You are also eligible to receive a one car class upgrade when you rent an intermediate through full sized car (subject to availability) and pay with your Amex Platinum Card. Status with a rental car … Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company. Ok, the American Express Platinum covers with secondary insurance when renting a car. It will NOT be published. Police report that includes damage, theft, or accident information. ... American Express® Platinum Credit Card . For theft or damage to the rental vehicle, the Amex Platinum card covers up to $75,000. Secondary insurance means it will only come into play if your personal auto insurance does not apply. If you'd like to add a comment to this article and share your valuable feedback and opinions, please click here to leave your comment. Hot Tip: For more information about Avis car rentals, check out our complete guide to the Avis Preferred Car Rental Program. Per the Amex terms, if you do not have primary insurance the Amex Platinum Insurance will still kick in. Bottom Line: To be eligible for car rental loss and damage insurance from the Amex Platinum Card, you need to pay for the entire rental cost with your card and decline the collision damage waiver (CDW) offered by the rental company. What Else to Know About American Express Rental Car Insurance. But feel free to contact Amex directly regarding this, as they may have a policy that is disclosed elsewhere. While liability is a … This site does not include all credit card companies or all available credit card offers. Hi JJ W. According to the Amex site, your card does have car rental insurance. Welcome American Express® Card Members 5% off and a Complimentary One Car Class Upgrade. Use code CDP#211762 when enrolling in Hertz Gold Plus Rewards to ensure you receive your benefits. Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site — and prior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). I can’t find that statement you made about AMEX Platinum acting as Primary on rental cars in other countries. Hi Pb. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. They got the claim started and gave me a claim number. To validate your coverage, please call the number on the back of your Card. If you have a basic AmEx card, you’ll receive secondary coverage up to $50,000. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Editorial Disclosure: The content featured on UpgradedPoints.com has not been provided by the credit card companies mentioned. This Benefit G uide describes the Car Rental Loss and Damage Insurance benefit s that are in effect for rentals made on and after 01/01/2020. Are these different? Coverage doesn't apply to vehicles rented in Australia, Italy or … You can be covered for theft, loss and damage of your rental car with an MSRP of up to $85,000 for rentals of 48 days or less when you fully charge your rental to your Platinum Card. You do not need a primary carrier. Yes, since the Amex Platinum provides secondary insurance it will cover you if your personal policy does not. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. Once you enroll in any of these programs, you will enjoy special benefits and perks. To be eligible you need to pay for the entire rental with your Amex Platinum Card and decline the CDW offered by the car rental agency. Glad I checked this out because I was going to rent with Enterprise and thought I could upgrade for free . © 2021 Upgraded Points™, LLC. In addition to exploring England, she visited Ireland, Scotland and the Netherlands during that time and loved every minute of it (everything except the hostel in Scotland – that’s an experience she doesn’t intend on repeating!) https://www.americanexpress.com/us/credit-cards/features-benefits/policies/car-rental-loss-and-damage-insurance-terms.html. It is a reimbursement policy and does not cover Liability, which is very important here in Mexico.That is why they offer it as "Car Rental Insurance" Only covers the Car...I think that's pretty slick advertising.You need the SLI here in Mexico. As I was researching Costa Rica compulsory liability insurance, I did some research on problems with car rental companies.It had several expats, frequent car renters in CR, tell me about the many times they got charged "damage" that showed up on their credit card after they had turned a car in.. In addition, as an Amazon Associate we earn from qualifying purchases. What if I don’t have a primary insurance carrier because I don’t own a car? Well, a car rental insurance bought on its own from AAA or Allianz would cost $9 per day. 