Sorry to be pedantic but your choice of words is a bit misleading. We've discussed this topic repeatedly in this forum previously, but there appears to be several new folks in this thread so I'll cover the highlights again.
If you choose to use the
Amex Premium Rental Car Protection insurance (the only Amex insurance applicable to rental trucks on Bonaire) you should consider the following:
- Insurance isn't automatically included with the card. You need to have a qualifying Amex card, enroll in the optional insurance program, and pay a $25 fee for every rental period up to 42 days maximum.
- The insurance does not cover the rental vehicle, but rather will reimburse you (not the rental company) for qualifying claims for damage or loss of the vehicle. This means you'll have to pay the rental company directly for total damages or vehicle loss while you're on the island, and then seek reimbursement from Amex later.
- Most rental companies want to be sure that they will be reimbursed immediately, and not have to engage in extended haggling etc. over payment of damages, so they require renters to purchase their CDW policy that pays claims directly to the rental company.
- Few rental companies on the island accept American Express cards, and fewer yet permit waiving their CDW policies. Last time I checked Telerin and Avis were the only companies that allowed both, but there may be one or two more.
I'm not suggesting that you shouldn't use this coverage. I think it's actually a great value and I've used it several times myself. But anyone considering using it should be aware that they're still personally responsible for paying the rental company directly and immediately for any damage or loss of the vehicle.