Rental Car Insurance
After a long talk with a rather aggressive insurance-pusher salesperson, I decided to see what the survey (forum) says regarding the additional insurance car rental companies try to tag on to your bill.
I stopped buying all the waivers they have to offer after closely reviewing my credit card coverage that I automatically benefited from when using any of my Visa credit cards to secure the rental.
What do you do? Do you find yourself buying the "peace of mind" waivers or do you rely on personal car insurance and credit card coverage?
For my international rental cars in the past, I've used the Premium American Express Insurance, rather than the insurance offered locally thru the rental car company. Below is a link to learn about it. The cost is $25 per rental period up to 42 days, rather than a charge per day from the rental car company. No deductibles and it's primary coverage.
There are a few countries excluded - Australia, Ireland, Israel, Italy, Jamaica, and New Zealand.
Once you sign up for it and charge a rental car to your AMEX card, you'll automatically be charged the $24.95 premium & be insured. As for me, I only want to use this for international rentals and not for the many domestic rentals I do. So for domestic rentals, I make sure to use a different credit card.
One time - in S Africa - I had the pleasure of experiencing the AMEX claim service and I must say it was excellent! So besides the better cost, the claims experience with AMEX was positive. South Africa is a country where one must drive on the left and my SIL hit a huge rock on the left side of the road when driving. :(
I decline the extra cost plans offered by the car rental companies and use the automatic coverage offered by my AMEX Platinum card. It has been handy both at the domestic and foreign levels.
You have to carefully read the insurance offered through your credit card - some only cover insurance on domestic rentals and not international. Also some international car rentals do not honor your credit cards insurance and you still would have to buy theis - I remember this happening in Mexico each time we rented a car. I believe I also read that Ireland has the same policy. Although maybe the AMEX Platimum covers you everywhere - don't have this card so not sure - I do remember, however, that there are some Latin American countries that do not take AMEX or Discover cards