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This is the offer that I received prior to booking a 6-9 passenger people hauler from Easy Tour This fall. This option is only available at the counter when you get there. Also printed out the coupon for the free "never lost GPS". It is part of the quote, but will be taken off the bill when I give them the coupon.
This is the copy of the offer I got when i received the quote:
"The Super CDW does not cover Lost Car Keys, Fuel contamination (petrol into diesel engine), Tire damage, Wheel Damage.
You may now add Tire & Wheel Insurance to your rental contract for just 4 Euros per day. You can do that at the Hertz counter."
Only some rental companies cover tire and wheel damage. Most exclude undercarriage, window and side mirror damage as well as putting in the wrong fuel, or losing the key. When available, tire coverage runs between 10 & 15 Euro per day.
Also, depending on the company "Excess" coverage (to reduce the 'Deductible' on the CDW is usually considered an extra. Fuel covers the cost of the initial Full tank of fuel (Petrol or Diesel) and remember that the hose colors are opposite in Ireland from the US -- here, green denote gasoline (Petrol) and Black is used for Diesel. In Ireland the opposite is true.
A compact car (like a Ford Focus or a VW Golf will require as much as 80 Euro. Most companies will give that back, if you return the car full (and that means FULL -- NOT 'Nearly Full'-- BUT some companies insist that you return it empty and give NO credit for any unused fuel.
All companies will ask if you are taking the car to Northern Ireland and SOME (but NOT all will charge you a FEE (around 30-35 Euro) for coverage. If you lie and then have an accident or a break-down while in the North, they can void your insurance coverage so that's NOT a good idea.
I did a quote on the Dooley website for all-inclusive (meaning CDW and Excess using the arbitrary dates of 14-20 June:
Now, I have only ever bought the extra insurances ONCE in twenty visits as I have a Credit Card that covers Irish Rentals and when I go to Ireland, the only thing I use that card is for the Car Rental -- so I don't worry about a 2,000 - 5,000 Euro 'Hold'. In all those times, I've had to buy 3 tires and I had one alloy wheel straightened due to hitting potholes. I had replaced the first tire (in 2005) at an independent shop for 100 Euro. In 2009 I had the front tire (and the rim straightened) at independent shop for 150 Euro but I missed spotting the damage to the rear tire and the car hire company charged me 200 Euro for it!
So -- If you don't buy tire coverage save yourself some money and grief and get it fixed before you return the car. If you DO buy the coverage, the company will instruct you how to deal with a tire issue.
Most companies also offer 'Personal Injury Coverage' but I don't know anyone who has bought it.
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I am one of those folks who has used Easy Tour twice with much success! I recently booked two more vehicles with them for our Sept/Oct trip. However, they did NOT have the pre-pay option. You get, however, a guaranteed absolute inclusive price quote (except for tires and glass coverage-which you have an option to purchase at the pick-up desk upon arrival). It is payable in Euros, and charged to your card at the end of the rental when you return the car. This quote covers CDW and SCDW. I believe you can waive SCDW with Easy Tour but not sure about waiving the regular CDW and using your credit card insurance. That would be a good question for Conn via email or you can try his toll free phone number.
I did use credit card coverage once with my World Master Card, back in 09, the only time I had a bumper scrape in Ireland, and I had to jump thru a lot of hoops, and then never got totally reimbursed. My cc insurance wanted proof of down time for the car during repairs AND Europcar/IrishCarRentals/Enterprise never would send me that documentation, after numerous email and even long distance phone requests.
Dooley's quote was always higher for previous trips and higher for this upcoming trip. however, their advantage is pre-paying in $'s to avoid the foreign transaction fee as Bob pointed out, and if you think the Euro might go higher, this would indeed lock in the price. (The Euro has gone from $1.10 to $1.14 since we booked our trip, so it is a consideration). Of course, you can't outguess currency values, it could go the opposite way also!
If your Card covers Irish car rental (and you need to verify through MasterCard or Visa NOT the issuing bank!) the rules are that you must decline ALL optional insurances.
Dooley has a New Jersey office and you can pre-pay, in US dollars, to avoid MOST of the 'Foreign Transaction' fees, but some costs are always paid at pick up -- the initial cost of a full tank of gas comes to mind. This can be a non-issue if you return the car full, in most cases.
People mention a US based Hertz agency that uses pre-payment, as well -- I believe it is Easy Tour (?) but I've never used them.
