Better than Visa Magic Code?

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Back to the subject of insurance coverage topic...

I looked at my credit card policy today. It says it will cover me for damage or theft as well as administrative and loss-of-use charges and towing.

In order to activate this benefit "you must decline the auto rental company's collision damage waiver (CDW/LDW) option". There is later a question:

"What happens if the auto rental company insists that I purchase the auto rental company's auto insurance or collision damage waiver? Call the Benefits Administrator at 1-800-xxx-xxxx for help."

Finally there is a statement "Any and all relevant provisions shall be void in any case of fraud, intentional concealment or misrepresentation of material fact by the cardholder."

Based on this I have cancelled both my reservations under the Visa code and the 67 code. Its just not worth taking the chance.
 
I have been reading the pages... and I booked using the 67 code... Now am I suppose to be a member of National or can I just rent the car as a normal person?


I am sorry... but I am a little confused:confused3
 
Being a former insurance agent for 12 yrs, I pulled out my policy last night and did some reading. First, AGENTS make mistakes when saying if things are covered or not. More often than they (we) would like to admit. They are NOT claims specialists. They sell coverage. They advise. They don't settle claims. VERY often, we would call the claims dept and ask a hypethical question. Of course, the answer we receive is only good if the accident ends up happening EXACTLY has we guessed it would happen. Also, no documents were reviewed to answer hypethical question.

I know better than to say "well my agent said I would be covered" ALL THE TIME EVERYWHERE. :scared:

Anyway, back to reading my policy. I'm not 100% convinced that my auto policy would step in WILLINGLY as secondary insurance after being denied by the PRIMARY insurance. The more insurance companies involved, the more they want the other (first) company to pay first. Makes sense, right? And the bigger the claim, the more stalling and passing the file will happen.

I also have same feeling that National agents don't know the insurance ramifications. Only that their system will allow you to rent the car.

I STILL can't decide what to do. This car will have HUNDREDS of miles put on it over 2 wks all over the state we are visiting. Its not sitting in a parking lot.

Problem is, every valid code I've tried comes up as $1000+ ($1200) to $7500 ($8000) to rent a midsize for 2 wks. THAT'S INSANE!

I'm looking at saving $1000 if using 67. I want the price the code gives. Just not their insurance. They are making this way too difficult. I'm tempted to start looking at another company. I've always used National. ALWAYS.
 
Being a former insurance agent for 12 yrs, I pulled out my policy last night and did some reading. First, AGENTS make mistakes when saying if things are covered or not. More often than they (we) would like to admit. They are NOT claims specialists. They sell coverage. They advise. They don't settle claims. VERY often, we would call the claims dept and ask a hypethical question. Of course, the answer we receive is only good if the accident ends up happening EXACTLY has we guessed it would happen. Also, no documents were reviewed to answer hypethical question.

I know better than to say "well my agent said I would be covered" ALL THE TIME EVERYWHERE. :scared:

Anyway, back to reading my policy. I'm not 100% convinced that my auto policy would step in WILLINGLY as secondary insurance after being denied by the PRIMARY insurance. The more insurance companies involved, the more they want the other (first) company to pay first. Makes sense, right? And the bigger the claim, the more stalling and passing the file will happen.

I also have same feeling that National agents don't know the insurance ramifications. Only that their system will allow you to rent the car.

I STILL can't decide what to do. This car will have HUNDREDS of miles put on it over 2 wks all over the state we are visiting. Its not sitting in a parking lot.

Problem is, every valid code I've tried comes up as $1000+ ($1200) to $7500 ($8000) to rent a midsize for 2 wks. THAT'S INSANE!

I'm looking at saving $1000 if using 67. I want the price the code gives. Just not their insurance. They are making this way too difficult. I'm tempted to start looking at another company. I've always used National. ALWAYS.


Hmmm.. hope you're not implying that's what I said my agent said..lol.

I am in complete agreement that YOU shouldn't use this code since you are so unsure about it. I'm fine about it. I don't see why I can't use a code a company has repeatedly said I can. Because National says I can use it doesn't make it so, you say?... lol. Of course you can say that for EVERY code then can't you. If you called about the visa code and they said you can use it... how do you know you can REALLY use it?
That's just plain silly really. If you call about the "57" code, they will tell you it's an agents code. Are they 'misinformed' about that too.

As for insurance agents making mistakes.. of course anyone can. You misquoted me about what my agent said trying to make your point I guess. I've personally had her as my agent for more than 15 years, and over the years of questions and claims, I've found her very knowledgeable. If she didn't know something, she was quick to pick up the phone to get an accurate answer.

