What kind of insurance do I need on a rental car in the Caribbean?

I am traveling to St. Maarten in a week and need to rent a car. I have insurance with a 500 dollar deductable. Would anyone recommend additional rental insurance? What kind of insurance and would this insurance cover everything with no deductible. Basically, I have heard that cars are constantly being broken into there and I don’t want to pay 500 dollars to replace a broken window.

This entry was posted by admin on May 13, 2010 at 2:13 am, and is filed under Property Insurance. Follow any responses to this post through RSS 2.0.You can leave a response or trackback from your own site.

Comments (4)
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#1 written by pre102b 1 year ago

go to
http://www.unitycars.com/
ask for michael or joseph- and use a credit card that will cover any insurance you would want to buy- we have never used anything but the amex, visa and have never had a problem-
break in’s? don’t leave anything in the seats in view of the passers by- and clear the trunk- you would do the same if you were at home – right??? But please please see Michael or Joseph— they are the BEST

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#2 written by travelers 1 year ago

Usually your USA auto policy will cover you for rental cars to the same extend as your own car, however, coverage is usually limited to domestic rentals not for international rentals. Best bet is to call your auto insurance agent and find out for sure. If it’s not covered under your own policy than check to see if it’s covered by the credit card you’ll use to pay for the rental. Many credit cards will provide “rental car collision waiver” coverage. If it’s not covered under your credit card than check the travel insurance that you’ve purchased (if you have); a couple of travel insurance companies automatically include rental car coverage in their travel insurance plans. If you still haven’t found coverage you might want to call the rental car agency and see what they have to offer.

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#3 written by we/be/jammin 1 year ago

I’m not sure if you need it in st Maarten, but if you have credit cards check with them as they sometimes cover it. and as i have been to many Caribbean islands i know they drive a lot different than us, i was there last year, and St. Maarten did not seem to be that bad as far as people driving. if i was you i would just use there taxis unless you differently need a car, the taxis were not that much and its better for them to reck there car rather then the one your renting. that island is not that big this is why i say this, we found people to take us around the island for $20 for both us. it depends how much you will be traveling, but from my time on the island i don’t think you need one. any way have a great time.

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#4 written by robertc13 1 year ago

Any time you rent a car outside of the US, I always recommend extra insurance. Also some countries require you to purchase insurance. St. Maarten doesn’t require to purchase extra insurance if you have a $500 deductable, but they do have extra fees and taxes.

GEOGRAPHIC RESTRICTIONS-
* CARS ARE NOT ALLOWED OUTSIDE OF COUNTRY.

ADDITIONAL FEES-
TAXES-
TAX IS ADDITIONAL, NOT INCLUDED IN THE RATES AND IS
STATED SEPARATELY ON THE RENTAL AGREEMENT.
8.00 PERCENT TAX.

FEES-
IN ADDITION, THE RENTAL IS SUBJECT TO –
12.00 USD PER RENTAL AIRPORT FEE.

SURCHARGES-
YOUNG DRIVER SURCHARGE
FOR RENTERS AND ADDITIONAL DRIVERS UNDER THE AGE OF 25-
6.00 USD PER DAY PER DRIVER
60.00 USD PER DRIVER MAXIMUM CHARGE

COVERAGES-
INSURANCE-
PUBLIC LIABILITY INSURANCE 50,000 USD IS INCLUDED IN
THE RATES.

PAI-PERSONAL ACCIDENT INSURANCE-
5.00 USD PER DAY

PAI PROVIDES DEATH AND MEDICAL EXPENSE BENEFITS TO THE
RENTER AND ALL PASSENGERS IN THE AVIS CAR.
BENEFIT PROVIDES –
. 16,650 USD IN CASE OF DEATH
. UP TO 16,650 USD IN CASE OF PERMANENT DISABILITY
. 830 USD FOR MEDICAL EXPENSES

WAIVERS-
LDW-LOSS DAMAGE WAIVER-
LOCATIONS MAY NOT OFFER ALL VEHICLE GROUPS LISTED.
VEHICLES LISTED ARE FOR COVERAGE REFERENCE ONLY.
AMOUNT OF DEDUCTIBLE HELD AGAINST CREDIT CARD IS
DEPENDENT UPON ACCEPTANCE OR DENIAL OF OPTIONAL LDW.

. DEDUCTIBLE IF DEDUCTIBLE IF
CAR GROUP LDW COST LDW ACCEPTED LDW NOT ACCEPTED
——— ——– ———— —————-
ECMN ECMR 19.99 500.00 7,000.00
CCAR 19.99 500.00 8,000.00
ICAR 19.99 500.00 9,500.00
CJAR 19.99 500.00 13,000.00
FCAR 19.99 500.00 15,000.00
SJAR FJAR 19.99 1,000.00 21,000.00

* AMOUNTS LISTED ABOVE ARE IN U.S. DOLLARS *

SERVICES OFFERED-
ADDITIONAL SERVICES-
PREFERRED SERVICE-
NOT AVAILABLE AT THIS LOCATION

SPECIAL EQUIPMENT-
CST – CHILD SEAT/TODDLER-
TRAVEL PROFESSIONALS INPUT /SQ-CST
7.00 USD PER DAY
70.00 USD MAXIMUM CHARGE
24 HOUR ADVANCE RESERVATION RECOMMENDED

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What kind of insurance do I need on a rental car in the Caribbean?

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