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Why You Shouldn't Rent A Car With A MasterCard

Forbes -- Hidden deep in the dark recesses of your credit card agreement, there may be perks beyond the much-heralded loyalty points emblazoned on its marketing materials. One such perk? Most credit card companies offer free insurance on rental cars. It’s one of the reasons your credit card can be a great travel companion and a great way to avoid forking over an extra 15 bucks every time you go on a trip.

Still, an average of 20% of all customers buy optional insurance from the rental company every time they drive a rental. Another 20% spring for it some of the time. Should you?

If you use a MasterCard, you might need to. Although MasterCard offers rental insurance to its Gold, Platinum, World and World elite class cardholders, some of the company’s cards come without the protection policy.

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Submitted Jul 28, 2012 By: SquawBear

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Gas_Eyes Champion Author Dallas Posts:2,812 Points:671,585 Joined:Mar 2011	Message Posted: Dec 8, 2012 4:56:11 AM Ignore Gas_Eyes Report Abuse Visa is a better choice.
honda0105 Champion Author Tallahassee Posts:18,818 Points:1,636,245 Joined:Nov 2008	Message Posted: Jul 31, 2012 2:48:04 AM Ignore honda0105 Report Abuse always read the fine prints. And it's best to talk to your car insurance company regarding coverage.
SkooterG Champion Author Phoenix Posts:1,369 Points:344,185 Joined:May 2012	Message Posted: Jul 29, 2012 7:51:07 PM Ignore SkooterG Report Abuse Use a Visa?
jrs4125 Champion Author Indiana Posts:2,893 Points:618,470 Joined:Sep 2011	Message Posted: Jul 29, 2012 9:04:28 AM Ignore jrs4125 Report Abuse Dooooooh
rjojo40 Champion Author Las Vegas Posts:7,579 Points:1,101,390 Joined:Feb 2004	Message Posted: Jul 29, 2012 8:34:12 AM Ignore rjojo40 Report Abuse ok then visa it will be
mpg611 Champion Author Cleveland Posts:2,474 Points:596,270 Joined:Apr 2011	Message Posted: Jul 29, 2012 6:33:58 AM Ignore mpg611 Report Abuse Yeaaaaaaaaaaaaaaaaaah I never use my credit card's insurance plan for anything.
remay Champion Author Houston Posts:7,078 Points:2,143,215 Joined:May 2006	Message Posted: Jul 29, 2012 5:52:40 AM Ignore remay Report Abuse I would always check with my auto INSURER, who CARES about the CC?
BEGTWO Champion Author Maryland Posts:2,072 Points:750,640 Joined:Sep 2010	Message Posted: Jul 29, 2012 5:41:08 AM Ignore BEGTWO Report Abuse Good to know!
Bill100 Champion Author Grand Rapids Posts:41,741 Points:1,189,570 Joined:Jan 2010	Message Posted: Jul 29, 2012 4:35:36 AM Ignore Bill100 Report Abuse Not renting a car anyway.
esquared Champion Author Oklahoma City Posts:8,197 Points:1,995,860 Joined:Jan 2006	Message Posted: Jul 28, 2012 8:33:57 PM Ignore esquared Report Abuse Caveat emptor.
JCClark2012 Champion Author New Hampshire Posts:1,542 Points:422,720 Joined:Mar 2012	Message Posted: Jul 28, 2012 8:26:46 PM Ignore JCClark2012 Report Abuse Always read the fine print. Better to be safe then sorry too. I'll take the extra insurance.
texashoudini Champion Author Austin Posts:2,679 Points:1,116,305 Joined:Jun 2009	Message Posted: Jul 28, 2012 8:25:17 PM Ignore texashoudini Report Abuse I've saved a lot of bucks with Visa.
tessnlu Champion Author Missouri Posts:24,536 Points:1,133,940 Joined:Aug 2008	Message Posted: Jul 28, 2012 8:22:58 PM Ignore tessnlu Report Abuse old news
MDTDriver Champion Author California Posts:9,848 Points:2,180,900 Joined:Jul 2006	Message Posted: Jul 28, 2012 8:21:12 PM Ignore MDTDriver Report Abuse AMX is the best card out there.