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Filing your claim should take about 15-20 minutes, but you can stop and come back to it by clicking the Save and Finish Later button. CRLDI_Benefit_Guide_371-396_EDT_01.20_REV_10.20.pdf-Opening in new window View Policy. This card comes with primary car rental insurance and only a $95 annual fee. LDW stands for Loss Damage Waiver which is another term for Collision Damage Waiver (CDW). These perks only apply to U.S and Canadian residents who are renting at a participating Avis location in the U.S or Canada. You can earn National points with Enterprise but other benefits do not carry over. What is the Amex Platinum car rental insurance policy? You can contact them at 1-800-338-1670. $550.00 per year, the worst point reward system, and secondary car rental insurance unless you want to pay extra money. Select the Card below to read the full Policy for Car Rental Loss & Damage Insurance related to that Card. These perks are all included with the Amex Platinum card annual fee. © 2020 American Express. Rental car loss and damage insurance that comes with the Amex Platinum card is secondary, meaning it only covers what your primary insurance won’t cover. Rental Excess Insurance In my dive into car rental excess insurance, I emphasised that for me, the Amex Platinum Charge was my go-to card for rentals further than 150km from my home. As a point of clarification, the National Executive status is great but it doesn’t transfer to Enterprise. Select the Card below to read the full Policy for Car Rental Loss & Damage Insurance related to that Card. We enjoy it tremendously when readers find our pieces useful. Car rental privileges with Avis, Hertz, and National Car Rental, Terms Apply. You can then present your specific question to them and receive further clarification. This premium credit card comes with a premium price tag. When I took the car back they were closed, so I just left it at that. Read this Benefit Guide carefully. This site does not include all credit card companies or all available credit card offers that are on the market. This coverage is secondary, which means you will have to file a claim with any other applicable insurance first. Did AMEX cancel it? Platinum and Business Platinum Card Members are only eligible for 1 additional point on cruise reservations. Avis offers discounts and upgrades to Amex Platinum Card members. Amex Platinum cardholders also receive complimentary Emerald Club Executive membership. It is not Primary Coverage. Please review. So I rang them up and spent about 20 minutes on the phone. While Amex's rental car coverage is available in most cases, not all rentals are eligible. Please note: There is updated information regarding COVID-19 and insurance coverage you may have on your Amex Card effective January 1, 2021. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. This means that you need to file a claim with any other applicable insurance first before this coverage kicks in. If you have other concerns or hesitations about what the coverage extends to I would recommend contacting American Express directly. Thanks for reading! For rates and fees of the Amex Platinum Card, click, Hilton Honors gold an Marriott gold elite, Travel insurance and lost baggage insurance, Choose your own car from the ExecutiveSelection area, Upgrades when renting a full size through luxury car, Accelerated earnings toward free rental days, Pay for the entire rental cost with your Amex Platinum Card, Decline the collision damage waiver (CDW) offered by the rental company, Off-road vehicles, motorcycles, campers, trailers, recreational vehicles, Any vehicles rented in Australia, Italy, and New Zealand, Any situation where the rental car was taken out of the authorized rental area or off-road, Any situation in which illegal drugs and/or alcohol are involved, Any residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the U.S. Minor Outlying Islands, Any ride sharing companies that allow individuals to rent out their personal cars, For residents of Utah and Vermont, this coverage is primary instead of secondary (see below for more on this). The Amex Platinum Card offers secondary coverage. Thanks for reading. The Amex Platinum card offers many benefits, including car rental insurance and car rental privileges with Avis, Hertz, and National Car Rental. Amex defines an eligible renter as the following: “An Eligible Renter means a Card Member with an Eligible Card, and their spouse or Domestic Partner, and Authorized Drivers.” Because of the word “and”, it appears others are covered only in addition to the Card Member. I see LDW, PAI, PEP and ALI. Hey Ryan! ), For UP's rating and in-depth analysis, see our, Amex Platinum Card Rental Car Loss & Damage Insurance, For rates and fees of The Platinum Card® from American Express, click. While the dollar figure may seem daunting, this card comes with a lot of benefits to offset the cost. Specialty cars (group x) are not eligible for these discounts. This site does not include all credit card companies or all available credit card offers that are on the market. If the link times out and is not available, you can log in to your account and see the terms and conditions for the coverage. Amex Platinum car rental insurance covers cardholders for up to $75,000 in collision damage and theft for vehicles rented with the Amex Platinum credit card or American Express rewards points. Amex Platinum car rental insurance covers cardholders for up to $75,000 in collision damage and theft for vehicles rented with the Amex Platinum credit card or American Express rewards points. To take advantage of this protection, simply decline the Collision Damage Waiver (CDW), Loss Damage Waiver (LDW) or similar option offered by the car rental agency. The table below displays a snapshot of rewards cards on Canstar’s database that offer complimentary travel insurance that includes domestic rental car excess insurance.The display is sorted by Star Rating (highest to lowest) then provider name (alphabetically), and is … All of these coverages are optional for purchase. For UP's rating and in-depth analysis, see our The Platinum Card® from American