Collision Damage Waiver (CDW) in Ireland Explained

Ireland Car Rental Break Down Super CDW Insurance

Ireland Collision Damage Waiver (CDW) If the vehicle or any of its parts or accessories are damaged other than by theft, attempted theft or vandalism, while on rental, CDW limits you liability to the amount of the non-waivable excess, if any, which applies in each country provided that you have complied with all the terms of the Rental Agreement. CDW in Ireland does not cover any damage caused as a result of theft, attempted theft or vandalism.

If you choose to decline CDW while in Ireland, you will be responsible for the full replacement value of the car which means you're buying them a new car. This little bit of information, hidden in the fine print, has made me re-think my current coverage and purchase insurance every year I go back. I have a nice travel agent policy but the paperwork hassles and fear of missing my flight home are not worth the troubles for $10 per day.

Super CDW Reduces Your Deductible

Years ago you could purchase Super CDW in Ireland with a €0 deductible ... rip the mirror off the car, back into a stone wall and just do whatever you wanted. Simply return the car and hop on your flight. That was a problem and people were doing just that so they instituted a €100 manual/€150 automatic deductible to cut down on the recklessness.

Ireland Car Rental Insurance Prices

These rates were updated Oct 2013.

Car Type Basic CDW Deductible Super CDW Coverage Tire & Glass Coverage
Manual Cars €1200 Reduce to €100 for €15 per day €5 per day
Automatic Cars €1800 Reduce to €100 for €19 per day €5 per day
Vans & Luxury Cars €2200 Reduce to €100 for €22 per day €5 per day

But I Have Car Insurance!

Your car insurance here in the U.S. won't cover you while traveling abroad, with the exception of Canada and sometimes a portion of Mexico, therefore you must purchase insurance in Ireland to ensure you're covered. Remember Murphy's Law?

CDW is Non-Refunable in Ireland

This is a strange statement, right? Not if you have a rental car accident in Ireland where you must return the car and repurchase the CDW insurance.

If you purchased Super CDW and have to return the car, you cannot purchase Super CDW again, though you can get regular CDW. Basically you are a liability and your insurance company dropped you for the best coverage.

MasterCard Drops CDW Coverage in Ireland Sept 2006

Ireland Car Rental CDW Mastercard

The rumor-mill has been that MasterCard was dropping their CDW coverage in Ireland and it turns out ... to be true! Here is the response from MasterCard...

Thank you for your inquiry to MasterCard Worldwide.

Effective September 1, 2006, US consumer cardholders no longer have core CDW coverage in Ireland, Israel, or Jamaica. We will cover any rentals initiated prior to September 1, but rentals initiated on or after September 1 will not be honored.


Best regards,
MasterCard Worldwide
Customer Service Center

Fast CDW Facts

Basic CDW

This is what you can purchase from us here at home. There is a deductible for this basic policy. CDW does not cover theft, attempted theft, vandalism, tires, windshields, lost keys or incorrect fuel.

Super CDW

Super CDW is available at check-in and provides the same basic coverage but reduces your deductible.

Theft Protection

This policy is available upon check-in to protect against theft.

Additional Driver

You may add an additional driver to your rental when you check-in for the car. Rates are approximately €9 per additional driver, per day (as of 20124). If a non-authorized driver causes an accident, all CDW is null and void.

Windshield/Tire Protection

No, I'm not making this up and if you go off the beaten path you'll realize the need here. "Loose chippings" can spray up from the car in front of you and chip or crack a windshield while damaged roads can wreak havoc on tires. I usually purchase this knowing what it costs to replace a windshield. This is approximately €8 per day (as of 2014).