Cruisers Forum
 


Reply
 
Thread Tools Search this Thread Rate Thread Display Modes
Old 09-06-2020, 10:36   #1
Senior Cruiser
 
hpeer's Avatar

Cruisers Forum Supporter

Join Date: Dec 2008
Location: Between Caribbean and Canada
Boat: Murray 33-Chouette & Pape Steelmaid-44-Safara-both steel cutters
Posts: 6,814
Foreign Country Car Rental Insurance

Havenít had a insurance claim in 25 years, at least, and that was a stolen vehicle.

Until Friday. A real ďOoopsiesĒ that was my fault. I did a substantial amount of damage. No degree injury whatsoever ever, except to ego and wallet.

As I didnít run into another vehicle the rental insurance called it ďcareless drivingĒ. My personal car insurance covers rentals in USA, Canada and some in Mexico only. Credit card had removed that coverage back in September. So Iím personally out $4,500 or so.

My question: is there some kind of international rental car insurance available? Your experiences and advice appreciated.
hpeer is offline   Reply With Quote
Old 09-06-2020, 11:42   #2
Registered User

Join Date: Nov 2019
Posts: 1,698
Re: Foreign Country Car Rental Insurance

Quote:
Originally Posted by hpeer View Post
Havenít had a insurance claim in 25 years, at least, and that was a stolen vehicle.

Until Friday. A real ďOoopsiesĒ that was my fault. I did a substantial amount of damage. No degree injury whatsoever ever, except to ego and wallet.

As I didnít run into another vehicle the rental insurance called it ďcareless drivingĒ. My personal car insurance covers rentals in USA, Canada and some in Mexico only. Credit card had removed that coverage back in September. So Iím personally out $4,500 or so.

My question: is there some kind of international rental car insurance available? Your experiences and advice appreciated.
Not that I know of
slug is offline   Reply With Quote
Old 09-06-2020, 11:49   #3
Moderator
 
Dockhead's Avatar

Cruisers Forum Supporter

Join Date: Mar 2009
Location: Denmark (Winter), Helsinki (Summer); Cruising the Baltic Sea this year!
Boat: Cutter-Rigged Moody 54
Posts: 30,148
Re: Foreign Country Car Rental Insurance

American Express covers you almost everywhere and the coverage is included free if you use the card for the rental. I had a claim in the UK and they were great.

Just because it was your fault or a one cares accident doesn't normally invalidate coverage - did you read the policy?
__________________
"Parce que je suis heureux en mer, et peut-Ítre pour sauver mon ame. . . "
Dockhead is online now   Reply With Quote
Old 09-06-2020, 12:00   #4
Registered User

Join Date: Nov 2019
Posts: 1,698
Re: Foreign Country Car Rental Insurance

Iíve never had an American Express

Looks interesting

https://feeservices.americanexpress.com/premium/car-rental-insurance-coverage/home.do

Some countries not covered

Best to ask
slug is offline   Reply With Quote
Old 09-06-2020, 12:08   #5
Registered User

Join Date: Jun 2019
Location: Ensenada
Boat: 1970 Willard 36 Trawler
Posts: 1,396
Re: Foreign Country Car Rental Insurance

American Express has a Premium Services offering that is a flat-fee - usually around $25 - for each rental of up to 42-days. When AmEx was with Costco, I used it for business travel rather than my personal insurance as the AmEx Premium Service is primary insurance vs free credit card insurance is secondary.

It covers some countries, but you have to be careful. Mexico, for example, requires Mexican insurance for personal injury. But liability as in Dockhead's case would be covered (my understanding - please do not take my word for it).

Sorry to hear of your accident. Lousy to have an accident, especially far from home. Hope only damage was metal.

Peter
mvweebles is online now   Reply With Quote
Old 09-06-2020, 12:10   #6
Senior Cruiser
 
hpeer's Avatar

Cruisers Forum Supporter

Join Date: Dec 2008
Location: Between Caribbean and Canada
Boat: Murray 33-Chouette & Pape Steelmaid-44-Safara-both steel cutters
Posts: 6,814
Re: Foreign Country Car Rental Insurance

Quote:
Originally Posted by Dockhead View Post
American Express covers you almost everywhere and the coverage is included free if you use the card for the rental. I had a claim in the UK and they were great.

Just because it was your fault or a one cares accident doesn't normally invalidate coverage - did you read the policy?
Which policy?
My car insurance? My agent had an accident in St Marrten and she could not get covered. Iíve defied notification that only USA, Canada and Mexico were covered.
My credit card? The coverage was removed last September, change of conditions notification
The rental policy? It was <$10/ day, I donít hunk it covered much.

This is water under the bridge and as Iím exiting Friday Iím not fighting with anyone here. Everyone is everyoneís second cousin, know when you are licked gringo.

Iím looking for future advice.
hpeer is offline   Reply With Quote
Old 09-06-2020, 12:12   #7
Senior Cruiser
 
hpeer's Avatar

Cruisers Forum Supporter

Join Date: Dec 2008
Location: Between Caribbean and Canada
Boat: Murray 33-Chouette & Pape Steelmaid-44-Safara-both steel cutters
Posts: 6,814
Re: Foreign Country Car Rental Insurance

I’ll have to look into AmEx then.

Thanks

The damage was all metal,
Although my mental state may be questioned. LOL

I hit the curb of a one lane bridge. Dominica. No markings can no paint, no guard rail. All kinds of ego saving excuses come to mind. Thankfully I was going real slow as we were early for lunch.

