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

woodentom · 11 August 2019 at 2:50PM

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 · 11 August 2019 at 4:15PM

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 · 11 August 2019 at 6:28PM

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 · 13 August 2019 at 8:14AM

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

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

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