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Why is it that MC / Visa exclude auto-rental liability that is found in most other countries? I ask because:

  1. If there is something 'special' about Jamaica, I'd like to know
  2. It's $30 a day to buy limited liability from the vendor

The cost of buying from the vendor almost doubles the price. What is 'driving' these outcomes? Any clever suggestions / lessons learned are appreciated.

closed as off-topic by David Richerby, JoErNanO Mar 10 '17 at 13:18

  • This question does not appear to be about traveling within the scope defined in the help center.
If this question can be reworded to fit the rules in the help center, please edit the question.

  • When an insurance company excludes something, or charges high prices, it is usually because they have a high rate of expensive claims. – DJClayworth Dec 3 '16 at 2:18
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    Seeing as how Visa excludes Jamaica, Israel and both Irelands, one might guess it is due to laws within those countries regarding providing 3rd party coverage, as there are plenty of countries in the world with far worse theft - accident rates than the four Visa excluded. – user13044 Dec 3 '16 at 2:30
  • Probably because of high rates of insurance fraud. – JonathanReez Dec 3 '16 at 19:00
  • @Tom: Chase Sapphire seem to offer CDW in all those countries. Mastercard World used to offer it too (maybe still does). So I doubt it is law-related. – George Y. Dec 10 '16 at 3:28
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    I'm voting to close this question as off-topic because we can only speculate why a company would behave as it does, and knowing the answer to the question doesn't affect any travel decisions the asker might make. – David Richerby Mar 10 '17 at 12:12
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According to the Mastercard Guide to Benefits:

In general, coverage applies worldwide, but there are exceptions:

  • Coverage is not available for vehicles rented in the following countries: Ireland, Israel, or Jamaica.

  • You may be unable to receive benefits in Australia, Italy, or New Zealand. Please contact your vehicle rental agency before you travel.

  • Coverage is not available where prohibited by law.

Therefore the likely answer is that Jamaica doesn't allow Mastercard to provide their insurance services there.

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