Could she be wrong? Sure she could.. but so could you, even though "You know better" and I apparently don't :rolleyes:
I prefer to take the advice from someone I've known to be reliable for years.

I will go with National saying I can use the code, and my insurance agent concurring. I'm confident this code is valid for me to use.

For anyone who is not comfortable with it, they shouldn't use it. I'm not trying to convince anyone to use it. But I will be using it. I hope I won't need to use the car rental insurance, but if I do, I'm sure it would be fine since the code is a valid code.

This is getting pretty silly to be replying to now, especially with posters feeling the need to misquote and imply incompetence to make their point. Everyone ultimately makes their own choice based on the information gathered. They need to sort through it and do what makes sense to them.
 

I wasn't quoting you. I was sort of talking to myself. lol
Getting answers from National is a bit like getting answers from Disney. You get a different answer everyone once in a while. People were being told the Magic Visa code was fine to use, even when it said right on the advertisements that it was for people from outside of the US to use in the US. And now people are being questioned on it at the gate. Try making a ressie with it now. Its $8000 for me. So they caught on to the glitch in the system.

Until National gives the same answer to every single person who calls, you don't know who to believe at National. I wish everyone using it the best obviously. If this was my typical WDW vacation driving from airport to WDW & parking that sucker, I would use it too. Just can't make that decision yet for this different type of vacation. But that $1000 savings is SOOOO tempting isn't it? :laughing:

Another thing I wanted to mention is that every state has their own automobile policy. So perhaps ours differs from yours in PA which differs from someone else. EVERYONE NEEDS TO CHECK FOR THEMSELVES!
 
Keep in mind that contracts are a two way street...in fact for a contract to be legally a contract it must have an offer and an acceptance.

When you are handed that piece of paper to sign that is the car rental company's OFFER to you of a rental of that particular car for that particular rate under those particular terms. If you look at any rental contract you'll see that somewhere on it there are words to the effect that this written paper is the entire contract and no verbal promises were made (i.e. the agent didn't tell you something else that is not on the paper). If you sign it you have accepted it...and both you and they are now bound by the terms of the contract, including the price and insurance coverage that it says is or is not included.

When you signed, took the keys and drove away you ACCEPTED the contract as written. You accepted the condition of the vehicle (hence they have the little picture of a car for you and the agent to mark showing any dings or dents)...you accepted the mileage stated....you accepted the gas gauge level....you accepted how many days you would get for a certain rate....you accepted what the rate would be for turning the car in late (both hours and days rates)....you accepted, or decline, insurance. Remember that if you decline the insurance they make you initial in several different places that you read and are acknowledging that you've waived insurance. You may recall that these contracts are multiple pages....each of you gets a copy of the final contract with dings, gas and everything marked. That's so that both of you have a copy that is binding. If they tore off your copy before you marked the dings....you'd be in big trouble when you come back. In fact....if they hand you your copy and then make notations on theirs...insist that your copy be noted as well...or better yet, get a xerox copy of theirs so there is no question of it's exactness.

The time for them to agree to a price is when this contract is offered and accepted. Not later. If there are eligibility requirements (your age, your residency, discounts (AAA, AEX, employment or a million other possibilities) they need to establish them at that point. Not later after you return the car, or when something goes wrong.

Think of it this way....I book a car with a AAA discount....I arrive and no one asks to see whether I have a AAA card or not.....we complete the paperwork and I drive off. When I return the car, the agent can't suddenly say "Oh we forgot to check if you had a AAA card, may I see it please and if you can't show me, we're going to charge you extra".

Or, think of it this way....you book a car at an Internet rate...or a AAA rate...or any other rate, including this coupon code rate. You do the paperwork which shows that rate and drive off. You turn your car in at the express thing and run to catch your flight. You get your credit card bill the following week and realize that they charged you "rack rate" (or whatever the equivalent is in the car rental industry). Obviously you're going to fax them a copy of your contract and object to paying that higher rate. You'd win this one...if not from them, then your credit card company with a copy of the contract should resolve it for you....and if they don't (besides it being time to switch credit card companies, lol)....any court in the land will side with the WRITTEN contract. The burden of proof is on the car company to show what those extra charges are for....and believe me, something like "we decided he didn't qualify for that rate" is not going to go over.

The same goes in reverse.....you're in a hurry, you grab the contract and sign it without reading it....your hand outstretched for the keys. You take off and speed down the highway towards Disney, determined to make it with enough time to ride Soarin. That night your wife is cleaning out the carry on bag and finds your car rental contract....and sees that you were charged rack rate instead of the discount in your confirmation letter. The car rental company says "nope that's the rate you get"......sorry, but you're stuck. Yes, you have an email or computer printout showing the discount you booked....but you SIGNED that contract for a higher rate. Sorry Charlie....the only chance you have is finding a manager somewhere that is willing to admit a mistake was made......and I'd guess you have a 50/50 chance of that....customer relations and all that....but legally....no court would award you the lower rate.

