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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.

Those that do NOT have a credit card insurance, here is an alternative:  https://worldwideinsure.org.

Author Topic: Credit Card Car Rental Insurance  (Read 308932 times)

Offline Yammer

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Re: Credit Card Car Rental Insurance
« Reply #920 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

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Re: Credit Card Car Rental Insurance
« Reply #921 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?



"Disclaimer: I don't believe everything I write."  - ChaimMoskowitz

Offline Sam Finkelstein

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Re: Credit Card Car Rental Insurance
« Reply #922 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.
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Re: Credit Card Car Rental Insurance
« Reply #923 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?
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Offline SuperFlyer

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Re: Credit Card Car Rental Insurance
« Reply #924 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

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Re: Credit Card Car Rental Insurance
« Reply #925 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?
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Offline Yammer

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Re: Credit Card Car Rental Insurance
« Reply #926 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

Offline SuperFlyer

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Re: Credit Card Car Rental Insurance
« Reply #927 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

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Re: Credit Card Car Rental Insurance
« Reply #928 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? 
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Re: Credit Card Car Rental Insurance
« Reply #929 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 ?

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Re: Credit Card Car Rental Insurance
« Reply #930 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?

Offline SuperFlyer

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Re: Credit Card Car Rental Insurance
« Reply #931 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.

Offline SuperFlyer

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Re: Credit Card Car Rental Insurance
« Reply #932 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

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Re: Credit Card Car Rental Insurance
« Reply #933 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

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Re: Credit Card Car Rental Insurance
« Reply #934 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
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Re: Credit Card Car Rental Insurance
« Reply #935 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

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Re: Credit Card Car Rental Insurance
« Reply #936 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?
 

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Re: Credit Card Car Rental Insurance
« Reply #937 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.

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Re: Credit Card Car Rental Insurance
« Reply #938 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..
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Re: Credit Card Car Rental Insurance
« Reply #939 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?
A smooth sea never made a skilled sailor.