Editorial Note: 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. You can enroll cards for which you are the primary cardholder online, but will need to call to enroll authorized user cards. See, credit cards offer insurance when you rent a car, policies for all 60 cards that include this coverage, Choosing the best American Express credit card for you, The Critical Points: Here’s how to avoid letting rental car companies take advantage of you, A $2,000 lesson in card benefits — Reader mistake story. Related reading: Is credit card travel insurance sufficient on its own? Before renting a car and relying on Amex insurance, check the Car Rental Loss and Damage Insurance policy for any state- or territory-specific exclusions. I read some place about AMEX PREMIUM CAR RENTAL PROTECTION. A RED VENTURES COMPANY. For rates and fees of the Blue Business Plus Card, please click here. This is less than ideal as it can cause your premiums to go up before you get access to any benefits offered by your credit card. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. This guide looks at this optional coverage and discusses when it makes sense to enroll. ALL RIGHTS RESERVED. Amex car rental insurance covers damage or theft of the rental vehicle up to $50,000, and can also provide secondary coverage for medical expenses that result from an accident, up to $5,000 per person. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Editor’s note: This is a recurring post, regularly updated with new information. Earn 75,000 Membership Rewards® Points after you spend $5,000 on purchases on your new Card in your first 6 months of Card Membership. In an age when program “enhancements” are too often bad news, American Express added value for its cardholders. This site does not include all credit card companies or all available credit card offers. Marcus. Travel Insurance; COVID-19 Travel Insurance FAQ; Travelers Cheques; Find a Travel Service Office; Global Assist Hotline; United States Change Country. Silvercar. Battle of the premium travel rewards cards: Which is the best? To qualify, you must make one or more rentals through the Silvercar website or mobile app totaling $450 or more. Actual users of the Platinum card say this is by far the best … Image Credit: 4PM production via Shutterstock. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca.In this outline, we have given a brief description of just some of the benefits available under AMEX ® Travel Insurance. Then call the number on the back of your enrolled card as soon as reasonably possible to report the incident and begin the claim process. That’s an additional 9 points on top of the 1 point you earn for these purchases. Earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to $15,000 in combined purchases, during your first 6 months of Card Membership. Subject to additional terms, conditions and exclusions. For rates and fees of the Hilton Aspire Card, please click here. 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. The American Express Premium Car Rental Protection policy provides cardmembers another option when deciding how to best insure themselves when renting a vehicle. 1 Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company and Tokio Marine Pacific Insurance Limited. 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 ). The Platinum Card® from American Express (Staff Favorite) 2. With AMEX premium car rental insurance, the coverage is primary, meaning you don't have to go through your own insurance policy first. CARD HIGHLIGHTS: Delta Sky Club and Centurion lounge access, up to $200 annual airline fee credit and up to $200 in Uber credits annually. Amex is an excellent choice for car rental insurance, as all of its currently available cards offer the benefit. Otherwise, you’ll continue to be charged for coverage each time you rent a vehicle using an enrolled card. Enjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Rental vehicle excess:If a vehicle you have rented from a rental company is damaged or involved in an accident while you are driving or is stolen during your hire term, American Express travel insurance reimburses you the cost of the rental vehicle excess, or the cost to repair the vehicle, whichever is less. 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. That’s up to $50 in statement credits semi-annually. There’s another catch with this coverage: you need to decline the rental car company’s collision damage waiver. Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. The optional Premium Car Rental Protection policy can be added to rentals made using an eligible Amex card for a small fee. If you’re going to enroll in the Premium Car Rental Protection policy, which American Express credit card should you use? Even with the Premium Car Rental Protection, rentals longer than 42 consecutive days (30 consecutive days for Washington state residents), as well as the following rental types, are excluded: And, benefits will not be paid if the loss for which coverage is sought was contributed to or caused by any of the following: Related reading: A $2,000 lesson in card benefits — Reader mistake story. 237996). The secondary car rental loss and damage insurance included with many American Express cards will cover you when an eligible rental car is damaged or stolen. 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. What is the Amex Platinum car rental insurance policy? Receive complimentary benefits through American Express Travel with an average total value of $550 with Fine Hotels & Resorts® program at over 1,100 properties. 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. Please review. 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. Learn More. 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. American Express Complimentary Secondary CDW Coverage; American Express Optional Primary Premium Car Rental Protection Additionally, eligibility may vary by your state of residence and enrollment status of other card accounts you previously opened. 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. The Amex Platinum comes with rental car insurance, also known as collision damage waiver (CDW), that will cover you up to $75,000 for 30 consecutive days. 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. Terms apply to the offers listed on this page. