The most asked question we get about traveling to Costa Rica besides itinerary help is car rental insurance because we have an exclusive discount with Adobe Rent a Car. One of the reasons why we chose to work with Adobe is how they operate regarding car rental insurance: they make it easy. You can read about our experience with Adobe Rent a Car and why their easy to understand insurance options were one of the reasons why we had such an excellent experience.
Now for those who are completely new at renting cars in Costa Rica, the insurance is the most confusing part because it works differently than Europe, Canada, US, etc. In this post, I’m going to break down how Adobe Rent a Car insurance works so you can better understand exactly what you’re paying for. You can read this post to see how several car rental companies’ insurance policy works and how they compare.
We visited the Adobe office to talk to one of their insurance experts to understand exactly how their insurance works in detail.
Adobe Rent a Car Insurance
Adobe has only two car rental insurance options which is very few compared to other companies like Enterprise and Economy. Adobe’s two car rental insurance options are simple for clients and there are absolutely NO hidden fees anywhere.
There is no “If you get insurance option 1, you pay for B, D, E, G and half of A and C. But if you pay the 4th insurance option, you don’t pay for B but you pay for A, C and a little bit of D with the option of 5 and 6” yadda yadda yadda. It’s simply option 1 or 2: LDW (loss damage waiver) or SPP (super protection plan) which I’ll talk about.
Liability Protection (PLI)
The Liability Protection is what most car rental companies call their mandatory insurance. The actual mandatory insurance in Costa Rica is called Marchamo which is more like a yearly property tax and covers a small portion of 3rd party damages. The insurance is called Responsibilidad Civil.
Car rental insurance companies create their own basic insurance to include the Marchamo since they can’t use just that insurance (slow and doesn’t cover very much) and they all use different names. For Adobe, this is called the Liability Protection..
What it covers:
- Coverage up to $20,000 in 3rd party damages with a 20% deductible. It also has a coverage of 3rd parties not in the car (i.e pedestrian) up to $100,000 with 0 deductible.
- Liability Protection does not cover vehicle damage.
This insurance costs from $13-25 a day depending on the vehicle and requires a $1000 deposit.
Car Protection (LDW)
This insurance covers damages of the rented car in an accident, collision or roll over. In case of total or partial theft of the rented car, the Car Protection also covers any financial losses due to the theft.
You may decline this insurance with credit card insurance if you present a letter from your credit card company stating that the credit card will cover the damages.
Important: Car Protection does NOT cover vandalism, road side assistance or towing. The deductible is $1000 and does NOT cover any 3rd party damages.
Extended Protection (Total Protection)
The third option, the extended protection is 100% optional. The Adobe representative will ask you once if you wish to get Extended Protection but you are completely free to decline it and they won’t push it.
The Extended Protection Insurance covers:
- The 20% deductible of the Liability Protection so your deductible is 0.
- Covers vandalism, windows, tires, road assistance 24/7 and tow truck.
- 100% of damages including 3rd party up to $5 million.
The SPP costs around $17 a day extra and still has a $1000 deposit.
Situations Where Insurance Does Not Cover the Rental
- Driving under the influence of drugs and/or alcohol
- Failure to report a car accident that you are involved in
- Damages to the car in situations when the driver is not authorized
- Damages due to driving through rivers, on beaches, through lakes, mangroves and flooded roads. Anywhere that an official road does not exist.
- Failure to comply with the legal procedure with the insurance company. This includes failure to report the accident to transit police, failure to report the accident and filling out the insurance claim and non-compliance with other legal process requirements.
Is Credit Card Insurance Accepted?
The big question we always get is if Adobe accepts credit card insurance. For clients, it’s easy to think “Why should I pay Costa Rican car rental insurance if my credit card offers it already?”
So if you’re wondering if you can use your credit card insurance, the answer is yes. You can use it to decline the Car Protection Insurance with Adobe Rent a Car. You must bring a letter from the credit card company in order to decline it and you can only use it to reject the Car Protection Insurance.
Why Rent With Adobe Rent a Car?
Insurance Broken Down Easy
Like I mentioned earlier, Adobe Rent a Car breaks down their insurances very easily. There are just 3: one you can decline, one is optional and one is mandatory. Some other car rental companies (usually the big international companies) can have 5, 6, 7 different insurances and it’s really difficult to understand exactly what each one covers. And they make their website confusing so it seems like the car rental is cheap and slyly add the insurance later when you’re in their office, tired after a long flight. Which brings me to my next point.
Since Adobe Rent a Car is a Costa Rican company, they don’t want their clients to have a bad experience with car hires (which unfortunately has a bad reputation in Costa Rica due to the insurances and “hidden fees” by international companies). They do not add on any last minute taxes, fees or insurances. Those 3 insurances are exactly what they offer and they don’t add on any more when you’re in their office, ready to pick up the car. What you see on your reservation is what you pay and it’s just 3 insurances, nothing more.
Peace of mind
As I said, Adobe Rent a Car is a 100% Costa Rican company meaning they know the Costa Rican laws inside and out. They know the roads in Costa Rica and they know that not all roads are in good shape. They know that many foreigners are not used to driving on gravel roads or needing a 4×4.
By renting with a Costa Rican company, you have more peace of mind that their agents can help you answer any question you have about insurance or anything else with the car rental (you can even ask them about road conditions and what kind of car you should get) and that they will give their best service as they want every visitor to have a great time in Costa Rica.
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I hope this posts clears up any questions you have any Adobe Rent a Car insurance including the credit card insurance. Don’t forget we have an exclusive offer with Adobe Rent a Car to give all Mytanfeet readers a 10-25% discount, 2 free drivers, cell phone and baby and booster seats as well as 33% off GPS. Get the discount here.
If you need more information about renting a car in Costa Rica, these posts has all you need to know.
We want to thank Adobe Rent a Car for taking the time to explain to us in detail about car rental insurance!