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Re: Car Rental - CDW and Liability Insurance
[Re: presbri]
#32801
01/08/2015 06:37 PM
01/08/2015 06:37 PM
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Joined: Feb 2005
Posts: 836 Harriston
megamania
Traveler
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Traveler
Joined: Feb 2005
Posts: 836
Harriston
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Hi there. I just checked on all of this. I live in Canada. My own car insurance does not cover me either. What you do,,,is check with one of your visa's, mastercards, etc. Some have protection for this. I used my capitol one mastercard. They told me to decline the CDW at car rental place, but to absolutley pay the liability price per day. I have done this in the past. One time, someone smashed the hood of a suv we had rented,,,not bad, but nonetheless the car rental place wanted it fixed, rightly so. We had no idea who did it,,prob in a parking lot. No problem, as I had rented the vehicle on my mastercard capitol one,,,all was good. Car rental company deals with mastercard. I will advise that you call whatever credit card company that you are using, just to confirm that you have the coverage.
Randy and Meg Young
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Re: Car Rental - CDW and Liability Insurance
[Re: phillygirl7]
#32803
01/08/2015 06:44 PM
01/08/2015 06:44 PM
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Joined: Feb 2005
Posts: 836 Harriston
megamania
Traveler
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Traveler
Joined: Feb 2005
Posts: 836
Harriston
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Interesting that yours is opposite than mine, guess every card company has different rules,,,always pays to confirm with your own. The liability is a lot less to pay than CDW,,so am happy that my cap one pays for it. I think liability is like only 5 dollars a day. We rented from Unity this time again. Good luck and have fun on the island.
Randy and Meg Young
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Re: Car Rental - CDW and Liability Insurance
[Re: presbri]
#32805
01/08/2015 07:22 PM
01/08/2015 07:22 PM
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Joined: May 2012
Posts: 680 Burlington, Ontario, Canada
JohnandBev
Traveler
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Traveler
Joined: May 2012
Posts: 680
Burlington, Ontario, Canada
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Best advice is check with your cc company for coverage info as your car insurance probably does not cover you in SXM. From Canada, my Visa and Am EX will cover the collision but not the liability, so we buy the liability. I have found the liability cost varies car rental co to co. I suggest you check on the liability deductable as one rental co's quote may be lower, but the deductible higher. Note – some cars offshore NA may not be covered by your cc, if you want to rent the bimmer on island, check 1st! Short version, check for coverage and understand what you are paying for. Overheard a conversation by the pool last winter at SXM, person was very putout that the car rental co pushed him hard to pay liability - he told them NO - his card of course covered him etc etc - did not have the heart to break into his rant and suggest otherwise J&B
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Re: Car Rental - CDW and Liability Insurance
[Re: WWII]
#32807
01/08/2015 09:02 PM
01/08/2015 09:02 PM
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Joined: Apr 2001
Posts: 14,654 Brookfield, CT.
pat
Traveler
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Traveler
Joined: Apr 2001
Posts: 14,654
Brookfield, CT.
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Likewise, though I've never had a car stolen. <img src="http://www.traveltalkonline.com/forums/images/graemlins/handshake.gif" alt="" /> <img src="http://www.traveltalkonline.com/forums/images/graemlins/handshake.gif" alt="" />
Respectfully,
pat
"Always keep your words soft and sweet, just in case you have to eat them."
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Re: Car Rental - CDW and Liability Insurance
[Re: sxmpete]
#32817
01/09/2015 06:46 PM
01/09/2015 06:46 PM
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Joined: Jan 2008
Posts: 13,145 Ottawa, Ontario, Canada
islandgem
Traveler
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Traveler
Joined: Jan 2008
Posts: 13,145
Ottawa, Ontario, Canada
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Ours does too, and we carry a letter from our insurance company stating that, should there ever be a problem.The USA insurance companies don't do that and some Canadian companies don't either, so we are fortunate.
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