiped.

I went to sf pd and filed a police report.

Now, here's where I hope I can find some comfort, I used my business amex platinum to rent car. Last time I was left with nothing because I used my chase sapphire.

What's my next step. Call amex?  Also I need my laptop to work, will they pay for me to buy a new one?  I used miles for flights so no trip insurance there.
Ouch.
Did you call Amex? Did you have the premium protection plan?
A friend had similar story, took him 2 years to get amex to do it but he got reimbursed.
SF is notorious for theft. In the area near Lombard st the streets are full of broken glass from car windows.

Title: Re: Credit Card Car Rental Insurance
Post by: chevron on May 03, 2018, 11:45:42 AM
Amex wants my personal car insurance info. I'm worried if I give it my premium will go up. Should I just tell them no? 
Title: Re: Credit Card Car Rental Insurance
Post by: SGF on May 03, 2018, 12:44:13 PM
Amex wants my personal car insurance info. I'm worried if I give it my premium will go up. Should I just tell them no?
If you had the amex premium then its primary insurance.
Title: Re: Credit Card Car Rental Insurance
Post by: chevron on May 04, 2018, 01:25:10 PM
If you had the amex premium then its primary insurance.

No I didn't, I didn't even know this feature existed. I just used my business amex platinum to rent the car.
Title: Re: Credit Card Car Rental Insurance
Post by: chevron on May 06, 2018, 04:58:23 PM
So am I screwed or what?  I just thought that by using my amex platinum I'm covered.
Title: Re: Credit Card Car Rental Insurance
Post by: shmooz on May 06, 2018, 05:23:41 PM
Amex wants my personal car insurance info. I'm worried if I give it my premium will go up. Should I just tell them no?

Don't think they are filing a claim for you, they may want to see your deductible etc. I would ask them what they want with it. Just saying from general experience with this kind of thing, not specifically.
Title: Re: Credit Card Car Rental Insurance
Post by: am32 on May 15, 2018, 08:20:44 PM
Has anyone used the Citi Costco card for CDW in Israel?  it seems to say it is covered worldwide with no exclusions and is primary coverage.
Title: Re: Credit Card Car Rental Insurance
Post by: TAVI on May 22, 2018, 06:39:46 PM
If I rent from National using one of the free rental coupon codes, where the rental costs are zeroed, and the only charge for the rental are the minor fees / taxes.  (example, for LGA rental i think the actual cost comes out to be below $3).

The question is, does the credit card insurance still cover the rental as usual? or do i need to buy the rental agency CDW and Liability?
Title: Re: Credit Card Car Rental Insurance
Post by: shmooz on May 23, 2018, 08:32:47 AM
If I rent from National using one of the free rental coupon codes, where the rental costs are zeroed, and the only charge for the rental are the minor fees / taxes.  (example, for LGA rental i think the actual cost comes out to be below $3).

The question is, does the credit card insurance still cover the rental as usual? or do i need to buy the rental agency CDW and Liability?
Ask your credit card company, they're not all the same.
Title: Re: Credit Card Car Rental Insurance
Post by: TAVI on May 23, 2018, 01:01:21 PM
Ask your credit card company, they're not all the same.

Ask who? a random CSR? I doubt I could rely on their input.
Also, feel like for the situation described above, the credit card companies would handle in similar fashion.
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on May 23, 2018, 01:06:07 PM
Ask who? a random CSR? I doubt I could rely on their input.
Also, feel like for the situation described above, the credit card companies would handle in similar fashion.
Some cards offer coverage even when only paying partially for the rental

I believe CSR does
Title: Re: Credit Card Car Rental Insurance
Post by: aporush82 on May 25, 2018, 02:26:05 AM
Does the csp consider a mustang, camaro, challenger... an exotic car? (Regarding whether they have to cover the car)
Title: Re: Credit Card Car Rental Insurance
Post by: shmooz on May 27, 2018, 06:21:10 PM
Ask who? a random CSR? I doubt I could rely on their input.
Also, feel like for the situation described above, the credit card companies would handle in similar fashion.

It's not all the same. You speak to the company that handles the insurance for your card, IME they don't speak off the cuff. Is also in your benefits guide.
Some cover if you charge at least one full rental day, you might book two days and return after one if there are no issues.

Another way is you might be able to apply the coupon after you drop off, but have not done that.
Title: Re: Credit Card Car Rental Insurance
Post by: TAVI on May 30, 2018, 07:47:20 PM
It's not all the same. You speak to the company that handles the insurance for your card, IME they don't speak off the cuff. Is also in your benefits guide.
Some cover if you charge at least one full rental day, you might book two days and return after one if there are no issues.

