We noticed that you're using an unsupported browser. The TripAdvisor website may not display properly.We support the following browsers:
Windows: Internet Explorer, Mozilla Firefox, Google Chrome. Mac: Safari.

Full CDW car insurance with Vamos : yes or no?

Ontario
Level Contributor
250 posts
1 review
Full CDW car insurance with Vamos : yes or no?

We’ve rented a SUV with Vamos. They are charging me for the 3rd party liability (which i understand is mandatory) and they have received and accepted a letter from my credit card company for the CDW Insurance. However I am debating wether or not to pay the CDW insurance through Vamos regardless. I have read many comments about Vamos not giving renters a hard time with the credit card insurance. But for an extra 110$ for 5 days I am wondering if it is worth the hassle in the event that there is damage to the car or if we were in a accident. Would appreciate comments especially from posters that had the unfortunate experience of damaging the rental.

Thank you!

5 replies to this topic
Nowhere
Destination Expert
for Playa Samara
Level Contributor
4,821 posts
110 reviews
1. Re: Full CDW car insurance with Vamos : yes or no?

It's really completely up to you. I'll try to help with a run-down:

If you use your credit card:

1.) Your deposit will be high.

2.) If you damage the car, you are personally liable and will be charged 100% of the cost - and that includes theft of the vehicle.

3.) You will have to get reimbursed by your credit card issuer.

4.) You will have to deal with all the paperwork.

5.) You need to be aware of your credit card's terms - if you violate them, they will not reimburse you. This may or may not include things like driving the vehicle on "unpaved roads."

6.) Your liability insurance will have a 20% deductible!

If you use Vamos:

1.) Your deposit will be much lower.

2.) If you damage the car, you are only liable up to the deductible (Basic CDW). However, your credit card will NOT pick up the difference.

3.) You deal directly with Vamos and no other party is involved.

4.) Your liability insurance deductible will be zero.

5.) To lower your CDW deductible to zero, you must purchase FULL CDW at additional cost. (which you said you'd do).

Edited: 7:23 am, February 19, 2018
Level Contributor
100 posts
8 reviews
2. Re: Full CDW car insurance with Vamos : yes or no?

There are pros and cons for each side of this decision, and every time we rent there, we revisit the decision. But we always end up just paying for the insurances. That way- everything is covered, and I don’t have to worry about dealing with my credit card after I get home from my awesome vacation should something happen to the vehicle. Tires routinely take a beating there.

Also- check your credit card’s fine print. Some will void coverage if driving on unpaved roads— and unpaved roads are abundant in CR.

Have a great trip!

Slovenia
Destination Expert
for Costa Rica
Level Contributor
20,015 posts
62 reviews
3. Re: Full CDW car insurance with Vamos : yes or no?

There is only 1 cons against buying FULL CDW from the rental car company - its cost. There are only 2 cons against buying a BASIC CDW from a rental car company - its cost and the excess amount. There are multiple cons declining the rental car company CDW. Decision is very personal one.

Tampa, Florida
Level Contributor
4,023 posts
51 reviews
4. Re: Full CDW car insurance with Vamos : yes or no?

I have enjoyed the peace of mind associated with full coverage during our last few trips. We already spend so much on our trips that the difference to Vamos is hard to notice.

Ontario
Level Contributor
250 posts
1 review
5. Re: Full CDW car insurance with Vamos : yes or no?

I have opted for peace of mind! I just don’t want to have to worry about the rental. Thank you to all posters!

Reply to: Full CDW car insurance with Vamos : yes or no?
Get notified by e-mail when a reply is posted