Summary
Yes! American Express offers car rental insurance on many of its cards. Most cards provide secondary coverage, which helps after your personal insurance. You can also buy Premium Car Rental Protection for better, primary coverage. Always check your card’s terms before renting.
Introduction
Many people rent cars when travelling for work or vacations. But car rental insurance can be expensive. The good news is that some credit cards, like American Express, may help cover this cost.
If you are an Amex cardholder, you may already have rental car protection. This blog explains what American Express offers, who is eligible, and how to use the coverage properly.
Can You Get Rental Car Insurance Through American Express?
Yes! A lot of American Express cards come with rental car insurance. But not all Amex cards give the same coverage; it depends on the card and how you use it for the rental. Here, you’ll know in detail:
-
Standard Car Rental Insurance (Included)
Most Amex credit cards come with secondary rental car insurance. This means Amex will only pay after your personal auto insurance is used.
It usually covers damage or theft of the rental car. This benefit is free and activates when you decline the rental company’s insurance.
-
Premium Car Rental Protection (Optional)
Amex also offers Premium Car Rental Protection. This is an optional upgrade you must enrol in. It gives primary coverage, which means you don’t need to use your personal insurance first.
It has higher limits and covers more situations. You pay a flat fee per rental (not per day). This is great for travellers who want full peace of mind.
What Is Covered by Amex Car Rental Insurance?
American Express car rental insurance offers helpful coverage for many situations. It mainly protects the rental vehicle, but the benefits depend on your card type.
- Covers damage or theft of the rental car.
- Includes collision-related repairs.
- May cover towing costs.
- Offers loss-of-use reimbursement to the rental company.
- Available for most standard car types.
- Only applies when you decline the rental company’s insurance.
What Is Not Covered by Amex Car Rental Insurance?
American Express car rental coverage has limits. So, always review your card’s terms before you travel. Knowing these details can help you avoid big problems. Like,
- It won’t cover injuries to people or damage to other property.
- Expensive or exotic cars like Ferraris are not included.
- Motorbikes, large vehicles, or RVs are also excluded.
- Rentals that last more than 30 days.
- Countries that are excluded by the Amex policy.
Who Can Get Rental Car Insurance Coverage with Amex?
You need to be the cardholder or an authorized user to be eligible. To get Amex coverage, use your Amex card to pay in full. Also, reject the rental company’s CDW.
If you agree to their insurance, Amex might not help. Be careful with this step to stay protected. If all these conditions are met, you are likely covered.
How to Use Amex Rental Car Insurance?
Using Amex rental car insurance is simple, but you must follow the rules.
- First, pay for the car rental using your American Express card.
- Then decline the rental agency’s CDW or LDW option.
- In case of damage or theft, contact Amex quickly.
- Submit the claim form provided by Amex.
- Collect your rental contract, damage report, and pictures.
- If all documents are clear, the claim process is usually fast and easy.
Important Things to Know Before Renting a Car with Amex
It’s smart to know how your Amex rental insurance works. Read the rules before you rent. It protects you and avoids confusion during your trip.
- Check your Amex card’s rental coverage benefits.
- Confirm that your rental location and vehicle type are eligible.
- Decline the rental agency’s insurance.
- Use your Amex card to pay the full amount.
- For better coverage, think about the Premium Protection plan.
Conclusion
Rental insurance from Amex is available on many cards. But the coverage type depends on the card. Most offer secondary protection. Primary coverage comes with the optional Premium plan.
You must follow the steps, use your Amex card and say no to the rental company’s insurance. Check your card’s rules before you rent. It helps you stay protected and saves you stress and unexpected costs.
FAQs
Is rental damage covered automatically with every Amex card?
Not every Amex card includes coverage. Most offer secondary coverage, but always check your card’s benefits.
Why choose primary coverage over secondary coverage?
Primary covers rental damage first. Secondary only pays after your personal insurance is used.
How long can I rent and remain covered?
Coverage usually lasts up to 30 days per rental. Longer rentals may not qualify.
How do I file a claim with Amex?
Call the Amex benefits number or visit their claims website. You’ll need rental documents and proof of damage.
Are there any limits to what Amex rental insurance covers?
You can’t hire luxury cars, longrentals, go to specific countries, or be hurt. Always read your small print.