Questions and Answers

Traveling to Italy in September and is there a credit card that provides car rental loss and damage insurance in that country.

Chase Sapphire Preferred/Reserve would work. I would just call Chase before you confirm anything to make sure the list of excluded has not been updated to include Italy.

[URL]http://onemileatatime.boardingarea.com/2016/08/03/chase-sapphire-preferred-car-rental-insurance/[/URL]

In my experience renting cars in Italy over the past 15 years, I have not found a single rental company which will allow you to decline CDW. That said, even when paying for CDW, it typically doesn’t include the deductible which can be very high, typically €1000. I pay for the extra all inclusive coverage, which covers everything including the deductible. My credit card CDW coverages typically exclude Italy and Ireland.

I had a rental car stolen in Napoli back in 2013 and was not charged anything by the car company for the loss because I had the all inclusive coverage. Even with the all inclusive coverage, they will still “charge” your credit card €500 for incidental damage (tires and windshield) when you rent the vehicle but that charge is never processed if you return the car in good shape.