By Irene Lee (New BonaireTalk Poster - Post #4) on Friday, November 28, 2008 - 6:04 pm: |
I was wondering if any of you know whether or or not State Farm insurance covers rentals outside the US, like in Bonaire? I have to wait until Monday to call them and I was hoping for any answer before then.
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By Mickey McCarthy (Experienced BonaireTalker - Post #656) on Friday, November 28, 2008 - 6:35 pm: |
Irene
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By Irene Lee (New BonaireTalk Poster - Post #5) on Friday, November 28, 2008 - 6:53 pm: |
Thanks Mick, that's what I thought. I am trying to find rental truck insurance that is more reasonable than what I have "heard" about Bonaire local insurance.
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By Ron Gould*** (Extraordinary BonaireTalker - Post #1771) on Friday, November 28, 2008 - 7:26 pm: |
Irene, You can contact Telerin Car Rental from the US with this Letter head:
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By Sparty (Experienced BonaireTalker - Post #176) on Friday, November 28, 2008 - 10:19 pm: |
Ron,
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By Irene Lee (New BonaireTalk Poster - Post #6) on Friday, November 28, 2008 - 10:29 pm: |
I can see the advantage to having an AMEX card and I used to have on years ago. So few places accept them that I just closed the account. I don't need another credit card and I don't want to hurt my great credit score by opening a credit account that I don't even need. Bonaire is the only place I would ever need to use the AMEX rental benefit. Doesn't seem worth it to me at this point.
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By a retired Grunt, back in May (Experienced BonaireTalker - Post #667) on Friday, November 28, 2008 - 10:59 pm: |
Here is a link to an explanation of the Amex card. Scroll down to the post by Mel Briscoe and look at the PDF file.
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By a retired Grunt, back in May (Experienced BonaireTalker - Post #668) on Friday, November 28, 2008 - 11:29 pm: |
If you shop Costco you can get an AMEX blue card for no costs or fees and get rebates on purchases. My rebates pay for my Costco membership and more. It may be worth a look if Costco is near you.
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By Vince DePietro (Bonaire Beach Condo ) (Extraordinary BonaireTalker - Post #1782) on Saturday, November 29, 2008 - 7:23 am: |
Hi Irene..read the definitions in your auto policy. I believe it says for policy scope, US, it's territories & possessions or words to that effect.
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By Babs (BonaireTalk Deity - Post #12228) on Saturday, November 29, 2008 - 2:20 pm: |
Here's my recent experience for what it's worth....I purchased the rental car insurance at Budget car rental on my recent trip to Bon. It turns out that several of the car rental agencies (I checked out a couple anyway) have a deductible associated with the insurance you purchase, somewhere between $500 and $750. Someone ran into the back of my truck while parked at Bobbejan's. The damage was not extensive but I had to pay a good portion of the deductible when I turned the car in. Even though my Platinum Signature Visa covers out of the country rentals it did not apply to TRUCKS!!
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By Vince DePietro (Bonaire Beach Condo ) (Extraordinary BonaireTalker - Post #1783) on Saturday, November 29, 2008 - 3:08 pm: |
Generally speaking, your credit card's automatic car rental insurance will not cover the rental of pick-up trucks on Bonaire or elsewhere, and may not even cover SUVs or the like.
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By Tribs (Supreme BonaireTalker - Post #7039) on Tuesday, December 2, 2008 - 11:41 am: |
Just note that some companies, like AB, will now charge you an enormous deposit if you waive their insurance regardless of if you have insurance on your AMEX card. My last trip I had to cough up an additional $1500.00 for a deposit on the truck. Since I am not independently wealthy that hurt my trip in a major way. Thankfully I can eat on less than $10.00 a day.
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By Mickey McCarthy (Experienced BonaireTalker - Post #662) on Tuesday, December 2, 2008 - 1:11 pm: |
Hmm.
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By Irene Lee (New BonaireTalk Poster - Post #9) on Tuesday, December 2, 2008 - 3:51 pm: |
I don't care about a $1500 deposit. Deposits are normally put on credit cards.
