Comments on: 7 things to understand before relying on credit card rental car insurance – How many do you already know?

By: John

John — Thu, 09 Jan 2020 22:59:18 +0000

Last year I was forced to purchase an insurance from Avis in Santo Domingo (Dominican Republic), as they were not willing to rent me any car if insurance is not purchased from them directly. I wanted to use my Chase Sapphire Reserve card for the rental primary insurance, but I was not allowed to. What can be done in such situations?

By: John

John — Thu, 09 Jan 2020 22:54:21 +0000

Where can I find information what kind of vehicles are exactly excluded from the coverage with Chase Sapphire Reserve credit card?

By: Andrew Wan

Andrew Wan — Thu, 13 Jun 2019 19:34:33 +0000

In reply to George. Thanks for the tips George :)

By: George

George — Wed, 12 Jun 2019 21:51:35 +0000

Very good read. Just a couple points regarding the liability coverage:
1. In many countries, liability coverage is mandatory and included in the rate. Make sure you read the fine print, as it may not be the case where you’re renting, or it may be limited to domestic incidents, or limits may be very low.
2. Check your own liability coverage from e.g. your auto or homeowner’s policies. These policies are thick and convoluted, but it’s worth checking before shelling out for extra coverage at the counter.

Also, on secondary coverage: even if rentals are not part of your auto policy, if your coverage is secondary, you may still have to report it to your insurer first. That means your premium will pro ably still go up. If stateside, and a police report is filed, even primary coverage won’t save you as the insurer will still find out about it.

By: Nathan

Nathan — Tue, 11 Jun 2019 16:40:50 +0000

Can somebody specifically tell us Sapphire Reserve users that are too lazy to research themselves which of the points above affects us? 🙂

By: Andrew Wan

Andrew Wan — Mon, 10 Jun 2019 17:30:59 +0000

In reply to rmah. Glad you enjoyed the article, rmah :)

By: Andrew Wan

Andrew Wan — Mon, 10 Jun 2019 17:27:21 +0000

In reply to Steven M. Good point. It really doesn’t take much to cause thousands of dollars in damage to a car.

By: Art

Art — Mon, 10 Jun 2019 15:56:42 +0000

In reply to Miles. Autoslash allows for prepayment for lower rates. Any ideas if insurance kicks in, in this case?

By: Steven M

Steven M — Mon, 10 Jun 2019 15:39:00 +0000

Good article, Alex. I just told California friends last week: “Beware if you rent a car in Italy or Ireland as many cards won’t cover you.” Fortunately they have the CSR card.

Also many people really don’t understand liability and what it is and whether they should actually pay for it or not. Everyone thinks he or she is the best driver out there. Nobody thinks “Well I’m an average to sub-par driver, I really should pay for liability.”

But what’s gonna happen if you hit something — something as mundane as bashing a $1000 bumper that’s one giant piece of injection-molded plastic and you are on the hook for the full replacement cost?

That’s an example of liability.

By: Miles

Miles — Mon, 10 Jun 2019 13:42:15 +0000

I don’t think you normally pay “through” Autoslash. I reserve a car through them (a wonderful service!), then pay at the counter.