a_lu_vasile Champion Author Maryland Posts:1,254 Points:790,900 Joined:Jul 2008	Message Posted: Jul 28, 2012 8:19:10 PM Ignore a_lu_vasile Report Abuse AMX
nimpy Champion Author Indianapolis Posts:8,265 Points:1,726,855 Joined:Oct 2007	Message Posted: Jul 28, 2012 8:17:13 PM Ignore nimpy Report Abuse Good information
Agarre Champion Author Richmond Posts:1,335 Points:263,785 Joined:Feb 2012	Message Posted: Jul 28, 2012 8:15:26 PM Ignore Agarre Report Abuse AMX
carefrey Champion Author Orlando Posts:5,660 Points:1,184,260 Joined:Sep 2009	Message Posted: Jul 28, 2012 8:13:24 PM Ignore carefrey Report Abuse Don't rentt!
mcmonsta Champion Author Honolulu Posts:3,342 Points:844,495 Joined:Sep 2009	Message Posted: Jul 28, 2012 8:13:12 PM Ignore mcmonsta Report Abuse Visa may work
itzagasgasgas1 Champion Author Cincinnati Posts:4,109 Points:1,625,995 Joined:Aug 2005	Message Posted: Jul 28, 2012 8:10:46 PM Ignore itzagasgasgas1 Report Abuse Visa
Glock26 Champion Author Dayton Posts:1,654 Points:658,135 Joined:Mar 2011	Message Posted: Jul 28, 2012 8:10:25 PM Ignore Glock26 Report Abuse Never assume anything!!!
idigau22 Champion Author Washington Posts:23,601 Points:3,228,610 Joined:Apr 2003	Message Posted: Jul 28, 2012 8:10:19 PM Ignore idigau22 Report Abuse √
A2J Champion Author Richmond Posts:3,205 Points:628,700 Joined:Aug 2011	Message Posted: Jul 28, 2012 8:09:27 PM Ignore A2J Report Abuse good
Yankee829 Champion Author Dallas Posts:2,344 Points:586,315 Joined:Sep 2010	Message Posted: Jul 28, 2012 8:08:22 PM Ignore Yankee829 Report Abuse Ok
fenster66 Champion Author Pittsburgh Posts:3,485 Points:700,815 Joined:May 2011	Message Posted: Jul 28, 2012 8:07:30 PM Ignore fenster66 Report Abuse good to know...
serrog Champion Author Nova Scotia Posts:5,700 Points:1,538,855 Joined:Oct 2008	Message Posted: Jul 28, 2012 8:06:21 PM Ignore serrog Report Abuse ok
J Eric Champion Author Los Angeles Posts:10,385 Points:2,093,070 Joined:Feb 2004	Message Posted: Jul 28, 2012 8:04:42 PM Ignore J Eric Report Abuse I always get the additional rental-company insurance. Most people think I'm a sap. BUT, if anything ever happened, I like knowing I would be covered (or hope I would be). I don't trust "credit card insurance" any more than "credit card free towing service" which is also supposedly included. Wait til you break down on a rainy night and see how this service is handled! (It isn't; you are invariably "out of the service area" which seems to include Minneapolis and parts of Bora Bora but nowhere in California...)
altima2008 Champion Author Philadelphia Posts:8,295 Points:1,763,740 Joined:Apr 2008	Message Posted: Jul 28, 2012 8:04:31 PM Ignore altima2008 Report Abuse Take the bus!
unicornIL Veteran Author Chicago Posts:451 Points:393,570 Joined:Jan 2012	Message Posted: Jul 28, 2012 8:04:21 PM Ignore unicornIL Report Abuse good to know
sillywagon Champion Author New York Posts:15,105 Points:1,467,845 Joined:Oct 2008	Message Posted: Jul 28, 2012 8:02:47 PM Ignore sillywagon Report Abuse Visa is best with 87% coverage? How do you know when you'll be in a situation that's in the 13% of lousy coverage. It would be the difference between a great or good trip, and a nightmare.
Bleeder Champion Author Virginia Posts:8,038 Points:1,717,725 Joined:Jan 2008	Message Posted: Jul 28, 2012 7:59:59 PM Ignore Bleeder Report Abuse This is some good information I did not know.
DandyDapple All-Star Author North Dakota Posts:715 Points:330,170 Joined:Sep 2008	Message Posted: Jul 28, 2012 7:59:53 PM Ignore DandyDapple Report Abuse ...