Another way is you might be able to apply the coupon after you drop off, but have not done that.

not sure if it helps, but was really wondering about CSR and Ink Preferred cards.

if no one has personal experience, I think i will just add the CDW coverage to be on the safe side.
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on May 30, 2018, 10:26:52 PM
not sure if it helps, but was really wondering about CSR and Ink Preferred cards.

if no one has personal experience, I think i will just add the CDW coverage to be on the safe side.
CSR covered IME.
IIRC the terms say they don't, although that may be Amex, one of their terms exclude it.
Title: Re: Credit Card Car Rental Insurance
Post by: a good yeshiva bachur on May 30, 2018, 10:29:48 PM
When bringing back a damaged car to hertz do I need to make a claim with amex or does Hertz do that for me?
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on May 30, 2018, 10:41:02 PM
When bringing back a damaged car to hertz do I need to make a claim with amex or does Hertz do that for me?
You do.
Title: Re: Credit Card Car Rental Insurance
Post by: a good yeshiva bachur on June 06, 2018, 01:05:18 AM
You do.
well I didn't is it too late or did hertz already do it? are they even able to?
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on June 06, 2018, 01:06:36 AM
well I didn't is it too late or did hertz already do it? are they even able to?
You have to do now (within 60 days?)
They can not do it, did you file a incident report at Hertz?
Title: Re: Credit Card Car Rental Insurance
Post by: a good yeshiva bachur on June 06, 2018, 01:07:20 AM
You have to do now (within 60 days?)
They can not do it, did you file a incident report at Hertz?
yes
yes
how do I file a claim?
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on June 06, 2018, 01:08:00 AM
yes
yes
So file it with the CC, and then give the claim number to Hertz
Title: Re: Credit Card Car Rental Insurance
Post by: a good yeshiva bachur on June 06, 2018, 02:38:59 AM
is it true that the Citi Business AAdvantage cc offers primary CDW??
Title: Re: Credit Card Car Rental Insurance
Post by: yitzyul on June 11, 2018, 10:25:22 AM
Im hoping someone can help me out!
I rented a porsche thru the Lufthansa first class offer on my chase Sapphire reserve.
Upon rental they have you sign a bunch of papers such as that you won't race etc. One of them is a blank page that showed no damage. The car was literally in a pitch black parking lot and it appeared as no damage. When I returned the car 3 hours later they checked it with a magnifying class and claim a minor scratch in a weird place (couldn't have been from an accident). They immediately photographed it and sent me an email with a bill for $600 + today another Pending charge of $400.
Do I have any recourse?
1) I don't think chase reserve covers a Porch?
2) Am I screwed because I signed the paper that has no damage? (it was impossible to see, and the scratch was in such a remote place I probably wouldn't have seen it anyway).
3) It literally appears to be a scam because the car rental return person when directly to the scratch with chalk already in his hand to "circled it", but Im sure there is no way to see if they have charged other people for the same damage?
Title: Re: Credit Card Car Rental Insurance
Post by: yitzyul on June 12, 2018, 06:57:59 PM
Im hoping someone can help me out!
I rented a porsche thru the Lufthansa first class offer on my chase Sapphire reserve.
Upon rental they have you sign a bunch of papers such as that you won't race etc. One of them is a blank page that showed no damage. The car was literally in a pitch black parking lot and it appeared as no damage. When I returned the car 3 hours later they checked it with a magnifying class and claim a minor scratch in a weird place (couldn't have been from an accident). They immediately photographed it and sent me an email with a bill for $600 + today another Pending charge of $400.
Do I have any recourse?
1) I don't think chase reserve covers a Porch?
2) Am I screwed because I signed the paper that has no damage? (it was impossible to see, and the scratch was in such a remote place I probably wouldn't have seen it anyway).
3) It literally appears to be a scam because the car rental return person when directly to the scratch with chalk already in his hand to "circled it", but Im sure there is no way to see if they have charged other people for the same damage?

BUMP!
Title: Re: Credit Card Car Rental Insurance
Post by: dovil on June 12, 2018, 07:01:55 PM
what does bumb mean
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on June 12, 2018, 07:02:53 PM
what does bumb mean
http://forums.dansdeals.com/index.php?topic=44756.msg877489#msg877489
Title: Re: Credit Card Car Rental Insurance
Post by: Z56 on June 12, 2018, 08:21:35 PM
Hi,

Looking to rent a car with hertz or Avis for 2 months. Is there anyway if I do a multi month rental in order to get covered with cc insurance
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on June 12, 2018, 08:23:21 PM
Hi,

Looking to rent a car with hertz or Avis for 2 months. Is there anyway if I do a multi month rental in order to get covered with cc insurance
Am I banned from answering?
Title: Re: Credit Card Car Rental Insurance
Post by: Z56 on June 12, 2018, 08:24:31 PM
Am I banned from answering?

No! Love your input!

