Geekzone: technology news, blogs, forums
Guest
Welcome Guest.
You haven't logged in yet. If you don't have an account you can register now.


Filter this topic showing only the reply marked as answer View this topic in a long page with up to 500 replies per page Create new topic
1 | 2 | 3 | 4
2514 posts

Uber Geek
Inactive user


  #1730676 6-Mar-2017 09:27
Send private message

True, paying out then having to claim back would be a PITA



991 posts

Ultimate Geek

Trusted
Chorus

  #1730737 6-Mar-2017 11:08
Send private message

dickytim: True, paying out then having to claim back would be a PITA

 

Yea absolutely, especially when it could potentially be the full market value of the vehicle. I can't remember the limit on my credit card, but pretty sure it's not US$30,000 lol. I might just have to bite the bullet and take the rental company's LDW....


 
 
 
 


1869 posts

Uber Geek

Lifetime subscriber

  #1730739 6-Mar-2017 11:11
Send private message

I've used Holiday Autos several times in the past.  They act as a broker / price comparator with all costs and insurance cover details transparent up front


4634 posts

Uber Geek


  #1730823 6-Mar-2017 12:14
Send private message

Technofreak:

 

We got cover with our travel insurance.

 

 

Which company/policy? 

 

Perhaps some corporate types of insurance might cover US rental car insurance.... certainly I could find no retail insurance product that offers comprehensive rental insurance. 

 

Which is why I am interested in where you found something. 


4634 posts

Uber Geek


  #1730830 6-Mar-2017 12:22
Send private message

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.

 

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

 

 

Your 2.5 million liability insurance does not apply to rental car hire, because there will be a subclause saying it does not apply to motor vehicle claims. 

 

Each state can differ significantly in laws around rental car insurance too.   

 

And, the rental car companies obfuscate the information such that there is no simple way to figure this out. 

 

I did intensive research on this about 4 years ago or so, and found, generally you must take the extra insurance options (except in some states). 

 

 

 

 

 

 

 

 


4634 posts

Uber Geek


  #1730844 6-Mar-2017 12:34
Send private message

sbiddle:

 

 

 

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).

 

 

Exactly my experience, and, I have spent a few hours looking into USA insurance online and on the phone with insurance companies. 

 

It is actually amazing how little our local insurance retailers actually know about US rental car insurance. They pretty much had no clue. 

 

Some as you said earlier, require you to take all the insurance options out.  Some don't (eg, ASB platinum). 

 

Aussie rental agreements are better setup,  as rental companies cover you by default (included in the quote) with a 3-4k excess.  Any decent insurance policy should then cover excess payments up to that value. Too bad the US is not the same. 

 

 


4634 posts

Uber Geek


  #1730846 6-Mar-2017 12:35
Send private message

kobiak:

 

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?

 

 

That was my experience in Australia (hit from behind while stopped at lights). I paid the full excess, claimed it back when I got to NZ. 

 

Fault is irrelevant too. 


 
 
 
 


28951 posts

Uber Geek

Moderator
Trusted
Biddle Corp
Lifetime subscriber

  #1730850 6-Mar-2017 12:37
Send private message

surfisup1000:

 

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.

 

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

 

 

Your 2.5 million liability insurance does not apply to rental car hire, because there will be a subclause saying it does not apply to motor vehicle claims. 

 

Each state can differ significantly in laws around rental car insurance too.   

 

And, the rental car companies obfuscate the information such that there is no simple way to figure this out. 

 

I did intensive research on this about 4 years ago or so, and found, generally you must take the extra insurance options (except in some states). 

 

 

 

Ahh that's a really good point. I hadn't looked at the ANZ policy for ages as I don't rely on so it would pay to check the liability doesn't exclude anything involving a motor vehicle.

 

The cost of CDW/LDW does vary between states due to the various laws each has.

 

 


28951 posts

Uber Geek

Moderator
Trusted
Biddle Corp
Lifetime subscriber

  #1730853 6-Mar-2017 12:39
Send private message

surfisup1000:

 

Aussie rental agreements are better setup,  as rental companies cover you by default (included in the quote) with a 3-4k excess.  Any decent insurance policy should then cover excess payments up to that value. Too bad the US is not the same. 

