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Cruising America's Great Loop and other inland routes

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Re: GL: rental car insurance - outside United States and Canada

MC
Marty Campanella
Sun, Oct 27, 2013 7:01 PM

This post is not related to the Great Loop but to travelers outside the
United States, including the Bahamas, who rent cars.

It is a rare auto insurance policy issued in the United States that will
cover damage or liability for a rental car outside of the United States or
Canada.  For damage coverage you have to depend on either the car rental
agency's supplement coverage or credit card coverage.  Since you are outside
the US and therefore your home coverage doesn't apply the credit card
coverage is primary, usually without deductible.

A couple of frequent issues both of which have been hinted at.  Coverage for
loss of use is not provided by many cards.  This can be an expensive loss as
many rental companies charge the full daily rate until the car is repaired
or replaced.  A problem here is with cards that say they will cover loss of
use but then deny coverage unless the rental car company proves that the car
could have been rented.  This the rental car companies are unwilling to do
and thus the card holder is stuck holding the bag.

The second issue outside the United States and Canada is countries in which
coverage is excluded.  In first world counties Ireland and Israel are the
two most frequent countries to be excluded.  You should verify coverage in
the country you are renting in before you travel.  The exclusions are in the
terms and conditions of card benefits sent out by the card company from time
to time.

If you are going to Ireland or Israel make sure you bring a copy of the
credit card company's terms and conditions with you. At the Dublin airport I
have seen a number of travelers forced to take the rent a car company's
insurance because they couldn't prove their credit card provided coverage in
Ireland.  (The agent's know which ones do but it is not in their interest to
tell you.)  The latest was a friend of mine who had been warned but couldn't
find the terms and conditions and was forced to pay 240 Euros for poorer
insurance (1,500 Euro deductible) and which insurance negated the credit
card company's coverage.

As suggested in the prior sentence if you take the rental car company's
insurance you negate the credit card company's coverage.  You may find the
rental car company's insurance both expensive and subject to exclusions and
high deductibles.

Marty Campanella
Bay Pelican KK42

This post is not related to the Great Loop but to travelers outside the United States, including the Bahamas, who rent cars. It is a rare auto insurance policy issued in the United States that will cover damage or liability for a rental car outside of the United States or Canada. For damage coverage you have to depend on either the car rental agency's supplement coverage or credit card coverage. Since you are outside the US and therefore your home coverage doesn't apply the credit card coverage is primary, usually without deductible. A couple of frequent issues both of which have been hinted at. Coverage for loss of use is not provided by many cards. This can be an expensive loss as many rental companies charge the full daily rate until the car is repaired or replaced. A problem here is with cards that say they will cover loss of use but then deny coverage unless the rental car company proves that the car could have been rented. This the rental car companies are unwilling to do and thus the card holder is stuck holding the bag. The second issue outside the United States and Canada is countries in which coverage is excluded. In first world counties Ireland and Israel are the two most frequent countries to be excluded. You should verify coverage in the country you are renting in before you travel. The exclusions are in the terms and conditions of card benefits sent out by the card company from time to time. If you are going to Ireland or Israel make sure you bring a copy of the credit card company's terms and conditions with you. At the Dublin airport I have seen a number of travelers forced to take the rent a car company's insurance because they couldn't prove their credit card provided coverage in Ireland. (The agent's know which ones do but it is not in their interest to tell you.) The latest was a friend of mine who had been warned but couldn't find the terms and conditions and was forced to pay 240 Euros for poorer insurance (1,500 Euro deductible) and which insurance negated the credit card company's coverage. As suggested in the prior sentence if you take the rental car company's insurance you negate the credit card company's coverage. You may find the rental car company's insurance both expensive and subject to exclusions and high deductibles. Marty Campanella Bay Pelican KK42