Lexi Webster
American Express offers a range of insurance benefits to its cardholders, including car rental loss and damage insurance. While most American Express cards do not automatically offer primary car rental coverage, cardholders can purchase a Premium Car Rental Protection policy that provides primary coverage. This policy covers damage to or theft of the rental vehicle, as well as accidental death or dismemberment, accidental injury, and personal property damage or theft. However, it is important to note that American Express cards from the USA do not cover car rentals in Australia, New Zealand, or Italy. Additionally, certain vehicles may be excluded from coverage, and there are specific terms and conditions that apply to the insurance benefits offered by American Express.
| Characteristics | Values |
|---|---|
| Amex cards that cover car rental insurance in Australia | Amex cards that offer complimentary domestic and international travel insurance when you use your card to book and pay for your return trip. |
| Coverage | Up to $75,000 for theft of or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option. |
| Exclusions | Vehicles rented in Australia, Italy, New Zealand, or any country on the Office of Foreign Assets Control sanctioned country list are excluded. Vehicles that have been customized or modified after manufacture (except for driver's assistance equipment for physically challenged drivers), antique cars, limousines, off-road vehicles, motorcycles, and mopeds are also excluded. |
| Conditions | The insurance is subject to terms, conditions, and exclusions, including maximum age limits, pre-existing medical conditions, and cover limits. |
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What You'll Learn
Amex Platinum card car rental insurance
Amex Platinum cardholders are provided with car rental insurance as one of the card's benefits. This insurance covers the primary cardholder, any authorised users, their spouse or domestic partner, and authorised drivers for rental vehicle damage or theft. This benefit covers the rental car if it is damaged or stolen, but it does not cover damage to other vehicles or property. Additionally, this protection does not cover injuries to people outside the rental car.
The Amex Platinum card car rental insurance also covers passengers in a covered rental vehicle for accidental death or dismemberment, accidental injury, and personal property damage or theft. This means that you are covered for up to $75,000 for theft or damage to most rental vehicles when you use your eligible card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option.
It is important to note that there are some exclusions to the car rental insurance included with the Amex Platinum card. For example, the insurance does not cover intentional damage to the vehicle if the driver was under the influence of drugs or alcohol, or if the vehicle was unlocked when it was stolen. Additionally, the insurance does not cover wear and tear or damage to tires. The accidental death or dismemberment and accidental injury coverages also have exclusions, such as pre-existing conditions, team sports or racing, the voluntary ingestion of a substance, and self-inflicted injury.
While the Amex Platinum card offers car rental insurance, it is not clear if this coverage extends to rentals in Australia. Some sources indicate that American Express cards provide complimentary domestic and international travel insurance when used to book and pay for a trip, which may include rental car insurance. However, other sources suggest that Amex (USA) cards do not cover car rentals in Australia. Therefore, it is recommended to carefully review the insurance terms and conditions provided by American Express to understand the specific coverage and exclusions for car rentals in Australia.
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Amex secondary car rental insurance
The specific coverage provided by Amex secondary car rental insurance can vary depending on the card. For example, the Amex Platinum Card offers coverage for damage to or theft of the rental vehicle, as well as accidental death or dismemberment, accidental injury, and personal property damage or theft for passengers in the covered rental vehicle. Additionally, most eligible American Express cards that offer secondary car rental insurance have exclusions for certain types of vehicles, such as antique cars, limousines, and motorcycles.
It is important to note that Amex secondary car rental insurance may not be available in certain countries, including Australia, Italy, and New Zealand. This means that if a cardholder rents a car in these countries and incurs damage, the insurance provided by their Amex card may not cover the costs. However, it is worth checking the specific terms and conditions of the card to understand the scope of coverage.
To enrol in Amex secondary car rental insurance, cardholders can refer to the Amex website or call the number on the back of their card to verify their benefits. It is also recommended to carefully review the terms, conditions, and exclusions of the insurance policy to understand what is covered and what is not. This includes considerations such as maximum age limits, pre-existing medical conditions, and cover limits.
In conclusion, Amex secondary car rental insurance can provide valuable protection for cardholders who rent cars while travelling. By offering coverage for damage, theft, and personal injuries, this insurance can provide peace of mind and financial protection in the event of an accident or incident involving the rental vehicle. However, it is important for cardholders to familiarise themselves with the specific terms and conditions of their Amex card's insurance policy to ensure they have the appropriate coverage for their needs.
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Amex Premium Car Rental Protection
American Express Premium Car Rental Protection provides primary insurance coverage for damage to or theft of your rental vehicle. This means you don't have to file with any other insurance provider before filing with American Express. However, it's important to note that this protection is not available for rental vehicles in Australia, Italy, New Zealand, or any country on the Office of Foreign Assets Control sanctioned country list. Additionally, certain types of vehicles, such as antique cars, limousines, and motorcycles, are excluded from coverage.
