car rental insurance, i'm baffled
 

I am leaving for Ireland on Jun3.. my first time out of the U.S. . . I have been reading everyone's posts.. and the more I read, the more confused I get. Ok, so when I look at Budget rates - it shows CDW included in the rate. And the rate doesn't look that bad. Is it bad to have the CDW? or am I better off waiving that using the Master Card Platinum? (and then do I get a lower rate?) btw - thank you SO much for all the great info !!

If CDW is included, then all the better.

I received great advice on this board last year. Call your auto insurer to confirm EXACTLY what they cover with international rentals and then call your Master Card to find out EXACTLY what they cover. Then, insure for any gaps if there are any. Exact coverage vary by insurer and cc.

From what I know, CDW is compulsory in Ireland and Italy.

I believe OReilly is correct.

My Amex ins doesn't cover Ireland.

((I))

talk to your credit card company if plannin gon waiving anything. otherwise, just know if there is still a dedcutible and how much it is, and if you are willing to risk it, or, take out their ADDITIONAL insuranceSSSSS..( in italy,even getting the SUPER CDW STILL does not eliminate deductible of about 1,500 euros at some well known agencies..)

so just KNOW what you are signing.

I just booked a car for July and think I finally understand the insurance. If you look at Auto Europe, they have two rates, a basic and an inclusive. The inclusive rate has CDW, but you are still liable for the first $1,650 of damage. You can buy super CDW for an additional $11/day and your liability is brought down to about $100.

I checked with my MBNA platinum mastercard card and they do not cover Ireland. Having driven in Ireland before, I would not rent a car without being covered to the fullest extent possible.

I believe OReilly is correct about the mandatory CDW. And very few, if any CC will cover Ireland (or Italy for that matter). The roads in Ireland can be rough. You'll need CDW anyway.

Click on my screen name for threads on the insurance subject. It IS confusing, but not impossible to work through. We too are departing on June 3re (PM flight from Boston, arriving Shannon on the morning of 4 June). Am renting a mini-van (6 Adults)through Atlas Car Hire and are waiving the CDW coverage in order to use my MasterRental coverage on my MBNA Platinum MasterCard. I have done this in Ireland SIX times, in the last six years and have never had any problems. If you opt to BUY CDW coverage, you are still on the hook (Liable) for the first 1,000-1500 Euro's damage (in the event of an accident)UNLESS you buy the EXTRA, SUPER-CDW at 7-12 Euro MORE, PER DAY. Even then, you would still be responsible for the first 100 Euro or so. With the FREE MasterRental coverage on the Gold and Platinum MasterCard, you pay NOTHING. There are exceptions, rules and exclusions, of course*, but that's it, in a nut shell.
To VERIFY that your card provides coverage IN IRELAND, call 1 800 MCASSIST. This is a MasterCard benefit, not a function of MBNA or AT&T or whoever ISSUED your card. MBNA people have told me both that I was AND wasn't covered, but the TRUE answer comes FROM MASTERCARD.
Also, not all rental car companies ACCEPT the MasterRental -- apparrently, it is at their option??? , but if the do accept it, it will say so on their website.

*Some examples: windshields (windscreens) and tires are covered by no one, it seems. If you get a flat, you must get it fixed or replaced, or the company will charge you to take care of it, whether you buy ALL the extra insurance, or none of it.

I've not been active on here for a while. But I copied/pasted something from a post that I made right after we got back.. as we did some thoroughly exhaustive research on this, since it was so confusing. I think it helps explain what's going on...(so long as policies haven't changed recently). You can also click on my name and it should bring up my posts, any title that has CDW or Insurance in it should have some answers and good discussion... along with others' comments.

<<post from 8/04>>
Ok - we did a lot of research on this before we went in June.
Along with what Budman said, I used my Platinum M/C and had no problems. But I also went thru Hertz directly (cuz they gave me the best price at the time for 2wks).

Now, my M/C people said they cover you in Ireland, give you the letter, etc etc. Fine. I actually got two letters.. the second one actually stated they covered me in ireland, whereas the first letter didn't have that sentence.
Anyways, because I was getting the runaround and different answers every time, I called the Hertz airport counter in Shannon to ask them, since that's who i was getting a car from. They said, they know about the M/C coverage, they accept it, they just looked at my letter, and they said they do not put a 2000eu "hold" on my credit card. Now, looking at my contract, I don't think they did, so that was good, but I didn't have to find out for sure either, no accident.

