We’ve rented directly from Arnold Clark, but not through Celtic Legend. Hey, £8 is £8, so if you’re getting an Arnold Clark car anyway, go with the cheaper option, if everything else is the same.
As for Chase reimbursement, we’ve got a Chase British Airways VISA, not a Sapphire, but the car rental chance coverage with any Chase VISA is through a third party company, “Card Benefit Services,” whose general phone number for information is 1‑800‑253‑5664. You would want to reconfirm this with your Sapphire card, but in our case (and I believe with all Chase credit cards), to get any claim reimbursement through the VISA coverage, you have to refuse any insurance the rental company offers, and go just with the coverage provided through the card you’re using. If you had £2000 in damage, you couldn’t file for a £1000 excess clam and let the rental company cover the remaining £1000, you’d file for the entire £2000 and work with the rental company to obtain documentation to support the amount of damage.
We had a claim this past fall from a Norway rental, about $800 overall in scratches in the paint, possibly from hedges in front of a stone wall. We got a full reimbursement through the Card Benefit Services, after providing documentation, some of it e-mailed to us from Hertz Norway after we’d come home. Had we taken coverage through Hertz with some deductible or excess allowance, I understand that the Chase VISA would not have provided any coverage. In fact, we’d have been out the entire $800, as it would’ve been less than any $1000 (let alone £1000) excess.
