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.
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 Amex cardholders with 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
Amex Premium Car Rental Protection Info
Cost: Flat rate of $19.95 or $24.95 per rental period ($15.95/$17.95 for CA residents and $12.25/$15.25 for FL residents). 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.
Activation: Your enrolled card accounts will automatically be charged when used to pay for a rental vehicle.
Type of coverage: Primary coverage for theft or damage to the rental vehicle. You get worldwide coverage, except for vehicles rented in Australia, Ireland, Israel, Italy, Jamaica and New Zealand. Coverage is up to 42 consecutive days and extends to a large number of rental vehicles.
Coverage amounts: Up to $100,000 for damage or theft for the higher priced option (up to $75,000 for the lower option).
What is covered: Many rental vehicles, including luxury vehicles, SUVs and pickup trucks.
Who is covered: The enrolled cardholder, and any passengers, including authorized drivers, boarding, sitting, riding or alighting from the rental car. In addition to being covered for theft or damage of the rental vehicle, drivers and passengers get secondary medical coverage and accidental death or dismemberment coverage.
All Amex credit cards offer free rental car insurance. But that coverage is secondary and not as extensive. 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 also covers damaged personal property.
Yes, American Express does offer travel insurance. The most common American Express travel insurance benefits are car rental insurance and baggage insurance. Some American Express credit cards also offer trip delay insurance along with trip cancellation and interruption insurance. To be eligible for travel insurance coverage, you’ll need to pay for your travel using your American Express credit card.… read full answer
American Express Credit Cards with Travel Insurance
Check the guide to benefits that came with your American Express card to see which types of travel insurance are included with your card. The guide will also show coverage amounts and other details on each of your travel insurance benefits.
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