Not trying to pick nits but my info and previous experience with both Buddy Dive and Telerin is quite different than what you've been describing. That's why I asked my previous question.
Unless something has changed recently CDW coverage isn't mandatory at Buddy Dive. Last I knew there were three options:
Option 1: No CDW coverage and you're 100% responsible for theft or damage to the truck.
Option 2: CDW coverage with $350 deductible for collision or theft.
Option 3: "Full Insurance" with $100 deductible for collision and $0 deductible for theft.
On the rental contract you have to pick an option, sign for it, and provide a credit card number to cover your choice.
Supporting documentation for the above is available on the web in their
Know Before You Go publication, and in their
rental contract.
Telerin is also very clear about renter liability and insurance options on their rental contract. (I've rented from Telerin many times and I'm looking at my contract from last month as I type this. I've also had previous discussions with Poppy about it.)
- The renter is responsible for all loss and/or damage to the rented vehicle.
- That liability can be reduced to a $500 deductible by purchasing the CDW policy.
- The CDW policy covers collision and damage, but not theft, vandalism, or damage due to driving off-road.
- Any cost accrued by the renter according to the above will be charged to the same renter's credit card that secured the reservation.
- Poppy doesn't care if renters use the Amex Premium Rental Protection because she doesn't collect damages from Amex. She collects them from renters (as explained above) and the renters have to submit a claim for reimbursement from Amex later. I.e It's not her problem to settle claims incurred by her renters.
I didn't, and still don't, see how Buddy Dive's approach to rental insurance is significantly different than Telerin's. Either you take personal financial responsibility for the rental truck or you pay for 3rd-party insurance. All you have to do is pick one, sign your name to it, provide payment info, and go diving. I don't see where the shakedown is happening.
Thanks for the civil discussion. I'm not trying to argue. I'm just seeing different info and having different experiences than what you're reporting.