The counter CDW is the most expensive way to cover your rental. In almost every situation, third-party coverage does more for significantly less.
On a 5-day rental, that's the difference between $150–175 at the counter and $40–60 with a third-party provider. The counter makes significant margin on CDW — it's one of their highest-margin products.
The counter CDW is often more expensive and less comprehensive. Common exclusions:
With counter CDW, you don't pay out of pocket for covered damage — the rental company handles it directly. With third-party coverage, you typically pay first and file for reimbursement, which is processed in 2–5 days. That's the main practical trade-off: slightly more paperwork for significantly less cost.
Neither the counter CDW nor third-party providers like Bonzah or RentalCover cover liability— damage to other people's property or medical costs. For that, you need your personal auto insurance policy (which typically extends to rentals) or a supplemental liability product from the rental company.
Counter CDW is rarely worth it. For $7–12/day you get the same or better coverage from Bonzah or RentalCover — and you can buy it before you ever reach the counter.