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Are there any uk credit card providers who offer car rental insurance for USA?

Discussions relating to Personal Injury Law

Are there any uk credit card providers who offer car rental insurance for USA?

Postby starling » Wed Mar 21, 2012 10:40 pm

I would like to hear from anyone who has used their UK credit card to pay for car rental in USA. Has the card offered any benefit to you? In California, when you go to rent the car, you are offered 3 options; 1. PAI - Personal accident insurance (covers yourself, injury, death etc); 2. Damage waiver (covers damage to the rental vehicle); 3. Personal Liability (covers you incase you are sued by another person, or the establishment for damage to property as a result of you crashing into something/someone).
All of these options, if taken, add up to a substantial amount of money! Sometimes doubling or tripling the daily cost of renting the car. I have heard of some credit cards offering a basic level of insurance for renting a vehicle. Do you know which card companies offer this?
I have 3 credit cards, all of which I have contacted already and they tell me I have no coverage for such thing. These cards are Halifax Mastercard, BA Amex, & Post Office Platinum MC.

Any advice would be greatly appreciated!
starling
 
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Are there any uk credit card providers who offer car rental insurance for USA?

Postby winwood » Wed Mar 21, 2012 10:48 pm

I think I would post this in the Financial forums.
I know of some American credit card companies that used to offer this. But I cancelled those cards years ago, and I'm not sure it's offered any more.
winwood
 
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Joined: Sat Apr 02, 2011 2:00 pm

Are there any uk credit card providers who offer car rental insurance for USA?

Postby hawiovi » Wed Mar 21, 2012 10:49 pm

If you find such a card, be VERY careful before waiving insurance. They may leave you on the hook for more that you realize. Have you contacted your own insurance carrier to find out if and to what extent you may already be covered? And can they extend you a more affordable policy that the car rental company.
While it may be prudent to carry the maximum coverage to limit your potential liability, the only coverage you are compelled to carry is some type of personal liability (the #3 on your list). If you have driven in the US before and you are not planning on spending significant time driving especially in cities, roll the dice and just take the liability. If you are at all uncomfortable with driving in the US, spend the extra (ludicrous) bucks for peace of mind. In the long run it will be worth it.
hawiovi
 
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Joined: Sat Apr 02, 2011 6:02 am


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