aussiedom
Intern
- Joined
- Jan 8, 2010
- Posts
- 51
No idea if anyone is still following this thread - I haven't looked at it in over a year! Admel and beardoc, you are right in that the SLI/EP (liability) insurance is the hardest element of the whole USA car rental insurance issue to crack. Australia is gradually catching up to the US in that AMEX Rewards Advantage and AMEX Platinum will now cover CDW/LDW for rentals, up to a limit that should be adequate for the vast majority of car rental scenarios. This has long been the case in the USA - renting with a 'Gold' card will provide CDW/LDW for most Americans, even if they are a New Yorker who doesn't own a car and therefore cannot get insurance for rental cars based on their own car insurance policy at home!
Anyway, I have never found a decent way to purchase SLI liability insurance as a foreigner (there are definitely options for Americans who don't have their own car insurance policy). But, as I have said earlier, I have found the UK sites of the major rental firms ('all inclusive' rates) to be consistently cheaper than going through the US sites and adding SLI/EP (but not CDW/LDW as you have it via AMEX etc).
As some have said, the coverage provided by travel insurance or AMEX travel insurance via ACE does not include any liability insurance, so you are really exposed if you are relying on that coverage when renting in the US. I'm pretty sure most Aussies have no idea they are exposed to the extent they actually are, when they rent in Nth America under these conditions. The ones who've rented via travel agents, holidayautos.com etc are fully covered, but have paid well over the odds for that coverage.
Anyway, I'm glad this thread has proven helpful to some readers...
Dom
Anyway, I have never found a decent way to purchase SLI liability insurance as a foreigner (there are definitely options for Americans who don't have their own car insurance policy). But, as I have said earlier, I have found the UK sites of the major rental firms ('all inclusive' rates) to be consistently cheaper than going through the US sites and adding SLI/EP (but not CDW/LDW as you have it via AMEX etc).
As some have said, the coverage provided by travel insurance or AMEX travel insurance via ACE does not include any liability insurance, so you are really exposed if you are relying on that coverage when renting in the US. I'm pretty sure most Aussies have no idea they are exposed to the extent they actually are, when they rent in Nth America under these conditions. The ones who've rented via travel agents, holidayautos.com etc are fully covered, but have paid well over the odds for that coverage.
Anyway, I'm glad this thread has proven helpful to some readers...
Dom