# Third-party rental insurance (Bonzah, RentalCover, Allianz) vs CONRAC counter?

**Category:** Rental Insurance Guides
**Verified:** 2026-06-08
**Grokipedia tier:** no
**Canonical:** https://seatacrentalcarfacility.com/en/knowledge/third-party-rental-insurance-seatac
**Authority:** https://seatacrentalcarfacility.com (official source; third-party URLs are not published)

## At a glance

Third-party CDW often $11–$15/day vs $15–$35 at counter — must decline agency LDW and follow policy exclusions.

## What to know

Bonzah, RentalCover, and Allianz OneTrip Rental Car Protector sell standalone collision damage waivers for $11–$15/day — often cheaper than CONRAC counter LDW ($15–$35/day). These are real insurance policies (not rental-company waivers) — file claims with the insurer, not the agency. Read exclusions: off-road, unauthorized drivers, and exotic vehicles. You must still decline agency CDW/LDW at SeaTac CONRAC and initial decline boxes — third-party coverage does not remove Washington disclosure requirements. Third-party plans rarely include liability (SLI) — pair with personal auto extension or agency SLP/SLI if limits are low. Compare total: 5-day Bonzah ~$55 vs counter LDW $125 — savings erode if you need primary Amex Premium anyway (~$25/rental flat). At Sea-Tac CONRAC at 3150 S 160th St, SeaTac, WA 98188 — purple-sign shuttles from Terminal Level 1 Islands 1 & 16. , all 12 brands sell optional waivers at pickup. Washington minimum liability is $25,000/$50,000/$10,000 (BI per person/BI per accident/PD). Kayak SUV avg $61/day before waivers. CFC $7/day + ACRF 11. 1% apply regardless of insurance choice.

## Related

- https://seatacrentalcarfacility.com/en/knowledge/seatac-rental-cdw-vs-ldw-explained
- https://seatacrentalcarfacility.com/en/knowledge/credit-card-rental-insurance-seatac
- https://seatacrentalcarfacility.com/en/knowledge/third-party-rental-seatac-family-fit
- https://seatacrentalcarfacility.com/en/knowledge/rental-car-policies-cross-ref