joshwex90

Can someone please correct me if I'm wrong, but the way I'm understanding is:
The Premier card offers me EMV with an offline PIN (CVM1), airport lounge access free of charge (to a decent offering of lounges globally?), primary auto-rental coverage (meaning I can decline all the optional insurance offerings?) valid in ALL countries (that doesn't exclude Israel and Ireland like most cards do), all for just $95/year?

If so, that sounds like a great deal, even if the rewards don't match Amex MR)

mia

Maybe.

https://www.dinersclubus.com/us/docs...ToBenefits.pdf

I think this provision means that coverage is secondary for residents of New York:

I think this provision means that there is no coverage in certain countries, but they have elected not to name them:

The $50,000 MSRP limitation may also be important. That's only about 40,000 Euros.


You can assess the lounge network by looking here:

http://www.dinersclublounges.com

I would say it is more comprehensive that Lounge Club, but less than Priority Pass.

joshwex90

Luckily (for many reasons), I'm not a resident of NY

The lounge offering does seem decent. The greatest? No. But coupled with other potential lounge access options, it helps shore up decent offering.

What is the EOC?

mia

Evidence of Coverage, in other words the document linked in my previous reply.

tmiw

Actually, it might not be available at all for NY residents. Otherwise they'd have put that it was secondary coverage there. Also, the countries that rental coverage is usually void in are Israel and a few other places, IIRC.

EDIT: Jamaica, Israel, The Republic of Ireland and Northern Ireland

mia

Perhaps, but the next paragraph begins:

I cannot see a circumstance in which it would become secondary, unless they are referring to New York residents, but it is certainly not clear.

joshwex90

I know it's usually void in Israel. However, every single time that it's void there, the agreement specifically says so. Here, it doesn't say anything about Israel being excluded.

And there's precedent - a number of companies who had excluded Israel no longer do. For example, Chase used to exclude Israel and no longer does.

OT, but I have yet to see an explanation for why these countries are excluded. It's not like they're more dangerous than other countries from a road safety (quality of roads and/or quality of drivers) perspective, or any other safety/security perspective, such as terror or organized crime.

tmiw

Maybe weirdness in insurance laws?

joshwex90

Israel has 2 rental insurance offerings: Compulsory Insurance and Comprehensive Insurance. The Compulsory, everyone must get, regardless of anything, and is included in the listed rental price.
The Comprehensive is basically like CDW (though in the US, aren't you give 2 options, not just CDW?). You can decline, regardless of what car insurance or credit card you have. They warn you heavily (based on marketing tactics, not legal tactics) that you will be responsible for everything, and they try to convince you that your credit card won't cover you (which, at least the agents in the airport, know by now to be not true).

Quokka

Some countries/areas probably don't need to be called out by name since other exclusions will often apply there to the Diner's CDW coverage.

tmiw

Speaking of $50,000, would Silvercar rentals be covered? I'm not exactly sure how their cars are configured but the A4's MSRP without additional options seems to range from $35-45k. My concern is they configured their cars in such a way that the MSRP goes over $50k.

EDIT: emailed them and got a response. Definitely under the $50k limit. ^

hockeydiva

When I was in Costa Rica last summer [renting at the San Jose airport from a major car rental agency], they claimed that I had to also buy liability insurance through the rental company--that the credit card insurance was not enough, even if primary. I had actually printed out all of the coverage documents [10+ pages, I think] because I anticipated some issues. This insurance was NOT quoted as part of the rental.

Also, they said that if I wanted to rely on my CC insurance for CDW, they would charge my credit card for any damage when I returned the car, and I'd have to work out reimbursement with my CC company later. It could be up to the cost of the car if the car was stolen.

Because I was only renting to drive to the hotel and back, I decided I did not want to try to fight the issue nor did I want to take the risk, and I ended up taking a taxi.

I did a little research later, and as far as I could tell, extra liability insurance IS required in Costa Rica. With my VERY cheap rental, it would have doubled the cost of the rental.

If anyone else has different information, I would love to know so that I am better prepared next time.

GregL

I don't have all the paperwork I received with my card, so thought I'd ask here... what countries is Diners' primary coverage not valid in?

Thanks,
Greg

sdsearch

Just to make sure, you are asking about the Premier card? (The coverage plan, and thus coverage T&Cs for the Professional card are completely different.)

There is unfortunately no one such thing as "Diners' primary coverage", even within the sphere of just US cardholders. Different cards have different coverage.

Did you look at the links in the posts above? Your question may already be answered up there.

mia

I appended GregL's question to this thread.

The Professional charge card CDW documentation is online:

https://www.dinersclubus.com/us/docs...-insurance.pdf