 

 

 

 

The US is pretty unique (in many ways!). It's why booking through some UK sites can give you a far better deal in the US as it includes things like insurance.

 

 




991 posts

Ultimate Geek

Trusted
Chorus

  #1730865 6-Mar-2017 13:02
Send private message

sbiddle:

 

surfisup1000:

 

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.

 

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

 

 

Your 2.5 million liability insurance does not apply to rental car hire, because there will be a subclause saying it does not apply to motor vehicle claims. 

 

Each state can differ significantly in laws around rental car insurance too.   

 

And, the rental car companies obfuscate the information such that there is no simple way to figure this out. 

 

I did intensive research on this about 4 years ago or so, and found, generally you must take the extra insurance options (except in some states). 

 

 

 

Ahh that's a really good point. I hadn't looked at the ANZ policy for ages as I don't rely on so it would pay to check the liability doesn't exclude anything involving a motor vehicle.

 

The cost of CDW/LDW does vary between states due to the various laws each has.

 

 

 

 

Thanks for pointing this out. From the ANZ travel policy wording I have:

 

Exclusions
We will not pay damages, compensation or legal
expenses in respect of any liability directly or indirectly
arising out of or in connection with:

 

4. Loss of or damage to property or bodily injury
(including death or illness), arising out of your
ownership, use or possession of any mechanically
propelled vehicle, aircraft or waterborne craft.

 

I clearly missed this on my previous read-though of the ANZ policy. I am starting to realise that it provides basically no cover for anything you are likely to actually need it for....

 

I am more or less resigned to not getting the car I really want now, just so that I can afford to take the LDW/CDW on offer. But looks like I will still need to find some other form of 3rd party injury/damage cover as well... No doubt this is offered at the counter.


28951 posts

Uber Geek

Moderator
Trusted
Biddle Corp
Lifetime subscriber

  #1730946 6-Mar-2017 14:18
Send private message

SLI = supplementary liability insurance

 

I mentioned it briefly further up.

 

The US really isn't the place to not have insurance. People love lawyering up for car accidents!

 

 

 

 




991 posts

Ultimate Geek

Trusted
Chorus

  #1732192 7-Mar-2017 00:37
Send private message

So I ended up booking a Mustang convertible (or similar) through Sixt - US$723 for 15 days, including loss/collision damage waiver and supplementary liability insurance. This was cheaper than anything I could find on rentalcars.com or other similar sites. It seems like pretty good value after my research, and since watching some youtube videos I am confident we'll fit our luggage in the Mustang trunk. However if the 'similar' ends up being a Camaro convertible we may have an issue with that!

 

I was almost going to book the Dodge Challenger through Fox, but while the daily rate was slightly cheaper, to have full LDW and SLI took the price up to US$1400ish, and there was no guarantee it would be a Challenger anyway, so it made no sense to spend the extra for a maybe. In fact their booking page said Challenger or Mustang or similar. I'd kick myself if I went this way and ended up paying almost double for the same car I would have got with Sixt anyway.

 

I know I most likely won't be getting a V8, but it will do the job. In any case the car is only one aspect of our trip so it doesn't pay to anguish over it too much. I have free cancellation with Sixt up until we travel, so if anything better pops up I can always change my arrangements, but at least I have something booked now.

 

Thanks everyone for your insights and advice cool


395 posts

Ultimate Geek


  #1733411 9-Mar-2017 05:34
Send private message

I'm in a similar boat. We're going to the US for a long (long) summer road trip. Because of the crazy one way drop fees we've just decided to go all out and basically go from one side of the country and back again in about 2 months. For some of that time we've got family with us so we're going to be getting the Dodge Grand Caravan.

 

I've found it on Budget for $2800NZD for the full 55 days but now we come to the same problem. LWR is $44NZD/day and SLI is $23NZD/day. So now i'm looking at another $3600 on top of the $2800. I'm looking at getting something like insuremyrentalcar.com which will cover the LWR fine but it's the SLI I'm worried about. Similarly my travel insurance won't pay out liability if caused by a motor vehicle so it's very frustrating. 