You are being a great help! Thanks @davidrotts63
Title: Re: Credit Card Car Rental Insurance
Post by: myi on June 13, 2018, 08:29:55 AM

3) It literally appears to be a scam because the car rental return person when directly to the scratch with chalk already in his hand to "circled it", but Im sure there is no way to see if they have charged other people for the same damage?
Rent the same car again and you will find out if they do this same scam again.
Title: Re: Credit Card Car Rental Insurance
Post by: yitzyul on June 13, 2018, 09:06:43 AM
Rent the same car again and you will find out if they do this same scam again.
Was in Germany, not planning on going there is the near future!
Title: Re: Credit Card Car Rental Insurance
Post by: yitzyul on June 13, 2018, 09:08:42 AM
Rent the same car again and you will find out if they do this same scam again.
Any other options? Try disputing the CC but I'm assuming I will loose because I signed the "no damages"? Should I try filling a claim or will be automatically denied because it is a porsche?
Title: Re: Credit Card Car Rental Insurance
Post by: myi on June 13, 2018, 09:12:09 AM
Any other options? Try disputing the CC but I'm assuming I will loose because I signed the "no damages"? Should I try filling a claim or will be automatically denied because it is a porsche?

I don't think it's on an automatic loss if you going to fight the credit card as you were saying they showed you the car in a dark black garage, now not necessarily they would want to take it out for you to show you the car as they'll tell you they never had a customer who made us take out the car they were able to see it perfectly in the garage...
   There's definitely room to argue.
Where was the scratches that this guy found was it in a place where it was noticeable or was under the car or the like?
Title: Re: Credit Card Car Rental Insurance
Post by: yitzyul on June 13, 2018, 09:28:35 AM
I don't think it's on an automatic loss if you going to fight the credit card as you were saying they showed you the car in a dark black garage, now not necessarily they would want to take it out for you to show you the car as they'll tell you they never had a customer who made us take out the car they were able to see it perfectly in the garage...
   There's definitely room to argue.
Where was the scratches that this guy found was it in a place where it was noticeable or was under the car or the like?
It was all the way on the bottom front side. Hard to explain, but its like in a case were the lights are situated. its not even on an "end" like where it could've hit something.
Am I better off disputing or claiming a claim?
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on June 13, 2018, 09:36:16 AM
Any other options? Try disputing the CC but I'm assuming I will loose because I signed the "no damages"? Should I try filling a claim or will be automatically denied because it is a porsche?
Did you confirm that a Porsche isn't covered? What modal was it?
Title: Re: Credit Card Car Rental Insurance
Post by: yitzyul on June 13, 2018, 09:41:56 AM
Did you confirm that a Porsche isn't covered? What modal was it?
Porsche 911. It comes with insurance but $1500 Euro deductible.


"Expensive, exotic, and antique automobiles; vans designed to carry more than 8 people; vehicles that have an open cargo bed; trucks; motorcycles, mopeds, and motorbikes; limousines; and recreational vehicles"
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on June 13, 2018, 09:48:29 AM
Porsche 911. It comes with insurance but $1500 Euro deductible.


"Expensive, exotic, and antique automobiles; vans designed to carry more than 8 people; vehicles that have an open cargo bed; trucks; motorcycles, mopeds, and motorbikes; limousines; and recreational vehicles"
Which one are you assuming it's under?
Being that it seems you have no other choice, id file the complaint with Chase, but don't give the information to the rental company, until you give up on fighting them
Title: Re: Credit Card Car Rental Insurance
Post by: yitzyul on June 13, 2018, 09:49:53 AM
Which one are you assuming it's under?
Being that it seems you have no other choice, id file the complaint with Chase, but don't give the information to the rental company, until you give up on fighting them
Exotic and expensive.

Not sure I understood you.
File insurance claim and then dispute the charge?
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on June 13, 2018, 09:59:39 AM
Exotic and expensive.

Not sure I understood you.
File insurance claim and then dispute the charge?
File a claim with Chase, but don't let the company you rented from know, as well as Dispute it with the company you rented from.
Title: Re: Credit Card Car Rental Insurance
Post by: yitzyul on June 13, 2018, 10:01:39 AM
File a claim with Chase, but don't let the company you rented from know, as well as Dispute it with the company you rented from.
Thank You!
Title: Re: Credit Card Car Rental Insurance
Post by: a good yeshiva bachur on June 15, 2018, 01:59:07 PM
is it true that the Citi Business AAdvantage cc offers primary CDW??
Can anyone confirm?
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on June 15, 2018, 03:17:46 PM
Read the T & C
Although I'm fairly certain it doesn't.

