American Express Membership Rewards - Car Rental Insurance - get a copy of the policy

I have the Green card. I called (800-338-1670) and got a copy of the insurance policy e-mailed to me.

It's very limited; I suggest everyone call and get the details for their card if you use the insurance.

Some of the limits I noticed:
- No car insurance coverage provided if you are a student receiving student benefits on your card

- No coverage of cars with MSRPs of over $50,000

- No coverage of full-size SUVs (e.g. Caddy Escalade or Lincoln Navigator)

- No coverage of "exotic" cars, e.g. BMW M3, Z3, 8 series, Jaguar XJS

Anyway, some of these excluded cars are things that you can reasonably get through Hertz, etc., that aren't really quite so "exotic."

d

wow! thanks

...Another reason to use Diners when renting vehicles...

good advice. I just did.

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<font face="Verdana, Arial, Helvetica, sans-serif" size="2">Originally posted by Doppy:

- No car insurance coverage provided if you are a student receiving student benefits on your card

d</font>

hmm, this is not good. especially, after i called and asked for rental car coverage on my card 3 times, and the answer was always: yes....



[This message has been edited by Pacha (edited 06-02-2003).]

Amex uses different insurance policies for each card type, and each card market.

The german Centurion card policy (from ACE insurance SA-NV, Belgium) explicitely excludes following rented cars : Aston Martin, Bentley, Bricklin(?), Corvette, Jaguar/Daimler, DeLorean(!), Excalibur, Jensen, Lamborghini, Lotus, Maserati, Porsche, Rolls-Royce.

<font face="Verdana, Arial, Helvetica, sans-serif" size="2">Originally posted by Pacha:
hmm, this is not good. especially, after i called and asked for rental car coverage on my card 3 times, and the answer was always: yes....</font>

The text reads:

"A PERSONAL, GOLD, Rewards Plus Gold Cardmember who is enrolled at an accredited four year college, university or graduate school in the United States and is receiving student benefits provided as a benefit of Cardmembership is not eligible for benefits under this Policy."

Pretty surprising, if you ask me. I never would have thought that getting student benefits would disqualify you from car rental insurance. I've never heard of it before; I was quite surprised to read it in the policy. They certainly don't mention that exception anywhere else.

d

<font face="Verdana, Arial, Helvetica, sans-serif" size="2">Originally posted by Doppy:
- No coverage of cars with MSRPs of over $50,000

- No coverage of full-size SUVs (e.g. Caddy Escalade or Lincoln Navigator)

- No coverage of "exotic" cars, e.g. BMW M3, Z3, 8 series, Jaguar XJS</font>I think those three are pretty standard among credit card insurance coverage - the "student benefits" exclusion is new to me though.