American Express Car Rental Insurance

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There is no arguing that American Express car rental insurance offers good coverage through their Platinum and Delta Reserve card options. The coverage provided by using American Express cards is up to $75,000 on the two card options mentioned, and is good for up to 30 days of rental hire. Personal property protection, and up to $5,000 in medical expense coverage are included. No cover for rentals in Italy, Antipodes, Eire, Israel, and Jamaica.


American Express Car Rental Insurance (Premium Option)


For a fee of $25 per rental period, the renter can opt for American Express Premium Car Rental Protection. The Premium option differs from all other credit cards as it includes more by way of cover. Amex say this serves as primary insurance, but that is debatable and not something you would want to test when a mishap occurs during your hire.

Premium provides coverage up to $100,000 for damage or theft of the rented vehicle. A similar benefit applies to accidental death, and up to $15,000 for secondary medical expenses per person in your vehicle. Premium cover does not extend to other parties in the event of an accident, nor does it cover liability in the event of legal expenses accruing.


Declining Rental Company Waivers


To qualify for auto rental insurance through your credit card, you have to satisfy a few conditions. You must decline the rental company's LDW for your credit card company to agree to cover you.  Moreover, you have to charge the entire cost of the rental via that credit card. Using your credit card is where the card provider makes money thanks to the ridiculous fees they charge merchants/vendors!

Keep all receipts because in the event of an accident, you may be required to submit proof to your card operator that you did in fact rent the vehicle using their credit card. Also, ensure that the primary credit card account holder’s name matches the name on the auto rental contract.


American Express Car Rental Insurance vs


Wise renters would elect to have Affordable Car Rental Damage Insurance in place. Having this cover means they can confidently decline the waivers at the rental desk, knowing that up to $35,000 coverage is offered for as little as $7.99 per day. No quibble in the event of a claim, as long as a Rental Agreement is in place and you comply with the conditions therein.