Sent from my Moto G (5) Plus using Tapatalk

Title: Re: Credit Card Car Rental Insurance
Post by: Luvisrael on June 18, 2018, 02:19:16 PM
Guys , just a heads up if ur using Chase's rental insurance. They don't cover if rental is for 32 days or over INCLUDING date taken and returned. Double check the calendar before u book
Title: Re: Credit Card Car Rental Insurance
Post by: davidd75 on June 25, 2018, 01:08:50 PM
which companies will easily let you reserve with one cc (for insurance) and switch to another cc (reimbursement for travel charges) when you return the car because I have found that some of the smaller companies for some reason will give you a tough time trying to do that
Title: Re: Credit Card Car Rental Insurance
Post by: a good yeshiva bachur on June 26, 2018, 01:22:04 AM
Although I'm fairly certain it doesn't.
A quick google search came up with the opposite answer, I’m just wondering if anyone might know for sure...
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on June 26, 2018, 01:29:22 AM
A quick google search came up with the opposite answer, I’m just wondering if anyone might know for sure...
You didn't look hard enough. Took me 2 minutes (I don't have the card to have the actual T&C) to find the T&C online.
The answer is no. It is only secondary coverage on the US.
Title: Re: Credit Card Car Rental Insurance
Post by: shmoe joe on July 04, 2018, 08:23:55 PM
I my made my friends an additional on my spg cc and while renting a car on that card he had a accident. Will Hertz charge my friend or me? And if not will I be involved in any way?
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on July 04, 2018, 08:33:16 PM
I my made my friends an additional on my spg cc and while renting a car on that card he had a accident. Will Hertz charge my friend or me? And if not will I be involved in any way?
File a Claim with Amex Assurance.
Title: Re: Credit Card Car Rental Insurance
Post by: shmoe joe on July 04, 2018, 08:36:47 PM
Yes for sure but do I need to be busy with it as the primary card holder or he ?
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on July 04, 2018, 08:41:28 PM
Yes for sure but do I need to be busy with it as the primary card holder or he ?
Well they will after him, but if they charge a card it's your card...
It is probably his responsibility to deal with it.
Title: Re: Credit Card Car Rental Insurance
Post by: shmoe joe on July 04, 2018, 08:44:41 PM
Well they will after him, but if they charge a card it's your card...
It is probably his responsibility to deal with it.
wouldn't they the additional card which is his?
Title: Re: Credit Card Car Rental Insurance
Post by: davidrotts63 on July 04, 2018, 08:45:13 PM
wouldn't they the additional card which is his?
Well they may charge his card, but it's your account...
Title: Re: Credit Card Car Rental Insurance
Post by: shmoe joe on July 04, 2018, 08:47:41 PM
Oh your right! Thanks
Title: Re: Credit Card Car Rental Insurance
Post by: shmoe joe on July 04, 2018, 08:54:45 PM
Is Amex insurance usually easy to work with? Anyone with personal experience?
Title: Re: Credit Card Car Rental Insurance
Post by: greatdeals on July 06, 2018, 03:29:41 PM
when booking on line for prepaid do you have to use that credit card when you pick it up?
Title: Re: Credit Card Car Rental Insurance
Post by: saw50st8 on July 13, 2018, 07:43:06 AM
Which credit cards have primary insurance on rentals in Ireland? Or do I need to pay the fees through the rental agencies?
Title: Re: Credit Card Car Rental Insurance
Post by: tzifanya54 on July 15, 2018, 08:49:19 PM
Looking into a very expensive rental. I have some dead AA miles stirring around was going to just use them for the rental and pay the remainder in cash through the AA site. If I use the CSR to pay that difference will I be covered? Or will it be considered a charge to AA directly, leaving the rental unprotected forcing me to buy insurance?
Title: Re: Credit Card Car Rental Insurance
Post by: a good yeshiva bachur on July 16, 2018, 12:01:12 AM
Is Amex insurance usually easy to work with? Anyone with personal experience?
I had a pretty easy/good experience...
Title: Re: Credit Card Car Rental Insurance
Post by: Zevi16 on July 29, 2018, 07:21:03 PM
How classic. According to a Chase benefits rep, "cargo vans" are not covered and a camper would fall under the cargo van category. According to an Amex benefits rep, "cargo vans" are covered, but "campers" have their own category and are not covered. The search continues...
Any update on this?
Title: Re: Credit Card Car Rental Insurance
Post by: shapsam on July 29, 2018, 08:06:17 PM
I had a pretty easy/good experience...
+1
Title: Re: Credit Card Car Rental Insurance
Post by: runnergirl on July 29, 2018, 08:26:48 PM
Just booked a 7 day rental car in Israel with Budget via Priceline. It's a mid-size car and I paid $85. I read the T&C and the only other fee seems to be the $30 charge for airport P/u. I intend to use a cc that will cover the cdw. What other fees will I need to pay to ensure proper coverage? Just want to make sure I am not missing anything as the price seems so inexpensive.
Thanks
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on July 29, 2018, 08:28:15 PM
Just booked a 7 day rental car in Israel with Budget via Priceline. It's a mid-size car and I paid $85. I read the T&C and the only other fee seems to be the $30 charge for airport P/u. I intend to use a cc that will cover the cdw. What other fees will I need to pay to ensure proper coverage? Just want to make sure I am not missing anything as the price seems so inexpensive.
Thanks
It's not including insurance...call the rental location with the reservation number
Title: Re: Credit Card Car Rental Insurance
Post by: runnergirl on July 29, 2018, 08:30:50 PM
It's not including insurance...call the rental location with the reservation number

