Editor’s note: This is a recurring post, regularly updated with new information. ($150,000 for California Residents). Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. 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 compensation may impact how and where products appear on this site (including, for example, the order in which they appear). 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. Ask the cruise director: What are your top tips for cruising? 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. All users of our online services are subject to our Privacy Statement and agree to be bound by the Terms of Service. Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. I got my car right at the door step! Note, the estimated return rate for these Amex cards is based on TPG’s latest valuations. The optional Premium Car Rental Protection policy can be added to rentals made using an eligible Amex card for a small fee. Rental Car Insurance Rest assured that you have secondary car rental insurance with most Amex cards. 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. That’s up to $50 in statement credits semi-annually. The car itself is covered by the rental company's asset insurance and as required by law. 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. Ana. Is credit card travel insurance sufficient on its own? This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). 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 ). 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. Unlike most credit cards’ rental car insurance, you won’t have to make a claim with your personal insurance to receive benefits. I would like to subscribe to The Points Guy newsletters and special email promotions. Hilton Honors American Express Aspire Card; American Express Car Rental Coverage. Renting car with Amex Cars DMCC was never a problem. 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. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered. 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. Best car rental service ever.. very polite and well manner staff...cheap rates in fast services recommend . 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). For rates and fees of the Blue Business Plus Card, please click here. You’ll remain enrolled until you explicitly terminate your enrollment. This site does not include all credit card companies or all available credit card offers. 237996). 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. Otherwise, you’ll continue to be charged for coverage each time you rent a vehicle using an enrolled card. 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. Please view our advertising policy page for more information. I will surely go with them again as well. We may receive compensation when you click on links to those products. 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. Subject to additional terms, conditions and exclusions. I read some place about AMEX PREMIUM CAR RENTAL PROTECTION. The card details on this page have not been reviewed or provided by the card issuer. Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. 239687) under a group policy of insurance held by American Express International, Inc. (ABN 15 000 618 208, AFSL No. • Up to $7,500 per person of excess coverage for Medical Expenses. • Up to $7,500 of AD&D coverage per passenger ($150,000 for California Residents). The American Express Card insurance is underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL No. When you have the Amex Premium rental car insurance option, it will be your primary policy. 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. The Amex Platinum card offers many benefits, including car rental insurance and car rental privileges with Avis, Hertz, and National Car Rental. Rewards Rewards. Amex is an excellent choice for car rental insurance, as all of its currently available cards offer the benefit. •This product does not include liability coverage. 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. Rental car loss and damage insurance that comes with the Amex Platinum card is secondary, meaning it only covers what your primary insurance … 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. Marcus. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year. 1 Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company and Tokio Marine Pacific Insurance Limited. Damage to or Theft of a Rental Vehicle coverage is always secondary to any other insurance. Most American Express cards are eligible to be enrolled in the Premium Car Rental Protection program. 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. Sign up for our free daily mailing list and check out our Beginner’s Guide. 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. 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. BDM. 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 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. The Platinum Card® from American Express (Staff Favorite) 2. You can enroll cards for which you are the primary cardholder online, but will need to call to enroll authorized user cards. Enrollment required. 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. Amex Platinum vs. Amex Gold: Which one is right for you? Related reading: The different flavors of American Express Platinum — which one is right for you? 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. Amex is a strong choice for car rental insurance since almost all of its cards … 1. Related reading: Is credit card travel insurance sufficient on its own? This site does not include all credit card companies or all available credit card offers. 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. © 2021 THE POINTS GUY, LLC. The American Express Premium Car Rental Protection policy provides cardmembers another option when deciding how to best insure themselves when renting a vehicle. 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). 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. If required, you’ll be sent a claim form. 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. As secondary rental car insurance, American Express rental car insurance covers the loss of the rental car and damage to the rental car. 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. To enroll, simply visit the American Express Premium Car Rental Protection page and click Enroll Now. * AMEX ® Travel Insurance is optional group travel insurance underwritten by Royal & Sun Alliance Insurance Company of Canada. Rental car insurance is one of the most important considerations of vacation transportation logistics. The Points Guy will not sell your email. Primary coverage means that you don’t have to file with any other insurance before filing with American Express. Terms apply to the offers listed on this page. • Up to $75,000 of primary damage and theft coverage for the rental car. 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. 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. Enjoy complimentary access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world. 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. ($150,000 for California Residents). Premium Car Rental Protection Enrollment Added protection for you and your passengers. 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. 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. Image Credit: 4PM production via Shutterstock. Many of the credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. (Up to $15,000 per person, maximum of $25,000 for Florida Residents). 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. • Up to $75,000 of Accidental Death and Dismemberment (AD&D) coverage. They helped me a lot. Uber Cash and Uber VIP status is available to Basic Card Member and Additional Centurion Cards only. 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. Check for Pre-qualified Credit Card Offers, Credit Intel – Financial Education Center. If you’re going to enroll in the Premium Car Rental Protection policy, which American Express credit card should you use? 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. Featured photo by Dave and Les Jacobs/Getty Images. 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. PREMIUM CAR RENTAL PROTECTION Underwritten by AMEX Assurance Company Administrative Office, 480 Pilgrim Way, Suite 1400, Green Bay, Wisconsin. Although, some do come with secondary rental car insurance and you can pay extra for the American Express Premium Rental Car Protection. Please view our advertising policy page for more information. Select the Card below to read the full Policy for Car Rental Loss & Damage Insurance related to that Card. Best Personal Amex Credit Cards for Car Rental Insurance Coverage. Learn More. Silvercar. Travel Insurance; COVID-19 Travel Insurance FAQ; Travelers Cheques; Find a Travel Service Office; Global Assist Hotline; United States Change Country. Key features of rental vehicle excess insurance cover from American Express include: 1. At face value, rental car insurance sounds like a sales pitch when you’re renting a car. CARD HIGHLIGHTS: Delta Sky Club and Centurion lounge access, up to $200 annual airline fee credit and up to $200 in Uber credits annually. The information for the Amex Green and Amex EveryDay Preferred card has been collected independently by The Points Guy. There’s another catch with this coverage: you need to decline the rental car company’s collision damage waiver. Actual users of the Platinum card say this is by far the best … Please review. For rates and fees of the Amex Green Card, please click here. What is the Amex Platinum car rental insurance policy? If you are worried that you might get into an accident involving damage or injury to others, you have two choices: use your own insurance (if that is covered) or buy coverage from the rental agency. Disclaimer: The responses below are not provided or commissioned by the bank advertiser. To qualify, you must make one or more rentals through the Silvercar website or mobile app totaling $450 or more. 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