New to TTOL, and returning to SXM in June for 2nd visit. Just chiming in to say I use Amex's "Premium Car Rental Protection", which costs $25 (total cost for the duration of the rental, up to 42 straight days) and only kicks in when you rent a car. Valid worldwide EXCEPT Australia, Ireland, Israel, Italy, Jamaica, and New Zealand. Provides primary theft/damage coverage up to $100K, plus up to $100K accidental death/dismemberment, and $15K secondary medical, $5K secondary property coverage. Does NOT cover liability, so that would be something one would need to get from the rental agency. And no, I don't work for Amex, lol. Can't wait to return to SXM!