Yeah, the exclusions on credit card coverage can be a real pain—had a buddy get burned because his card didn’t cover “luxury” vehicles, which apparently included a basic Jeep. From what I’ve seen, even a small claim on your personal policy can nudge your rates up. Sometimes that rental insurance feels overpriced, but if you’re in an unfamiliar place or driving something different, it can save you a headache down the line. I usually weigh the risk vs. cost each trip... not a perfect system, but it’s worked so far.
Honestly, I get why folks grab the rental insurance, but for me, it’s almost never worth it. I’ve got a couple points on my license (yeah, not proud), so my regular insurance is already high enough—no way I’m paying extra if I don’t have to. Those rental counter folks always try to scare you into buying their coverage, but if you read the fine print on your own policy (or even some credit cards), you’re usually covered for most stuff.
I get that there are weird exclusions and all, but I’d rather risk it than pay an extra $20+ a day. Last time I rented, the “insurance” would’ve doubled my cost for a three-day trip… no thanks. If you’re careful and not driving anything wild, odds are you’ll be fine. Guess it comes down to how much risk you can stomach—personally, I’ll take my chances and keep my wallet happy.
- Totally get where you’re coming from. I’ve skipped the rental insurance a bunch of times, too, since my auto policy covers rentals (at least in the US).
- One thing that always makes me pause: the “loss of use” fees some rental companies charge if the car’s out of commission after an accident. Not every insurance or credit card covers that, and those fees can add up fast.
- I usually do a quick check with my insurer before a trip, just to be sure.
- Curious—has anyone actually had to file a claim for damage on a rental? Did your regular insurance handle it smoothly, or was it a hassle?
Had to deal with this a couple years back after a fender bender in a rental. My regular auto insurance did cover the damage, but the process was way more drawn out than I expected. The rental company charged me upfront for the repairs and “loss of use,” then I had to chase my insurer for reimbursement. That “loss of use” fee was the kicker—my insurance only covered part of it, so I ended up eating a chunk of the cost.
Honestly, I used to think rental insurance was a total ripoff, but after that headache, I’m a bit more cautious. If it’s a short trip and I’m not going anywhere sketchy, I’ll still skip it. But if I’m driving somewhere unfamiliar or the rental is pricey, I’ll at least consider the extra coverage. It’s not always worth it, but man, those hidden fees can sting if you’re unlucky. Just my two cents...
Yeah, that “loss of use” charge is what gets me too. I’ve been reading the fine print lately and it’s wild how many things aren’t covered by regular insurance. Also, some credit cards only cover collision, not liability. It’s a lot to keep track of... I’m leaning toward extra coverage for longer trips, just for peace of mind.
