Amex (USA) cards don't cover car rentals in Australia, NZ, Italy?
May 8, 2021, 10:54 am
#1
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Amex (USA) cards don't cover car rentals in Australia, NZ, Italy?
- They aren’t always available in every country. While the exact list of excluded countries varies from card to card and issuer to issuer, the most common exceptions I’ve seen are Australia, Italy and New Zealand.
But presumably if you rent in a neighboring country like France or Austria and drive into Italy and incur damage, it would be covered?
Has anyone had an issue with getting Amex car insurance coverage in certain countries?
May 8, 2021, 11:18 am
#2
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https://thepointsguy.com/guide/cards...ntal-coverage/
But presumably if you rent in a neighboring country like France or Austria and drive into Italy and incur damage, it would be covered?
Has anyone had an issue with getting Amex car insurance coverage in certain countries?
But presumably if you rent in a neighboring country like France or Austria and drive into Italy and incur damage, it would be covered?
Has anyone had an issue with getting Amex car insurance coverage in certain countries?
May 8, 2021, 11:20 am
#3
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https://thepointsguy.com/guide/cards...ntal-coverage/
But presumably if you rent in a neighboring country like France or Austria and drive into Italy and incur damage, it would be covered?
Has anyone had an issue with getting Amex car insurance coverage in certain countries?
But presumably if you rent in a neighboring country like France or Austria and drive into Italy and incur damage, it would be covered?
Has anyone had an issue with getting Amex car insurance coverage in certain countries?
For example, see these threads:
Italy-rental car exclusion
AMEX rental car LDW/CDW country exclusions
May 8, 2021, 2:52 pm
#5
Join Date: Feb 2012
Posts: 4,477
You have to be very specific and honest with the rental provider about your intended route. Most cars are now equipped with GPS tracking devices. The moment you stray into an area excluded by your contract, insurance coverage will be cancelled. However, a different contract that accommodates your route may be available at the time of rental at a higher price.
May 8, 2021, 11:22 pm
#7
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You have to be very specific and honest with the rental provider about your intended route. Most cars are now equipped with GPS tracking devices. The moment you stray into an area excluded by your contract, insurance coverage will be cancelled. However, a different contract that accommodates your route may be available at the time of rental at a higher price.
May 8, 2021, 11:30 pm
#8
Join Date: Jan 2014
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Europe is an interesting place when it comes to rental car insurance coverage. They will come after you for chips on the windshield and even scratching the rims. Instead of relying on my chase CC which does have primary coverage, I just bought their full coverage for peace of mind. They have a bunch of coverages which include a deductible, does not cover tires etc.. I just bough the one for full coverage. What would be considered wear and tear in the US is NOT in Europe.
May 9, 2021, 12:15 am
#9
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https://thepointsguy.com/guide/cards...ntal-coverage/
But presumably if you rent in a neighboring country like France or Austria and drive into Italy and incur damage, it would be covered?
Has anyone had an issue with getting Amex car insurance coverage in certain countries?
But presumably if you rent in a neighboring country like France or Austria and drive into Italy and incur damage, it would be covered?
Has anyone had an issue with getting Amex car insurance coverage in certain countries?
May 9, 2021, 12:20 am
#10
Join Date: Feb 2012
Posts: 4,477
I'd disagree on that decision. It would bring me no peace of mind to have my insurance company picked by the same entity who is expected to go after me with questionable charges. All CC insurance overseas will be primary, as US Auto insurance does not apply abroad. In my experience all high end credit cards provided excellent service on Auto Insurance overseas whenever I needed to make a claim. They promptly paid what they considered reasonable, and took the rest off my bill (as was the case with one "loss of use claim" in AU).
May 9, 2021, 1:13 am
#11
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I'd disagree on that decision. It would bring me no peace of mind to have my insurance company picked by the same entity who is expected to go after me with questionable charges. All CC insurance overseas will be primary, as US Auto insurance does not apply abroad. In my experience all high end credit cards provided excellent service on Auto Insurance overseas whenever I needed to make a claim. They promptly paid what they considered reasonable, and took the rest off my bill (as was the case with one "loss of use claim" in AU).
May 9, 2021, 1:46 am
#12
Join Date: Sep 2011
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Why would it bother you when you can total the car and just walk away after returning the keys? I read the contract, liability is already included in the rental. What I'm paying for is for the damage to the car including theft. While returning the car at Malpensa, I ran into the pole at the return parking while the return guy was watching. I told him "Full Coverage" we both laughed and he gave me the receipt and I went on my way.
May 9, 2021, 2:32 am
#13
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I completely agree. If the rental company's full comprehensive insurance is not cost prohibitive (I've had rentals where it was only about $5/day for total no deductible coverage including glass and wheels), it's almost always a wiser choice. No fronting the damage fees, no back and forth asking for logs and other documentation, no loss of use or depreciation fees that may not end up being covered by the card. But most of all, paying that extra $10-30 or so is worth my saved time. Obviously if it costs $30/day etc. the calculation is different.
May 9, 2021, 2:35 am
#14
Join Date: Feb 2012
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And if they didn't pay, and claim instead that you committed intentional vandalism? Would you enjoy dealing with an insurer across the ocean? Besides it's silly to pay for insurance, when one is provided at no extra charge by a top local company subject to US contract law. Of course, to each their own.
May 9, 2021, 2:45 am
#15
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And if they didn't pay, and claim instead that you committed intentional vandalism? Would you enjoy dealing with an insurer across the ocean? Besides it's silly to pay for insurance, when one is provided at no extra charge by a top local company subject to US contract law. Of course, to each their own.