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# 208905 4-Mar-2017 18:44
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So I have come to understand US car rental is different from NZ/AUS in that your insurance is either none at all, or you take out a loss damage waiver at exorbitant rates.

 

I am wanting to hire a specific car (Dodge Challenger) and there is only one company (Enterprise) which does it, but their quote excludes LDW and it says I will be offered it at the counter (for a rate of between US$10 and US$29.99 per day) on the day of pick up. Not knowing exactly how much it will be up front is doing my head in.

 

Is anyone familiar with www.insuremyrentalcar.com ? They provide a LDW of up to US$50,000 for the whole period of my rental for just $36 (US dollars I assume). Is this sort of protection going to be enough?

 

I have comprehensive travel cover though my ANZ patinum credit card, so I am not too concerned about personal liability etc.

 

I'd be grateful to hear from any GZers who have hired cars in the uS before, specifically any who have successfully got around the rental companies' LDW fees.


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  # 1730075 4-Mar-2017 19:49
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Hi Simon, TD here. We hired a car at LA. The prices are cheap as, until you get told you don't have insurance, (as not a US national) so double that. 


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  # 1730088 4-Mar-2017 20:17
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First off the ANZ card rental car insurance is totally worthless - it pretty much doesn't offer rental car cover despite claiming it as a benefit.

 

If you read the T&C you'll see the following condition

 

 

As part of the hiring arrangement you must take up all comprehensive motor insurance or waivers offered by the rental organisation, whether discretionary or mandatory, against loss or damage to the rental vehicle during the rental period.

 

 

When you hire any rental car pretty much anywhere in the world you have 2-3 options. Take no insurance at all, buy a limited form of LDW with an excess (normally $3000 - $4000 ish in most parts of the word), or buy full LDW that gives you no excess. Here in New Zealand and in many other countries the 2nd option is pretty much the default - you'll have basic LDW included with an excess. As every rental car company I've ever hired a car from provides an option to pay more and reduce the LDW to $0 it means the ANZ insurance provides no cover unless you take this option. Of course once you take this option you'll have no need for your travel insurance as you'll have no excess with the rental car company in such a case.

 

The US however is slightly different. Pretty much every private car insurance policy covers you when driving another vehicle including a rental car, so a US citizen has no need for insurance when hiring a rental car. You'll then find that your rental car typically includes no insurance at all, and the only option for LDW is to pay to reduce this down to $0 which is typically US$20 - $25 per day depending on the company and the state you're in. If you buy LDW you'll be covered for any damage or loss to the vehicle. You however will not be covered against being sued by another party for damages if you're involved in an injury collision. Most rental car companies also offer some form SLI / liability insurance as an additional fee which covers you for this normally up to $1 million or more. Your ANZ card (and any other travel insurance) should provide liability insurance which will cover you for this.

 

If you hire a rental car in the US and don't take out some form of CDW you will have no coverage on any travel insurance policy I've ever looked at (which all will only pay the CDW excess, not full vehicle replacement). Even if you do take out full CDW it's then important you have travel insurance with liability insurance or take out SLI from the car rental company as an injury accident could see you with a rather large bill.. Lawyers in the US *love* car accidents as they're able to extort huge amounts of money from insurance companies for their customers.

 

One option for US rental that can be cheaper is to book through UK sites. You often find they offer rates with included full or partial CDW that's cheaper than booking through US sites. Some providers such as rentalcars.com book vehicles through the big name companies but provide their own insurance which can work out significantly cheaper.

 

I normally end up getting cars at least a couple of times a year when I'm in the US. Every time you find it ends up being quite an expensive exercise despite the low value of the car itself! I normally only get cars from National though as I have EC executive status with them which means guaranteed upgrades and executive aisle perks (pick any car you want) so I just take their LDW when I book direct.

 

 

 

 

 

 

 

  

 

 

 

 


 
 
 
 


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  # 1730089 4-Mar-2017 20:18
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Give turo.com a go. you can even get a tesla p90 for a good price.

private rentals



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  # 1730549 5-Mar-2017 20:47
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OK, so my ANZ travel insurance includes up to $2.5m liability insurance, so I am already covered should I injure someone or damage their property in any collision.

