Note, the estimated return rate for these Amex cards is based on TPG’s latest valuations. What is the Amex Platinum car rental insurance policy? For rates and fees of the Amex Platinum Card, please click here. For rates and fees of the Hilton Aspire Card, please click here. Credit Cards; Business Credit Cards; Corporate Programs; Related reading: The Critical Points: Here’s how to avoid letting rental car companies take advantage of you. So, if coverage won’t be necessary for a subsequent car rental, be sure to terminate enrollment prior to the rental by calling 1-866-518-0259. • Up to $75,000 of Accidental Death and Dismemberment (AD&D) coverage. Most American Express cards — even those that don’t offer the secondary coverage described above — offer the opportunity to purchase primary coverage at a reasonable flat rate cost per rental. The Points Guy will not sell your email. You can enroll cards for which you are the primary cardholder online, but will need to call to enroll authorized user cards. ... About American Express; Investor Relations; Careers; Site Map; Contact Us; Products & Services Products & Services. • Up to $75,000 of primary damage and theft coverage for the rental car. Some credit cards offer insurance when you rent a car using your card that covers the rental car if you’re in an accident or if the rental car is stolen or damaged. Select the Card below to read the full Policy for Car Rental Loss & Damage Insurance related to that Card. If you have a credit card like the Chase Sapphire Reserve or Chase Sapphire Preferred Card that includes primary car rental insurance just by using the credit card for the rental, you’ll likely want to use that card. * AMEX ® Travel Insurance is optional group travel insurance underwritten by Royal & Sun Alliance Insurance Company of Canada. This is also a good option if you’re booking a longer rental or a type of vehicle that’s otherwise difficult to insure, like pick-up trucks, vans and sport utility vehicles. As secondary rental car insurance, American Express rental car insurance covers the loss of the rental car and damage to the rental car. However, some vehicles are excluded, including cargo vans, custom vans, vans with a seating capacity over eight passengers, cube vans, box trucks, any truck that has a gross vehicle weight rating of 10,000 pounds or more, antique cars, limousines, off-road vehicles, motorcycles, mopeds, recreational vehicles, motorized carts and campers. Please view our advertising policy page for more information. Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. 1 Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company and Tokio Marine Pacific Insurance Limited. I will surely go with them again as well. Although I’ve provided the details of the policy that comes with the Amex Platinum, remember that the included secondary car rental policies differ across American Express cards. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year. The Amex Platinum card offers many benefits, including car rental insurance and car rental privileges with Avis, Hertz, and National Car Rental. Please review. WELCOME OFFER: 75,000 Points Terms Apply. ($150,000 for California Residents). Rental car loss and damage insurance that comes with the Amex Platinum card is secondary, meaning it only covers what your primary insurance … New to The Points Guy? Car Rental Loss and Damage Insurance provides Authorized Driver(s) with insurance coverage for Damage to or Theft of most Rental Vehicles when the Card Member uses the Card to pay for the Entire Rental from any Rental Company. Related reading: Is credit card travel insurance sufficient on its own? Enjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world. The Platinum Card® from American Express (Staff Favorite) 2. Learn More. (Up to $15,000 per person, maximum of $25,000 for Florida Residents). To validate your coverage, please call the number on the back of your Card. This guide looks at this optional coverage and discusses when it makes sense to enroll. Amex coverage now includes more countries and more vehicle types. Editor’s note: This is a recurring post, regularly updated with new information. While your first choice should be using a card that offers primary rental car protection, if you don’t have one in your wallet then the American Express’ Premium Car Rental Protection policy can be a great choice for a reasonable fee. Sign up for our free daily mailing list and check out our Beginner’s Guide. Amex Platinum vs. Amex Gold: Which one is right for you? As with most credit cards, the car rental insurance Amex provides is similar to what you’d get with a CDW: You’re covered for damage to or theft of a rental vehicle at no out-of-pocket cost, so long as you are named on the rental agreement, use your Amex card to pay for the rental in full and decline the CDW offered by the rental company. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. I use it all the time, just keep in mind that it varies from state to state, and that AMEX specifically says that this is secondary insurance, which replaces the one that the rental company offers you. Additionally, any rental vehicle rented in Australia, Italy, New Zealand and any country on the Office of Foreign Assets Control sanctioned country list is excluded. Marcus. When you have the Amex Premium rental car insurance option, it will be your primary policy. If you have an eligible card, you’ll get coverage when you use that card to pay for your entire rental and decline the collision damage waiver offered by the rental car company. Required documentation may consist of, but is not limited to: Related reading: Paying $500 in rental car damage — reader mistake story. Although the American Express Premium Car Rental Protection policy isn’t expensive at $12.25 to $24.95 per rental, it’s still usually better to use a credit card that automatically provides primary car rental protection simply by using the credit card to pay for the rental. The different flavors of American Express Platinum — which one is right for you? 239687) under a group policy of insurance held by American Express International, Inc. (ABN 15 000 618 208, AFSL No. ($150,000 for California Residents). This form, and all other requested documentation, must be returned to the Premium Car Rental Protection Claims Unit within 60 days following the date of the damage or theft. With AMEX premium car rental insurance, the coverage is primary, meaning you don't have to go through your own insurance policy first. If the required documentation is not received within 60 days of the date of loss — except for documentation which has not been furnished for reasons beyond your control — coverage may be denied. