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

Cards that cover CDW/LDW in Israel:
Chase: Sapphire Preferred ($95 annual fee)
American Express Gold $195AF
Discover (accepted in Israel as Diners' Club): More, Open Road, Miles, Motiva (none have annual fees)   Policy link

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

Visa phone number : 800-VISA-911

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

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

« Last edited by myi on June 28, 2018, 08:23:29 PM »

Author Topic: Credit Card Car Rental Insurance  (Read 131238 times)

Offline David Smith

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Re: Credit Card Car Rental Insurance
« Reply #630 on: December 19, 2015, 06:30:30 PM »
No difference for insurance?
Same primary insurance.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline Hidden

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Re: Credit Card Car Rental Insurance
« Reply #631 on: December 19, 2015, 06:35:30 PM »
Same primary insurance.
Same for main and additional card member?

Offline yochiek93

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Re: Credit Card Car Rental Insurance
« Reply #632 on: December 19, 2015, 06:36:03 PM »
Same for main and additional card member?
yes

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Re: Credit Card Car Rental Insurance
« Reply #633 on: December 19, 2015, 06:36:43 PM »
Same for Israel and USA?

Offline David Smith

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Re: Credit Card Car Rental Insurance
« Reply #634 on: December 19, 2015, 06:37:28 PM »
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

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Offline Moishel

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Re: Credit Card Car Rental Insurance
« Reply #636 on: December 23, 2015, 09:45:11 AM »
I've been trying to research this but am getting conflicting information. this article here 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.

Offline David Smith

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Re: Credit Card Car Rental Insurance
« Reply #637 on: December 23, 2015, 10:07:38 AM »
I've been trying to research this but am getting conflicting information. this article here 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.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline Josef.koney

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Re: Credit Card Car Rental Insurance
« Reply #638 on: December 23, 2015, 10:11:53 AM »
I've been trying to research this but am getting conflicting information. this article here 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.

Offline Moishel

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Re: Credit Card Car Rental Insurance
« Reply #639 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.

Offline David Smith

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Re: Credit Card Car Rental Insurance
« Reply #640 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.
Who do you think you are fooling? You think you are going to pull a quick one on your Creator? Good luck with that.
JTZ

Offline Round2

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Re: Credit Card Car Rental Insurance
« Reply #641 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?

Offline Sowhat

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Re: Credit Card Car Rental Insurance
« Reply #642 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.

Offline Emkay

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Re: Credit Card Car Rental Insurance
« Reply #643 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

Offline yakrot

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Re: Credit Card Car Rental Insurance
« Reply #644 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