 

From what I have read, I can rent the car of my choice and refuse their insurance, as long as I have some form of CDW/LDW coverage via my chosen 3rd party rental vehicle insurance provider.

 

For a cost of$36 for my chosen travel dates (15 days in June), insuremyrentalcar.com will provide up to US$50,000 LDW cover for my trip with no excess for the following:

 

1.direct physical loss (including collision, theft, fire, and vandalism) to a Rented Automobile;

 

2.reasonable and customary charges imposed by the licensed rental agency for loss of use while the Rented Automobile is being repaired up to a maximum of 31 days of an equivalent rental. The equivalent rental rate is based on the rate stated on the rental agreement that was in force when the covered loss occurred; for which the Covered Person is legally responsible.

 

insuremyrentalcar.com Insurance is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies.

 

Based on the above, can anyone see any pitfalls I have not thought of?


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  # 1730553 5-Mar-2017 20:58
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Wheelbarrow01:

 

OK, so my ANZ travel insurance includes up to $2.5m liability insurance, so I am already covered should I injure someone or damage their property in any collision.

 

From what I have read, I can rent the car of my choice and refuse their insurance, as long as I have some form of CDW/LDW coverage via my chosen 3rd party rental vehicle insurance provider.

 

For a cost of$36 for my chosen travel dates (15 days in June), insuremyrentalcar.com will provide up to US$50,000 LDW cover for my trip with no excess for the following:

 

1.direct physical loss (including collision, theft, fire, and vandalism) to a Rented Automobile;

 

2.reasonable and customary charges imposed by the licensed rental agency for loss of use while the Rented Automobile is being repaired up to a maximum of 31 days of an equivalent rental. The equivalent rental rate is based on the rate stated on the rental agreement that was in force when the covered loss occurred; for which the Covered Person is legally responsible.

 

insuremyrentalcar.com Insurance is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies.

 

Based on the above, can anyone see any pitfalls I have not thought of?

 

 

The driving itself? did this in jan in honolulu, and it can be feckin nervewracking on the highways when people are merging from both side and you have 7 lanes to choose from :-)

 

Honestly, given the mad state of things there, i would protect yourself regardless and not hope that a cobbling together of different policies will cover you.

 

DO however take your voda sim with traveller on it and use in place of GPS!





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Antonios K

 

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  # 1730567 5-Mar-2017 21:38
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We got cover with our travel insurance.





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  # 1730594 5-Mar-2017 22:56
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I got rental car from sixt in US in November last year for 10 days (brand new GLA 250 with 15 miles on it). We also had travel insurance with upto 50000 NZD for car damages. However, sixt offered me LWD for additional $25 a day. And in the end, I'm glad I took it.

 

3 days later deer jumped on the road in the middle of no where and damage was pretty bad for the car and fatal for deer. No question asked by sixt, they just asked if we enjoyed our wild journey :)

 

I'd assume that I would have to pay for damage and claim it back from travel insurance if I did not purchase LWD in first place.

 

I might be completely wrong but if you purchase insurance from third party, you will make a claim after you sorted the bill with rental company?





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  # 1730607 5-Mar-2017 23:45
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I am wanting to hire a specific car (Dodge Challenger) and there is only one company (Enterprise) which does it.

 

Dodge Challengers are quite common rental cars in the USA. Most of the major rental companies have them (the base v6 model) in their sports car or muscle car category (along with Camero's and mustang Coupes).

I rented challengers twice from Alamo. I liked that they quote insurance when you book. I don't think you can book it in advance, and have to "Upgrade" at the airport. First time they gave me a good price. Second time they charged like a wounded bull...

If it must be a Challenger rather than the "equivalents" things get a bit harder. If you want one of the (mutiple) V8 options things get a bit harder still. hertz definitely has V8's at the likes of LAX, be prepared to pay a lot though.

Look into Turo if you are wanting a specific car at a good price.




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  # 1730609 6-Mar-2017 00:14
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Scott3:

 

I am wanting to hire a specific car (Dodge Challenger) and there is only one company (Enterprise) which does it.

