TravelinSperry

Hertz is also quick on the trigger to charge for damages that are clearly fraudulent. So if they are going to do that - they better expect a lot fo chargebacks. But I do appreciate the advice.

threeoh

You have to file within 60 days of the incident (damage or theft), you have provide a signed claims form as well as all requested documents you have within 100 days of the incident, and you have to submit all requested documents within 365 days of the incident.

So, waiting a day or two until you get ahold of Hertz shouldn't be a problem. But, it's also possible to file a claim now and then back out of it later if Hertz refunds the charges. No cost, just a little of your time. I'd say if you can't sort it out with Hertz by 40 days after the start date of the rental, I'd probably start the Chase process just in case.

Happy

There are SO MANY COUNTRIES in the world that the benefit applied, it is impractical to give you a laundry list of eligible countries.

The KEY is, England is NOT on an Excluded Countries List. Just check out the document AMEX has, that is the way the CC CDW benefits would described. In the past, Visa and MC had similar lists of Excluded Countries as AMEX had because some countries have government mandated basic CDW included in the rate, or the theft rate was very high, or in some conflict zone (Northern Irelnd and Israel come to mind). In recent years some high end Visa cards which CSR is one, and high end MCs, no longer excluding countries.

Your rental in England is covered as long as all other requirements are met.

serpens

The benefits administrator knows which countries are covered. Technologically, it is a trivial matter to update a web page (and note the date of the update) showing the current list of countries. For that matter, it would be a simple matter to show the history of the updates. And for another matter, it would be simple to show a list of all countries in the world where each country would be a link to that country's current status and history of changes. This type of information management is what computers do and this type of information dissemination is why the world wide web was developed.

That the benefits administrator chooses not to do this (and Chase chooses not to require the benefits administrator to do this) is a sad commentary on what passes for customer service.

Happy

It is a matter of cost analysis. Sure it can be made the way you described, at an additional cost that may not be deemed needed.

After all, the excluded countries are in such a small number that is much easier to list the excluded countries versus create a data base for all the possible countries a customer may decide to rent a car there. I would much rather Chase spend the money in providing the actual benefits then spend the money to create such a hardly needed data base. It MATTERS where the money is spent. The convenience you think is important to you, may not pass the cost analysis for adding such feature. The sad thing is not Chase and the Benefit Administrators not think of such, the sad thing is, people dont realize things ain't free. Everything carries a cost. Some cost just is not justified when much cheaper alternatives are available.

mia

Producing a comprehensive list of countries is difficult because some geographical areas are not universally recognized as countries. Much easier to just list exceptions.

https://www.countries-ofthe-world.co...countries.html

threeoh

I think the main complaint here is not that there is a list of exceptions, but that there isn't a list of exceptions; instead one has to call in and ask.

Happy

For Chase high end cards there is NO exclusion, even though it has not explicitly said so.

Chase is the first issuer that I know of, covers the excess that the basic CDW is mandatory by the governments. Years ago when I found no exclusion mentioned for Australia and New Zealand on the benefits book of Chase Visa Signature. I called as I knew from past experiences all 3 genre - AMEX, VISA and MC excluded Australia and New Zealand, on exclusion list. I was told that the reason there is no exclusion list is because Chase covered worldwide, incl those countries typically on AMEX exclusion list - in way of covering the Excess.

BTW. the insurance at the time was provided by Chubb IIRC but Chase had an internal dept handled customer calls.
I dont feel the need to call to find out what country is excluded if I dont see an explicit list in the fine prints which I always go over several times to make sure.

serpens

We agree that it matters where money is spent. Apparently we disagree about how much it would cost to maintain such a list. There is no incremental cost unless the list changes, and minimal cost to move a country from one column to another if its status changes. It seems to me that paying a representative to be available to answer a question that could be answered on-line is the more expensive choice.

dsauch

I've reached out to chase to ask about this situation (using hertz points for weekly rental, paying tax/fees/options with CSR). Chase via message said they cant answer this and to contact benefits admin.
I then called benefits admin and the rep was very sure it will not be covered, however he said even if one day was paid it would be. So that throws "entire" into a doubt. I asked him to reconfirm that a rental of 6 free+ 1 paid day would be covered for all 7 days, and not just one paid and he went away to check, returning with resounding 'yes it will be covered"....

so there you more inconsistency.

thesun

Would love to get an opinion on if I have a chance at getting a successful appeal on this one - the card is the Sapphire Reserve -

I rented a car with Avis and did not see any damage to the vehicle upon return. It was after hours so I did key dropoff. Got a receipt via email as usual, no issues. Got a "courtesy" call later from the rental office saying there might be some damage, no details, they would provide details later. I heard nothing, figured it was some sort of mistake - usually whenever there's any sort of damage my experience has been that they get right on it. Pretty much forgot about it after a week. 71 days later, I get a letter from the Avis franchisee about the damage. I submitted a claim with eclaimsline, was rejected due to beyond 60 days. I requested a reconsideration based upon the date they formally notified me of the damage, 71 days later. I'm guessing my chances are pretty slim. I gave "Card Benefit Services" a call, the customer service rep stuck pretty hard to the 60 days, says I should have just filed something at the time.

wco81

In cases where you can't waive the CDW, because some countries such as New Zealand requires it, does Chase Sapphire Reserve provide secondary coverage?

Will the reimburse the "excess" that rental agencies may charge?

Also do you have to pay for the whole rental in full at once or can you use the option in some web sites to pay down a deposit?

threeoh

All of the time limits in the benefits package (including the 60 day requirement) have a † and the footnote says

I don't know which states those are or how you'd find out, but I'd say if you're not in one of them, your chances of getting Chase to cover it are 0 and you should fight with Avis or file with your own insurance instead.

threeoh

The official answer is call the benefits administrator and ask (that's what the benefits guide says to do). The unofficial answer is:

You have to "Initiate and complete the entire rental transaction using your card that is eligible for the benefit." You can put down a deposit but you have to use the same card for deposit, at the counter, and upon returning the car.

Happy

Re Excess

Chase covers the full excess which amount depends on the country and the rental companies. I posted this only a few posts above your question.

Also upthread I posted a detailed experience on our claim for a rental at Sicily. The excess was 1000 euro plus airport surcharge (14%) plus VAT. eClaims actually paid more than it needed thanks to the complex presentation Budget did on the Repair Cost Invoice that was immediately issued upon return, together with 4 pix on the damage, emailed to our inbox, and the CSR was charged on the spot. The invoice was itemized and laid out in a very clear way, eClaims paid the full amount without ever contact us other then an Approval email 7 days after filing. We should have paid the 14% airport surcharge which also subj to VAT, at 160 euro or so, but we wound up only out of pocket for 120 euro. Cannot be happier on the swift settlement.

Do NOT buy down the excess as most rental comapanies would try to talk you into doing - by doing so, you VOID the Chase coverage.

No idea on your question on prepay because we always opt to pay at the counter and never use prepay which usually only save 10% but would charge a penalty should you cancel / often could not cancel within 24 hours of pick up time. We rather have the flexibility than save a few bucks.