I THINK what happened is the impact separated the half shaft, which pulled me left over the curb so that the left side of the car was over the water. I managed to keep the car over center on the road.

Scary as ****! The impact was bad enough but the sense we were going over the bridge, terrifying. It lasted all of 3 seconds. Far too long.

But neither of us had narry a bruise nor a sprain. And for that I’m extremely greatfull. I’m a happy man.

Well, a happy poorer man.
hpeer is offline   Reply With Quote
Old 09-06-2020, 12:25   #8
Registered User

Join Date: Apr 2019
Boat: 1988 Sunward 48' Ketch
Posts: 56
Re: Foreign Country Car Rental Insurance

USAA offers auto insurance overseas. When we owned cars, the coverage was the same as for our vehicles; however, now that we have a non-owner policy, USAA provides only liability. Therefore, I’ve started buying the extra coverage from Orbitz or the rental car company.
dlane1181 is offline   Reply With Quote
Old 09-06-2020, 12:32   #9
Registered User

Join Date: Oct 2012
Posts: 157
Re: Foreign Country Car Rental Insurance

Many travel (airline associated and maybe some other )credit cards offer it: I know United one does and it is primary coverage. I actually email them prior to a trip and request coverage letter just to make sure of condition.
alex_sauvage is offline   Reply With Quote
Old 09-06-2020, 12:32   #10
Registered User

Join Date: Aug 2010
Posts: 1,988
Re: Foreign Country Car Rental Insurance

You can often get temporary insurance from the rental company for the duration of the rental period. When I rent within the US, I wave it as my auto policy will cover rentals.

I've never rented internationally and couldn't confirm that this is always an option, but it's worth asking about.
Shrew is offline   Reply With Quote
Old 09-06-2020, 12:32   #11
Moderator
 
carstenb's Avatar

Cruisers Forum Supporter

Join Date: May 2012
Location: At sea in the pacific - 5 years full time blue water cruising
Boat: Jeanneau Sun Fast 40.3
Posts: 5,508
Images: 1
Re: Foreign Country Car Rental Insurance

maybe you should think about changing credit crd suppliers. OUr mastercard covers even if don't use it to rent the car
__________________
I must go down to the seas again, to the lonely sea and the sky,
And all I ask is a tall ship and a star to steer her by

www.svcapri.com
carstenb is offline   Reply With Quote
Old 09-06-2020, 12:35   #12
Registered User

Join Date: Dec 2011
Posts: 1,300
Re: Foreign Country Car Rental Insurance

Some rental car insurance (credit cards) is only good for 30 days. This could be domestic as well as foreign. A friend got mouse-trapped by that in France. She damaged the car, turned it in immediately, but it was more than 30 days. Too bad. The tab was $2,700US. She was informed that if you need a vehicle for more that thirty days, return it early and rent a new one to start the clock over.
jmschmidt is offline   Reply With Quote
Old 09-06-2020, 12:36   #13
Registered User

Join Date: Apr 2013
Posts: 8,913
Re: Foreign Country Car Rental Insurance

Dig around different credit cards offer different coverage.
Talk to your insurance agent to see if they can add a rider (if not call around to other agents)
Buy the car rental companies insurance.
valhalla360 is offline   Reply With Quote
Old 09-06-2020, 12:51   #14
Registered User

Join Date: Aug 2018
Location: Somewhere in the Caribbean
Boat: Grand Banks Aleutian 64
Posts: 105
Re: Foreign Country Car Rental Insurance

I always take all insurance available when renting outside the US. Too many gotchas if you have car rental problems outside the US.


Although I have AMEX and Chase Sapphire and they provide some coverage, it is not worth it to rely on it outside the US.

Yes, it does cost about double the daily rental costs to take the rental car insurance but if you ever have an accident....

Sorry for your loss.
garychurch is offline   Reply With Quote
Old 09-06-2020, 13:27   #15
Registered User

Join Date: Nov 2019
Location: Kemah, TX
Boat: Catalina 387
Posts: 3
Re: Foreign Country Car Rental Insurance

Iíve rented extensively in Europe and usually use my credit cardís insurance, as itís primary when out of the USA. When renting in Italy, Ireland or any other country that Iím not totally familiar with, I reserve through Auto Europe and get the CDW through them. Their rates beat anything I could get for full coverage, even being in the rental car companyís elite club. Iíve been reserving through them whenever I rent in Europe, even when Iím using my credit card insurance for their customer service and rates.

That doesnít help with Caribbean rentals but keep them in mind if youíre in Europe. Actually, it might work in the French or Dutch islands. Iím not affiliated with them in any way but as a happy customer.
R.Boyd is offline   Reply With Quote
Reply

Tags
insurance

Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Cost of leaving boat in foreign country for 6 months NicolasGignac Sailor Logs & Cruising Plans 28 14-12-2017 20:00
HF transmission on ham frequencies while sailing through a foreign country dannyjoh Rules of the Road, Regulations & Red Tape 21 29-07-2016 13:53
Foreign country Pump out systems northwestsailor Plumbing Systems and Fixtures 19 23-08-2015 14:39
Owner dies while boat is in a foreign country? foothillsailor Boat Ownership & Making a Living 2 20-08-2015 14:46
What Papers Are Needed When Sailing from Country to Country? Cavecreature Rules of the Road, Regulations & Red Tape 17 04-10-2009 13:39

Advertise Here


All times are GMT -7. The time now is 03:54.


Google+
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2021, vBulletin Solutions, Inc.
Social Knowledge Networks
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2021, vBulletin Solutions, Inc.

ShowCase vBulletin Plugins by Drive Thru Online, Inc.