Thanks. Any ballpark ideas on insurance cost?
Title: Re: Credit Card Car Rental Insurance
Post by: Yammer on July 29, 2018, 08:32:01 PM
Thanks. Any ballpark ideas on insurance cost?
$10+ a day

Your best bet is to call an agent.
Title: Re: Credit Card Car Rental Insurance
Post by: nafnaf12 on August 02, 2018, 08:40:37 AM
Currently have a rental from budget in South Africa.
Booked and paid (hold on my CC)with my CSR. windshield got a chip in it
Will I be covered?
Can/should I switch to my Amex, ans would it help? (For the premium coverage)
Title: Re: Credit Card Car Rental Insurance
Post by: shapsam on August 02, 2018, 10:19:06 AM
Does Amex mind or do they do anything to you if you have a lot of (expensive) CDW claims?
Title: Re: Credit Card Car Rental Insurance
Post by: Dawie on August 03, 2018, 10:29:41 AM
Currently have a rental from budget in South Africa.
Booked and paid (hold on my CC)with my CSR. windshield got a chip in it
Will I be covered?
Can/should I switch to my Amex, ans would it help? (For the premium coverage)
CSP covered me in Africa just fine
Title: Re: Credit Card Car Rental Insurance
Post by: monkeydonkey on August 07, 2018, 01:54:31 PM
i rented a pickup truck from national and our back window busted does anyone know if my visa td cash would cover this?
Title: Re: Credit Card Car Rental Insurance
Post by: nafnaf12 on August 16, 2018, 09:02:48 AM
I submitted a claim for car rental damage in Israel with Amex. The car rental companies here charge 17% VAT for damages, and now Amex claim they only cover the damage but not the taxes. I never had such an issue with chase. Did anyone have a similar situation? Is there anything I can do about it?
any update? I currently have a rental in IL and will need to use the CDW
Renting using AMEX BP.
how easy where they with coverage?
Did you get the tax back?
Title: Re: Credit Card Car Rental Insurance
Post by: Zevwolf on September 28, 2018, 04:27:28 PM
Do you need to get liability insurance when renting?
Title: Re: Credit Card Car Rental Insurance
Post by: a good yeshiva bachur on September 28, 2018, 04:30:54 PM
Rear view mirror fell down, on Hertz, will Citi Premier cover me?
Title: Re: Credit Card Car Rental Insurance
Post by: shmooz on October 03, 2018, 01:09:59 PM
Do you need to get liability insurance when renting?

For US rentals, if you have your own car insurance, it covers liability as well. Otherwise you need to purchase liability.
Title: Re: Credit Card Car Rental Insurance
Post by: Essen est zich on October 03, 2018, 02:19:27 PM
For US rentals, if you have your own car insurance, it covers liability as well. Otherwise you need to purchase liability.
That is incorrect. Each state has minimum set for car rentals for liability. It isn't much and purchasing is encouraged in case chvshalm happens.
Title: Re: Credit Card Car Rental Insurance
Post by: shmooz on October 03, 2018, 02:35:24 PM
That is incorrect. Each state has minimum set for car rentals for liability. It isn't much and purchasing is encouraged in case chvshalm happens.

This website claims that California for example, does not require rental agencies to provide any coverage, https://www.autoslash.com/blog-and-tips/posts/renting-a-car-in-california-watch-out-for-this-insurance-gotcha