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Key features of rental vehicle excess insurance cover from American Express include: 1. For rates and fees of the Amex Platinum Card, please click here. credit card that automatically provides primary car rental protection, credit cards offer primary car rental loss/damage insurance, The Blue Business®️ Plus Credit Card from American Express, Apply for the best credit card offers using the CardMatch Tool, Paying $500 in rental car damage — reader mistake story, When to buy travel insurance versus when to rely on credit card protections, Best credit cards for rental car coverage, Credit cards that offer elite status for car rentals. Is credit card travel insurance sufficient on its own? 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. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. PREMIUM CAR RENTAL PROTECTION Underwritten by AMEX Assurance Company Administrative Office, 480 Pilgrim Way, Suite 1400, Green Bay, Wisconsin. Credit Cards; Business Credit Cards; Corporate Programs; I will surely go with them again as well. *Bonus value is an estimated value calculated by TPG and not the card issuer. As secondary rental car insurance, American Express rental car insurance covers the loss of the rental car and damage to the rental car. • Up to $75,000 of primary damage and theft coverage for the rental car. View our latest valuations here. For rates and fees of the Amex Green Card, please click here. Can save you quite a bit. You’ll remain enrolled until you explicitly terminate your enrollment. Rental Car Insurance Rest assured that you have secondary car rental insurance with most Amex cards. Sign up for our free daily mailing list and check out our Beginner’s Guide. When you have the Amex Premium rental car insurance option, it will be your primary policy. American Express Premium Car Rental Protection page. 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. BDM. 239687) under a group policy of insurance held by American Express International, Inc. (ABN 15 000 618 208, AFSL No. It can also be a problem if you have a high deductible, which is why it’s a good idea to try and get primary rental car insurance whenever possible. 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. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered. 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. Although, some do come with secondary rental car insurance and you can pay extra for the American Express Premium Rental Car Protection. 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. ($150,000 for California Residents). Note, the estimated return rate for these Amex cards is based on TPG’s latest valuations. • Up to $7,500 per person of excess coverage for Medical Expenses. The $75,000 coverage level with a premium of $19.95 ($15.95 for California Residents) covers: • Up to $75,000 of primary damage and theft coverage for the rental car.• Up to $75,000 of Accidental Death and Dismemberment (AD&D) coverage. Rental car insurance is one of the most important considerations of vacation transportation logistics. Related reading: Choosing the best American Express credit card for you. A small number of premium travel rewards credit cards offer primary coverage — which means you don’t have to file with any other insurance first — but secondary coverage is much more common. Enrollment required. The benefits offered by American Express car rental insurance will cover damage/loss caused by collision or theft of the vehicle you are renting (CDW). Damage to or Theft of a Rental Vehicle coverage is always secondary to any other insurance. You’ll need to log in to your American Express account, select the card you want to enroll, choose the plan you’d like and review the program’s terms and conditions. The American Express Card insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. Is the Amex Platinum once again the king of travel rewards cards? Check for Pre-qualified Credit Card Offers, Credit Intel – Financial Education Center. However, there are some reasons why you might want to use an American Express card and enroll in the Premium Car Rental Protection program instead: Related reading: Comparing car rental elite status. ... About American Express; Investor Relations; Careers; Site Map; Contact Us; Products & Services Products & Services. The secondary car rental loss and damage insurance included with many American Express cards will cover you when an eligible rental car is damaged or stolen. Best Personal Amex Credit Cards for Car Rental Insurance Coverage. Required documentation may consist of, but is not limited to: Related reading: Paying $500 in rental car damage — reader mistake story. TPG has a guide of the best American Express cards, but here are some of my top choices based on their estimated return on car rentals. The Amex Platinum card offers many benefits, including car rental insurance and car rental privileges with Avis, Hertz, and National Car Rental. This site does not include all credit card companies or all available credit card offers. Select the Card below to read the full Policy for Car Rental Loss & Damage Insurance related to that Card. Hilton Honors American Express Aspire Card; American Express Car Rental Coverage. At face value, rental car insurance sounds like a sales pitch when you’re renting a car. It covers you in incidents where the rental car is damaged or stolen, for example. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only. •This product does not include liability coverage. The different flavors of American Express Platinum — which one is right for you? Primary coverage means that you don’t have to file with any other insurance before filing with American Express. 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. 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. Related reading: The different flavors of American Express Platinum — which one is right for you? The information for the Amex Green and Amex EveryDay Preferred card has been collected independently by The Points Guy. To enroll, simply visit the American Express Premium Car Rental Protection page and click Enroll Now. Amex is a strong choice for car rental insurance since almost all of its cards … What the Plan CoversThe $100,000 coverage level with a premium of $24.95 ($15.25 for Florida Residents and $17.95 for California Residents) covers:• Up to $100,000 of primary damage and theft coverage for the rental car.• Up to $100,000 of Accidental Death and Dismemberment (AD&D) coverage ($250,000 for California Residents). Ask AutoSlash for a Quote on a Cheap Car Rental. Premium Car Rental Protection Enrollment Added protection for you and your passengers. 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. 