Iceland Car hire and your credit card - charge for replacement car

woodentom

i was in Iceland recently and they have some unique rental rules due to their landscape.



the standard excess was about £2000 but i was told there is no cover for:-


1. rolling the vehicle
2. damage caused whilst driving through a river


there were a few others.



i asked what happens if i rolled the vehicle and the response was that they would claim the money off my credit card company. i said that it would only be to the limit of the card but i was told they would reclaim to the value of a new vehicle and i would have to deal with my credit card company.


this is only a hypothetical scenario as the car was fine but my question is can a rental company charge more than the limit on my credit card?


surely not but i am hoping someone on here can elaborate



thanks

eDicky

I'm not sure of the answer where such a large value is involved, but it would be an interesting question for those with the best knowledge if posed on the Credit Cards board.

EveryWhere

That is why you purchase a standalone policy with CDW included, not just excess. In this case; https://www.bettersafe.com/car-hire-excess-insurance

But you have to stick to the rules of the car hire company. So if in the car rental contract it states "no off-road", then you won't be covered for off roading in the standalone policy.

woodentom

i have a excess car hire policy and have had for many years.



i think my question is more relating to can the rental company actually obtain more than your credit card limit from your provider if you write a car off.



i will go onto the credit card section of the forum