Italy-rental car exclusion

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Old Jul 19, 19, 11:55 am
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Italy-rental car exclusion

I understand that AMEX doesn't cover cars "rented in Italy." What about cars rented elsewhere and driven (or even returned) to Italy? Can't find definitive answers.
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Old Jul 19, 19, 12:11 pm
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There might be useful information in this thread from the Chase forum. It's short enough to be worth checking:

Unusual Situation about CDW: Renting in France but Driving in Italy!
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Old Jul 21, 19, 10:57 am
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For me, as soon as you drive in Italy, you are not covered with AMEX and for the days in Italy, and will have to purchase a specific insurance from the rental company. That seems to be specific to Italian regulation and AMEX.
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Old Jul 21, 19, 1:54 pm
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Not covered. We checked with AMEX last year on this. Anything happened in Italy would not be covered.

You may also want to check with the rental car companies themselves - Italy is very tricky due to the CDW is mandatory by the government - that means the rate for rental initiated in Italy already includes a basic CDW coverage mandated by law. What you are responsible is the "excess" or the American calls it "deductible" - that amount varies and you could buy extra coverage to reduce the amount.
AMEX would not cover anything, but Chase covers the excess which would be the maximum the rental car can bill you on the damage, BEFORE ADDING ON Airport Surcharge and VAT. Chase covers VAT but NOT Airport Surcharge on the Repair Damage cost.

Cars rented in Italy, sometimes are NOT permitted to be driven to some countries - Croatia comes to mind - some rental car companies do not allow car rented in Italy to go to Balkan countries.

You REALLY NEED to check the rental car companies as well, not just the card coverage on whether there are restrictions in which countries you can bring the rental car to. DONT play dumb because if you violate the rental car agreement which specifies which countries are not allowed to enter and you entered, then incur accident / incident, your credit card coverage would be VOIDED due to the violation. The consequence can be Very Messy.
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Last edited by Happy; Jul 21, 19 at 1:59 pm
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