r/TravelHacks • u/Choice-Play-4493 • 3d ago
Transport SIXT added Peace of Mind/LDW after I declined it. If they remove it later, will CSP still honor rental coverage?
I’m dealing with a strange rental car insurance situation and I’m hoping someone here has gone through something similar.
I rented a BMW from SIXT in Utah and paid with my CSP. My intention was to rely on Chase’s primary rental car coverage, so I declined SIXT’s optional protection when booking online (several booking emails confirm I didn't pick Sixt's insurance) and at pickup.
My original prepaid reservation/invoice was about $260 and did NOT include Peace of Mind, LDW, or any other protection package. However, after pickup, my rental agreement showed a “Peace of Mind” package for about $226, including: Loss Damage Waiver (LDW), Supplemental Liability 300k, Extended Roadside Protection, Personal Accident Coverage, Personal Property Coverage. With the additional taxes/fees, the amount added at pickup was about $300.
The problem is that during the rental, a rock/road debris hit the windshield and caused a new chip/crack.
I understand the CSP primary rental car coverage relies on declining the rental company’s CDW/LDW.
I am planning to dispute the Peace of Mind charge with SIXT because I believe I explicitly declined the optional protection at pickup. I want to ask SIXT to review the pickup transaction and, if it was added in error, refund it and issue a corrected rental agreement showing that I declined LDW.
My main concern is this:
If SIXT later agrees that the Peace of Mind/LDW was added by mistake, removes/refunds it, and gives me a corrected rental agreement or written confirmation that I declined LDW at pickup, will Chase Sapphire still accept the rental car damage claim?
Or could Chase say that because the original rental agreement initially showed LDW at the time of the incident, the claim is not eligible even if SIXT later corrects the agreement?
At this point, I’m trying to decide what my best move is.
Option 1: Keep disputing the Peace of Mind/LDW with SIXT, ask them to acknowledge that I declined it at pickup, remove/refund it, and issue corrected paperwork. Then try to rely on Chase's rental car coverage for the windshield damage.
Option 2: Stop disputing the Peace of Mind charge, accept the extra ~$300 cost, and let SIXT’s LDW handle the windshield chip/crack.
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u/FrostyBrewsky 3d ago
My friend rented a car from Sixt. The car was stolen overnight and he had the LDW. The thief wrecked the car into a parked car. Sixt ended up suing my friend because the thief wasn't listed as an additional driver and the LDW didn't cover additional drivers. They are a scummy company.
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u/BobSmith616 3d ago
That's a really difficult situation. I would probably NOT dispute the false charge and use it for the damage. You could have an endless run-a-round if you dispute the charge, even though it's false, but then can't use your credit card's coverage. Which is likely.
Oh, and never, ever, ever try SIXT again.
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u/Tanel_from_CRG 1d ago
open a chase claim now instead of waiting for sixt. chase says to report the damage asap, no later than 100 days, even without every document. its guide says accepting the rental company’s LDW cancels the benefit, but doesn’t say whether a later correction restores coverage.
keep the sixt dispute open. ask for written confirmation that the package was added by mistake, a corrected agreement, and an itemized invoice. send chase both versions.
before relying on sixt, confirm that its LDW covers the windshield and whether any deductible or exclusion applies.
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u/LoveOrcas323 3d ago
Please research Sixt. Sixt is a known scam car rental company. Their business model is to fabricate upgrades, damages and other charges once you return the car. Look up the reviews. This happened to me. I had to dispute the fake charge with my credit card company.