I'm not sure about the TC that says "Ireland no longer accepts"... because it's up to the rental agency to accept or decline your M/C coverage. Ireland as a country doesn't decline it.

The SuperCDW, imo, is a crock. Some people take it for piece of mind, but it's their way of making your deductible zero. As Budman said, it's the agencies way of making sure they have the money up front in case you do damage. So, even if you take the rental agencies CDW, you pay for that, but you STILL have a deductible of so much $$. Then , if you want to have ZERO deductible (except tires, they're never covered), then you can pay EXTRA to bring that deductible to zero (known as SuperCDW).

So - how long are you going, where you going, and what type of car are you getting? I know accidents happen, but if you're careful and don't just run into anything, yo've got a good chance of not having an accident. All the cars at Hertz were already shrubbery scratched and ridiculous-condition hubcaps, so I wasn't too worried about adding to that.

Having used Hertz only, and having no issues, as well as others not having had issues, I'd say use the M/C coverage.... but see if you can use another agency that won't "freeze" that money on your card, but I think most do... if you're not worried about that "freeze", then you can still use your M/C, and not have to pay AutoEurope for CDW. Then if you did get in an accident, AutoEu would use that "frozen" amount on your card to pay for the damages.

If you're under 30, I don't think you can even get the additional SuperCDW (for zero deductible)... unless the agency has a special setup where it doesn't matter. Also, you can't JUST take the SuperCDW, you have to buy AutoEu's CDW first, and then on top get the SuperCDW.

Long explanation, but hopefully it helps clear things up a little. EIther you pay and arm and a leg to make sure you don't have to pay for major repairs, or, you just use you M/C, let them freeze that amount and assume you won't get in an accident. That frozen amount means you cannot use that amount for purchases on your credit card.. so take another cc with you. But they don't charge anything to your card up front, they just freeze it.

I didn't really find driving over there too hard, and it was first time driving left. Some people find it nerve-wracking, others find it easy. Use a slow pace of driving, and you just have to be alert on the narrower roads (as well as highways). We had an automatic and made things easy.

By the way, booking through Hertz direct was the best way for us.. Cheapest rate, and least run-around hassle. We almost went with Dan Dooley or O'Scannlian or others, but they said they require you to buy some of that insurance, I believe. We had no issues, mid-late June for us was easy, very little traffic anywhere.

You can save a few bucks if you don't get A/C. In June for us, it was high 60s most of the time, no A/C needed. You might also check any frequent flier programs you're with for random discount promotions. I had checked united or american at the time, and got a 10 or 20% discount coupon code online that I used.

We were paranoid at first with the whole accident thing, but the biggest worry I think is blown tires, which isn't covered by anything anyways. So M/C free insurance coverage seemed like the way to go! They included pretty much everything, including windshield cracks, and fire!

Just got back from Ireland in March. I went through all the same questions. Here's what we did. If you pay with your Platinum MC - be sure to get what they cover in writing before you pay. It must say Ireland is covered. We got a letter that actually read "Ireland included" or something like that. Then waive the CDW. You're still responsible for the deductible. Which I wasn't aware of when we got there. Our rental agency gave us two options for the deductible. 1. A small daily fee that we paid when we picked up the car. 2. waive option 1 and pay $1000 if anything happened to the car. We took option 1. Hope this helps.

yale - who was your car rental agency, and how much was your small daily fee?

Hertz had nothing in our contract about any deductible, or hidden charges, and we specifically asked. Greatfully we had no accidents to find out. Our car was pretty scratched up and hubcaps beat up anyways, so we weren't too worried, we just made sure to point everything out and added to their car "markup" sheet.
And yes, Platinum MC will send you a letter - get it, make sure it says Ireland covered. Hertz didn't even look at it cuz they knew all about it, but it's definitely good to have.

