American Express Membership Rewards - Car rental insurance

I tried to do a search but didnt get any conclusive results. what I found says something like most luxury exotic cars and large SUVs are not covered by the free insurance on the amex.

would a cadillac CTS be covered? thanks for your input.

Also I dont really see the big difference between the free insurance and the 25$ per rental insurance. They say the paid one is primary.But if you dont have coverage the free secondary insurance becomes primary anyways. right?

I have rented cars many times before I just declined the insurance without really thinking about it. But lately Murphy has been showing me how true his law can be and I dont want to take any chances

When I had a minor accident years ago, I was not the least bit satisfied with my Amex coverage.

Anything with an MSRP of over $50,000 plus full-size SUV's (Tahoe, Suburban, Expedition, etc.), pick-up trucks, and certain sports cars listed in the Policy (https://www.ufac-claims.com/amexcm/documents/Green.pdf).

The Premium car rental policy has much higher limits and also provides additional coverages such as medical payments, accidental death & dismemberment, and personal property (i.e., contents of the vehicle). On the premium coverage , the limit is basically dollar limit ($100,000 for the $24.95 coverage or $75,000 for the $19.95 coverage) and does not exclude specific vehicles or large SUV's and the like.

Also I dont really see the big difference between the free insurance and the 25$ per rental insurance. They say the paid one is primary.But if you dont have coverage the free secondary insurance becomes primary anyways. right?


Yes, if the renter does not have his own coverage, then the secondary or "excess" that many credit cards provide in most (but not all) countries becomes primary for that renter. But bear in mind that no credit card provides liability coverage for injury you may cause to others, or damage to the property of others. And the state insurance minimums that car rental companies are required to cover you with in most (but not all) states are usually quite low. If you cripple or kill someone with your rental car, you could be wiped out financially. So unless you have one of those rare homeowner's policies that also covers you for third-party liability when driving a rental car, you should seriously consider purchasing supplemental liability insurance (about $12-14/day) from the car rental company. SLI usually provides $1,000,000 in third-party liability coverage.

It is worth noting that the Travel Insurance that comes with the UK Platinum and IDC Cards covers everything... Their marketing says "Just Say No" to all insurances at the rental counter.

It is worth noting that the Travel Insurance that comes with the UK Platinum and IDC Cards covers everything... Their marketing says "Just Say No" to all insurances at the rental counter.

I am not familiar with UK insurance law but it may differ from US law in that insurance coverage lssues are left to the 50 states to decide and therefore there is a patchwork of differing statutes and case law to intepret same, whereas it may be that UK insurance law is more uniform, and hence the abillity of the UK card to offer such advice.

Secondarily, although we most heartily welcome all comers here on FT, I think that the posters here are still mostly American and therefore, UK card coverage is inapplicable to most if not all of them.

I am not familiar with UK insurance law but it may differ from US law in that insurance coverage lssues are left to the 50 states to decide and therefore there is a patchwork of differing statutes and case law to intepret same, whereas it may be that UK insurance law is more uniform, and hence the abillity of the UK card to offer such advice.

Secondarily, although we most heartily welcome all comers here on FT, I think that the posters here are still mostly American and therefore, UK card coverage is inapplicable to most if not all of them.

Well my UK platinum card certainly covers me for all insurance whilst hiring in the US.

Re your second paragraph, I wish y'all would actually state you are talking about the inferior US coverage when starting these threads so I don't have to worry.

Well my UK platinum card certainly covers me for all insurance whilst hiring in the US.

Re your second paragraph, I wish y'all would actually state you are talking about the inferior US coverage when starting these threads so I don't have to worry.

Yes, and that is because you reside in the UK so you are able to obtain that card.

As to the second paragraph, well, there's power in numbers. ;)

Secondarily, although we most heartily welcome all comers here on FT, I think that the posters here are still mostly American and therefore, UK card coverage is inapplicable to most if not all of them.





Thank you SO much for welcoming us here! :rolleyes: Are you Randy Petersen's spokesperson?
:td:

It is worth noting that the Travel Insurance that comes with the UK Platinum and IDC Cards covers everything... Their marketing says "Just Say No" to all insurances at the rental counter.

Wow, this is good to know. I have a Platinum IDC issued out of the UK, and I thought it only covered LDW or ALI (can't remember which), but not both.

I'm going to need to recheck my coverage. I usually take the all-inclusive rate from Avis which includes full insurance because it's quite a good rate, but maybe knowing I could waive all insurance, not just some, I might be able to do better.

There are many international FT members and we appreciate discussions of non-U.S. based perks. No one jumps in and tells posters to stop talking about the benefits of the Australian or German or UK based cards in other threads (as they shouldn't), so why do it here?

This is an AmEx forum, not just a US-based AmEx forum, and rental car coverage is an important feature of all AmEx cards, regardless of where issued.

Susan

[QUOTE=SusanDK;8543496]

There are many international FT members and we appreciate discussions of non-U.S. based perks. No one jumps in and tells posters to stop talking about the benefits of the Australian or German or UK based cards in other threads (as they shouldn't), so why do it here?

This is an AmEx forum, not just a US-based AmEx forum, and rental car coverage is an important feature of all AmEx cards, regardless of where issued.




Susan--well said!:)
Margaret

UK style insurance has also been updated to IEC/IDC and also Finnish Platinums. Maybe other European cards are also nowadays inline with UK insurance?

Thank you SO much for welcoming us here! :rolleyes: Are you Randy Petersen's spokesperson?
:td:

Build a thicker skin. If you thought my post above was unwelcoming, you need to see a shrink! :rolleyes:

Remember, not so long ago, you and I were conversing as friends (check you private mail if you don't recall -- your son works for the NFL and is still paid in English Pounds, etc.).

So, I don't know what got into you today..............