4. Third Party Liability Insurance is included in your rental rate. We also provide the following products that waive some or all of your liability to us for damage to the rental vehicle: Loss Damage Waiver (LDW) and Theft Protection (TP) are optional products* that reduce your financial responsibility to us for damage to or loss of your vehicle to an excess of between EUR 850 and EUR 1800 depending on the size of the vehicle. *Note: Customers with credit cards must take LDW and TP unless at the start of the rental they provide (i) US issued Gold/Platinum MasterCard or Canadian issued Gold/Platinum Visa card and (ii) written proof issued by the credit card’s insurance company that the card has full coverage for Germany or worldwide at time of rental and they are renting a vehicle with fewer than 9 seats for less than 28 days. You may also take Super Damage Waiver (SDW), which is optional and eliminates your responsibility for the excess otherwise applicable for LDW and TP. If you buy a third party’s insurance product, such as excess waiver insurance, you will remain responsible to us for damage to the vehicle subject to any waiver products you have taken. This is because your insurance product only applies between you and your insurer (i.e. to protect you for damage charges you owe to us). It does not cover us for any damage costs we incur as a result of your rental, which we can only recover from you (and not your insurance company). For this reason, we will reserve credit on your card at the start of the rental to the amount of the applicable excess unless you have taken SDW.