Originally posted by nige
if anyone can beat the price by paying it in Florida cheaper for the same package, I will buy them a free holiday.
You seem to be unaware of another option - buying cover from other companies, at a cheaper price tha the tour operators, here in the UK.
I agree whole-heartedly that it would be madness not to top up the basic insurance which comes with your hire car. I am NOT advocating that at all. I am simply saying that there are cheaper ways of buying the same level of cover than the rip-off prices that most tour operators charge. Here's my example, from the last holiday I took to Orlando (August 2002).
We booked a Virgin Flydrive through Worldwide Travel/the Virgin Travel Store. The difference in price between a flight only and a flydrive deal (economy grade car) was £10 per person. As there was two of us the effective cost of car hire (before insurance) was £20 (economy grade car, for 14 nights). If I had taken the Virgin insurance it would have cost me £22 per day (totalling £308). But I'm not prepared to pay rip-off prices, so instead I bought American Express Premium annual
travel insurance. This INCLUDES cdw, sli, personal accident, etc, etc. It is the best mainstream travel insurance policy that I have come across (I like to be well covered!). This policy (at £280 for a family) is about £140 more expensive than other insurance products in the same bracket, but includes insurance for car hire. Therefore I can politely decline Virgin's rip-off policies safe in the knowledge that my cover is at least as good as that provided by Virgin.
If you decline the inclusive policies offered by your tour operator you still have to pay local taxes and surcharges at the airport. These come to about $30 per week. So the cost of my car hire was £20 (increase in price above flight only) plus £140 (increase above other travel insurance policies) plus $60 (for local taxes). That works out at approximately £100 per week!
But there's more. My Amex travel insurance is an annual policy, and I'd already used the car hire part of it to cover our Orlando holiday in August 2001. So that extra £140 or so that I paid for an amazing well specified insurance policy covered me not for 14 days of car, but 28. This brings down the daily cost of car hire even further than the price I gave you in the preceeding paragraph.
Just for the record I'll restate my position. You MUST have top-up insurance if you hire a car in the States. You SHOULD make your insurance arrangements before you travel. You SHOULD NOT automatically buy your tour operators car insurance as it is likely to be wildly expensive. And finally, DO NOT listen to travel agents who urge you to buy the inclusive policies without at least comparing prices of the alternatives.
Sorry if this comes across as a bit harsh Nigel, but all travel agents and tour operators I've dealt with have tried to persuade my that inclusive policies are the only way to cover yourself for car hire in the USA. This is nonsense, and as regular readers of this board will know, I try to highlight the alternatives as often as I can. If you want more details of the Amex policy, or similar offered by Natwest, please feel free to ask.
Regards
Rob