car rental insurance, i'm baffled
#22
Joined: Jan 2003
Posts: 74,699
Likes: 0
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.

>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.

#23
Joined: Jun 2004
Posts: 1,647
Likes: 0
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.
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.
#25
Original Poster
Joined: May 2005
Posts: 461
Likes: 0
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?
#26
Joined: Feb 2005
Posts: 355
Likes: 0
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!
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!
#28
Joined: Mar 2005
Posts: 21
Likes: 0
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.
"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.
#29
Joined: May 2004
Posts: 139
Likes: 0
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.
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.
#32
Joined: May 2004
Posts: 545
Likes: 0
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.
#33
Joined: May 2004
Posts: 545
Likes: 0
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.
#35
Joined: Jun 2004
Posts: 1,647
Likes: 0
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?
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?
#36
Original Poster
Joined: May 2005
Posts: 461
Likes: 0
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?
#37
Joined: Jun 2004
Posts: 1,647
Likes: 0
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?
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?
#38
Joined: Jun 2004
Posts: 1,647
Likes: 0
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.
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.
#39
Original Poster
Joined: May 2005
Posts: 461
Likes: 0
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.
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.

