This is what I think:
I am a New Yorker & don't own a car; thus, no car insurance. FOR ME, as US Citizen & New Yorker, CDW/LDW is NOT automatically included in my rate.
Here's where we differ:
Now I see you are from London. So if you reserved through
www.budget-uk.com. It is included in your rental contract as that's a Europe thing.
I see from the T&C's from Budgets UK website:
JFK T&C w/Budget UK
Your Quote Includes:
Unlimited Miles
Local Tax
TRANSP FAC CHG
Additional Liability Insurance (ALI)
Collision Damage Waiver (CDW)
In the USA , Collision Damage Waiver (CDW) is known as Loss Damage Waiver (LDW) and includes Theft Protection.
LDW - Loss Damage Waiver is not an insurance, but optional coverage for loss of and damage to the rental vehicle resulting from collision, theft & vandalism. It does not cover fire, or other acts of nature. (with responsible & legal behavior, the renter is not responsible for fire or other acts of nature with or without purchase of LDW)
New York already includes LDW in the rental price, as required by law. it cannot be waived.
When LDW is included in the rate or purchased at the time of rental the customer is fully covered for loss of or damage to the vehicle with zero financial responsibility(zero excess/ deductible)for all vehicles
or
142 East 31St Street's T&C w/Budget UK
Your Quote Includes:
Unlimited Miles
Local Tax
Additional Liability Insurance (ALI)
Collision Damage Waiver (CDW)
In the USA , Collision Damage Waiver (CDW) is known as Loss Damage Waiver (LDW) and includes Theft Protection.
LDW - Loss Damage Waiver is not an insurance, but optional coverage for loss of and damage to the rental vehicle resulting from collision, theft & vandalism. It does not cover fire, or other acts of nature. (with responsible & legal behavior, the renter is not responsible for fire or other acts of nature with or without purchase of LDW)
New York already includes LDW in the rental price, as required by law. it cannot be waived.
When LDW is included in the rate or purchased at the time of rental the customer is fully covered for loss of or damage to the vehicle with zero financial responsibility(zero excess/ deductible)for all vehicles. LDW is includes in rate. customer is still responsible for the first $100 in damages.
**This is what is quoted in Budget's UK rental agreement terms for each location.
When Budget stated in the contract "Collision Damage Waiver (CDW) is known as Loss Damage Waiver (LDW) and includes Theft Protection." They are locked into that determination.
JFK location would not have you responsible for the first $100 in damages.
East 31St Street does have you responsible for the first $100 in damages.
A rental contract is a rental contract so I say you're good!
This is my option anyway.
Link to 142 East 31St Street's T&C w/Budget UK (For other's to review)
https://www.budget-uk.com/worldwide/...p?Location=NY6
Link to JFK T&C w/Budget UK (For other's to review)
https://www.budget-uk.com/worldwide/...p?Location=JFK