Johnnyrebell12 Champion Author Massachusetts Posts:1,337 Points:1,437,930 Joined:Aug 2005	Message Posted: Jul 28, 2012 7:59:09 PM Ignore Johnnyrebell12 Report Abuse Interesting to know not that I rent very often, but good information to have to pass it on to friends and family Thank you
nigelb Champion Author Virginia Posts:8,592 Points:1,417,505 Joined:Feb 2008	Message Posted: Jul 28, 2012 7:58:30 PM Ignore nigelb Report Abuse I am fortunate - I found this out years ago, Nigel²
DancingDee Champion Author Gary Posts:4,417 Points:1,061,850 Joined:Jul 2005	Message Posted: Jul 28, 2012 7:57:19 PM Ignore DancingDee Report Abuse Good article.
1Casey Champion Author Albany Posts:6,631 Points:1,810,195 Joined:Jun 2004	Message Posted: Jul 28, 2012 7:56:24 PM Ignore 1Casey Report Abuse good
Tekkersmom57 Champion Author Syracuse Posts:2,014 Points:727,915 Joined:May 2010	Message Posted: Jul 28, 2012 7:54:56 PM Ignore Tekkersmom57 Report Abuse I'm glad that I don't rent a vehicle with MasterCard. I have other choices and I'm glad to have read this article to know which cards to use.
GoneUpAgain Champion Author Atlanta Posts:7,763 Points:1,370,980 Joined:May 2004	Message Posted: Jul 28, 2012 7:46:55 PM Ignore GoneUpAgain Report Abuse I didn't know that. I wonder if Discover does since I'm currently renting a car. Uh oh!
zeeflyers All-Star Author Pittsburgh Posts:713 Points:230,655 Joined:Feb 2012	Message Posted: Jul 28, 2012 7:46:53 PM Ignore zeeflyers Report Abuse interesting.
WBBNC Veteran Author North Carolina Posts:499 Points:488,640 Joined:Jan 2011	Message Posted: Jul 28, 2012 7:45:41 PM Ignore WBBNC Report Abuse It's good to know
abcdMA Champion Author Worcester Posts:8,052 Points:1,600,730 Joined:Nov 2008	Message Posted: Jul 28, 2012 7:44:51 PM Ignore abcdMA Report Abuse good info
EmperorsFinest Champion Author Chicago Posts:1,564 Points:340,870 Joined:Jul 2011	Message Posted: Jul 28, 2012 7:44:22 PM Ignore EmperorsFinest Report Abuse I never knew this!
RitaVespa Champion Author Oregon Posts:3,104 Points:817,970 Joined:Jan 2011	Message Posted: Jul 28, 2012 7:42:29 PM Ignore RitaVespa Report Abuse you could also just CHECK WITH YOUR CAR INSURANCE!
walkingtall Champion Author Toronto Posts:4,129 Points:1,147,430 Joined:Nov 2004	Message Posted: Jul 28, 2012 7:41:39 PM Ignore walkingtall Report Abuse Why you shouldn't rent a car with a Mastercard and renting in Europe,you need to check with your insurance and creditcard company to see if your covered.Read fine prints that's what counts.
FrayserMailman Veteran Author Memphis Posts:286 Points:1,539,085 Joined:Aug 2005	Message Posted: Jul 28, 2012 7:39:07 PM Ignore FrayserMailman Report Abuse MC just plain de ol s*cks! Tried dealing with them twice in the last 45-yrs., had problems with them both times and canceled both times! VISA has been my least problem with any credit card companies. Only have a VISA and Amer.Expr. now, all I need!
letterchunker Champion Author Texas Posts:2,335 Points:683,150 Joined:Aug 2008	Message Posted: Jul 28, 2012 7:39:03 PM Ignore letterchunker Report Abuse ok
big_mac64 Champion Author Tennessee Posts:10,600 Points:1,490,130 Joined:May 2005	Message Posted: Jul 28, 2012 7:36:33 PM Ignore big_mac64 Report Abuse my MC offers the coverage, but more important, so does my car insurance carrier!
danlanman Champion Author North Carolina Posts:3,462 Points:748,960 Joined:May 2011	Message Posted: Jul 28, 2012 7:35:58 PM Ignore danlanman Report Abuse ok
SUPERQUACK Champion Author Sacramento Posts:6,247 Points:1,937,380 Joined:Jun 2007	Message Posted: Jul 28, 2012 7:33:32 PM Ignore SUPERQUACK Report Abuse GOOD DEAL !!!!!!!!!!!!!
suzmar Champion Author Texas Posts:2,223 Points:896,060 Joined:Jun 2006	Message Posted: Jul 28, 2012 7:32:19 PM Ignore suzmar Report Abuse We always use Amex also.