# 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