Agree with you in any event that its not smart to be relying on what the car rental provides.
Title: Re: Credit Card Car Rental Insurance
Post by: ludmila on October 03, 2018, 06:34:57 PM
That is incorrect. Each state has minimum set for car rentals for liability. It isn't much and purchasing is encouraged in case chvshalm happens.
So no credit card out there offers liability? Either use your car insurance or purchase liability ?
Title: Re: Credit Card Car Rental Insurance
Post by: Essen est zich on October 03, 2018, 06:43:54 PM
So no credit card out there offers liability? Either use your car insurance or purchase liability ?
Correct.
I have seen some companies from Europe that provide liability coverage out of their countries for the citizens but I don't know anything about that.
Title: Re: Credit Card Car Rental Insurance
Post by: Ekay on October 08, 2018, 01:50:48 AM
Which card is better to rent with in Israel csr or Amex platinum ?
Title: Re: Credit Card Car Rental Insurance
Post by: nafnaf12 on October 17, 2018, 10:25:20 PM
any update? I currently have a rental in IL and will need to use the CDW
Renting using AMEX BP.
how easy where they with coverage?
Did you get the tax back?
ETA. Amex covered including Tax
Title: Re: Credit Card Car Rental Insurance
Post by: B.D.Da'ehu on October 18, 2018, 03:59:40 AM
Which card is better to rent with in Israel csr or Amex platinum ?
CSR
Title: Re: Credit Card Car Rental Insurance
Post by: metsgiantsfan on November 20, 2018, 08:50:15 AM
For a car rental in the U.S which is better for insurance/protection. Amex Gold Premier or Chase Reserve?   Also, I cant seem to find a straight answer, if the C.C is in my wifes names, but I am down as the driver, is it covered?
Title: Re: Credit Card Car Rental Insurance
Post by: Ekay on November 20, 2018, 08:53:39 AM
For a car rental in the U.S which is better for insurance/protection. Amex Gold Premier or Chase Reserve?   Also, I cant seem to find a straight answer, if the C.C is in my wifes names, but I am down as the driver, is it covered?
csr
Title: Re: Credit Card Car Rental Insurance
Post by: beirush228 on February 28, 2019, 04:56:39 AM
 I added on the premium Amex Rental Insurance being that my rental was broken into and my Tefillin and Sheitlach plus a duffel bag full of clothing were stolen. I opted into the premium car rental after the police report (and after obviously the rental started), but before I payed (dropped off) for the vehicle.

Amex Premium covers up to $10,000 in personal property theft in this plan. Does anyone have any experience with this? Please advice if you have had to deal with this.This is like $8,000 loss with out exaggeration. Will they cover the loss of property or just claim that because I wasn't enrolled from the beginning of the rental, they will not cover it.
Title: Re: Credit Card Car Rental Insurance
Post by: Ekay on February 28, 2019, 09:24:11 AM
I added on the premium Amex Rental Insurance being that my rental was broken into and my Tefillin and Sheitlach plus a duffel bag full of clothing were stolen. I opted into the premium car rental after the police report (and after obviously the rental started), but before I payed (dropped off) for the vehicle.

Amex Premium covers up to $10,000 in personal property theft in this plan. Does anyone have any experience with this? Please advice if you have had to deal with this.This is like $8,000 loss with out exaggeration. Will they cover the loss of property or just claim that because I wasn't enrolled from the beginning of the rental, they will not cover it.
Sorry for your loss, where you charged the $24 fee from Amex for the premium coverage?
Title: Re: Credit Card Car Rental Insurance
Post by: beirush228 on February 28, 2019, 06:47:20 PM
Not yet. I should though I suppose.
Title: Re: Credit Card Car Rental Insurance
Post by: beirush228 on February 28, 2019, 09:43:12 PM
Not yet. It should though I suppose.
Title: Re: Credit Card Car Rental Insurance
Post by: Theodorel on March 04, 2019, 01:46:08 PM
What credit cards cover cdw for 12 seater vans? (even the cc's that I would have to pay a one time fee for premium coverage...)
TIA
Title: Re: Credit Card Car Rental Insurance
Post by: New Yorker on March 04, 2019, 02:36:17 PM
What credit cards cover cdw for 12 seater vans? (even the cc's that I would have to pay a one time fee for premium coverage...)
TIA

Citi
Title: Re: Credit Card Car Rental Insurance
Post by: beirush228 on March 06, 2019, 04:33:29 AM
Sorry for your loss, where you charged the $24 fee from Amex for the premium coverage?
Yes i was now.
Title: Re: Credit Card Car Rental Insurance
Post by: shapsam on March 06, 2019, 11:29:19 AM
Some car rentals in Europe don't have an option to rent without any CDW and you're automatically covered with a large deductable, does that mean there's no way to get coverage with a cc?
Title: Re: Credit Card Car Rental Insurance
Post by: m.m. on March 19, 2019, 11:35:09 PM
I remember seeing somewhere on forums about some credit card that has liability included in it, maybe from a year ago or so, but cant find it at the moment (tried searching thru google obviously).
Any idea what credit it is?
It definitely wasn't an american bank, I think it was an English bank, but not sure...
thanks
Title: Re: Credit Card Car Rental Insurance
Post by: Yehuda25 on March 28, 2019, 03:24:54 PM
I remember seeing somewhere on forums about some credit card that has liability included in it, maybe from a year ago or so, but cant find it at the moment (tried searching thru google obviously).
Any idea what credit it is?
It definitely wasn't an american bank, I think it was an English bank, but not sure...
thanks
none AFAIK
Title: Re: Credit Card Car Rental Insurance
Post by: Yehuda25 on March 28, 2019, 03:25:22 PM
If one takes Liability from the rental company, is damage to a rental car still covered by amex?
Title: Re: Credit Card Car Rental Insurance
Post by: Yehuda25 on March 28, 2019, 03:27:12 PM
If one takes Liability from the rental company, is damage to a rental car still covered by amex?
terms seem to say yes -

