If you rely on your credit card rental car insurance benefit (pretty much replaces the LDW/CDW coverage offered at hefty prices by the rental companies) you should be aware of the details. I haven't checked in a long time, so I just talked with the rep. and reviewed the details online.
We have a Chase Freedom VISA card. The coverage is good in Honduras... but I'd never notices the exceptions for certain vehicles. Motorbikes and Scooters - no surprise those are excluded. Exotics? - probably wouldn't apply to Roatan. Antique cars - might apply if I rented one of the taxis we've ridden in, but not a rental car.
But here's the kicker - trucks are excluded. My reading is that if you rent one of the popular 2- or 4-wheel pickups, your credit card coverage would not apply.
Could be an expensive surprise for some folks!