Credit Cards and Car Rental Insurance: What's Covered and What's Not
Credit Cards and Car Rental Insurance: What's Covered and What's Not | discover card travel insurance

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“Don’t buy the rental company’s grossly cher blow accident abandonment (CDW); instead, await on the advantage you get for no added bulk through your acclaim card.” For decades, that’s been the mantra of best biking writers. It’s still the best all-embracing access for best travelers — but not for all, and not always. Yes, about all American Express, Diners Club and Visa cards still awning accident to a rental car, as do abounding MasterCard and Discover cards, but sometimes you either don’t appetite to — or can’t — await on your acclaim card’s coverage:

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— Best acclaim agenda blow advantage is secondary, acceptation it pays alone what you can’t aboriginal balance from added insurance, and you may not appetite to accident a big hit on your approved auto allowance for accident to a rental.

— Accessory advantage bureau you may acquire to pay the abounding bulk of accident up advanced and affirmation agreement later.

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— Best acclaim agenda advantage requires that you abatement the rental company’s CDW, but abject ante for rentals in some adopted countries accommodate some CDW, which you cannot decline. That CDW has a aerial deductible, however, and some acclaim agenda issuers debris to awning it because you didn’t abatement it. Rental companies advertise “Super CDW” to awning the deductible, but at actual annealed prices.

The basal botheration actuality is that rental companies grossly blackmail for blow coverage. Typically, you pay at atomic $15 a day, and generally up to $30 a day — sometimes alike added than the abject rental rate. It’s a huge accumulation center.

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A few weeks ago, I appear that blow advantage — primary advantage — is accessible from third-party agencies at a far lower bulk than the amounts rental companies charge. In response, I heard about a disciplinarian who faced the adopted rental problem, and instead of affairs Super CDW for added than $200 a week, bought a third-party action from Assure Your Bubble (protecctyourbubble.com) for $7.99 a day. Sure enough, he put a scrape on the car. When he alternate it, the abettor added 621 euros to his bill — 580 euros for the aliment and a 41 euro “administrative charge.” When he got home, he downloaded a claims form, scanned all the accordant documents, and emailed it aback to Assure Your Bubble. In about two weeks, he accustomed a analysis accoutrement the 580-euro adjustment allegation in abounding but not the administering fee. His conclusion: Fair abundant — Assure Your Bubble came through after any altercation and was a far bigger accord than the rental company’s Super CDW. The alone affliction was that antecedent hit on his acclaim card; the claims action was painless.

Assure Your Bubble isn’t the alone antecedent for bargain third-party rental car coverage:

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— Some absolute biking allowance bundles accommodate an add-on CDW option.

— CSA Biking Protection sells $35,000 of collision-only advantage for $9 a day through TripInsuranceStore.com.

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— When you hire from a big online biking bureau (OTA) such as Expedia or Priceline, these canicule the bureau about offers its own primary CDW advantage for about $10 a day.

— Auto Europe quotes ante with and after no-deductible CDW. In Italy, for example, the amount aberration is $48 a anniversary for a bunched car.

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— Another absolute company, Insure My Rental Car (insuremyrentalcar.com) quotes zero-deductible advantage at $32 a anniversary or $114 per year, but advantage is alone $25,000, which may not be abundant in a bad collision. That bureau offers an another of an anniversary policy, for a tad beneath $100 a year.

— UK-based Worldwide Insure (worldwideinsure.com) offers an another for Super CDW in Europe for 15 pounds (about $24) for a anniversary or 38 pounds annually to travelers age 25 to 84.

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The take-away actuality is straightforward. If you can acquire accessory coverage, and it covers you fully, your acclaim agenda charcoal the lowest-cost way to assure yourself adjoin big accident claims. But if, for any reason, you appetite primary coverage, or your acclaim agenda doesn’t action complete coverage, third-party blow advantage can assure you adjoin accident claims for far beneath than the rental car aggregation charges.

(Send e-mail to Ed Perkins at epe[email protected] Perkins’ new book for baby business and absolute professionals, “Business Biking When It’s Your Money,” is now accessible through http://www.mybusinesstravel.com or http://www.amazon.com)

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