Wexflyer

I have a car rental arranged in Ireland. I know that my US credit card covers some of the "optional" insurance items I will be asked about on collection, question is exactly which ones are coverd. There are four separate additional insurance options, as follows
1) Collision (CDW). I am pretty certain this is covered by the CC.
2) Theft Protection (car theft). I believe, but am not certain this is covered by CC.
3) "Super cover" [Eliminates deductible that goes with CDW]. I have no idea if this is covered, or not?
4) Personal accident/Personal effects coverage. Not covered by CC?

Any direct knowledge of which of these is/is not covered is welcome!

UAPremExecflyer

Your questions are unanswerable as currently stated. What card(s) do you have?
Some cards will cover CDW up to a certain amount. Likewise on theft, but usually capped at $50k depending on the value of the vehicle.
Supercover is not applicable.
Read this http://www.flyertalk.com/forum/u-k-i...-confused.html

Wexflyer

I have a Citi Elite Mastercard, so coverage is up to 100k/car.

Previous thread went all over the place!

farci

Is this not a question for your credit card provider?

Wexflyer

Their written statement is vague, hence my question

UAPremExecflyer

You need to look very carefully at World Elite Mastercards. For many of the car rental benefits to apply, you must book through the CWT (Carson Wagonlit Travel) portal. If you don't, you have no coverage.

Maykita

Huh? I have the World Elite Mastercard benefit booklet in front of me at this moment and there is no mention of any requirement to book through any particular portal. I just returned from renting a car in Ireland and was certainly under the impression that the card provided CDW coverage based on my very careful reading of all the fine print. Where do you see this limitation?

ORDinant

If you refuse their insurance, be ready for a not-insignificant 'admin' fee firms in Ireland seem to have started charging for the privilege.

Maykita

Yes, Hertz charged us 30 euros for this, for a one week rental (last week). But it was still far less than paying for their insurance.

Maykita

There was one other annoyance worth mentioning: they put a 5000 euro hold on our credit card (plus the actual rental charge) during the period of the rental since we had refused all coverage. They told us if we got the cheapest form of coverage they offered, the hold would still be 2000 euros. The hold rolled off with no problem at the end of the rental period but it did greatly reduce our available credit on that card during our trip.

Mizter T

Much the same happens in the UK if you refuse the car hire company's insurance coverage, though the hold amount is lower.

Maykita

Also, the hold was apparently so large and strange that our credit card company suspected fraud and we had to contact them to say it was legit before we could go on using the card. So it is a little inconvenient to refuse all coverage but for us well worth the savings.

Back to OPs question, I can't speak for OP's card but my credit card benefit booklet (World Elite Mastercard) does clearly indicate covering CDW and auto theft (with 50k limits), but not personal accident and effects. My CC benefits also do something a little similar to supercover in that the credit card will cover the deductible if one's own primary auto insurance covers the loss (with a deductible). I'd recommend OP get hold of the applicable benefits booklet for his/her card because mine is extremely detailed in explaining coverage.