Third-party rental insurance (Bonzah, RentalCover, Allianz) vs CONRAC counter?
Verified: 2026-06-08
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
Waiver math, claim prep & dashcam/disclosure — not duplicate shuttle tables
Coverage planning guide
Shuttle & pickup
Terminal Islands 1 & 16 → CONRAC (3150 S 160th St, SeaTac, WA 98188)
| Band | Wait | Note |
|---|---|---|
| Off-peak | 5–8 min | Weekday daytime |
| Peak | 10–15 min | Rush hours |
| Friday PM | 12–18 min | ~6 PM band |
Out-the-door fees
| Kayak base rate | ~$57/day |
| Facility charge (CFC) | $7/day |
| Concession recovery (ACRF) | 11.1% (~$6/day) |
| Est. out-the-door | ~$70/day |
What to expect on your trip
- CONRAC agencies may equip select vehicles with dashcam or GPS telematics — exterior walk-around photos before leaving the garage protect you if prior damage is disputed.
- Prior collision or damage history on your driving record does not automatically void CDW/LDW, but counters may raise deposit holds ($200–$750) or restrict exotic/SUV classes.
- 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.
Similar cars to consider
- Compare total: 5-day Bonzah ~$55 vs counter LDW $125 — savings erode if you need primary Amex Premium anyway (~$25/rental flat).
Honest heads-up
Know this
Kayak averages hide CFC (~$7/day) and ACRF (11.1%) stacked on base rates. Compare all-in daily cost, not headline $/day.
Know this
Deposit holds are often confused with charges. At CONRAC, holds typically release 5–14 business days after return depending on bank batching.
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