Now....there was something in this thread about someone making up phony business cards that claimed you were a travel agent or something. If you were ASKED to show proof of your eligibility and you showed them a bogus document, then YOU HAVE COMMITTED FRAUD. And then, a court would roast you. If you are asked to show proof and honestly tell them that you don't have such proof, but you were told such and such....maybe they'll honor it and maybe they won't.....and so long as it's before they offer a contract and give you the keys to drive off (thus completing the contract)...they can change the rate. If you read their website I'm sure you'll find that in the terms it says that the confirmation is NOT a contract (ok, I've not looked at National's terms, but I'm one of those that do read the terms most of the times, and other places always say this, I can't recall ever renting from National, usually too high priced, lol). They won't guarantee you a particular car either......and they don't have to, because it's not yet a contract.

Many people, including myself, have called and asked if we were eligible for this rate...including telling them that we didn't work for a particular companY (in my case, I'm a Stay At Home Mom). I was told yes, I could use it. If I arrive and they then tell me I need proof of employment or something....well, all I have is the name of the guy who told me I was eligible (I do intend to try to get an email stating this if I decide to book it....my dates aren't firm enough yet for me to book). If I have an email I may have an argument.....but really, only if I get a manager who can see that it's a customer relations issue that he'd be wise to honor.

And to give you a hint into my personal way of doing things....I almost always have two rental car bookings.....until such time as they require credit card numbers I'll always do this. I had too many times in my working life days that I get there and the "similar" car they want to give me isn't what I want....I have a backup. Saved my bacon once when I booked a van and needed it to seat 8.....I had 8 people....they only had vans on the lot that seat 7, despite my paperwork from the computer showing 8! I walked over to choice number 2, and got my 8 seater. Whew...MIL didn't have to ride on the roof ala Chevy Chase movies.

If you've been on these boards for a while, you may recall a hotel was advertising room rates of something like 29 cents. Obviously that was an error...and a big one. But many people booked rooms at that tiny rate. To the hotel's credit they honored it....but they absolutely did not have to, as it was obviously an error, and although people had booked the room, the contract was not complete until it was paid for, which would have been at check in (even prepayment doesn't always constitute a contract...read the terms on the website, many say it's subject to review since computer glitches are common so is hacking and generally no human is looking at the computer bookings and payments before they got through). They very easily could have told people at check in, nope, sorry, that was an error, here's your room rate. It would have been a public relations nightmare of course, but it would have been perfectly legal. The Court would have agreed that a "reasonably prudent" person would have known that .29 was an error.

We've all probably seen and heard similiar stories of websites offering big screen Tvs for a buck....or ipods for 99 cents, etc....errors or hacking that are obviously wrong. Some stores bite the bullet and honor them for the customer relations...and some can't stay in business if they did so they fall back on the law that allows them to correct their error.

The rates we're being quoted are excellent, no doubt about it....but, as several people have pointed out, there are simliar deals just a few dollars more when you have a code and a VISA card, or maybe it was AEX.....but in other words, codes that are open to the vast majority of the population without question. Therefore, it would be nearly impossible for National to argue that these slightly lower rates were such that a "prudent person" would have known that they were in error. A .29 a day rate...yeah, but these rates are only a few dollars lower than other rates offered. A prudent person would simply think they got a great deal....not an unbelievable one.

Last point.....insurance. If your contract says that insurance is included, then that's it...it is included. Read the terms to see WHAT the insurance actually covers, if there are deductibles, limits, etc. But it's included. And if it says it's not included, then you better be sure you have coverage through your personal policy (and make sure your WRITTEN POLICY says it...not the agent as many have pointed out they're not always 100% correct, but the courts will go by the written contract/policy.) My personal policy says that I'm covered in any vehicle I drive so long as I have the owner's permission and so long as the vehicle is not being used for business purposes. It even specifically mentions "vehicles for hire".

Let's imagine again....you are doing a regular rental...you tell the agent you DO want to buy insurance.....again for whatever reason you don't look at the contract closely and you simply sign and initial where the agent points. Your car is damaged in the parking lot, or you have an accident...no problem, you think...I've got coverage. But....you finally look closely at your contract and see that they did NOT charge you for it...you initialed where it says "no coverage", etc. Good luck arguing that you had asked for insurance! Yet you certainly will feel like you were ripped off by the agent who made the error!

