I am just off the phone with the credit card companies.
MasterCard: Starting in September they will no longer cover CDW insurance in Ireland on personal cards. If you have a business card the MasterRental Insurance plan is still in effect and you will be covered up to 31 days. Phone 1-800-MC-ASSIST for details.
Diner's Club: All their cards cover CDW in Ireland for 30 days. Fees per year for a card range from $95 to $300. This is primary insurance, not secondary. http://tinyurl.com/lzhah Phone: 1-800-234-6377 for details.
I hope that clarifies things.
"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.
I am very happy with my Capital One Platinum business MasterCard. Capital One kept sending me about 10 offers in the mail every week. When I got the business card offer (with double points yet) I jumped on that deal. They also have no foreign surcharge.
The following information is from the MasterCard website, under the Guide to Card Benefits:
"Valid as of September 1, 2006 World MasterCard® Benefits: • World MasterCard – Includes No Pre-Set Spending Limit with Option to Revolve (minimum $5,000), Year-End Account Summary, Identity Fraud Reimbursement/Resolution Services, Worldwide Automatic Travel Accident Insurance, Trip Cancellation Insurance, Car Rental Collision/Damage Waiver, Extended Warranty, Price Protection, and MasterCard Global Service"
But the possible catch is the following information that was in small print right below the above message:
"Selection of benefits on your card may vary by card issuer. Please refer to your issuing financial institution for more details. To file a claim or for more information on any of these services, call the MasterCard Assistance Center at 1-800-MC-ASSIST (1-800-622-7747)."
In talking with MasterCard Assistance Center, each financial institution that carries the World MasterCard determines the benefits of their World MasterCard. Unfortunately, when you call your credit card company, they do not have the disclosures at their call centers. If you already have a World MasterCard, they will send out the disclosures which will spell out if they cover CDW in Ireland. If you do not have a World MasterCard, you will not get any information until you apply for a card and when you get it, the disclosures will be in your Welcome packet.
We wanted to get a World MasterCard for the CDW coverage in Ireland and since we were getting a World MasterCard, we thought we would get one that has NO foreign transaction fee also. Capitol One fit the bill and they do offer the World MasterCard but only as a mailing offer (solitation). You cannot order it online or at their call centers; the call/application center didn't even know Capitol One offered that product, I had to tell them they do. Since we have opted out for ALL credit card solitation, we will never get the offer and Capitol One has no way of assisting me. Go figure, a customer wanting to get a credit card and the credit card company has no way of assisting them because it is a mailing offer. Apparently, there is a different 1-800- number on the mailing and in talking with the Customer Relations Department, they do not have a sample of the mailing to give me the number so that I could call them directly and apply for the card. They do not even know how to contact the Marketing Department to assist me. Oh well!! We went on to Plan B.
Hope this information is helpful.
Thanks so much for the update. Things are changing quickly in the CDW/car rental/credit card area. Diner's Club also covers insurance in Ireland and it is primary. However, they charge per year for their card.
It sounds like you got the runaround at MasterCard. Maybe call again and speak with a supervisor? If you opted out of getting credit card offers in the mail, why can't you opt in now? Then you could choose a good card and opt out again. Just a thought.
Michele: What do you know about American Express coverage?
As far as I know American Express does not cover CDW insurance in Ireland. If you have received different info from them, please let me know and I will check into it.
Right now only a very few MasterCards provide coverage including the MasterCard that I have: Capital One Platinum business card. I was still able to use it for my Sept/Oct trip this year. Diners Club provides coverage but there is a yearly fee for the card. Still it might be worth the fee.
Trip insurance sometimes provides coverage but you will need to read the fine print. In fact they all require that you do that to know the rules.
The quotes that you and Melissa provided do not rule out CDW insurance in Ireland. The word to look for is "may".
"You may be unable to receive benefits in Australia, Ireland, Israel, Italy, Jamaica and New Zealand. Please contact your vehicle rental agency before you travel."
It means that if you car rental company accepts the MasterCard coverage it will apply. If the car company refuses it, MasterCard will not cover CDW.
That is why you need to make sure your car company accepts MasterCard coverage before booking. As Melissa said, Kemwel (on my Car Rental page) will meet any price you get from any other car company and they will accept the insurance.
If you prefer the peace of mind, then get the full coverage. But I just wanted to clear up the wording of the MasterCard agreement. Do keep in mind that even buying CDW insurance from your car company will not reduce your burden to zero. Many of the car compaines have a deductible of a few hundred euro and up. Buying the extra Super CDW can reduce the deductible but check to see what is included. Many times tires, windshield and undercarriage are not covered.
Read the fine print!
Hello all, below is email traffic between Dandooley car rental and I about extra insurance. I leave Tuesday for Shannon..yipeeee
mY email Question:
From: Les Anderson [mailto:firstname.lastname@example.org] Sent: Friday, 24 November 2006 14:41To: email@example.comSubject: Hello,
It sounds like you are ready to go. I suggest printing that email and taking it with you along with other reservation info. You will have to let us know how you liked Dooley.
Thanks so much, I promise I will let you all know!!! I will post pictures on myspace.com/lesanderson when I get back. Maybe even during.
Thanks. We will continue to check into your website for photos. We love them!
I'm glad to hear you are returning to Ireland again in March. If you have not yet signed up for my newsletter, do it now. I am going to have an update on car insurance in it. Let us know if you need any help with your trip.
Update to Dan Dooley experience. I had paid the extra money for additional insurance, was concerned that I would get dinged for scraping the curve one or two time which kind of messed up the left hub cap in front.....have not been charged anything extra. Just make sure you do a good walk around with any car rental service you get. If no one stands there looking around with you, go grab someone and make them look with you once you have found some dings and scratches. No matter how small, have it documented!!!!! Best advice I can give. Dan Dooley was good with me. Petro was charged up frnt for me to return the car on empty if I wanted to. Be sure to check gas gauge also to make sure it is full!
Enjoy your trip! I want to go back soooooo bad, but Vacation time is lacking.
Have a grea HOLIDAY ALL!!
My January 2007 Newsletter has new and updated info on car rentals.
I was amazed at how arcane the policies for CDWs and credit card coverage are when it comes to visiting the Ould Sod.
I just got off the phone with Capital One Canada (1-888-324-2363) and the Republic of Ireland is included in their collision damage waiver programme. Maybe collusion damage waiver might be to the point as all of the Irish rental companies seem to be in on it. The operator also offered to mail a letter to me so I could present it at the rental counter. I have reserved a car at DUB with Avis and received a fantastic rate but now I am starting to wonder if it truly is a deal.
Is anyone familiar with the current rate for the CDW and the SCDW for a compact vehicle with Avis Ireland? Opting out results in the E30 service charge and a charge of E2000 being placed on my MCard along with the hassles of covering the funds when the vacation is finished. Perhaps paying the extortion will be a lot easier on my nerves and pocketbook. Of course, getting us to give in and fund the revenue stream is the reason they make these inane policies.
May the light be your guide and the darkness be your comfort!
Christy,Wow! I have a Cap One Business card that covers CDW too. They haven't reduced my limit yet. But like you I pay it off every month. I guess they like people to carry a balance and pay high interest rates. I have a World MC that covers also. So I'm okay. Do you have time to get a World MC?Funny thing about the Cap One Business MC is one car company argued with me for an hour because it did not say "World" on it. They claimed it didn't cover Ireland when in fact it did. Fortunately, I had the Ireland MC number with me and made them phone them. They couldn't argue with MC. I know more about it than the car company employees do. Michele