Apr 3, 2024, 10:08 am
Last edit by: mia
This thread discusses American Express PREMIUM Car Rental Protection. This is an extra cost service that is offered only to cardholders residing in the USA. This is not the same as the Collision Damage Waiver (CDW) that is a standard benefit of many American Express cards.
Premium Car Rental Protection website: https://feeservices.americanexpress....erage/home.do A chart comparing Premium to the standard CDW benefit is at the bottom of that page.
Premium Car Rental Protection offers Primary coverage. Primary means only that the insurer pays first when there is a covered claim. It does not imply that the coverage is superior. The standard CDW provided with USA issued American Express cards provides Secondary coverage if the cardholder has other collectible automobile insurance. If you do not have an automobile insurance policy, or if your policy does not cover rental cars in the area where you are traveling, the standard CDW Waiver becomes Primary.
Premium Car Rental Protection website: https://feeservices.americanexpress....erage/home.do A chart comparing Premium to the standard CDW benefit is at the bottom of that page.
Premium Car Rental Protection offers Primary coverage. Primary means only that the insurer pays first when there is a covered claim. It does not imply that the coverage is superior. The standard CDW provided with USA issued American Express cards provides Secondary coverage if the cardholder has other collectible automobile insurance. If you do not have an automobile insurance policy, or if your policy does not cover rental cars in the area where you are traveling, the standard CDW Waiver becomes Primary.
AMEX (USA) Premium Car Rental Protection
Sep 10, 2013, 5:00 am
#106
Join Date: Jun 2013
Location: FSD
Programs: AA CK, DL SM, UA PS, HH Diamond, Bonvoy Titanium , Hyatt Globalist, Global Entry, CLEAR
Posts: 458
I've been using amex gold skymiles card for 15 months, they told me you are not charged for 24.95 for insurance until you return and close out the bill. so you could reserve with your amex, and then at returning the car, use a different card so you are not charged for the insurance. one could also think that this is a good way to save $25 a month if the car is returned with no damage 
... good idea
... good idea 
Nov 12, 2013, 1:22 pm
#107
Join Date: Oct 2012
Posts: 771
car rental insurance
i currently have an amex plat and i had signed up for car insurance pay per rental i believe its 25 dollars. i have used that and was charged the 25 dollars right after my card is charged the rental fee.
i had rented a car over the weekend and used my platinum but was NEVER charged the insurance fee. i am a bit concern as i am not sure if i was covered or not. luckily this time around i didn't have an incident but i wanted to see if anyone ran into this before.
did the coverage get discontinued? i guess i could call amex but wanted to see on here first.
thanks !
i had rented a car over the weekend and used my platinum but was NEVER charged the insurance fee. i am a bit concern as i am not sure if i was covered or not. luckily this time around i didn't have an incident but i wanted to see if anyone ran into this before.
did the coverage get discontinued? i guess i could call amex but wanted to see on here first.
thanks !
Nov 12, 2013, 2:01 pm
#108
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
Nov 12, 2013, 2:59 pm
#110
FlyerTalk Evangelist
Join Date: Dec 2003
Location: Not here; there!
Programs: AA Lifetime Gold
Posts: 29,601
Wirelessly posted (BlackBerry: BlackBerry8530/5.0.0.601 Profile/MIDP-2.1 Configuration/CLDC-1.1 VendorID/417)
The only way to know for sure whether you had the $25 primary protection or the free secondary protection on that rental is to call Amex and ask.
The only way to know for sure whether you had the $25 primary protection or the free secondary protection on that rental is to call Amex and ask.
Nov 12, 2013, 7:59 pm
#111
Join Date: Oct 2012
Posts: 771
Nov 13, 2013, 3:53 pm
#112
Join Date: Feb 2009
Posts: 6,607
i currently have an amex plat and i had signed up for car insurance pay per rental i believe its 25 dollars. i have used that and was charged the 25 dollars right after my card is charged the rental fee.
i had rented a car over the weekend and used my platinum but was NEVER charged the insurance fee. i am a bit concern as i am not sure if i was covered or not. luckily this time around i didn't have an incident but i wanted to see if anyone ran into this before.
did the coverage get discontinued? i guess i could call amex but wanted to see on here first.
thanks !
i had rented a car over the weekend and used my platinum but was NEVER charged the insurance fee. i am a bit concern as i am not sure if i was covered or not. luckily this time around i didn't have an incident but i wanted to see if anyone ran into this before.
did the coverage get discontinued? i guess i could call amex but wanted to see on here first.
thanks !