I just got back from Ireland last Friday (April 29) and I rented a car using my Platinum Mastercard which does provide CDW. I rented from Avis in Dublin and saved about 10-15 euros a day doing this. However, I had to inital the form that, in the event of an accident, I was responsible for the value of the car - about 13,000 euros. I think that my CDW covered me for up to $50,000 but I did have some second thoughts about agreeing to be responsible for 13,000 euros. I trusted in my CDW and, fortunately, I did not have to find out how CDW works. I had a brand new car (322 km on it when I rented it and 2007 km when I returned it) and I had no problems. However, the drivers in Ireland are horrible (the country roads are all very narrow - designed for two horses - not two cars) and they don't expect anyone to be on the road other than themselves. I did have some very close calls. The roads are narrow and winding and you can't see around the corners because of the hedges so there were several times that I had slowed down to a crawl (2-3 mph) as I edged around a corner only to have a car barreling around the corner right at me. I was very lucky. I asked Avis when I returned the car what percentage of drivers get into accidents and they told me that it is about 25% in the summer. The issue comes down to whether you want to pay an extra couple of hundred dollars for peace of mind or save that money and take your chances with CDW.

thank you all... well, first - itallian_chauffer, if you are on AA, we will be on your flight. .. also, i decided to use my MC Platinum card to waive CDW. We went through Budget. They have a place on their site specifically for waiving the CDW using MC Platinum or Gold... and i spoke with MC and it all sounded good to me. Also says they will pay the deductible. So - i'm thinking i dont have to purchase any more insurance. ?.

Today is the first day i am resting.. so much reading (thank you again!) and planning.. i feel like i have my itinerary down and will be able to enjoy Ireland when we get there.

one more thing.. i opted to spend 3x as much on an automatic... for peace of mind and being able to enjoy every minute without that little added stress of remembering to shift with my left hand.. we'll just have to stick to a closer food budget.

callalilli --

Interesting choice of screen name. They are my daughter's favorite flower. Yes, we will be sharing your AA flight #211. We will be the rowdy bunch occupying ALL SIX seats in row 31, if AA doesn't mess with our assignments AGAIN!
Four of us are returning on the AA flight out of Shannon on the 15th. We are heading down to Cork City first thing, as we have a party waiting for us Saturday night. Can't wait!! Only four weeks from today!!

one of my favorite flowers also.. i was looking at some in a vase when i chose the screenname..
sounds good.. actually flight is 212, no? i and my son (age 19) will be in row 25. we are going to stay close by in Bunratty first night..then castlegregory (Shores) making our way south and around, up to Athelone to see a friend who's going to school there and out of Dublin to London on the 9th. not a heck of a lot of time, but exciting none-the-less. i've gleaned a ton of your wisdom over the past few weeks.. funny that we will be on the same flight. the countdown has started!

Call your insurance agent.

I am finding this insurance business very confusing. Just in the middle of looking at rates in Italy for Sept. It appears that I can get a MUCH better deal, when everything is included, by picking up a car in Zurich and driving south for a few hours. Still checking on this, but Italian rental rates PLUS insurances (there appear to be several) seem to be sky high. Have to check with some others. Can anyone offer me some advice on this?

It would be interesting to hear from someone who: waived the CDW and had an accident; accepted the CDW and had an accident. We've been to Ireland many times, waived the CDW with MBNA card but, fortunately, never had to see if the system worked.

I think it's one of those things that you only know if it works if someone has actually had to test it.

Anyone out there had a fender bender in Ireland?

Dan Dooley was the rental agency. We paid about 8 euro per day (?). Can't remember for sure. We had a few scratches when we returned it too and they didn't blink an eye at us.

Hi rick,

>It would be interesting to hear from someone who: waived the CDW and had an accident; ...<

Search for "Patrick" on this forum. It took a while, but he didin't have to pay a penny after he totaled his car.

Hi allan,

Check with the rental agency in Zurich to make sure that you are permitted to take the car to Italy.

((I))

callalilli: Yes, and yes. You are correct, that you should not need any extra insurance. In fact, you CAN'T buy extra, if you are using MasterRental. Doing so would VOID the MasterRental coverage. Doubtless, lots of people, exhausted by the overnight flight, PANIC when they have to initial that box that says they agree to be responsible for the cost of the car, etc. etc. Keep a stiff upper lip.

