Originally Posted by
TravelinSperry
I just enrolled. I am doing back to back to back monthly rentals and the base LDW/CDW doesn't cover this. It will only cover one 30 day rental even if you switch car rental companies. The Premium Amex insurance will cover back to back monthlies as long as you close out one contract and open a new one (even if you keep the same vehicle).
From Amex's policy:
"Note: In no event shall coverage be provided when the Cardmember rents a Rental Auto beyond 30 consecutive days from the same Rental Company, regardless of whether the original agreement is extended, or a new written agreement is entered into, or a new vehicle is rented.
Additionally, no coverage will be provided when the Primary Renter rents a Rental Auto for more than 30 consecutive days out of a 45 day period within the same geographic market/location (75 mile radius)."
I ended up choosing the $17.95 per rental option in CA over the $15.95. For $2 got a little more coverage (although likely not needed). The regret for $2 would be super high if it ever does come into play.
The main landing page of the premium rental car coverage webpage seems to have changed recently. It now says 42 consecutive days of coverage, except in Washington State, which is 30 days.
Also, quick question for those with a bit more insight on the terms and conditions. I have an upcoming 30 day rental for work, but I might use the car a few days for personal use in between and towards the end of the rental. It turns out the monthly rate is cheaper than 3 weeks, so I just plan to charge the rental to my card and submit for reimbursement. Would a joint personal/business purpose rental be handled any differently coverage wise?