If you use your Credit Card coverage in lieu of the CDW and Excess, most rental companies place a LARGE 'Hold' (and sometimes, a Charge) as a Deposit (at pick up) of between 2000 to as much as 5000 Euro, which is refunded on return, provided there is no damage. This can severely limit your use of that credit card as he Hold or Charge will reduce your available credit. If you DO have damage, the company will CHARGE the estimated repair cost to you on your Credit Card and it will be up to you to file a claim to get reimbursed.
Deciding to use Credit Card coverage is a HIGHLY personal choice.
When you say some cards cover the cdw (I will call and see if mine does), it's recommended to then agree to the cdw, or decline it because your card covers it. I understand that I must first check with the car company if they'll accept. Seems all very confusing to me. But then, this will be my first experience overseas. Are you perhaps better off purchasing through a travel agent? And can you save conversion costs if purchasing in your homeland before arriving. For instance, either in this thread or somewhere else, it was mentioned one of the car companies is based in New Jersey of the USA. And I believe that you could avoid any conversion fees by purchasing beforehand. Is there such a thing as purchasing ahead of time and simply presenting a form/receipt and them handing over the keys with no further hassle?
Update: Some Visa cards now cover CDW in Ireland but ask your car company if they will accept it. Very few MasterCards cover CDW insurance in Ireland. Some World MCs. There is still a very large "hold" or charge when declining CDW. Did you have any specific questions?
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Any updates on this topic? I was wanting to rent a car in Ireland. Even planned my trip around it. Had NO idea this was going to be a nightmare. I noticed replies to this thread are a year old. Any new good news? Please advise!
Everyone's situation is different and you need to do what 'feels' best for YOU.
You need to factor in your credit limit, confidence level and comfort level. For some, the added stress of self-insuring via Credit Card is too much to handle. The type of car (size, kind of transmission), time of year, length of rental and level of insurance would determine if $700 is reasonable or excessive.
Using Dooley as an example, Michele suggests "saving" an on-line quote (It's an option on their website) that emails you a price that's good for 7 days or so. Keep checking and if you find a better price, 'Save' it. If prices go Up, call the NJ office and book, using the lower, 'Saved' price. To ease the sting SLIGHTLY, you can even Pre-Pay over the phone, in order to spread out the expense a bit.
If you pay in US dollars through NJ, there should be NO 'Foreign Transaction Fee' -- which can save you 1 - 4 % depending on what Credit Card you have.
Don't know if it still works, but adding the word "Dochara" on the quote page USED to give a 5% discount.
When / where are you planning to visit?
Thanks. I think I will just call Dan Dooley and rent with them and be done with it. At least I will have peace of mind that I am covered. It will end up being about $700 for CDW and SDW. Does this sound crazy to you?
Pretty much ALL charge a deposit. Declining the SCDW would still involve a large deposit, as the "Excess" deductible is around that amount. Some of the companies merely place a 'Hold' on the card, rather than actually charging the amount and refunding it, but in either case, it will 'Freeze' that amount of credit and make it unavailable for use.
If you buy the Basic CDW, Master Rental will NOT cover the SCDW. Master Rental is an 'All-or-Nothing' coverage -- you have to decline ALL of the Car Hire company's insurance if you want to use Master Rental.
You can call Dooley's New Jersey office (for free) and get specific answers and costs. The staff is VERY helpful!
I'm going to Ireland in August. I am getting anxiety trying to figure out the car rental. I have a World Master Card which will cover me in Ireland. They will give me a letter specifically stating that I am covered in Ireland. I am looking to rent with Dan Dooley since they seem to have good reviews and don't charge extra to go to Northern Ireland. I don't want to pay a $2,000 deposit. Should I just take the CDW and decline the SDW? Do I need any additional insurance? Are there any companies that don't charge a deposit fee.
Some World MasterCards cover insurance. Recently some Visa cards do too. As always, check with your card and ask them to send you the terms of coverage to see if they will cover you in Ireland.
Keep in mind that the coverage is mostly for American and Canadian citizens.
Thank you for this thread. Answered many of my questions! We're heading over in March for another trip -- are there any updates in terms of which cards to use, etc.?
I received a private message about excess insurance and thought it might be of interest to all. See below:
I am Mark and run www.moneymaxim.co.uk which was mentioned in your excess insurance thread on the forum over the last few days.
