Collision Damage Waiver-Theft Protection with Deductible (CDW-TP) is not insurance. The purchase of CDW-TP is optional and not required in order to rent a vehicle. If you purchase CDW-TP, the rental company agrees, subject to the actions listed on the rental agreement that invalidate CDW-TP, to contractually waive your responsibility for the cost of damage to or loss of the vehicle after the deductible of up to $1,000.00 USD, depending on car class. If CDW-TP and CDW-TPD are both declined, the renter is responsible for the full cost of damage or the full value of the vehicle.
Please be aware that most auto insurance policies from outside Tortola do not provide coverage in Tortola. Employees of the local rental car company are not qualified to evaluate the adequacy of the customer's personal auto insurance coverage. The customer should contact their insurance company in advance of the pick-up date for the rental with any questions regarding their specific coverage.