Originally Posted by
Raffles
Probably not. In any event, rental in your home country is only covered if you have booked a hotel or flight in conjunction with the same journey - an exclusion which Amex does not point out in the 'big print' in the brochure referenced above.
Can you tell me where you've seen that exclusion?
I can't find it in my seven-page description of coverage:
https://yourcarrentalclaim.com/Claim...nts/optima.pdf
EDIT: Maybe that exclusion is only for the UK coverage, where you don't have to use your card to pay for the rental. The US coverage requires you to use your card, but doesn't require a flight or hotel booking.