 

Dodge Challengers are quite common rental cars in the USA. Most of the major rental companies have them (the base v6 model) in their sports car or muscle car category (along with Camero's and mustang Coupes).

I rented challengers twice from Alamo. I liked that they quote insurance when you book. I don't think you can book it in advance, and have to "Upgrade" at the airport. First time they gave me a good price. Second time they charged like a wounded bull...

If it must be a Challenger rather than the "equivalents" things get a bit harder. If you want one of the (mutiple) V8 options things get a bit harder still. hertz definitely has V8's at the likes of LAX, be prepared to pay a lot though.

Look into Turo if you are wanting a specific car at a good price.

 

 

Initially I wanted a convertible Mustang or Camaro, however we are doing a roughly 3500km road trip from LA up to San Fran/Napa, across to Tahoe, down to Vegas and the Grand Canyon, and then back to LA. Boot space in these models is a problem once you throw in a couple of suitcases, so a hard-top Challenger was the best compromise (bigger trunk to start with, and you don't lose half of it with the top down). It's either that or I go for something like an SUV, but it's my first trip to the states and I want something authentically American .

 

I looked into Hertz as I have Gold status with them, but for my dates (26/05 to 09/06) they only have a Convertible Camaro available. It's US$1250 including the LDW, but I can get a Challenger from Fox for US$617 without LDW, although they indicate that would cost somewhere between US$10 and US$27.99/day additional.

 

I just checked Alamo for the same dates - their price is US$2254!! I also looked at Turo, Cheapest I could find was US$49/day, but the insurance is another 40% of the daily rate, so that works out at about US$1029.

 

I have sent an email to insuremyrentalcar.com asking what happens in the event of an insurable accident - specifically whether I need to pay the rental company and seek reimbursement, or whether they deal with the rental company and pay them directly. I will only consider insuring through them if the latter is correct.


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  # 1730616 6-Mar-2017 06:07
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tdgeek:

 

Hi Simon, TD here. We hired a car at LA. The prices are cheap as, until you get told you don't have insurance, (as not a US national) so double that. 

 

 

We found that booking online we were offered rates a lot cheaper than US nationals on our rentals.

 

For peace of mind we always took full cover as it was not that expensive. We found this in LA and Las Vegas.


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  # 1730617 6-Mar-2017 06:09
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Wheelbarrow01:

 

Scott3:

 

I am wanting to hire a specific car (Dodge Challenger) and there is only one company (Enterprise) which does it.

 

Dodge Challengers are quite common rental cars in the USA. Most of the major rental companies have them (the base v6 model) in their sports car or muscle car category (along with Camero's and mustang Coupes).

I rented challengers twice from Alamo. I liked that they quote insurance when you book. I don't think you can book it in advance, and have to "Upgrade" at the airport. First time they gave me a good price. Second time they charged like a wounded bull...

If it must be a Challenger rather than the "equivalents" things get a bit harder. If you want one of the (mutiple) V8 options things get a bit harder still. hertz definitely has V8's at the likes of LAX, be prepared to pay a lot though.

Look into Turo if you are wanting a specific car at a good price.

 

 

Initially I wanted a convertible Mustang or Camaro, however we are doing a roughly 3500km road trip from LA up to San Fran/Napa, across to Tahoe, down to Vegas and the Grand Canyon, and then back to LA. Boot space in these models is a problem once you throw in a couple of suitcases, so a hard-top Challenger was the best compromise (bigger trunk to start with, and you don't lose half of it with the top down). It's either that or I go for something like an SUV, but it's my first trip to the states and I want something authentically American .

 

I looked into Hertz as I have Gold status with them, but for my dates (26/05 to 09/06) they only have a Convertible Camaro available. It's US$1250 including the LDW, but I can get a Challenger from Fox for US$617 without LDW, although they indicate that would cost somewhere between US$10 and US$27.99/day additional.

 

I just checked Alamo for the same dates - their price is US$2254!! I also looked at Turo, Cheapest I could find was US$49/day, but the insurance is another 40% of the daily rate, so that works out at about US$1029.

