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Rental Car Insurance

In cooperation with: Visit Mexico
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Oshkosh, Wisconsin
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81 posts
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Rental Car Insurance

I am staying at the Sheraton Hacienda del Mar in March/April '05. Can anyone tell me the cost of a shuttle from the airport to the resort. What is the cost of shuttle service from resort to downtown Cabo? What are taxi fares? If we decided to rent a car, what would you suggest. Should we get car rental insurance in Mexico? Sorry for all the questions.

KleinDawg

Colorado Springs, CO
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1. Re: Rental Car Insurance

Some of the guidebooks (and posts) that I have read definitely recommend purchasing the Mexican rental car insurance. It is not that expensive if purchased in advance. Same as renting the car, you want to book it before you leave and purchase the insurance at the time of booking. Chances are you won't need or use the insurance, but if something does happen, better safe than sorry. Don't know how exaggerated the stories are about throwing us Gringos in jail while the authorities figure out who's liable, but I for one don't want to see the inside of a Mexican jail while on vacation (or any other time)!

Lodi, California
Destination Expert
for Cabo San Lucas
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2. Re: Rental Car Insurance

Hi there-check www.loscabosguide.com for shuttles. You must not have booked a package, or your transfer would be included. The shuttle should be about 25-30 dollars RT/person-maybe less. Don't know about taxi fares. If you do decide to rent a car, definitely get the Mexican insurance! It is truly a must if you are going to be driving, and you just don't want your holiday ruined by something so easy to take care of.

Burlington, Vermont
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442 posts
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3. Re: Rental Car Insurance

Okay, I am gonna go through Orbitz and rent a car for the week (it includes taxes etc)-So, Who or where do I go through to get Mexican insurance-who is safe and the best? How much can I expect to pay?

Thanks

KC

Lodi, California
Destination Expert
for Cabo San Lucas
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4. Re: Rental Car Insurance

KC, whom every you rented your car from should have the insurance available for you, but if not, then by all means, do take it when you pick up the car. It really is a must do! Since your car will be on your cc, just make sure it is included. Should not be a problem.

Canada
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40 posts
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5. Re: Rental Car Insurance

Hi KC,

The insurance is available through the rental car company itself and is included with the cost of your rental. There's usually several different insurance packages to choose from, just choose the best one. For only a few more dollars per day it's worth it and you're guaranteed not to have ANY hassles!!!

Enjoy your holiday!!!!

Kansas City
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588 posts
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6. Re: Rental Car Insurance

I also went through Orbitz for rental car. My credit card will cover damages to rental car or anyone in it only- does not provide liability to other vehicles or persons so that is the insurance I will get in Mexico when renting car. If you can purchase that before you go, I have not found the source on the internet. My credit card had website with printable page of coverages that I am taking with me. Good luck.

Burlington, Vermont
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442 posts
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7. Re: Rental Car Insurance

Thanks everyone! I have done alot of searching. Right now, Avis says they can get me a car (economy) for 9 days plus it includes liability insurance not collision for $275. I kept saying is this mexican insurance-they said yes. My CC will cover my collision..Shlould I do this? I want to make sure I am doing the right thing and not to get screwed later...any other thoughts!

Thanks

LOT
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12 posts
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8. Re: Rental Car Insurance

SOME IMPORTANT INFORMATION ON CAR RENTALS IN MEXICO

Following a search online with the established rental car agencies, I settled on a quote from National Car Rental, and made the appropriate reservation. My rental quote for 15 days ( two weeks and one day), for a compact 4 door car with automatic transmission and AC, came to $234.00 (base rate) plus Airport Fee of 23.40 (10%) and State Tax of 25.74 (11%) for a grand total of $283.14.

I thought this was a good price for a two-week rental. Knowing that driving a car in Mexico may involve securing Mexican car insurance, I researched online what the requirements were, and came up with a lot of confusing information. I confirmed that my U.S. car insurance is not valid in Mexico. However, I confirmed that my credit card company, with whose card I was paying the rental, WOULD cover me for Car Rental Loss and Damage in Mexico. Some sources also indicated that car rental quotes in Mexico did include medical liability coverage although many Mexican rental agents may not volunteer that information, so you have to ask for it. It was also suggested to me by a National Car rental agent in the U.S. prior to the trip that I decline all additional insurance coverage in Mexico because it is not necessary

So, upon our arrival, I was less than assured of what I would run into at the car rental desk in Mexico.

It is here that the plot thickens. At the National Car Rental counter at the San Jose del Cabo airport in Baja California, insurance options and coverage are immediately put before me. When I ask three specific times whether the original quote included any kind of insurance coverage including medical liability, I am told it does not. When I inform the agent that my credit card covers me for damage and theft coverage, he informs me that it is not valid in Mexico.

Having set the hook, he offers me two types of coverage:

PARTIAL COVERAGE ($16.00/day)

Includes coverage on third parties involved in the accident (collision and medical); medical coverage for the driver and passengers; and coverage on the rental car (driver pays all damage costs if under 10% of the value of the car; or if damage is over 10% of the car value, driver only pays the 10% deductible).

NOTE: Partial robbery or losses are not covered. In case of total theft, client pays 10% deductible.

FULL COVERAGE ($19.00/day)

Same as above except car is fully covered for any damage due to collision. No deductible.

NOTE: Deductible DOES apply in cases of partial or total theft.

In that the information that I was being given differed from the information I had received in the U.S., I questioned what I was being told. The alternative was to assume responsibility for all possible medical, personal injury, damage and collision, legal, and court costs, etc., etc. according to Mexican law, and to sign a waiver.

At this point in the dialogue, a man standing next to the agent behind the counter spoke up and inquired if we were timeshare owners. He indicated that he was willing to defray some of the insurance costs by paying us $125.00 if we were willing to attend a timeshare presentation. All of this is at the end of a very long day of traveling, in the evening, with still some distance to go to our lodgings for the night. When we said we were not interested, and turned our attention back to the agent still expressing our dissatisfaction with the situation, the rental agent offered to reduce the cost of the full coverage to $16.00/day. Under the circumstances, and because of our degree of potential liability, we begrudgingly accepted.

The total rental bill at this point came to $573.54 (234.00 base rate + 240 insurance + 99.54 airport fee and state tax) ��� over TWICE the original quote of $283.14 !!

Surprisingly, we were not charged any additional fees upon returning the car. I paid for it with the credit card paying 6,664.54 pesos which the agent said equaled the exchange rate of 11.62 pesos per dollar or $573.54. However the final bill on my charge card came to $603.61 ( all in all, 213% higher than the original quote).

IMPORTANT POINTS OF THIS LONG STORY:

DO NOT believe the online quotes you get for car rentals in Mexico, particularly with National Car Rental. Quite often, in my opinion, they are low-balling you to get your upfront business, and then they work you over.

No matter what you hear in the U.S. about insurance coverage for a car you rent in Mexico (and this will vary greatly based upon who you talk with), plan on purchasing insurance in Mexico.

Plan and budget for paying AT LEAST DOUBLE for car rental (including insurance coverage) in Mexico compared to the quote that you receive online in the U.S.

Take copies of your online reservation including quote with you. During the rental process, ask for copies of your rental agreement (with the agreed upon rental rate and totals noted), and your insurance coverage plan (with daily rates noted) before you sign on the dotted line, and drive away.

If possible, pay in pesos or dollars at the end of the rental period rather than using your credit card to avoid the exchange rate fiasco tango.

Enjoy Mexico. It is full of beautiful people and places!