You are also correct on the flight number,212 is the RETURN flight from Shannon. Dunno how AA has been for you, but they have made changes to our reservations three times, so far (although, admittedly, MOST were minor and took place PRIOR to the inaguration of their first Ireland flights). The first change was a DOOZY, though. Four of us had booked a 4PM flight out of Orlando and AA arbitrarily rebooked us onto a 10AM flight! Took two days to correct THAT and it turns out that they hadn't cancelled the 4PM flight, merely CHANGED the flight NUMBER! Needless to say, I was a wee bit cranky. Emailed AA to complain and they sent me an automated response two days later, saying that 'someone will look into your complaint and get right back to you'. In the meantime, I called, and got my flights corrected over the phone. 'Computer error' was the excuse I was given. Over a week passed without any reply to my email - no call or anything - when a letter arrived from AA, apologizing for 'any inconvenience' and giving me a $250 AA Voucher. Still haven't heard from a live, hunman type.
I think I'll wait until after my trip to decide if I will ever cash that voucher.

OOPS! 211 is Return, 212 is the Departure. Do this late at night (for me). I tend to get a bit dyslexic, then.

Bob

thanks... i have already written myself a note to NOT accept any insurance once i get there. i appreciate your reassurance. as far as AA, i dont fly them much but i'm sure they are the same as most when it comes to schedule changes, and will make sure to re-confirm and keep an eye on the flights. ... quick question.. do you think a letter from MC is necessary? what should it say, exactly?

definitly necesary! Always have proof, get it in writing. If problems occur you have tangible documentation! Think of it as your proof of insurance that you keep here in the US if you are ever pulled over!

My letter is 5 paragraphs long on their letterhead with my name and address. unless in "quotations" I took the liberty of paraphasing a few yadda, yadda things. I also received a foldout guide to benefits that is a duplicate of the one I received when opening my account but it is always best to have the latest one.


the letter...
1- Thanks for interest in mc assist

2-"Providing your rental meets the criteria outlined in the guide to benifits, MasterRental coverage is provided for covered private passenger motor vehicles rentals that do not exceed 15 consecutive days"

3- a few exclusions (liability, medical) and a few "within the U.S." rental things

4- "Coverage should be acceptable to all rental agencies within the continental US and abroad. Your guide to benefits indicates that each foreign country may have different laws concerning your ability to decline the Collision Damage coverage offered by the rental agenccy."
( a few more sentences here on that info)
"Some foreign rental agencies may not accept, and in some cases, ordinances may not allow for acceptance of MasterRental coverage. MasterRental coverage continues to be available in the countries of Israel, Ireland and Jamaica, subject to all terms and conditions of coverage as outlined in your guide to benefits"
(then says to always check with the agency to verify acceptance of letter/program)

5- pleasant trip, call if question.



Now, my 1st call was through customer service and I never received a letter. My 2nd call was to the same # but I went through the claims department and seemed to have an easier time. I called on April 5th, my letter is dated april 5th but the post date on the envelope was May 2nd and I received it on May 6th.

You may want it faxed. When you listen to the promps you are also told that all of this current Guide to Benefits is valid through September 2005 but you can call for update as early as August to verify benefits have remaine the same for October and later.

Hope this has helped!

thanks much, 12 !! I'll have 'proof' in hand.

I just got a response to my March 28 letter to MasterCard Assistance Center on this issue. It says
"Providing your rental meets the criteria outlined in the Guide to Benefits, MasterRental coverage is provided for covered private passenger motor vehicles rentals that do not exceed 15 consecutive days.
MasterRental does not include any liability or medical coverage of any kind. Additionally, there are some states within the United States where specific state requirements may limit the scope of this program’s coverage. Please refer to your Guide to Benefits for complete program terms and conditions.
Coverage should be acceptable to all rental agencies within the continental US and abroad. Your Guide to Benefits indicates that each foreign country may have different laws concerning your ability to decline the Collision Damage coverage offered by the rental agency. Additionally, each rental agency may have separate rules regarding your ability to reject the coverage they offer. While in most cases MasterRental coverage sufficiently meets your needs, the rental agency or applicable local ordinance may require you to purchase additional insurance. Some foreign rental agencies may not accept and in some cases, the ordinances for that foreign jurisdiction may not allow for the acceptance of the MasterRental coverage. MasterRental Coverage continues to be available in the countries of Israel, Ireland and Jamaica, subject to all terms and conditions of the coverage as outlined in your Guide to Benefits. We suggest that you check in with the foreign rental agency you will be using prior to your trip to determine their acceptance of your MasterRental coverage.
Should you require further assistance please do not hesitate to contact the MasterCard Assistance Center at 1 800 622 7747."

