I'll be declining the CDW. Any other insurance I should get to make sure we are covered for everything (i.e., liability)?

Caroline · Veteran Member

I'll be declining the CDW. Any other insurance I should get to make sure we are covered for everything (i.e., liability)?

aries · Member

RE: I'll be declining the CDW. Any other insurance I should get to make sure we are covered for everything (i.e., liability)?

Caroline · Veteran Member

Yes, I'll be declining the agencies CDW coverage because we have it through out credit card. I've called the credit card company numerous times. They insist I'll be covered for my August trip, and if the rental agency gives me any problems then I have a number for them to call to verify our coverage. I'd be pleased to purchase additional insurance if it means we will be covered for all minor dings and such. I'm really not exactly sure what the CDW covers.

Anybody???

Caroline

Michele Erdvig · Host

Caroline,

I assume you have a gold or platinum MasterCard that will cover you with their MasterRental insurance? Most coverage is for 15 days. Some business cards cover for 31 days. You must read the fine print. Not everything is covered such as tires and windshields. Even if you purchase extra CDW from Hertz those things are probably not covered. With the MasterRental insurance you have zero deductable. If you purchase CDW from Hertz you will have a deductable. I always opt for using MasterCard's coverage as it makes sense for me.

You can read more on my Car Rental page. Unless you need insurance to cover medical insurance in case of an accident you should be okay doing what you have done. But only you know exactly what you need. Read the fine print on your MasterRental agreement. It will give you all the details.

Michele

P.S. I believe you have also purchased trip insurance. You might want to look at that policy. Sometimes they also cover car rentals.