Questions and Answers

Hey Ben,

I typically decline the rental company’s insurance (and used the credit card’s) when I rent a car in the US. Next week, however, I’m considering renting a car in Grand Cayman. Do you have any recommendations on what card to use for the insurance (I have the CSP, Citi Premier, among others). Citi seems to be a slightly better choice at the moment with their “Worldwide” coverage, but what I find a bit disconcerting is that the verbiage says “may” (as opposed to “will” or “shall”). Is there any way to get a more guaranteed statement of coverage? The pamphlet that came with the card looks more like promotional material than something that would hold up with a claim / in court. Of course, there’s always the just-buy-their-insurance option, but it would be nice to avail some of the benefits these cards come with.

Thanks,
Arun.

The CSP provides insurance primary insurance coverage everywhere (I believe the Citi is only primary outside the US) so either should work. I would call the company and make sure you that the location is not excluded for any reason and get a good understanding of what exactly is covered.