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. The rental vehicle excess insurance is not replacing rental vehicle insurance and the benefit only provides cover for the a… Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Related reading: When to buy travel insurance versus when to rely on credit card protections. © 2021 THE POINTS GUY, LLC. • Up to $10,000 of AD&D coverage per passenger ($40,000 for Florida Residents and $250,000 for California Residents).• Up to $15,000 per person of excess coverage for Medical Expenses.• Up to a maximum of $300,000 combined medical and AD&D coverage per car ($500,000 for California Residents). Different cards provide different levels of coverage, so be sure to check the policy for your particular card. ... the go and provided me with a new replaced car immediately. * AMEX ® Travel Insurance is optional group travel insurance underwritten by Royal & Sun Alliance Insurance Company of Canada. The car itself is covered by the rental company's asset insurance and as required by law. Amex coverage now includes more countries and more vehicle types. For an explanation of our Advertising Policy, visit this page. New to The Points Guy? To receive Amex rental car insurance, be sure to pay for the rental using your Amex card and reject the insurance offered by the rental agency. Related reading: Apply for the best credit card offers using the CardMatch Tool. Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Most American Express cards are eligible to be enrolled in the Premium Car Rental Protection program. This post contains references to products from one or more of our advertisers. Rewards Rewards. Debunking credit card myths: Does having many credit cards hurt your credit score? • Up to a maximum of $200,000 combined medical and AD&D coverage per car ($350,000 for California Residents).• Up to $2,500 per person of excess coverage for personal property, maximum of $5,000 for all. • Up to $5,000 per person of excess coverage for personal property, maximum of $10,000 for all. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year. 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. In September 2017, American Express car rental insurance coverage was extended to three popular destinations. • Up to $7,500 of AD&D coverage per passenger ($150,000 for California Residents). 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. CAR RENTAL LOSS AND DAMAGE INSURANCE DESCRIPTION OF COVERAGE Underwritten by AMEX Assurance Company Administrative Office, 20022 N. 31st Ave. MC: 08-01-20 Phoenix AZ 85027 Car Rental Loss and Damage Insurance provides Authorized Driver(s) with insurance coverage for Damage to … • Up to $7,500 of AD&D coverage per passenger ($150,000 for California Residents).• Up to $7,500 per person of excess coverage for Medical Expenses. Damage to or Theft of a Rental Vehicle coverage is always secondary to any other insurance. To validate your coverage, please call the number on the back of your Card. Choosing the right card for worldwide car rental insurance coverage, My rental car coverage didn’t apply — reader mistake story, Why you might want to get a premium credit card instead of purchasing travel insurance. 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. Through February 22, you can get $100 back on Silvercar rentals. ... [Cardmember: John Q. Best car rental service ever.. very polite and well manner staff...cheap rates in fast services recommend . 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. 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. Please view our advertising policy page for more information. Renting car with Amex Cars DMCC was never a problem. The coverage offered is secondary, which means that it covers what your insurance provider does not cover. However, since the insurance is secondary, you’ll need to file with any other insurance you have first (such as your personal car insurance or travel insurance ). 1. 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. • This product does not include liability coverage. I got my car right at the door step! 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. WELCOME OFFER: 75,000 Points Terms Apply. In addition, Amex's rental car insurance doesn't cover the following vehicles: Full-sized vans; Cargo vans; Commercial minivans; Customized vehicles; Antique cars; Limousines; Off-road vehicles However, since the insurance is secondary, you’ll need to file with any other insurance you have first (such as your personal car insurance or travel insurance). 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. Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. • Up to $75,000 of Accidental Death and Dismemberment (AD&D) coverage. They helped me a lot. Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. National Emerald Club Executive status. The Points Guy will not sell your email. We may receive compensation when you click on links to those products. Related reading: The Critical Points: Here’s how to avoid letting rental car companies take advantage of you. ($150,000 for California Residents). Ana. Rental car loss and damage insurance that comes with the Amex Platinum card is secondary, meaning it only covers what your primary insurance … (Up to $15,000 per person, maximum of $25,000 for Florida Residents). If required, you’ll be sent a claim form. 2 Premium Car Rental Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. I would like to subscribe to The Points Guy newsletters and special email promotions. Please view our advertising policy page for more information. The following table compares the lower and higher levels of the optional Premium Car Rental Protection policies with a secondary policy that comes included with The Platinum Card® from American Express. 5X Membership Rewards® Points on prepaid hotels booked on amextravel.com. The card details on this page have not been reviewed or provided by the card issuer. You won’t be charged anything until you use an enrolled card to rent a car, at which point the premium will automatically post to your account. Myths: does having many credit cards hurt your credit score include: 1 card ; American Express this... User cards having many credit cards hurt your credit score 450 or more through... S latest valuations $ 75,000 of Accidental Death and Dismemberment ( AD & D coverage per passenger ( 150,000! Related to that card credit card myths: does having many credit cards hurt your credit score cards. 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