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What is "Super CDW" -- and why is it on Rick Murai's credit card bill after he rents a car from Alamo in Madrid? The car rental company's website is less than clear about the fee, and Murai's credit card company refuses to get involved. Is he stuck with the bill?

Q: I'm trying to get a refund for my car rental insurance and I could use a hand. My wife rented a car online through Alamo for pickup in Madrid. The agreement clearly stated that the daily charges, taxes, and collision damage waiver, were included.

We returned the vehicle without a problem. But weeks later I discovered that we had been charged and extra $300 for something called a "Super Collision Damage Waiver." We had never requested this Super CDW coverage and it wasn't reflected in the original rental agreement.

In fact, I didn't think insurance of any kind was necessary, since my credit card offers coverage. After a lengthy argument to try to remove the regular CDW feature, the Madrid counter staff insisted that I retain it. And they never said I would be charged for another policy, which, strangely, was submitted as a separate unsigned credit card slip.

I've contested this bogus Super CDW charge with my credit card company, but it won't help because they state that they don't dispute foreign transactions. I think that travelers should be made aware of hidden charges, especially when fraudulently imposed because of language barriers. But more to the point, am I stuck with this extra insurance charge? -- Richard Murai, Penn Valley, Calif.

A: You're not stuck with it. Unless someone from Alamo can explain these Super CDW fees, and unless you agreed to buy it, it needs to be removed from your bill. Right away.

I went through the reservation process for an Alamo car in Madrid through its website, hoping to learn more about your mystery charge. When you book a car, collision damage waiver insurance and theft protection are included in the total price. But "Super CDW" is listed as an optional "additional" item. In order to buy it, you would have to check a box.

You wouldn't know what "Super CDW" is by reading the site. Access the hotlink to the 11.50-euro per day option, and it takes you to a page about child booster seats. Its comprehensive page on insurance products is unhelpful, too.

When you have a question about insurance, don't allow language barriers to stand in the way of getting a clear answer. Ask an agent to explain it or remove it, and if that's not possible, call a manager. That's particularly important when you're overseas, and a credit card company can't or won't get involved in a dispute. Once you sign that bill, you're finished.

Well, almost.

I contacted Alamo on your behalf, and it turns out that your bill was more messed up than you thought. After the company reviewed your case, it found that your original reservation was for 11 days, but that you had returned it a day early. The original 384-euro rate included insurance and taxes, but for some reason, the insurance charges were removed at the time of the rental. "The location should have honored the original rental agreement," says Diane Wilson, a company spokeswoman.

Alamo has issued a refund of $198 for the extra insurance and the unused day.

Christopher Elliott is the ombudsman for National Geographic Traveler magazine and the host of "What You Get For The Money: Vacations" on the Fine Living Network. E-mail him at celliott@ngs.org.

(c) 2008 Christopher Elliott Distributed by Tribune Media Services, Inc.

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