|By Kimberly (BonaireTalker - Post #11) on Tuesday, June 24, 2008 - 7:58 pm:|
Not sure if full rental insurance is really necessary and how many people actually get it? I received a quote from AB Car rental for $300 with CDW and $360 with full insurance. This includes a $20 discount we're getting through our accommodations. Also got a quote from Poppy with only CDW for $326, so about the same as AB without the discount. Any advice? I'm planning to book in the next day or two. Thanks!
|By April (Experienced BonaireTalker - Post #230) on Tuesday, June 24, 2008 - 8:05 pm:|
Check into the coverage with American Express.
|By Boat Chick************** (Supreme BonaireTalker - Post #5582) on Tuesday, June 24, 2008 - 9:15 pm:|
Kimberly, April is correct. It depends upon which cc you use. Some Amex coverage will take care of it, while some other cc's will not. If your cc card does not give you FULL coverage, it is worth the extra money. You don't want something like that to ruin your vacation!
|By Tribs, Live From Bonaire (Supreme BonaireTalker - Post #6293) on Tuesday, June 24, 2008 - 10:12 pm:|
WARNING...WARNING...WARNING... (I just had to type that.) Seriously, read the fine print at AB. They have changed their policy. If you refuse their insurance you have to pay a deposit of $1500.00. They release it when you return the car/truck undamaged. This shocked me and it is not a good shock after a very long day of traveling. I was expecting their usual deposit of $300.00 but that is only if you take the full insurance now.
|By Dr. Director (Experienced BonaireTalker - Post #450) on Wednesday, June 25, 2008 - 9:12 am:|
Thanks for the heads-up about AB's higher deposit. In prior rentals with AB where I declined their insurance and used AMEX Premium Car Rental Protection, AB has always placed a hold on the credit card. Seem to recall it was about $800 last October.
|By Cecil (Supreme BonaireTalker - Post #6553) on Wednesday, June 25, 2008 - 9:41 am:|
I would just get the CDW, it's just not worth the hassle. Even if your cc covers the damage you will still have to cover the cost before you can leave and then get the money back from the cc.
|By Traci (BonaireTalker - Post #21) on Wednesday, June 25, 2008 - 11:04 am:|
You cover the cost of damages with your credit card, so really no harm no foul. I had an accident aboard and once home I filed the paperwork immediately and a check was sent before the monthly bill had arrived. The "special" Amex insurance is a good deal and but when renting in the states just make sure to use a different credit card.
|By Brian* (Supreme BonaireTalker - Post #3905) on Wednesday, June 25, 2008 - 12:31 pm:|
My Amex card does not offer car insurance (UK) but I am glad I took out full insurance as a Donkey at the sanctuary signed my drivers door with a large hoof print.
|By Sparty (Experienced BonaireTalker - Post #153) on Thursday, June 26, 2008 - 9:09 pm:|
As for using cdw vx AMX. If you elect the rental company CDW, you will normally only be covered after a $500 deductible. With your credit card insurance there is no deductible. So if you have an accident with CDW you are out $500 plus what you paid for the CDW.
|By Vince DePietro (Bellevue Condos ) (Extraordinary BonaireTalker - Post #1530) on Friday, June 27, 2008 - 5:46 am:|
Excellent point Sparty! In the past, the letters CDW stood for collision DEDUCTIBLE waiver. The rental car company has fleet physical damage and liability coverage on their vehicles. Of course this is subject to the collision deductible in their policy. The purpose of buying this additional coverage was so the renter did not have to pay the collision deductible.
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