Can an American citizen buy excess coverage for a rental car in Ireland ? When I look at private excess coverage agreements, it says must be an Irish citizen.
I don't believe a US citizen can purchase a monthly excess cover policy. All that I've seen are for EU citizens only.
There are some travel insurance policies that will cover CDW on a rental car. It has been reported here that Orbitz (the travel booking site) is selling a policy underwritten by TransAmerica if you book a car through them. There are also a few you will find on travel insurances sites like insuremytrip.com as part of a more comprehensive policy (trip delay, cancellation, medical, evacuation, .....)
One issue is that many of the Irish rental agencies say the only options are to use a credit card for insurance (including having a letter referencing your card number) or buy their CDW. It would also be reimbursement based insurance, just like a credit card. If the car is damaged you pay the rental agency then file a claim with the bank/insurance and get reimbursed.
American residents can purchase a car rental damage insurance policy underwritten in the US. This covers US residents traveling in the US and overseas (but) often excludes Ireland if the policy is a standalone car rental insurance policy - for example on Allianz Global Assistance or Bonzah.com in the US - when you select Ireland you get a message "This policy does not cover travel to Ireland"
However - there are alternatives - if you buy a standard travel insurance policy that includes car rental damage insurance too, then the policy will be valid in Ireland (it's only standalone policies that are not) iTravelInsured ( https://itravelinsured.pablow.io/ ) have a travel insurance policy that covers car rental damage up to $40K and is valid in Ireland.
If you go the route of taking other than the rental company insurance you will:
Pay an administration Fee, this is to cancel the insurance on the rental policy for the duration of the rental (can't have 2 policies running at once)
Be required to have a large sum "Held" on your Credit card in lieu of any Damage.
Should something go wrong its down to you to sort the money out
You better believe the rental company will find the scratches that can be claimed against your insurance and not theirs.
Your insurance also has to be acceptable as cover by the rental car company (the people who give you the keys not a consolidator, people who generally under sells the deal anyway.
Be sure you know what you are doing and don't come back to shout Scam if you don't.
Thanks. I really appreciate this information.
Thanks for the information. :)
Just use your cc insurance...rental companies in ireland include liability
"Just use your cc insurance" that level of innocence causes all sorts of problems to a lot of people. Firstly you would need a Credit card which provides cover on the Island of Ireland. Most Don't.
Then : "Your insurance also has to be acceptable as cover by the rental car company (the people who give you the keys not a consolidator, people who generally under sells the deal anyway."
Reading between the lines in recent years it seems you need a "Chase" backed card.
Actually there are millions upon millions of credit cards circulating the in the US that cover rentals in Ireland.
Banks that offer coverage on all cards:
Citibank - 110 Millon cards (18% of US market)
JP Morgan Chase - 94 Million cards (15%)
American Express - 55 Million (9%) (started in September 2017)
Banks offering coverage on World MasterCard (note I don't know the breakdown percentage in their portfolios)
Bank of America - 80 million
Capital One - 63 million
Those five banks alone are 66% of the US market. Discover adds another 7% and covers Ireland, but it is poorly accepted for any kind of payment in Ireland.
Dooley is the only one I have seen with language indicating only a World Mastercard is required and that is only in the pop up on their website. Their T&C do not discriminate against any individual banks or card networks.
Yes you do need to read the T&C of the rental agency along with your card benefits and get a letter of coverage, but it is hardly rocket science.
even though you can buy travel insurance that has car coverage you'd need to make sure the rental company will accept it....just because you can buy such a policy does not mean the guy that hands you the keys, as Tony says, will accept it......they aren't obligated to do so.....then where accepted just be prepared for the large hold on your credit card......