Again, you can't change the terms of the contract, neither can National. The time for either of you to object to the terms of the contract is before it's finalized (which is when you drive off their lot).


Ok...anyone still reading this long post? Look in your yellow pages under contract attorneys and call them....most give a free consultation. I'll bet you a Dole Whip that he'll tell you the same thing (only probably not so wordy, lol).
 
BUT...

I have been reading the pages... and I booked using the 67 code... Now am I suppose to be a member of National or can I just rent the car as a normal person?


I am sorry... but I am a little confused:confused3

someone please let me know...
 
/
BUT...

I have been reading the pages... and I booked using the 67 code... Now am I suppose to be a member of National or can I just rent the car as a normal person?


I am sorry... but I am a little confused:confused3

someone please let me know...

I really don't think it has anything to do with being a member or not, however you can get a free membership through the mousesavers website, if you want.
 
If this was my typical WDW vacation driving from airport to WDW & parking that sucker, I would use it too. Just can't make that decision yet for this different type of vacation. But that $1000 savings is SOOOO tempting isn't it? :laughing:
So, you are mostly worried about the validity of the insurance?
 
Anc96 and aribelle ---THANK YOU:goodvibes
 
Great answers and thanks for the time it must have taken to write that response, I really appreciated it Aribelle, again , thank you so much !!!!
 
www.nationalcar.com/offer/COELITE08

If you are already an Emerald Club Member, go through like you are signing up again. It'll ask you at the end if you have switched employers.....just make sure you check off "no" and continue.

Go back and modify your existing ressie to a full size car - will be the same price as the midsize and you'll see the level of service change to "executive".

Hope that helps! :cool1:
:confused: i went thru the process to upgrade membership, etc.

account now reflects Executive Aisle

however, when i go & try to change car selection to full size there is a large rate increase:confused3 i've tried this on the 2 existing ressies i have?

i thought i could just go to the Executive Aisle & grab a vehicle????

fyi, in order to receive the lower rate for ExA vehicle, i had to cancel the original-wouldn't allow selection of larger car even while signed in
 
Hi everyone!

I have two questions... (I joined the forum just because of the code 57, 67)

1. What is the difference between the different tiers of emerald service that national provides? -I think i just have the regular emerald club membership

2. on the flyer talk thread at least one person has reported a successful rental using the code (not sure if it was 57 or 67) and their receipt showed this

I used it for a week rental on a convertible out of MCO last month. I had no problems at the gate. It's interesting because when the rate is quoted, the LDW (and even supplemental insurance, tax, fees, etc) is listed as "included." This leads to some paranoia about the validity of the LDW (I was concerned too).

But, when the invoice was tallied at the end of the rental, the contract shows that the actual rental rate drops to a super cheap rate, and the LDW and all other included fees and taxes are itemized and charged but the total still equals the original quoted all-inclusive rate.

I guess my point is that the LDW is actually paid for, so it seems valid. At least that's the feeling I got when looking at the invoice.

I hope I'm making sense!?

Here is a copy of my invoice:

Quote:
Time & Distance 1 WEEK @ 313.76 313.76
Time & Distance 1 WEEK @ -313.76 -313.76
Time & Distance 1 WEEK @ 179.50 179.50
Unlimited Distance-time & Distance 0.00 DISTANCE @ 0.00 0.00
Loss Damage Waiver Full 30.00
Supplemental Liability Insurance 64.75
Concession Fee Recov Chrg 9.8 Pct (9.80%) 27.11
Florida Surcharge 2.00/day 10.00
Tire/battery Fee .02/day 0.10
License Recoupment Fee .46/day 2.30
Sales Tax (6.50%) 14.24
_____________
Total Estimate 328.00
When I reserved the car, the rate just said "$328.00/week" and no other amounts. Everything else was just listed as "included." I was charged a final total of $328.00 to my credit card. I'm not sure what those first charges/credits are for the $313.76 amount.

The rate may not sound super cheap, but for that week in comparo to other companies, it was a pretty decent rate on a brand new (13mi) Chrysler Sebring Convertible.

But look at the actual rate (only) I paid: $179.50/week. That's a steal!



To anybody who has been successful using the 57, 67 code, could you give me a more detailed description of your receipt? Does it show that the insurances are in fact not included but paid for but the bottom line stays the same due to a decrease in the rental fee?

Thanks!
 
