![]() ![]() They can tell you 1) if you are covered (based on your bank's agreement) 2) exactly what is/is not covered 3) the countries you are covered in (or excluded) 4) requirements for the insurance to be valid & 5) they can provide you with a written letter of coverage.įor my upcoming trip to Scotland - the people that cover Visa rentals sent an electronic letter that explained everything and is proof of coverage. I would call either Visa (number is on Visa’s website where they talk about benefits - car rental) or MasterCard (number on their website under MasterCare/MasterRents - also posted above). and there are a few other requirements (simple to meet). Both require you to use the card at the origination of the rental, decline CDW. Both contract this benefit out to third parties. Both Visa & MasterCard have a single program (each) for all flavors of their cards. ![]() car rental insurance through Credit Cards is not controlled by the banks (other than included with the card or not). My other advice would be for you to purchase some travel insurance to cover unexpected.įortunately. There was a time when renting without buying the added insurance was more or less acceptable, but with the price of cars being what they are and the lack of coverage by the CC companies, it’s just no longer worth the chance. I don’t care if someone runs into the car, breaks into it, seals it, whatever, it’s covered as long as I have the keys with me when someone steals the car, which can happen. We rent a lot of cars during our travels and having a zero deductible is worth the extra money. Yes, we decided to purchase the zero deductible after that incident and have done so since them. If it were someone else's fault, you would still be held liable until the account was settled, which may take years. I am not aware of any CC company today, or at anytime in the past, that would pay for a car totaled in an accident. I'd switch cards tomorrow, but I'm afraid the story may not be what we think it is. I'd love to know which credit card company paid for Patrick's car after he totaled it. ![]()
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