https://www.americanexpress.com/content/dam/amex/us/credit-cards/features-benefits/policies/pdf/CRLDI%20Benefit%20Guide_Tier%201%20Rev%2003-18.pdf


How to Activate Coverage
Coverage for Theft of or Damage to an eligible Rental Vehicle is activated when:
1. You decline the full collision damage waiver (CDW) or similar option, or pay for a partial collision
damage waiver, offered by the Rental Company;
2. You or the Authorized Driver is named on the Rental Agreement as the person renting and take control
and possession of the Rental Vehicle; and
3. You use Your Account, American Express Membership Reward Points and/or American Express Pay
with Points to hold or place a deposit at the time the rental is checked out and to pay for the Entire Rental
from the Rental Company. Coverage will n
Title: Re: Credit Card Car Rental Insurance
Post by: chossid on June 22, 2019, 11:50:21 PM
I'm about to rent a car for more than 30 days,
Will amwx plat with the premium insurance over me 60 days?
Title: Re: Credit Card Car Rental Insurance
Post by: a good yeshiva bachur on June 23, 2019, 05:49:31 AM
I'm about to rent a car for more than 30 days,
Will amwx plat with the premium insurance over me 60 days?
IIRC Amex only covers up to 42 days
Title: Re: Credit Card Car Rental Insurance
Post by: SamCan on June 26, 2019, 11:57:53 AM
My Canadian credit card gives me 48 day primary insurance. Is there a card that gives me more than that.
Title: Re: Credit Card Car Rental Insurance
Post by: dealsrus on July 09, 2019, 12:21:38 AM
Is there a current list of all credit cards that provide CDW coverage in Israel?
The Wiki does not seem updated.  Thanks
Title: Re: Credit Card Car Rental Insurance
Post by: m.m. on July 09, 2019, 11:28:52 PM
I remember seeing somewhere on forums about some credit card that has liability included in it, maybe from a year ago or so, but cant find it at the moment (tried searching thru google obviously).
Any idea what credit it is?
It definitely wasn't an american bank, I think it was an English bank, but not sure...
thanks
found it here,
http://www.coutts.com/private-banking/banking-services/cards/coutts-silk-card/

The cost for the card is just 350£
Though you gotta be accepted as a client at the bank  ;)
Title: Re: Credit Card Car Rental Insurance
Post by: zhenya13 on August 05, 2019, 11:47:23 PM
Does MC World Elite provide CDW/LDW insurance?
I have a barclays arrival +, the terms don't seem to exclude Israel.
Here's the link to the terms:
https://gif.barclaycardus.com/servicing/img/base/guideBenefits/BAR-5819-1.pdf

I'm just confused since the header for this thread says it's only Chase Saphire (reserve or preferred) and Amex and everything I'm reading is about Chase v Amex
Thank you in advance for any info

Title: Re: Credit Card Car Rental Insurance
Post by: Traveler718 on August 18, 2019, 07:53:57 PM
Picked up a rental in Glasgow last week, but they wouldn't let me pay with CSR in my wife's name even though she was there, since I'm the driver. So I paid with my Citi premier (primary overseas), which may be for the best since I reserved a minivan but they didn't have and made me take a 9-seater van.

They tried to sell me a 26 GBP per day policy to reduce my liability to 150 GBP, but I declined. They threatened me that if anything happens they'll put a 5000 GBP hold on my cc, but only 500 if I've already initiated a claim and provide them the # when I return it.

When we came back to the van in a parking lot today, I discovered a scratch and small dent which we're not sure if they were there when we got it or not. Please advise how to proceed - should call the rental agency,  call Citi to start a claim (even with no police report etc.), lower my credit limit so they can't charge me 5000 GBP, wait and see what happens at return, ...?

