Many travellers rely on credit card “rental car insurance,” but the fine print can be confusing. This guide compares credit card coverage with Hola Car Rentals’ built‑in protections so you can decide what fits your trip—whether you’re cruising from Miami Airport car rental (MIA) or planning theme‑park days near Orlando Airport car rental (MCO).
Credit Card Coverage: Pros
- Often included at no extra cost with eligible cards.
- Primary or secondary CDW in some countries or premium tiers.
- Useful for short trips with simple itineraries.
Credit Card Coverage: Cons
- Usually excludes liability to others (you still need SLI/TPL).
- May exclude certain vehicle types, countries, or rental lengths.
- Claims can be slower and require paperwork and a paid deposit.
Rental Protection with Hola Car Rentals
- All‑Inclusive+ Rate with CDW, Theft Protection and strong liability limits.
- Maximum liability coverage ($300,000 on selected itineraries).
- No additional fees and clear terms before pick‑up.
How to Decide
Ask your card issuer for a written benefits guide and confirm whether coverage is primary or secondary in the U.S. Check vehicle exclusions (trucks, premium SUVs), trip length caps (often 15–31 days) and claim procedures. If your itinerary includes long drives from Los Angeles Airport car rental (LAX) or desert loops out of Las Vegas Airport car rental (LAS), bundled protection can be the simpler, safer choice. Short weekend in Texas from Austin Airport car rental (AUS)? A qualifying card may be enough—just verify the details.
Real‑World Scenarios
Minor parking scrape: CDW typically covers damage to the hire car, subject to excess terms in your confirmation. Windshield chip: glass coverage varies; check your rate details before leaving the lot. Someone bumps into you: get the other driver’s details, take photos and call roadside support.
How to Read Your Confirmation
- Verify what’s included (CDW, Theft Protection, third‑party liability) and the excess, if any.
- Confirm the security hold amount and acceptable payment methods.
- Note assistance phone numbers and the exact pick‑up location.
Exclusions to Watch
- Unpaved roads, racing or negligent use.
- Personal belongings (use travel insurance).
- Unauthorized drivers or late returns outside the grace period.
Arrival Checklist
- Take time‑stamped photos of all panels and the windscreen before you leave.
- Report any pre‑existing marks at the desk; get them noted on the contract.
- Save your fuel and mileage photos when you return the vehicle.
Whether you collect at Miami Airport car rental (MIA) or continue your journey via Orlando Airport car rental (MCO), Hola Car Rentals keeps pricing transparent and support one tap away.
FAQs
- Do I still need my credit card at pick‑up? Yes, most locations require a physical credit card in the main driver’s name for the security hold.
- Can I combine card coverage with All‑Inclusive+? You can, but it’s rarely necessary—All‑Inclusive+ already covers the big risks.
- What about personal belongings? Items inside the car are typically excluded; use your travel insurance for those.
Prefer the easy route? Book with Hola Car Rentals and get transparent coverage that fits your itinerary and budget.