Way to go, Aribelle!!:thumbsup2
mer0909: I remember seeing this as well, thanks for adding it to the discussion, should add some fuel to fire!! :rotfl:
 
Yeah, but I think it's selfish to do something that may ruin it for the rest of us just so you feel better. IMO, if you want peace of mind then book a back-up reservation. I have one, but it will cost me hundreds of dollars more if National reviews the code and invalidates it.

not to point a finger at any specific poster on this thread, yet starting to think u are right:sad2: :confused3
 
I might have missed it, but what exactly is this code. I keep seeing Travel Agent code, but to me, it looks like it's for a travel agency. Do we know for sure that it's for travel agents? Or is it a code tied to a specific travel agency to use, similar to a general Wal-Mart code, AAA code, etc. It almost looks like it's a code that National set up for this travel agency to use for their clients, not necessarily the agents.
 
Think of it this way....I book a car with a AAA discount....I arrive and no one asks to see whether I have a AAA card or not.....we complete the paperwork and I drive off. When I return the car, the agent can't suddenly say "Oh we forgot to check if you had a AAA card, may I see it please and if you can't show me, we're going to charge you extra".

aribelle, There are several areas of your post that I could quote, but I think this pretty much sums it up. If National does not ask for an ID associated with the 57 or 67 codes when you initially rent the car, the contract between you and them is finalized and binding. They cannot reneg on either the rate or the insurance because of thier failure to validate the code or your eligibility to use it.

The remaining question is whether your personal or CC insurance does or does not cover anything that is not covered by the National insurance. Everyone should check with thier individual insurance companies to verify where they stand.
 
:confused: i went thru the process to upgrade membership, etc.

account now reflects Executive Aisle

however, when i go & try to change car selection to full size there is a large rate increase:confused3 i've tried this on the 2 existing ressies i have?

i thought i could just go to the Executive Aisle & grab a vehicle????

fyi, in order to receive the lower rate for ExA vehicle, i had to cancel the original-wouldn't allow selection of larger car even while signed in

Maybe you have to wait for the change to take affect. Unlike the Emerald Aisle, you will see more contact with National. You will receive a new card that has an expiration date (unlike the regular EA). On the top of your reservation it will say selection: executive aisle. If it does not say that, then you may need to call. We have been executive aisle member 3+ years -- earning it the old fashion way each year by renting 40+ days a year from national. We receive a ton of email from National telling us how far we are from maintaining our executive status. They are very strict, and if you don't maintain your 40 days, you will lose your status at the beginning of the calendar year (Jan 31). We lost it one year because we rented from Alamo a couple of times and really missed the executive status. We always choose a full size car when making our reservation and the price is always the same as the intermediate car. This pretty much means that you are guaranteed a full size car at the minimum. I thought the free upgrade was for Continental card holders. It looked too complicated to do as we considered doing it for my daughter, but since she was not a member, we didn't want to chance it.
 
Being a former insurance agent for 12 yrs, I pulled out my policy last night and did some reading. First, AGENTS make mistakes when saying if things are covered or not. More often than they (we) would like to admit. They are NOT claims specialists. They sell coverage. They advise. They don't settle claims. VERY often, we would call the claims dept and ask a hypethical question. Of course, the answer we receive is only good if the accident ends up happening EXACTLY has we guessed it would happen. Also, no documents were reviewed to answer hypethical question.

I know better than to say "well my agent said I would be covered" ALL THE TIME EVERYWHERE. :scared:

Anyway, back to reading my policy. I'm not 100% convinced that my auto policy would step in WILLINGLY as secondary insurance after being denied by the PRIMARY insurance. The more insurance companies involved, the more they want the other (first) company to pay first. Makes sense, right? And the bigger the claim, the more stalling and passing the file will happen.

I also have same feeling that National agents don't know the insurance ramifications. Only that their system will allow you to rent the car.

I STILL can't decide what to do. This car will have HUNDREDS of miles put on it over 2 wks all over the state we are visiting. Its not sitting in a parking lot.

Problem is, every valid code I've tried comes up as $1000+ ($1200) to $7500 ($8000) to rent a midsize for 2 wks. THAT'S INSANE!

I'm looking at saving $1000 if using 67. I want the price the code gives. Just not their insurance. They are making this way too difficult. I'm tempted to start looking at another company. I've always used National. ALWAYS.


I know rates are high now, but what are your dates? $1200 is definitely insane!
 
I know rates are high now, but what are your dates? $1200 is definitely insane!
Sorry, I don't wish to post my dates online. Its not a FL vacation so don't try to compare it to MCO rates. I found something thru Avis late last night with a code I 100% qualify for in same price range as Magic & 67 codes. :thumbsup2

And yes, I agree. $1200 for 14 days mid-size is insane. National's rates really disappointed me this time. Even their last minute specials keep going up in price if you watch those. Just nuts.
 
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