 

I have sent an email to insuremyrentalcar.com asking what happens in the event of an insurable accident - specifically whether I need to pay the rental company and seek reimbursement, or whether they deal with the rental company and pay them directly. I will only consider insuring through them if the latter is correct.

 

 

I read a lot of horror storied with Fox rentals before my trip and the extras that add up to  extra-ordinary rates. We used Avis and they were awesome and so easy.


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  # 1730627 6-Mar-2017 07:13
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Technofreak:

 

We got cover with our travel insurance.

 

 

I highly doubt you do in the US for the very reasons I gave above. Most travel insurance policies only covers rental excess, and do not cover full vehicle replacement. If you hire a car with no CDW/LDW you will have no cover at all with most travel insurance policies. Most rental companies outside the US include basic CDW/LDW as the norm.

 

(And when I say most I'm meaning I've yet to see a policy that will cover a car without CDW/LDW, but if you're willing to pay enough for your policy I'm sure somebody will offer such a policy)

 

 

 

 


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  # 1730628 6-Mar-2017 07:17
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Wheelbarrow01:

 

Initially I wanted a convertible Mustang or Camaro, however we are doing a roughly 3500km road trip from LA up to San Fran/Napa, across to Tahoe, down to Vegas and the Grand Canyon, and then back to LA. Boot space in these models is a problem once you throw in a couple of suitcases, so a hard-top Challenger was the best compromise (bigger trunk to start with, and you don't lose half of it with the top down). It's either that or I go for something like an SUV, but it's my first trip to the states and I want something authentically American .

 

 

I got all excited when there was a Camaro in the executive aisle at National when I got a car in the US a few weeks ago. Went to put the bags in the boot to find they didn't even get close to fitting! Had to settle for a Chrysler 300C instead.

 

Have you checked out rentalcars.com yet?

 

 


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  # 1730657 6-Mar-2017 09:06
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sbiddle:

 

 

 

One option for US rental that can be cheaper is to book through UK sites. You often find they offer rates with included full or partial CDW that's cheaper than booking through US sites. Some providers such as rentalcars.com book vehicles through the big name companies but provide their own insurance which can work out significantly cheaper.

 

 

Advice for the OP, based on lessons learned by us....

 

Be VERY careful when doing this, and make sure you pay FULL attention when picking up the car.

 

We hired a Mustang convertible from Dollar rentals via rentalcars.com. We had paid in full directly with rentalcars.com, and they gave us a voucher to present when picking up the car.

When handing the voucher to the CSR, I asked "So this is all paid in full, right, with nothing more to pay?". He confirmed this was the case, then directed me to scroll through an onscreen contract. He literally said, "Click here, scroll here, and click here", prompting me through the rental contract at a rapid rate.

When we got back to New Zealand, we found an additional charge on our credit card from Dollar for around the same price we'd paid for the car initially. After inquiring with them, we found out it was for optional extras we had "opted in" for, such as unneeded insurance, "special" number plates for toll roads, and a charge for petrol, even though we'd topped up and left them the receipt as directed. There was even an item stating (paraphrasing from memory here) "additional charge as communicated to the customer".

 

Investigating this, I found apparently their business model relies on ripping off customers in this manner. When I complained, they refunded half of these extra charges, but refused to refund the whole amount as I had agreed to them all.

 

Long story short. Make sure you read the rental car contract very carefully, and question every single item on it that you think may incur a charge.


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  # 1730669 6-Mar-2017 09:20
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FWIW I only hire from National in the US as I have EC Executive status with them. With EC Executive you get executive aisle access at sites that have this which means you pay for a midsize and get to pick any vehicle you want. I book LDW at the time of booking which is available from their booking engine.

 

I've never had a single issue in the ~20 or so rentals I've had over the past few years.  I know they're not the cheapest in the market but I've never had a bad experience and have confidence in them. As for the OP wanting to get insurance from a 3rd party it's not something I'd personally do in the US. I would just bite the bullet for the convenience of having it all from the same company and knowing that if I have an accident I don't have anybody else to deal with.

 

 


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