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What should I do at the rental desk if I am traveling abroad with Collision Damage Coverage (for US Residents)?

Our Collision Damage Coverage plan is for US Residents. As it's primary coverage you do not have to make a claim against your auto insurance. Additional drivers who are on the rental agreement with you are covered free of charge and it's a zero deductible plan. 

As outlined in our general overview of car rental insurance in the USA, the insurance options are different to the rest of the World. The US is a zero deductible market, so there's no repair costs to pay if you have Collision Damage Coverage. The only costs to pay are collision-related fees that are charged by the rental companies such as "loss of use", relocation and administration fees (all are included in our Extra Cover product).

All other countries have a deductible (called "excess" outside of the US). There are consequently two policies to be aware of:

1. CDW: Outside of the US, Collision Damage Waivers (also called Loss Damage Waivers if they include Theft Protection) provide coverage up to the full value of the car, but they also have a deductible/excess. Depending on the country and rental company the deductible can be between US$500 and US$5,000.
2. SCDW: Outside of the US, Super Collision Damage Waivers (which have multiple other names that are designed to confuse renters) reduce the deductible/excess towards $0. They do not exist in the US because the US is a zero deductible market. With SCDW, the more you pay, the deductible/excess gets closer to $0, and there's less exclusions such as windscreens & tires.

If you have our Collision Damage Coverage you do not need to purchase CDW or SCDW from the rental companies. Your Collision Damage Coverage has $0 deductible so it performs the function of CDW and SCDW, a saving of up to $50 per day. The full cost of damages would be reimbursed by AON.

There are some rental companies, particularly in Latin America and Europe, who require you to purchase their own Collision Damage Waivers. We think it is a highly questionable business practice but either way, rest assured that your Collision Damage Coverage still applies because it is a better alternative to the rental company's SCDW.

Please see our FAQ entitled "What to do at the rental desk in Latin American countries" and there's more details in our rental guides for USEurope, Australia/NZ, Canada and Africa

AON handles claims on your behalf once you file a claim or inform them of the incident (check your Policy Wording or confirmation emails for details). For travel outside of the US, you would may be required to pay the rental company and then AON will reimburse you. If you are unable to pay, AON will step in to pay on your behalf. Read on for more information about claims for "Collision Damage Coverage".
 


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Country: Asian Countries

What should I do at the rental desk in Asian Countries

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How does Excess Reduction & Third Party Insurance work in Australia and New Zealand
What should I do at the rental desk in Australia/NZ?

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What should I do at the rental desk in Canada?

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What should I do at the rental desk in Latin American Countries

Country: Namibia/Africa

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Country: United States

What are the insurance options in the USA? How does the US differ from most other countries?
How Does The Free Roadside Assistance Work for USA Policies?
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What should I do at the rental desk in the US?
What should I do at the rental desk if I am traveling abroad with Collision Damage Coverage (for US Residents)?

Country: Worldwide

What should I do at the rental desk: Introduction

Damage Waivers (CDW, LDW, Super CDW, Super LDW)

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