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By Tribs (Supreme BonaireTalker - Post #7042) on Tuesday, December 2, 2008 - 3:57 pm: |
Glad to hear that $1500.00 does not matter to you. The local insurance shouldn't be an issue then either. Have a great trip and be sure to post a report when you return. Remember, we love to see pictures.
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By Vince DePietro (Bonaire Beach Condo ) (Extraordinary BonaireTalker - Post #1791) on Tuesday, December 2, 2008 - 6:29 pm: |
Hi Tribs..I certainly agree that $1500 is a lot of $. So, you may want to consider using another rental firm whose terms & conditions are a bit more palatable so to speak. Everyone has a choice.
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By Irene Lee (New BonaireTalk Poster - Post #10) on Tuesday, December 2, 2008 - 6:44 pm: |
I agree that it's a ridiculous amount. But the difference Tribs, is that the $1500 is a hold on a credit card. It's NOT an actual charge that you will have to pay for. Where as the insurance is an actual payment. No need to get snippy.
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By Tribs (Supreme BonaireTalker - Post #7043) on Tuesday, December 2, 2008 - 7:14 pm: |
I wasn't the one getting snippy. You disregarded it as if I were an idiot and didn't know what I was talking about. In reality, $1500 on a credit card is a serious issue when it cuts into the budget for the trip. Unless of course you have an extra $1500 sitting around somewhere to cover this expense. Again, since this does not seem to affect you, good for you. For some of us, loosing $1500 on a credit card we were planning on using for diving or something else is a serious issue - even if it is released after the fact because you can't use it on the trip. I was just trying to be helpful. Glad to hear that $1500 does not matter to you.
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By Ron Gould*** (Extraordinary BonaireTalker - Post #1777) on Tuesday, December 2, 2008 - 7:21 pm: |
Hi Ron,
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By Irene Lee (BonaireTalker - Post #11) on Tuesday, December 2, 2008 - 8:28 pm: |
Chill out Tribs. You take things personally that aren't meant that way. I'm not independently worthy I just have good credit and high limits. My concern was the out of pocket amount that seems high to me and that's why I started this thread.
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By Tribs (Supreme BonaireTalker - Post #7050) on Tuesday, December 2, 2008 - 8:35 pm: |
Glad to hear you know me! As I said before, have a great trip.
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By Irene Lee (BonaireTalker - Post #12) on Tuesday, December 2, 2008 - 8:36 pm: |
Thanks Ron. I didn't have a need to contact Poppy since I already had the pricing info. I was just looking for other options for the insurance part.
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By ron DeMink (BonaireTalker - Post #65) on Wednesday, December 3, 2008 - 12:28 am: |
believe it or not Crap one covers cars & trucks and doesnt charge for foreign use of their card. Only place I use it is on Bonaire-BUT let them know when you are leaving USA and How long and where you will be or else they might lock your account!
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By April (Experienced BonaireTalker - Post #296) on Wednesday, December 3, 2008 - 1:45 pm: |
I'd check on Capital One covering trucks in Bonaire. I talked to them earlier this year and they told me pickup trucks were not covered.
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By ron DeMink (BonaireTalker - Post #66) on Thursday, December 4, 2008 - 12:16 am: |
DARN! These CC companies change faster than dirty socks after a race. well, MC or visa might , have to read the ins. fine print...also some of the CC companies limit coverage to only 2 weeks, while others will go 1 month or so
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By Ron Gould*** (Extraordinary BonaireTalker - Post #1781) on Thursday, December 4, 2008 - 11:13 am: |
Ron, the only CC company that covers trucks is American Express(PREMIUM CAR RENTAL PROTECTION PLAN). I have ALL of the major CC, and have talked to there agents about this subject... Ron
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By pat murphy (Extraordinary BonaireTalker - Post #1631) on Thursday, December 4, 2008 - 11:41 am: |
i think visa covers rentals for a month (not on trucks...as stated, only amex covers trucks with some of their cards). mastercard will cover rentals up to 14 days. so if you're staying over a month you can start with one card and go back just before the insurable period is up and switch to the other card.
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