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Post Info TOPIC: Warning: Car Rental Rip-offs!! Some Require €2,000 - €15,000 Deposit to Decline CDW


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Warning: Car Rental Rip-offs!! Some Require €2,000 - €15,000 Deposit to Decline CDW


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. 



-- Edited by Michele Erdvig on Sunday 5th of October 2014 01:33:25 PM

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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.?



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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!



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Pilar, Good info from Wendy & Bob. If you have any other questions about your trip just let us know. We are here to help you have the best trip ever.

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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. 



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Bob

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Got it. Thanks a lot wckc :)



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Pilar


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Pilar -

The high deposits/credit holds are for those who take advantage of the World MC insurance policies and waive the CDW offered by the rental company.

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Keith & Wendy



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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.



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Pilar


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David, It is not a good sign when someone who works for a company does not recommend that company. Happy to provide some input to help with your choice. Hope everything works out well.

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thanks wendy and michele for your input! i feel much better about it. i'm going with dooley. i have a friend in dublin who has a contact at the finance department of hertz in ireland. this employee of hertz couldn't even recommend i go with them... it's that bad! they suggested i choose someone else.

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There have been recent changes in credit card coverage. For instance some USA Visas have started covering Ireland again. But it is always the car company who has the final say. Best advice: confirm everything in advance and read the fine print. Then you will be prepared.

Dooley is fine. I've used them several times. Avis is fine. I used them last time.



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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?


 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.



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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...


 Hello,

 

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.



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We have always rented from Dan Dooley, and have never had any problems. Our first three trips we purchased the excess damage waiver - it cost a lot more, but we did have peace of mind. If you are purchasing the insurance offered by the rental company then there are no worries about the deposit.

On our first trip we picked up in Dublin and returned to Shannon with no problems at all. For the next three we picked up and returned to Dublin airport with no hassles there either.

On our last trip we took advantage of the insurance coverage through our World MasterCard. Dooley put a 2,000 Euro hold on the card and only actually charged it when we returned the car (we had a bit of an "issue"). They charged the card on Thursday morning when we dropped it off, and credited the card back for the excess over the repair costs the next day. We promptly filed our claim with World MasterCard and had the reimbursement applied to our account before the due date of our billing cycle. Our only cost for the incident was the difference in the exchange rate between the day they charged us and the credit that was applied the next day.

This September we will be picking up and returning to Shannon, and will use our credit card covered insurance again.


- Wendy Coleman


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Keith & Wendy



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hey michelle, i have read a lot of the thread and am generally confused. the only thing i am certain about now is that i am going to rent a car for only half my trip. i would like to get my car in dublin and return it to shannon. actually, my friend will be doing it because he is the one that is going back first. anyways, i'm so confused! i just want to know the price i'm going to pay. it seems that earlier in the thread people were recommending dan dooley, but some reviews i found elsewhere were pretty scary.

what company do you recommend? my friend and i are young graduate students. we don't have a credit card that would provide insurance. i'm not sure that we can "float" 2,000 deposit, either, for any reason. we are both 25 or above. i have always gotten by without a car in ireland, but my friend would like to do a few things that are unfeasible to do by bus.

i'm thinking of dan dooley with the excess (scdw) and hoping for the best. my hope is that returning it to shannon will cause less problems, especially because my friend could be present for the inspection/etc as it is such a small airport. thanks for the great thread!

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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..



-- Edited by tony2phones on Tuesday 3rd of June 2014 07:56:25 AM

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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.



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RE: Warning: Car Rental Rip-offs!! Some Require €2,000 - €15,000 Deposit to Decline 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?

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RE: Warning: Car Rental Rip-offs!! Some Require €2,000 - €15,000 Deposit to Decline CDW


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...

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Keith & Wendy



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I have resisted becoming an AARP member so don't have any first-hand experience of their discounts. Do you have a code? Perhaps you could go to the Avis.com site and try it. There is also an Avis.ie site but I used the .com for my last rental as they had better rates.



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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.  furious

Since THEN, I have not had any occasion to file a claim, so can't speak as to the quality of service . . . confuse  confuse

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!  hmm  hmm

If you decide to pursue the AARP offer, please advise us of your experience.  It's always good to add to our options! 

 



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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!



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Elizabeth


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Thanks for the update aimeekm. Looks like things are loosening up a bit in the car rental insurance game.

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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



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Chase Visa Signature cards also now cover Ireland and Northern Ireland. I emailed the letter of coverage to Budget, and they confirmed it would be accepted, with a 2,000E cc hold.

Here are a couple of articles about Chase Visa Signatures
milecards.com/7774/confirmed-chase-sapphire-car-rental-coverage-no-longer-excludes-ireland-israel-jamaica/


www.cardjournalist.com/increased-benefits-for-chase-credit-card-holders/

Here's the benefits guide

www.chasebenefits.com/visasigVW1


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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 . . . furious  furious



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Bob

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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.



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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.

 



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Bob

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Roy


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I'm so excited about planning this year's trip without renting a car! It's something I have thought about, understanding it's probably a one time thing. My stress level has dropped considerably!

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Roy


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I wonder how "Journey Through Ireland" and "Easy Tour Ireland" are dealing with all these extra charges, as these 2 Hertz franchisees have offered all-inclusive options(except tolls) in the past. (with Journey we paid the SCDW at the time of pickup, but I'm pretty sure Easy Tour offers the prepaid CDW option). If I remember right, 2 years ago, a toll was added to our credit card statement after the fact, but it was only for the 1 toll amounting to $4-5 (on M50), and not a daily fee at that time.

Still have a trip to Ireland with our Grand daughter in the planning stages, and, yes rental cars is still the most difficult of all the decisions.

Dan

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