The American Express Platinum card car rental insurance covers cardholders for up to $75,000 in collision damage and theft for vehicles rented with the American Express Platinum card or American Express rewards points. To get American Express Platinum card car rental insurance coverage, you must decline the rental agency’s supplemental insurance policy. To make a American Express Platinum card rental car insurance claim, call (800) 338-1670 within 30 days of a covered incident.
There are a few exceptions you should be aware of, though. And there are more details about the process you’ll need to follow to actually get your money. You can find the key points below.
Here’s more info about the American Express Platinum card car rental insurance:
You’re covered up to $75,000 per claim for collision damage or theft.
You must pay for the entire rental with your American Express Platinum card or rewards points.
You must decline the rental agency’s insurance policy.
The following types of vehicles are not covered by American Express Platinum card rental car insurance: Cargo vans, vans that carry 9+ people, box trucks, trucks that weight 10k+ lbs., modified vehicles (except for handicapped accessibility), antiques, limos, off-road vehicles, motorcycles/motorbikes/mopeds, RVs, golf carts, and a few others.
The following situations and types of damage are not covered by American Express Platinum card rental insurance: Manufacturing defects, wear and tear, damage from illegal activities, accidents caused by driver’s intoxication, seizure by authorities, damage by war, and a few others.
To make an American Express Platinum card rental car insurance claim, call (800) 338-1670 within 30 days of the incident. You can also call (216) 617-2500 collect from abroad. Amex will then mail you instructions for what to do next. You’ll have 60 days to return any proof they request, which may include damage estimates, police reports, etc.
American Express Platinum card rental car insurance will reimburse you within 90 days of American Express receiving your proof of the incident. Before you rent a car with your Amex Platinum card, you should take some time to read through the benefits guide. It will give you the full information.
Amex Platinum’s car rental benefit covers you against collision damage or theft on vehicle rentals up to 30 consecutive days. It applies to rentals from vehicle rental agencies worldwide except in Australia, Italy and New Zealand. It is not available for rentals associated with ride-sharing services such as Lyft and Uber either. Also, it’s important to note that Amex Platinum’s rental insurance coverage is secondary. You’ll have to file a claim with your primary car insurance carrier first. The Amex Platinum car rental benefit may reimburse you for expenses not covered by your primary insurance.
In addition to the car rental insurance benefit, the Amex Platinum Car Rental Privileges program offers complimentary elite statuses and discounts through Avis, Hertz and National. Perks include vehicle upgrades, expedited service, no second driver fees and more. You’re eligible for these privileges whenever you pay for your car rental using the Amex Platinum card. You can see all your choices by logging in to your Amex Platinum account.
The best American Express car rental discounts are 15% - 25% off from Avis and National Car Rental. American Express offers cardholders discounts on rentals from 6 of the top car rental companies, along with benefits like vehicle upgrades and membership status.
The discounts are automatically applied when you pay for the rental using your American Express card. The discount benefit is separate from Amex’s rental car insurance.… read full answer
American Express Car Rental Discounts:
Avis: up to 15% off
Budget: 5% off
Dollar: 15% off
Enterprise: 5% off and complimentary one-car-class upgrade
Hertz: 10% off standard rates and complimentary one-car-class upgrade
National Car Rental: up to 25% off rentals, $15 off 3-day weekend rentals, and Emerald Club Executive Status (after enrolling in Emerald Club, which is free)
Those discounts can be found directly on the rental agencies’ websites, and through American Express. It also never hurts to ask the rental agent what discounts they offer for Amex cardholders. In general, you should avoid going through third-party sites for car rental discounts, since those likely won’t be as reliable.
American Express offers lots of discounts for their cardholders, on purchases ranging from rental cars to concert tickets. They also offer plenty of other benefits, including rental car insurance. 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. 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.
Amex Premium Car Rental Protection is a paid flat-rate rental car insurance policy that provides up to $100,000 in coverage for stolen or damaged rental cars. It covers rentals of up to 42 consecutive days. The policy makes Amex a primary provider. In other words, policyholders can go to Amex first after a rental car gets damaged or stolen. That means they don’t have to rely on a personal auto insurance policy.… read full answer
All Amex credit cards offer free rental car insurance. But that coverage is secondary. Cardholders have to file a claim with their auto insurer before asking Amex for any compensation. The other big difference between Premium coverage and regular insurance from a credit card is that Premium coverage also insures you for personal injury or death. And it covers damaged property.
Amex Premium Car Rental Protection costs either $19.95 or $24.95 per rental period. The cost depends on if you pick the higher or lower coverage option. You don’t pay on a monthly basis. Rather, you get charged every time you rent a car. The cost remains the same no matter how many days you rent the car for, from 1 to 42.
Yes, American Express has five types of travel insurance available on most Amex credit cards; travel accident insurance, baggage insurance, rental car insurance, trip delay insurance and trip cancellation/interruption insurance. To be eligible for coverage, cardholders must either pay their entire travel fare with an Amex credit card or pay at least part of it with Amex rewards.… read full answer
Travel accident insurance reimburses you when a travel provider causes a death or serious injury. All currently available Amex cards have it. The coverage amounts vary by card. But they can be as high as $500,000.
Baggage insurance pays you back for baggage that a travel provider damages or loses. You can get it on most Amex card offers. The coverage can be as high as $3,000 per person per trip.
Rental car insurance pays for damage to and theft of rental cars. Most Amex cards have it. And the coverage can reach $75,000 per vehicle.
Trip delay insurance covers round-trip flights; if your trip is delayed by more than six hours due to a covered reason. Several Amex cards have it and this benefit will reimburse unexpected expenses — such as meals and personal use items — up to $500 per trip.
Trip cancellation/interruption insurance reimburses you for non-refundable travel expenses, you’re your flight is canceled for a “covered reason” (including inclement weather, sudden illness or injury). Several Amex credit cards have it. It gives you up to $10,000 per trip, with a maximum of up to $20,000 per year.
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