Also, I now see that Citi doesn't cover loss of use like CSR - will this be a problem?
Title: Re: Credit Card Car Rental Insurance
Post by: Traveler718 on August 19, 2019, 03:38:44 PM
Bump - I'm returning the rental soon and would appreciate any advice.
Title: Re: Credit Card Car Rental Insurance
Post by: Fat albert on August 20, 2019, 11:08:54 PM
I paid in advance with a card not enrolled in amex premium rental can i add it to the card after as long as its before the rental date or does it go by time of payment
Title: Re: Credit Card Car Rental Insurance
Post by: tll on August 24, 2019, 09:57:53 PM
I am renting a 15 passenger van in America and I see that barclaycard arrival and american express exclude full size vans from insurance.
Is there any credit card that will cover the insurance for a 15 passenger van for personal use or do I need to purchase the car rental insurance?
Title: Re: Credit Card Car Rental Insurance
Post by: New Yorker on August 24, 2019, 10:02:49 PM
I am renting a 15 passenger van in America and I see that barclaycard arrival and american express exclude full size vans from insurance.
Is there any credit card that will cover the insurance for a 15 passenger van for personal use or do I need to purchase the car rental insurance?

Citi, untill September 22.
Title: Re: Credit Card Car Rental Insurance
Post by: tll on August 24, 2019, 11:40:09 PM
Thank you
Title: Re: Credit Card Car Rental Insurance
Post by: shmerel on August 25, 2019, 03:08:28 PM
I paid in advance with a card not enrolled in amex premium rental can i add it to the card after as long as its before the rental date or does it go by time of payment

Im no expert but would suggest contacting the Rental Company and ask if you can change credit Card at the time of pickup. Then try using same card again at pickup to be sure.

On a side note, I have found that if you rent with Amex for insurance, and then at time of dropoff use a different card for final charge, you get refunded the insurance charge.
Title: Re: Credit Card Car Rental Insurance
Post by: ab613 on August 25, 2019, 11:56:21 PM
I am renting a 15 passenger van in America and I see that barclaycard arrival and american express exclude full size vans from insurance.
Is there any credit card that will cover the insurance for a 15 passenger van for personal use or do I need to purchase the car rental insurance?
amex premium
Title: Re: Credit Card Car Rental Insurance
Post by: Rental on August 26, 2019, 05:56:05 PM
Hoping this is the right place to post.

I've rented a car in Israel using my Chase Sapphire card. Being that I did not have the physical card on me, the car rental company took an Israeli card as a backup, but agreed to bill my Chase card. I rented the car for a day and made a tiny scratch on one side. As per the examiner, this scratch ended up costing me over $1000.00. The rental company billed my card for the full amount (which I authorized when Chase called to check if it was fraud). The agent reassured me that Chase would cover the full amount and even assisted with uploading the docs on Eclaims.
After back and forth with Chase for a while, they needed to translate the docs etc, they told me that there's an error with my rental agreement. It seems like on both the Initial and Final Rental Agreement the agent mistakenly wrote that he billed my Israeli Visa (last for digits are that card)
Charges were never even made on that card and all was billed on the Chase Sapphire card.
Is there anyway to rectify this? Would documentation from the rental company explaining that the wrong card was placed on file, with corrected contracts help?

Any advice would be greatly appreciated.
Title: Re: Credit Card Car Rental Insurance
Post by: Danlover111 on August 27, 2019, 06:20:21 AM
does amex brilliant have worldwide coverage
Title: Re: Credit Card Car Rental Insurance
Post by: nucheiner on August 29, 2019, 01:13:17 AM
Trying to help a relative.

Small fender bender near San Diego. The city doesn't provide police reports for non injury accidents. Rental is from sixt booked on Sapphire Reserve. Was fault of other driver and he has the at-faults driver insurance info and DL.

What's the best way to deal with this? Report to Sixt or wait on them?
Title: Re: Credit Card Car Rental Insurance
Post by: DanH on October 02, 2019, 04:57:23 AM
My Citi Premiere World Elite (MC) no longer covers car rental insurance.
Title: Re: Credit Card Car Rental Insurance
Post by: Agoldsc1 on October 17, 2019, 10:23:22 AM
Is it possible to obtain CDW with a credit card if paying for the rental using Delta miles, but putting the taxes on the CC? I know that for airline delay coverage, paying taxes on an award booking is sufficient with some CC. Wondering if it's the same here. Thanks!!
Title: Re: Credit Card Car Rental Insurance
Post by: ab613 on October 17, 2019, 05:18:40 PM
Is it possible to obtain CDW with a credit card if paying for the rental using Delta miles, but putting the taxes on the CC? I know that for airline delay coverage, paying taxes on an award booking is sufficient with some CC. Wondering if it's the same here. Thanks!!
From the wiki: 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.
Title: Re: Credit Card Car Rental Insurance
Post by: shmooz on October 17, 2019, 07:22:02 PM
Is it possible to obtain CDW with a credit card if paying for the rental using Delta miles, but putting the taxes on the CC? I know that for airline delay coverage, paying taxes on an award booking is sufficient with some CC. Wondering if it's the same here. Thanks!!

Not every credit card is the same necessarily, don't take a risk, call the credit card company yourself to verify