Will a car rental gc nullify credit card coverage? - Timeshare Users Group Online Community Forums

DebBrown · February 4, 2008, 10:03 AM

I have a car rental coming up in Orlando. I had intended to use a gift certificate to pay for this but then realized that it is my credit card that is providing the insurance. So, I'm wondering if I pay for half of it with the gift certificate and put half on my credit card, will I have insurance coverage?

Deb

Blues · February 4, 2008, 10:07 AM

Good question. Not to hijack your thread, but I have a similar situation, and you got me wondering. I have an upcoming rental in Orlando that I won through Priceline bidding (my first time using Priceline). I paid Priceline with a credit card that has collision coverage. Does this count? IOW, am I covered through my CC coverage on this? Thanks.

djs · February 4, 2008, 12:26 PM

To the OP, I believe you can reserve the car with your CC, and then when you return the car (and if there have been no incidents during the rental) you can ask to use the GC instead of leaving it on the CC. If you were unfortunate enough to have an incident, then you'd just leave the car on the CC.

To the second poster, I'm not sure how it works in that case, but I believe the rental will have been paid with the CC, so my guess is you'd be fine.

DebBrown · February 4, 2008, 01:38 PM

Good point! I was thinking that I would credit the gift certificate against the cost when I picked up the car. The drop off at MCO is usually at the lot and the car is checked in via a handheld computer. Can they process the gift certificate then? Maybe I'll have to check with the company.

Thanks,
Deborah Brown

philemer · February 4, 2008, 01:42 PM

My guess is that the entire cost of the rental must be on the CC. Read the little brochure that came with card or call the co.

Icarus · February 4, 2008, 04:09 PM

Quote:

Originally Posted by Blues

Good question. Not to hijack your thread, but I have a similar situation, and you got me wondering. I have an upcoming rental in Orlando that I won through Priceline bidding (my first time using Priceline). I paid Priceline with a credit card that has collision coverage. Does this count? IOW, am I covered through my CC coverage on this? Thanks.

Yes. Several years ago Priceline and the CC companies announced that your coverage would be provided based on the card you used to pay priceline.

Though it doesn't hurt to double check to make sure this hasn't changed.

-David

regatta333 · February 4, 2008, 04:50 PM

I recently verified with AmEx that the entire rental must be charged for their coverage to apply. I'm guessing it's probably the same with other credit card companies.

DebBrown · February 4, 2008, 09:08 PM

Thanks much! I'll skip the gift certificate.

Deb

February 4, 2008, 10:03 AM	#1
DebBrown TUG Lifetime Member BBS Reg. Date: Jun 6, 05 Posts: 967 Resorts: Swallowtail HHI, Foxrun NC, Villa del Mar PV	Will a car rental gc nullify credit card coverage? I have a car rental coming up in Orlando. I had intended to use a gift certificate to pay for this but then realized that it is my credit card that is providing the insurance. So, I'm wondering if I pay for half of it with the gift certificate and put half on my credit card, will I have insurance coverage? Deb

February 4, 2008, 01:42 PM	#5
philemer Moderator TUG Lifetime Member BBS Reg. Date: Aug 17, 04 Location: BEAUTIFUL IDAHO Posts: 2,949 Resorts: HI, ID, TX, UT & S.A.	My guess is that the entire cost of the rental must be on the CC. Read the little brochure that came with card or call the co. __________________ Phil GO VIKINGS

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February 4, 2008, 10:07 AM	#2
Blues TUG Member BBS Reg. Date: Jun 6, 05 Location: Monterey County CA Posts: 888 Resorts: HGVC, The Ridge Tahoe	Good question. Not to hijack your thread, but I have a similar situation, and you got me wondering. I have an upcoming rental in Orlando that I won through Priceline bidding (my first time using Priceline). I paid Priceline with a credit card that has collision coverage. Does this count? IOW, am I covered through my CC coverage on this? Thanks.

February 4, 2008, 12:26 PM	#3
djs TUG Member BBS Reg. Date: Nov 29, 06 Location: South Boston, MA Posts: 826 Resorts: Ridge Tahoe	To the OP, I believe you can reserve the car with your CC, and then when you return the car (and if there have been no incidents during the rental) you can ask to use the GC instead of leaving it on the CC. If you were unfortunate enough to have an incident, then you'd just leave the car on the CC. To the second poster, I'm not sure how it works in that case, but I believe the rental will have been paid with the CC, so my guess is you'd be fine.

February 4, 2008, 01:38 PM	#4
DebBrown TUG Lifetime Member BBS Reg. Date: Jun 6, 05 Posts: 967 Resorts: Swallowtail HHI, Foxrun NC, Villa del Mar PV	Good point! I was thinking that I would credit the gift certificate against the cost when I picked up the car. The drop off at MCO is usually at the lot and the car is checked in via a handheld computer. Can they process the gift certificate then? Maybe I'll have to check with the company. Thanks, Deborah Brown

February 4, 2008, 04:50 PM	#7
regatta333 TUG Member BBS Reg. Date: Oct 27, 05 Location: Maryland Posts: 230 Resorts: Wyndham: Newport at Long Wharf, Branson, Star Island (Orlando), Nashville, Seawatch at Myrtle Beach	I recently verified with AmEx that the entire rental must be charged for their coverage to apply. I'm guessing it's probably the same with other credit card companies.

February 4, 2008, 09:08 PM	#8
DebBrown TUG Lifetime Member BBS Reg. Date: Jun 6, 05 Posts: 967 Resorts: Swallowtail HHI, Foxrun NC, Villa del Mar PV	Thanks much! I'll skip the gift certificate. Deb