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). American Express Premium Car Rental Protection page. If you’re going to enroll in the Premium Car Rental Protection policy, which American Express credit card should you use? The information for the Amex Green and Amex EveryDay Preferred card has been collected independently by The Points Guy. • Up to $7,500 of AD&D coverage per passenger ($150,000 for California Residents). Related reading: The different flavors of American Express Platinum — which one is right for you? That’s an additional 9 points on top of the 1 point you earn for these purchases. However, corporate cards (which are different than business cards) and card accounts issued by a third-party bank partner of American Express are not eligible for enrollment. If you want to know whether a particular American Express card provides secondary coverage, American Express’s website shows policies for all 60 cards that include this coverage. Related reading: Choosing the best American Express credit card for you. Image Credit: 4PM production via Shutterstock. Most American Express cards are eligible to be enrolled in the Premium Car Rental Protection program. Rental Car Insurance Rest assured that you have secondary car rental insurance with most Amex cards. • This product does not include liability coverage. While most American Express credit cards don’t offer primary car rental coverage (though many offer secondary coverage), most will offer an optional Premium Car Rental Protection policy that provides primary coverage. •This product does not include liability coverage. That’s up to $50 in statement credits semi-annually. Renting car with Amex Cars DMCC was never a problem. Can save you quite a bit. If your Card is not listed on this page or if you are an Additional Card Member, please call the number on the back of your Card to verify your benefits. Has anyone used it for car rental in Aruba?We are renting from the AVIS in the Paseo Mall location a compact car ( 1 week for $185 including all taxes) BUT NOT INCLUDING INSURANCE ( which was listed as $18 per ). You’ll remain enrolled until you explicitly terminate your enrollment. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered. Damage to or Theft of a Rental Vehicle coverage is always secondary to any other insurance. The card details on this page have not been reviewed or provided by the card issuer. The coverage offered is secondary, which means that it covers what your insurance provider does not cover. Your first step should be to report any damage that occurs to your rental car — including vandalism, theft or an accident — to the appropriate law enforcement agency as soon as reasonably possible. Any vehicle more than 20 years old or that has not been manufactured for 10 or more years, Limousines, off-road vehicles, motorcycles, motorbikes, mopeds, recreational vehicles, any motorized cart including golf carts, campers or trailers. Enrollment required. BDM. The rental vehicle excess insurance is not replacing rental vehicle insurance and the benefit only provides cover for the a… © 2021 THE POINTS GUY, LLC. US travelers join 20 other nations on the Philippines’ travel ban list, Blue Cash Preferred® Card from American Express, $19.95 ($15.95 CA residents, $12.25 FL residents), $24.95 ($17.95 CA residents, $15.25 FL residents), $10,000 ($40,000 for FL residents and $250,000 for CA residents), $5,000, up to $10,000 total ($15,000, up to $25,000 total for FL residents), Pick-up truck, cargo or passenger van and sport utility vehicle, Australia, Italy, New Zealand and any country on the Office of Foreign Assets Control sanctioned country list, Australia, Ireland, Israel, Italy, Jamaica, New Zealand and any country on the Office of Foreign Assets Control sanctioned country list, Vehicles that, after manufacture by the maker, have had any part customized or modified (except for driver’s assistance equipment for a physically challenged driver), Costs attributed to the rental company’s normal course of doing business and expenses assumed, waived or paid for by the rental company or its insurer, Damage that has occurred prior to possession of the rental car, Tires, unless other damage occurs to the rental car from the same accident or theft of the entire rental car occurs, Defect in the manufacture of the rental car, Depreciation, unless reimbursement for depreciation is required by law, Wear and tear, including such effects caused gradually over time, Any property other than the rental car and personal property, Animals, furniture, art, money, securities, tickets or documents, Items left in the rental car after the cardmember or authorized driver has relinquished possession, Any injury, except coverage for a covered person described under the accidental injury expense benefit and accidental death or, Any injury or physical condition of a covered person existing before an accident, Violation of the rental agreement with the rental company, Acts by a covered person to intentionally damage or injure, Consumption of alcohol at or in excess of the legal blood alcohol level for operating a motor vehicle in the state or locality in which the accident occurred, Being under the influence of any drug unless taken as prescribed or administered on the advice of a physician or dentist, War or act of war, whether declared or undeclared, Actual, alleged or threatened discharge, dispersal, seepage, migration, escape, release of or exposure to any hazardous biological, chemical, nuclear or radioactive material, gas, matter or contamination, Freezing and mechanical breakdown or electrical failure, except where it results from theft, The rental car being left unattended and unlocked or a window not completely closed, Violation of criminal law, or commission of a criminal act, whether cited or charged, by or behalf of the covered person, Participation in a riot, civil disturbance or insurrection, Suicide, attempted suicide or intentionally self-inflicted injury while sane, Failure of the cardmember or authorized driver to surrender all the vehicle keys following possession, A rental car used outside the rental territory authorized by the rental company, A rental car used for any manner of racing or team sport, A rental car used for hire, whether for hire to carry persons or property, You’re renting a pick-up truck, cargo van, passenger van or sport utility vehicle and none of your cards offering primary car rental insurance cover this type of vehicle, You need to rent a vehicle for up to 42 days and none of your cards offering primary insurance cover a rental of the length you need, You value the medical expense benefit and property loss benefit, both of which provide secondary coverage but aren’t included in the benefits provided by most credit cards, Itemized bill for repair or replacement of the rental car or item, Report from law enforcement agency, such as a police report, Copy of all claim documents and correspondence provided by the rental company, Copy of the written rental agreement with the rental company, Death certificate and/or itemized medical bills and medical records, Signed authorization to obtain medical records, Documentation from the rental company indicating that the covered person was responsible for the damages or loss, Receipts or proof of ownership for the stolen or damaged item. 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