Rent from BBB and Save on Insurance and Waivers*

See our Charges & Fees Policies or Contact Us for additional information.

*Up to 50% savings is in comparison to local Rent-A-Car franchise’s posted website rates for 7-day rentals on like vehicles.

#1    Supplemental Additional Liability Insurance (SAI or SLI)

Additional liability insurance is the answer to the third-party liability coverage problem, and is available from all rental agencies. Price and coverage amounts vary. BBB’s (SAI/SLI): Insurance policy coverage coverage is $5,000,000.00 pesos total for property damage, injuries, and death; $400,000.00 pesos for occupants medical; plus $5,000,000.00 pesos for legal assistance.

Our Policy Coverage appears to exceed all competitors’ stated coverage. There is Proof of Insurance Policy Coverage information in every one of our rentals.

#2    Loss Damage Waiver (LDW)

This is also called “collision damage waiver” or CDW. This is actually not insurance, but rather the rental agency’s agreement to waive some of the cost of theft or any damage you inflict on the rental vehicle. Keep in mind:  You are responsible to the rental company for any loss or damage to the vehicle — no matter what the cause is or who is at fault. Collision damage waivers usually carry a deductible equal to 10 to 20 percent of the vehicle’s value. Depending on what you rent, this could be a significant amount of money.

There is also a “loss of use” clause that allows rental agencies to add an estimated amount of their loss of business because the vehicle is not available to rent while it is being repaired. Not all credit card coverage will pay for this type of claimed loss. You will be detained until money matters are settled. Before you decline LDW or CDW verify that your auto policy or credit card covers you for a car rental in Mexico, and that it includes this “loss of use” charge.

This one requires some research and some careful thought: If your own auto policy or credit card insurance benefits cover collision damage to a Mexican rental vehicle, you can pass on the collision damage waiver. Most other rental franchises will fight you on this and insist that you buy their coverage. If you insist on not buying it, they will then insist on you executing a separate credit card voucher for their deductible amount that they will hold and execute if there is any damage to their vehicle. This voucher can can sometimes be up to $5,000.00 or more and does freeze that amount of money on that card’s account.

Do yourself a favor and read the exclusions carefully — in fact, read them twice. The small print can deny coverage when you least expect it. For example, clauses excluding damage to cars driven off-road have been used to deny a claim for a car damaged in a dirt parking lot.

BBB’s LDW waives all charges for any damage to our rental car after our deductible.

#3    Zero Deductible Waiver (ZDW)

This waiver, sold by other rental agencies, eliminates you having to pay any deductible in the event of damage to the rental vehicle. As an example, if the rental agencies deductible is $5,000.00 (ours is $1,000.00) then you will have to pay for damages, up to the deductible to the rental agency before leaving the country. You then can file a claim with your insurance company to be reimbursed for the difference between what you had to pay and your stated deductible on your policy or credit card coverage.

ZDW is not sold by us. What we offer is a rental contract that has no deductible for a modest charge. In the event of loss or damage we will assist you in obtaining a claim number, you then assign the claim to BBB and we will file the claim for any loss directly with your insurance company or your credit card insurer. This option eliminates you having to pay us, and then file for, and wait for a refund for the loss or damage.