Originally Posted by
beep88
Generally speaking,
NOC is covered by CC.
3rd party is not covered by CC.
For short rentals, I buy the 1080 yen/day CDW and write "I decline CDW" on the contract to get CC coverage on the NOC. Not all rental companies sell NOC waiver. I usually rent from Toyota and the 15% discount with Hertz sort of covers the CDW.
But if you pay for 1080y CDW and yet write "I decline CDW," then that implies you're relinquishing everything that 1080yen entitles you to... including waiving of 50k yen deductible for liability (3rd party damage) which your CC would not cover. So then what's the point of paying 1080yen in the first place?
Wouldn't you want to do either of the following?
a). Decline rental car CDW (ie, don't pay 1080/day), have your CC cover primary damage & NOC, take a chance by risking responsibility for 3rd party damage deductible (50k yen).
- or -
b). Buy rental car CDW for 1080/day, relinquish CC coverage and take a chance by risking responsibility for NOC (20/50k yen).