The Platinum Card from American Express offers car rental insurance, which covers the primary cardholder, authorized users, their spouses, domestic partners, and authorized drivers for rental vehicle damage or theft. This insurance also covers passengers in the event of accidental death, dismemberment, accidental injury, and personal property damage or theft. It's important to note that this insurance does not cover damage to other vehicles or property, and there are exclusions for intentional damage, unlocked vehicles at the time of theft, wear and tear, and tire damage.
While most American Express credit cards don't automatically offer primary car rental coverage, you can purchase the optional Premium Car Rental Protection policy for a small fee. This provides primary coverage for eligible rentals booked using an Amex card. However, it's important to check the specific policy for your Amex card, as the included secondary car rental policies differ across cards.
In terms of travel insurance, some American Express cards provide complimentary Domestic and International Travel Insurance when you use your card to book and pay for your trip. This includes coverage for unexpected situations like flight cancellations or changes to your itinerary. Additionally, your credit card travel insurance policy may include rental car insurance, providing cover for loss or damage to a rental vehicle during your trip. It's important to review the terms, conditions, and exclusions of your specific American Express card to understand the coverage provided.
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Amex car rental insurance exclusions
Amex car rental insurance provides coverage for damage to or theft of your rental vehicle. However, there are several exclusions to this coverage:
Country-specific exclusions
Rental vehicles in certain countries, including Australia, Italy, and New Zealand, are excluded from coverage. This exclusion also extends to any country on the Office of Foreign Assets Control sanctioned country list.
Vehicle type exclusions
Some types of vehicles are not covered by Amex rental insurance. These include antique cars (vehicles more than 20 years old or that have not been manufactured for 10 or more years), limousines, off-road vehicles, motorcycles, motorbikes, mopeds, recreational vehicles, motorized carts, moving trucks, campers, and trailers. Additionally, vehicles that have been modified or customized, excluding driver assistance equipment for physically challenged drivers, are also excluded.
Rental duration exclusions
The Amex rental insurance coverage has a maximum duration of 42 consecutive days, or 30 consecutive days for Washington state residents. Rentals exceeding these durations are not covered by the insurance.
Damage and injury exclusions
While the insurance covers damage to or theft of the rental vehicle, it does not cover damage to other vehicles or property. Injuries to people outside the rental vehicle are also excluded from coverage. Intentional damage to the rental vehicle, such as when the driver is under the influence of drugs or alcohol, is not covered. Additionally, the insurance does not cover wear and tear or damage to tires.
Accidental death or dismemberment exclusions
The accidental death or dismemberment coverage provided by Amex has several exclusions. These include pre-existing conditions, team sports or racing activities, voluntary ingestion of substances, and self-inflicted injuries.
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Amex travel insurance
Amex offers a range of travel insurance benefits to its cardholders, including coverage for rental cars. The specific coverage provided depends on the type of Amex card held by the individual. While some Amex cards offer primary rental car coverage, most offer secondary coverage, which requires filing a claim with the primary insurer before submitting a claim to Amex.
The Amex Platinum Card, for example, provides car rental insurance that covers damage to or theft of the rental vehicle, as well as accidental death or dismemberment, accidental injury, and personal property damage or theft for passengers. This coverage is valid when the rental is paid for using the Platinum Card or Membership Rewards points.
It is important to note that certain exclusions and limitations apply to Amex's rental car coverage. Some vehicles may be excluded, such as those rented in Australia, Italy, or New Zealand, or countries on the Office of Foreign Assets Control sanctioned list. Additionally, coverage may not extend to damage to other vehicles or property, intentional damage under the influence of drugs or alcohol, or wear and tear on the rental vehicle.
Amex also offers complimentary domestic and international travel insurance on certain cards when used to book and pay for travel. This insurance provides coverage for unexpected situations like flight cancellations or changes to itineraries. Card insurance may also include coverage for medical emergencies and the loss, damage, or theft of personal items, including smartphones and laptops.
To determine the specific coverage provided by Amex travel insurance, it is recommended to review the terms and conditions associated with the specific Amex card held.
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Frequently asked questions
No, Amex does not cover car rental insurance in Australia. However, it does offer travel insurance and shopping protection, including cover for damage, loss or theft of the contents of your baggage.
The Amex Platinum Card provides car rental insurance that covers the rental car if it is damaged or stolen. It also covers passengers in case of accidental death, dismemberment, accidental injury, and personal property damage or theft.
Secondary car rental insurance covers damage to or theft of your rental vehicle. However, you must first file a claim with your primary insurer before submitting a claim to Amex.