Express review. For a comprehensive guide to all of the value you can get out of this card, check out these benefits of the Amex Platinum Card. Additionally, if the cardmember, authorized driver, or passenger suffers an accidental death or dismemberment as a direct result of an accident that occurs in the rental car, the plan pays up to $200,000 for the cardmember and $20,000 for an authorized driver or passenger with a per accident max of $300,000. Information in this Benefit Guide replaces any Car Rental Loss and Damage Insurance benefits document You may have received previously for Your Additional Card Benefits. If my personal auto insurance does not cover car rentals in Europe, will my Amex card then provide insurance coverage? I thought "oh yeah, amex has rental insurance." In other words, make sure you know the proper procedures required by your credit card company beforehand. However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. I hope this info will help someone with decision whether or not to use their AMEX CC for car rental insurance in Ireland.. My husband and I have rented many times from Eutoeurope (Poland, Czech Republic, Germany, UK, Italy, Denmark, The Netherlands etc.) To get Amex Platinum car rental insurance coverage, you must decline … In this post we’ll focus on its perks related to renting a car. Click here to see a list of advertisers that we work with. I got a bill from the rental place for like $350 bucks. Platinum Card Travel Benefits; All Other American Express Travel Cards: Click on your card and then the “travel” tab. The policy states that Italy is excluded but we are not in a position to interpret the policy further. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer. Click here or call 800-525-3355 to enroll in Hertz Gold Rewards. Rental car loss and damage insurance that comes with the Amex Platinum card is secondary, meaning it … If you have a Platinum credit card from, you’ll get secondary coverage valued up to $75,000. Amex now covers all vehicles up to a maximum limit of $50,000. The first thing you should know about the car rental loss and damage insurance offered by the Amex Platinum card is how to remain eligible. Benefits include: Click here or call 800-525-3355 to enroll in Emerald Club. ¹. If you do this, you must finish your claim within 72 hours, or all of your information will be deleted and you’ll have to start over. You should make a call to the benefits administrator (phone number on the back of your card) for clarification on which coverage you have on your card and also to your auto insurance carrier (if applicable) if you have more questions. In addition, their Centurion lounges now have a new policy that … My spouse is a free additional driver because of my Hertz Five Star membership, the rate code I used, or because spouses are free by law in some locations. 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 … As part of the benefits of holding the Amex Platinum Card, you will receive complimentary memberships with Avis, Hertz, and National Car Rental programs. So If your personal auto insurance will not cover damage to your rental car in another country, then you can submit a claim with your secondary insurance. Disclaimer: Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. However if I rent in France and return to Italy will that be covered? Hello Francis. Hey Lisa, unfortunately that is correct. Yes, the car rental coverage that comes complimentary with the Amex Platinum is secondary which requires you to file a claim with any other applicable insurance you might have, first. Learn more about the benefits Card Membership can provide. Or do I need to have a primary carrier? Enjoy additional benefits when you … If the rental vehicle is paid for entirely with an Amex Platinum that belongs to someone other than the authorized driver, would Amex still provide coverage for any damages if the cardholder is not in the vehicle? Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. The secondary insurance can cover expenses that the primary insurance didn’t cover. All American Express credit cards come with rental car insurance. If you prefer primary coverage (meaning you don’t have to file a claim with your other insurance first), take a look at the Chase Sapphire Preferred® Card. If you have any questions about your claim, call 1-800-338-1670. Email needed if you'd like comment updates. As for the car rental insurance, when you pay for the entire rental with the Amex Delta SkyMiles Platinum, “damage to or theft of most rental vehicles” is insured with the card, though this coverage is secondary to any other coverage you already have. Click here or call 800-331-1212 to enroll in Avis. Image Credit: American Express. The optional Premium Car Rental Protection policy can be added to rentals made using an eligible Amex card for a small fee. The coverage provided by the Amex Platinum card does not include any of the following: This coverage only applies to the first 30 days of a rental. Express rental car insurance to read the full policy for car rental Loss and insurance... When readers find our pieces useful is a ripoff including their Platinum card personal Effects Protection, and have been... 800-331-1212 to enroll in Emerald Club Executive Membership Rewards to ensure you receive your benefits Avis in. 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