 

Rentalcars.com might be an option as you're paid, but it's hard to find any information about how much they'll actually pay out etc if there is a problem etc

 

 





Web development blog: http://www.devhour.net
Follow me on twitter: @JAGracie

2514 posts

Uber Geek
Inactive user


  #1733415 9-Mar-2017 06:28
Send private message

Kingy:

 

I'm in a similar boat. We're going to the US for a long (long) summer road trip. Because of the crazy one way drop fees we've just decided to go all out and basically go from one side of the country and back again in about 2 months. For some of that time we've got family with us so we're going to be getting the Dodge Grand Caravan.

 

I've found it on Budget for $2800NZD for the full 55 days but now we come to the same problem. LWR is $44NZD/day and SLI is $23NZD/day. So now i'm looking at another $3600 on top of the $2800. I'm looking at getting something like insuremyrentalcar.com which will cover the LWR fine but it's the SLI I'm worried about. Similarly my travel insurance won't pay out liability if caused by a motor vehicle so it's very frustrating. 

 

Rentalcars.com might be an option as you're paid, but it's hard to find any information about how much they'll actually pay out etc if there is a problem etc

 

 

 

 

Just buy a car for that, get a dunger, a tool kit and hit the open road.


2514 posts

Uber Geek
Inactive user


  #1733416 9-Mar-2017 06:30
Send private message

 Please note that if you get insurance cover from the 3rd party rental agency you still have to pay the excess then claim it back.

 

 

 

We fiancé booked this and when I read the fine print if anything had have happened we would have been 5,500 out of pocket until airportrentals.com paid out on the policy.

 

Worth noting if you don't have a spare 3,000 - 5,500 laying around.


1 | 2 | 3 | 4
Filter this topic showing only the reply marked as answer View this topic in a long page with up to 500 replies per page Create new topic



Twitter and LinkedIn »



Follow us to receive Twitter updates when new discussions are posted in our forums:



Follow us to receive Twitter updates when news items and blogs are posted in our frontpage:



Follow us to receive Twitter updates when tech item prices are listed in our price comparison site:





News »

Sony introduces the digital camera ZV-1 for content creators
Posted 27-May-2020 12:47


Samsung Announces 2020 QLED TV Range
Posted 20-May-2020 16:29


D-Link A/NZ launches AI-Powered body temperature measuring system
Posted 20-May-2020 16:22


NortonLifeLock Online Banking Protection now available for New Zealand banks
Posted 20-May-2020 16:14


SD Express delivers new gigabyte speeds for SD memory cards
Posted 20-May-2020 15:00


D-Link A/NZ launches Nuclias cloud managed network solution hosted in Australia
Posted 11-May-2020 17:53


Logitech introduces new video streaming solution for home studios
Posted 11-May-2020 17:48


Next generation Volvo cars to be powered by Luminar LiDAR technology
Posted 7-May-2020 13:56


D-Link A/NZ launches Wi-Fi Certified EasyMesh system
Posted 7-May-2020 13:51


Spark teams up with Microsoft to bring Xbox All Access to New Zealand
Posted 7-May-2020 13:01


Microsoft plans to establish its first datacenter region in New Zealand
Posted 6-May-2020 11:35


Genesis School-gen has joined forces with Mind Lab Kids
Posted 1-May-2020 12:53


Malwarebytes expands into privacy with fast, frictionless VPN
Posted 30-Apr-2020 16:06


Kordia to donate TV airtime on Channel 200 to community groups
Posted 30-Apr-2020 16:00


OPPO A91 is a high specs mid-range smartphone
Posted 23-Apr-2020 16:44



Geekzone Live »

Try automatic live updates from Geekzone directly in your browser, without refreshing the page, with Geekzone Live now.


Support Geekzone »

Our community of supporters help make Geekzone possible. Click the button below to join them.

Support Geezone on PressPatron



Are you subscribed to our RSS feed? You can download the latest headlines and summaries from our stories directly to your computer or smartphone by using a feed reader.

Alternatively, you can receive a daily email with Geekzone updates.