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Thread: Amex Premium vs standard CDW benefit if renting in a country where CDW is mandatory.
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Old Jul 11, 2021 | 5:14 pm
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seawolf
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Originally Posted by tr3k
Could someone clarify the terms of this program. It says in the sample terms: "Coverage is activated when the Cardmember uses an Enrolled Card to pay the rental fee for the Rental Car and the Cardmember signs the rental agreement for that Rental Car"

Does it mean that the coverage is available in addition to CDW (in those cases where declining CDW is not possible or practical)?

In the past standard Amex rental car coverage had language to that effect (allowing CDW to be accepted), but current standard coverage contracts no longer include that language.
If you don't decline CDW, then you are paying for AMEX Premium Rental coverage for no reason as car rental should be "waiving" damages to the vehicle due to CDW/LDW and not send you a damage claim for AMEX to cover.

I believe you can call AMEX and have them credit back any premium paid when you provide them a copy of rental agreement stating CDW/LDW was included.
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