My husband and I are renting a car from MACK car rental for nine days in Croatia and Slovenia. The rental includes a 2500 euro deductibale CDW, and the required EU liability coverage. My question is how to cover the deductible.
I have a Southwest Airlines Chase business card that offers free car rental insurance, but the caveat is that I have to decline the CDW completely at the counter. The MACK rep told me that many US citizens do this, but it nonetheless makes me nervous. Another alternative is the Premium Amex Coverage, which is offered for $18 to $49, depending on your state of residence. I am having trouble getting a straight answer from Amex if it's required to decline the CDW to get that policy. I already bought trip insurance that does not include car rental, and it is too late to get a refund on that policy. Allianz and a few other carriers offer car rental only policies, but you always have to decline the CDW at the counter.
So my question to you is: Given that I want full coverage, and do not want to decline the CDW at the counter, what should I do?
Thank you