I follow the in's and out's of renting a car in Europe a little closer than most so this is not the typical Car Rental post on this forum.
Making a book for a few weeks from now in Norway and noticed this on Auto Europe. com ; a site often mentioned by users here as a favorite (and a favorite of mine as well). This is a Europcar rental.
Unfortunately cannot cut and paste without messing up the format but.
For a week rental the cost is $177 for their inclusive rate with a deductible
Same car is $227 for their inclusive rate with a refundable deductible handled by Auto Europe.
(if you don't know what that means it means you get funds held for the same deductible as the $177 rate on your credit card by Europcar or whoever you are renting from and then if there is any damage to be taken from the hold, Auto Europe's insurance will kick in so you have zero responsibility and refund you the money. Almost as good as the normal zero deductible from the rental agency other than you need to come up with the Hold money/funds.
Anyway, not the point of this post.
The 3rd option is the basic rental absent any Collusion coverage, that rate is has a larger hold and is $319 !
This makes no sense that a rate without insurance costs more than one with ; but since my credit card policy will only kick in if I decline the optional insurances I have to pick this basic rate to use with my credit car insurance (Chase Visa). Normally the basic rate is less and on a booking I am making a week prior in Germany also with Auto Europe and Europcar that is the case ; the basic rate is the least expensive option as it should always be.
In a country like Italy it is impossible to decline collision insurance so your credit cards coverage will still kick in as long you don't buy anything optional, but in this example they are pricing out a basic option so you cannot say it was not offered.
Be careful, this is clearly aimed to discourage renters from using credit card coverage instead of buying from the rental agency but the first I have come across a pricing structure like this. I fear it may become the new norm.
Even though my credit card completely covers rentals in Norway or anywhere in Europe it is useless in above pricing example.
I am undecided what I will do, I may just go with another provider for the rental ; instead of Auto Europe.