I have also just launched a car hire advice website called www.carhirechampion.co.uk where users can pose all those 'How can i' questions
Noticed that the above thread was talking about policies suitable for US visitors which will cover the excess in Europe, and the icarhireinsurance policy had been talked about.
Just to ensure that no one goes down a route and finds themselves accidentally uninsured icarhireinsurance will cover residents from around the world (excluding a few sanctioned countries) on their European policies, but not if a worldwide policy is required (so one required by someone doing a Europe trip, but also visiting Australia, Asia, Africa etc). Worldwide policies are only available to European residents.
There is another insurer, Worldwide Insure, who will cover residents of anywhere both on European and Worldwide policies, and if CDW is required they can accommodate that.
I would say that running a quote through our car hire insurance service is the easiest way of checking out the options, but am certainly not going to try any form of underhand marketing, hence this PM rather than a public post!
The reason I mention this is because the number of companies offering excess insurance and CDW policies to non Europeans has recently reduced significantly. Last Insurance4carhire withdrew from that market, this year Questor and Protect Your Bubble have. You may therefore get a few queries from travellers to Ireland who have been insured with one of these companies, but have now got a letter saying they can no longer be covered.
The good news is that there are still alternatives out there!
Welcome to Michele's Forum!
You are correct, in that the high deposits occur when you choose NOT to purchase CDW and Excess. Many of us who travel to Ireland frequently opt to not buy the insurances -- relying upon alternate coverage to avoid the rather pricey costs. Doing so requires FULL understanding of all the Terms and Conditions related to making that choice, however.
What is important to know, is what charges are INCLUDED in your reservation quote, so that you avoid any unpleasant surprises at pick up. Many companies will quote an 'Inclusive Rate' that includes BASIC CDW, but NOT the cost of the 'Excess' coverage. Since 'Excess' typically costs 15-20 Euro PER DAY, that can quickly escalate your cost by a significant amount.
Best advice is to work with a reputable company, ask lots of questions about what is, and is not, included in order to be a well-informed consumer.
Many of the car hire companies offer a discount for pre-paying your car hire. Doing so can also be handy for reducing your Credit Card charges while actually ON vacation.
Got it. Thanks a lot wckc :)
Keith & Wendy
Hello all. I am new to the site and I have found the advise here to be quite helpful. I am traveling to Ireland in mid-September with a friend. I've dreamed of making this trip and driving around the country. However, I've read so much about the difficulties of renting a car that it has made me a bit worried. I have a simple question (I think it is...): if I do get CDW + excess waiver insurance, I won't get the super hight deposit/ hold on my credit card mentioned on this forum right?
Thanks for your help.
kmrambo wrote:Hello! We are traveling to Ireland this fall for the first time! So excited...except for the car rental debacle. I want to try and go the World MC route but have found not even all of those cover Ireland. Can anyone suggest and actual card they have been able to use for the CDW?
Hello! We are traveling to Ireland this fall for the first time! So excited...except for the car rental debacle. I want to try and go the World MC route but have found not even all of those cover Ireland. Can anyone suggest and actual card they have been able to use for the CDW?
Our World MasterCard is through Chase. We called and verified that they cover Ireland. According to the rep I spoke to, that is new since the middle of 2013.
wckc wrote:We gave in and joined AARP about 6 or 8 years ago. We have both our homeowners and auto insurance through them and received a substantial discount. I'll be curious to hear if the AARP discounts work for Irish auto rentals...
We gave in and joined AARP about 6 or 8 years ago. We have both our homeowners and auto insurance through them and received a substantial discount. I'll be curious to hear if the AARP discounts work for Irish auto rentals...
My hubby and I are AARP members and Avis did give us a 10% discount for our rental in August Via their dedicated AARP phone in the US. I emailed Avis in Ireland just to verify my quote and all was well. They do not honor the additional driver at no cost however Which is an AARP benefit. I am paying $760 for a full size automatic for eight days with no insurance. We will be using our World MasterCard insurance and buying an excess coverage policy from Questor. Have verified all with Avis.ie and know I will need to pay fuel deposit upon pickup and there will be a hold on my card. I will be bringing letters of coverage dated within thirty days of my rental as per my agreement.
Also, we paid the rental in advance to receive an additional discount and joined Avis Preferred in the hopes to have things go a little faster upon pickup.
I have done lots of homework on this and feel confident that I am fully prepared and know what to expect.
I will report in when I get back and let all know how things go.