网际旅游

去年圣诞节去Cancun的时候，定下的调调是自驾游，所以研究了一下墨西哥租车保险的情况。当时最便宜的租车deal是Thrift的，它的term上清清楚楚写明不接受信用卡或者第三方购买的CDW保险。

然而今天看到一博客说Cancun的Hertz并没有这种说法，而且事实上如果你用Visa卡的话，居住地境外的租车保险是primary的，而不是象北美租车的话信用卡只是secondary insurance.

下面转载自 Visa卡CDW (collision damage waiver ) 条例：

How does this benefit apply?

Within your country of residence, Visa Auto Rental CDW supplements, and applies excess of, any valid and collectible insurance or reimbursement from any source. It does not duplicate insurance provided by or purchased through the auto rental company; it will not pay for losses reimbursed by your own insurer, employer, employer’s insurance, or any other valid and collectible insurance; however, it will pay for the outstanding deductible portion or other charges, including valid administration and loss-of-use charges not covered by your applicable automobile insurance policy. Outside your country of residence or if you do not have automobile insurance, this benefit is primary in those countries where it is available, and in that case, you do not have to claim payment from any other source of insurance before receiving the benefits.

有些tricky, 但是或许能省一些在墨西哥租车的保费(当然，这里谈到的都是CDW, 而不是Liability Insurance -LI)。当然，希望永远用不到保险，因为取决于你访问墨西哥的地方，当地警察的态度恐怕大相径庭。我当时读了好多网上的故事，钱包里20美刀的“罚款”是准备充分的。当然，事实证明，Cancun那一带的旅游区还不错。