I hope this helps.

There are I think 3 ways you can get the letter from them: Snail mail, email, and fax.
My suggestion (from experience) is to call 3 different times and ask for them to send you that letter each of the 3 ways. (Don't ask on the same phone call). I think it took 1-2 months to get the snail mail one, but was a week or two to get the fax one. I never did receive the emailed one.
Bottom line, don't wait around for one of the ways to come through. With all 3 requests, you hopefully will get one before you leave.

And just make sure with your rental company about the deductible. Even with the letter, we had to pay that fee for the deductible or they wouldn't let us have the car.

I am confused.If you use your MasterCard for CDW,there is no deductable.It is my understanding that if you pay any ammount to the rental firm for insurance than your MasterCard coverage is void.

We were too. But then we read through the entire thing (the little brochure and letter) again, at the rental desk mind you, and it didn't say anything about the deductible. It just said we had to decline the rental company's CDW, which we did. We were caught off guard by this upon arrival. Just check with MC and your rental company in advance if you're unsure.

I should add that I worried about that little detail haunting us our entire trip. Luckily nothing happened to our car. The next time we go to Ireland I'll be sure that I've covered that as well. It may just have been our rental company. I don't know.

I wonder why there would be a fee for a deductible.. Isn't the deductible just for when/if there is a claim? How much was the fee?

callalilli:

I think yale got took! Sounds like he bought the CDW in disguise.
As I understand it, you are agreeing to be responsible by waiving the insurance, and yes, THEY WILL BILL YOU (actually, your MasterCard) for damage, but MasterRental reimburses you. If you are running close to your credit limit, it could make London difficult, if that is your only credit card.

We are heading to Cork City (actually, Watergrasshill) for a suprise 40th birthday party for one of my wife's relatives. We will be in Killorglin (half way between Dingle and Killarney) on Monday night. We're renting a house there for the week, and daytripping from it. We also have a 19 year old with us -- my wife's cousin is bringing his son to Ireland for his first ever trip abroad. His dad backpacked through back in 1970 or thereabouts, as a 17 year old and is just now returning. We are also bringing my wife's brother and his wife, who've never been.

Where are you planning to go after Dingle?

Hi Itallian_Chauffer -- thanks for the reassure. My son rolled in to town yesterday from college. We went to lunch and I got to show him the itinerary..SO FUN! from Dingle we are staying at Cahir (monday night) (Carrigeen Castle - we're up for the challenge of the very strict Peig Butler that many posts have referred to). I have not figured out what to do on the way.. we have to check in between 4-6p sharp. So - -any suggestions for what to see along the way? We had originally planned on going to Cobh (planning to miss the blarney stone just for sanitary reasons -j/k) but it may be too much driving - Dingle, Cobh, Cahir - for one day. What do you think? I'm starting to think we should have planned to stay in one place more than one night.. for relaxation sake. But being our first trip, want to get much in. It would be fun to meet up with you guys somewhere. I cant believe its coming so soon.. my head is swimming with things to remember to take, etc. How cold to you think it will be? I don't even own a jacket. (we're coming from AZ). Going shopping on monday -- Since you've traveled so much.. any last minute suggestions for me?

cal: Weather is changeable, but expect high 60's by day and mid-to-upper 50's by night. A light wind/rain jacket is definitely in order. The trick is LAYERS, that you can add and remove as necessary. You can pick up inexpensive fleece jackets, etc. at Dunnes (but don't tell Peig you shop there!) You might see 70-72, but I wouldn't count on it. You will most likely see some rain, though June isn't too bad...
My wife and I stayed with Peig in April of '01. We enjoyed Carrigeen AND her, but she is VERY businesslike and brusk, by Irish standards. If you get there early, pop down to Cahir Castle for a tour, it's only a few minutes away.
Driving from Dingle to Cahir by way of Cohb IS a bit much, but I don't know the rest of your itinerary or "wish list" on sites. Are you planning to drive from Dingle through Killarney and Kenmare (well worth the drive) or some other route? More direct would be direct, through Adare (picturesque) and you could stop along the way to see Lough Gur with only a small detour, then catch Cashel either that afternoon, or the following morning.
Are you heading back West after Cahir, or continuing on toward Dublin?

