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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!
"Ireland Expert" Michele ErdvigClick links for Michele's Book or Custom Ireland ItineraryVisit Michele's Irish Shop for unique Irish gifts and beautiful photos of Ireland.
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.
Help Us to Help You. The more you tell us about your plans (dates, interests, budget), the better we can tailor our advice to suit!
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 $760 for a full size automatic for eight days with no insurance. We will be using our World MasterCard insurance and buying an excess coverage policy from Questor. Have verified all with Avis.ie and know I will need to pay fuel deposit upon pickup and there will be a hold on my card. I will be bringing letters of coverage dated within thirty days of my rental as per my agreement.
Also, we paid the rental in advance to receive an additional discount and joined Avis Preferred in the hopes to have things go a little faster upon pickup.
I have done lots of homework on this and feel confident that I am fully prepared and know what to expect.
I will report in when I get back and let all know how things go.
Feature on the Radio this morning warning about holiday car hire across Europe.. Apparently the European Consumer Council (based in Dublin) has been studying an increased trend of complaints across Europe (not just Ireland).. They have concluded based on whatever findings that 40% of people are less than 100% happy with their experiences.. Most complaints come from people who have booked via on-line agencies (consolidators) who only sell the basic day rate and fail to warn about essential extras like Insurance (I think someone has been saying that for a long time.. wonder who?).. Fuel.. & --- Sole party Damage.. (something I didn't know about..) apparently if you are in collision with another moving vehicle CDW covers you.. If on the other hand you total the car into a tree/wall other inanimate object then you could in some instances be on stony ground as it were.. The worst countries to rent a car are apparently Spain and Portugal.. where more than 1/2 of all complaints originate. Asked if it was better to go with "Brand" names Hertz (I name because they are on my 3 strike List) and Other top E£$ companies the answer was No.. It made no difference at all.. The impression of being safer using these comes down to their marketing and the mind set that paying more you get better.. apparently not.. Any way just thought I would share that compressed version of my hours wait to see the Dr this morning..
Welcome to the forum and the Ireland car rental morass.
Each World MC is different and what they offer to you will be different from what they offer to me. You can try calling the MC number to ask about it. But it is a difficult and time-consuming task. Recently some Visa cards have started covering Ireland too. But always keep in mind one important caveat: the rental car company must accept your particular card to cover CDW. They have the final say.
I started carrying an annual policy from Questor after Insurance4CarHire stopped offering Annual Policies for US residents. My current coverage expires on 6/17/2014, so I'm thinking of renewing -- as this year's trip is from 13 June to 3 July. Total premium was 38.99 GBP. I started buying the extra coverage after having to buy 3 tires, due to striking potholes.
Since THEN, I have not had any occasion to file a claim, so can't speak as to the quality of service . . .
Don't know about AARP -- That would be a question for the Car Hire Company -- Specifically, if their Irish Affiliate will HONOR that discount. I have found (Stateside) that often times, the AARP or AAA rate is NOT the Best Deal available -- pricewise -- at least, when it comes to US Hotel and car rentals.
Basic CDW is actually NOT all that expensive -- as in, the DIFFERENCE in price of the rental. The 'BIG BITE' comes from the cost of the 'EXCESS' coverage. Those of us who 'opt out', in order to avail of our Credit Card coverage, do so because the Credit Card REQUIRES us to decline ALL insurance. I'm NOT sure why, as it would DRASTICALLY reduce their 'exposure' -- if they permitted us to buy the basic CDW???
But, they DO -- So, we DON'T!
If you decide to pursue the AARP offer, please advise us of your experience. It's always good to add to our options!
Has anyone used an AARP discount program for car rental in Ireland? Their Avis discount is 10 - 25%, plus it indicates that additional driver fee is waived and says that, "as an AARP member your liability is limited to the first $5,000 of damage without purchase of a loss damage waiver." Budget and Payless also offer AARP discounts. I'm figuring CDI would run at least $20 daily, plus $10 for an additional driver. $30 x 15 days is $450 that I could potentially save, even without a discount on the actual car rental.
Also, does anyone have experience using Questor for excess coverage? Seems like I could buy an annual policy for about £40. Daily policy about the same, since I am traveling for 15 days. Definitely less than buying through the rental company... And includes tires and windscreen coverage.
Of course, this only helps those of us who are "more experienced," since younger folks won't qualify for AARP membership - sorry!
If looking at Budget they are currently offering a 10% discount for June Bookings http://www.budget.ie/email_newsletter.php?utm_source=newsletter&utm_medium=newsletter%2Bemail&utm_content=online%2Bversion&utm_campaign=apr14
Right -- as always, Michele . . .
"So will the car hire companies accept the Citi ThankYou credit card or won't they? That is the question."
Sadly -- Also as ALWAYS -- The Car Hire Companies will have the LAST word . . .
Thanks Bob. The only problem I see is that the clerks at the car rental desks are programmed to only accept "World" MasterCard (for Americans). I actually have a MC business card that is not World and covers Ireland car hire with no fees. However, after fighting with the clerks for hours about it I just use my World card (which adds a foreign transaction fee). It is not worth my time to fight with them over 3%. So will the car hire companies accept the Citi ThankYou credit card or won't they? That is the question.
Just spotted THIS: http://boardingarea.com/rapidtravelchai/2013/03/19/citi-thankyou-auto-rental-insurance-covers-all-countries-yes-even-the-i-countries/
For those of you looking for a Credit Card that covers Irish Car Hire.
So far -- for MY needs -- Hertz STILL has the better vehicle/price combination. Waiting to 'Firm Up' dates of our traveling companions before committing, though!