For info, but driving time is too conservative, add an hour or so PLUS time for stops at places like Ladies View, Killarney, etc.

Route Planner
Here are the results of your route
To print select FILE then PRINT


From: Dingle,Kerry
To: Cahir,Tipperary
Via: Kenmare,Kerry

Total Distance: 156.2 miles
Total Time: 4 hr 5 min

Acc Dist Route Directions

0.00 0.00 N86 Start out at Dingle,Kerry
Follow signs Tralee N86
5.20 5.20 N86 Lispole


10.70 5.50 R561 Junction with R561
Turn right R561 (signposted Inch) then bear right again
15.50 4.80 R561 Inch


25.10 9.60 R561 Boolteens


27.50 2.40 N70 Castlemaine
Turn right N70 (signposted Killarney)
29.50 2.00 R563 Milltown
Turn left R563 (signposted Killarney) In 1 mile bear right
34.10 4.60 R563 Faha


37.40 3.30 R563 Aghadoe


37.70 0.30 N72 Junction with N72
At T-junction turn left N72
40.20 2.50 R876 Ballydowney Roundabout (Killarney)
At roundabout take 3rd exit R876 (signposted Town Centre)
40.90 0.70 N71 Killarney
Follow signs Kenmare N71
45.40 4.50 N71 Torc Waterfall (entrance on left)


52.20 6.80 N71 Ladies View Viewpoint (on right)


55.20 3.00 N71 Moll's Gap Viewpoint (845ft)
Turn left (signposted Kenmare)
61.40 6.20 N71 Arrive at Kenmare


- - - Section time 1:44, Total time 1:44
You have reached your destination.
61.40 0.00 R569 Start out at Kenmare,Kerry
Follow signs Cork R569
68.20 6.80 R569 Kilgarvan


70.90 2.70 R569 Morley's Bridge


77.40 6.50 N22 Junction with N22
Turn left N22 (signposted Killarney)
80.70 3.30 R570 Glenflesk
Turn right R570 (signposted Rathmore)
84.40 3.70 N72 Barraduff (Junction with N72)
Turn right N72
90.40 6.00 N72 Rathmore


105.40 15.00 N72 Banteer Crossroads
At crossroads forward
115.90 10.50 N72 Mallow Racecourse (on right)


117.10 1.20 N72 Mallow (Junction with N20)
At roundabout take 2nd exit (signposted Waterford, Mallow)
117.80 0.70 N72 MALLOW (Town Centre)
Follow signs Waterford N72
119.80 2.00 N73 Junction with N73
Turn left N73 (signposted Dublin)
131.30 11.50 N73 Kildorrery


138.60 7.30 N8 Mitchelstown
Follow signs Dublin N8
142.60 4.00 N8 Kilbeheny


155.00 12.40 R670 Junction with R670 (south)
Turn right R670 (signposted Cahir, Clonmel)
156.20 1.20 R670 Arrive at Cahir


- - - Section time 2:21, Total time 4:05
You have reached your destination.


© Automobile Association Developments Limited

This is to give you an idea of how such a small country takes so much time to get around. You could EASILY spend 8-10 hours driving this route with all the potential scenic stops, etc.

Yikes! If we took 8hours to get to Cahir, we'd have to leave by 10am to make it by check-in time.. or we'd be out on the street. I'm guessing we would not make any more stops after Mols Gap (?) and bookit to Carrigeen Castle. I don't want to go back up toward Adare tho. After that we'll see Cahir Castle and Rock of Cashel the next day, then we are heading up to Athlone to see a friend. I want to go to Clonmacnoise and also see Charle Castle. A friend of a friend here, is involved in renovations (?). Then to Dublin and staying in Malahide before flying out.

My 'wish-list' has changed since I started this quest.. At first I wanted to see all the tourist spots - (Blarney stone, waterford, guinness)but the more I realized I don't have much time, the more I am opting for relaxation, beauty, a few pubs, Ireland. Definitely not looking forward to hours driving, but I think thats what I've done. It will be wonderful though, I'm sure.
Thanks for the weather report. 50's to 60's sounds perfect to me! We hit 100 today I think.

I was there the third week of May one year and the newspaper headline was "Sizzling Seventies". If that was "hot" and headline breaking temps, I think your expectations are right on target! :-)