If you just returned the car Monday ( and made this post Tuesday) maybe the AMEX charge is pending.
The last time I used the insurance I returned the car 4/13 and the $24.95 posted on 4/15.
The rental insurance is tied to the card and activates ( and charges) every time you rent a car
Nov 13, 2013, 5:50 pm
#113
Join Date: Oct 2012
Posts: 771
If you just returned the car Monday ( and made this post Tuesday) maybe the AMEX charge is pending.
The last time I used the insurance I returned the car 4/13 and the $24.95 posted on 4/15.
The rental insurance is tied to the card and activates ( and charges) every time you rent a car
The last time I used the insurance I returned the car 4/13 and the $24.95 posted on 4/15.
The rental insurance is tied to the card and activates ( and charges) every time you rent a car
Nov 17, 2013, 7:53 pm
#114
Moderator: CommunityBuzz!, OMNI, OMNI/PR, and OMNI/Games & FlyerTalk Evangelist
Join Date: Nov 2000
Location: ORD (MDW stinks)
Programs: UAMM, AAMM & ExPlat, Marriott lifetime Plat, IHG Plat, Hilton Diamond
Posts: 23,507
I have used the AMEX Premium Car Rental protection and unfortunately was involved in a hit & run accident. I foolishly confronted the offender in a parking lot at 1am & they decided to flee. I could not have been more pleased at how professional & prompt AMEX was in processing the claim!
Now a question, anyone have an idea why Italy is excluded from coverage?
Now a question, anyone have an idea why Italy is excluded from coverage?
Nov 17, 2013, 8:05 pm
#115
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,958
Nov 18, 2013, 1:02 am
#116
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Perhaps also because there is a much higher rate of theft and body damage in Italy. Traditionally anyways.
Nov 18, 2013, 7:24 am
#117
Moderator: CommunityBuzz!, OMNI, OMNI/PR, and OMNI/Games & FlyerTalk Evangelist
Join Date: Nov 2000
Location: ORD (MDW stinks)
Programs: UAMM, AAMM & ExPlat, Marriott lifetime Plat, IHG Plat, Hilton Diamond
Posts: 23,507
Dec 2, 2013, 9:38 pm
#118
Join Date: Nov 2006
Programs: AA MM PP, MR LT Plat, Globalist
Posts: 1,004
AMEX Protection effective when reservation includes LDW?
My company's corporate rate with National includes National's LDW. I'm using the corp rate to book an SUV during holiday season.--All other SUV rates are much more costly!
When booking, there's no option to deselect the included National LDW. I thought about asking the counter agent to manually remove the LDW, but I don't want to attract attention to my using the company rate.
Will I be able to claim AMEX protection if my reservation shows National LDW included?
I will be driving the snowy mountains around Tahoe during Christmas week, so want to make sure I'm protected!
When booking, there's no option to deselect the included National LDW. I thought about asking the counter agent to manually remove the LDW, but I don't want to attract attention to my using the company rate.
Will I be able to claim AMEX protection if my reservation shows National LDW included?
I will be driving the snowy mountains around Tahoe during Christmas week, so want to make sure I'm protected!
Dec 5, 2013, 3:30 pm
#119
Join Date: Mar 2006
Location: SF, CA, US
Programs: AA Plat Pro, UA MM Gold, HHonors Silver, Marriott Bonvoy Plat, IHG Ambassador
Posts: 1,236
I'm thinking about taking advantage of Avis Germany's offer, for holders of an F boarding pass on LH, of 3hr Porsche 911 rental for €99. Would this be covered by PCRP assuming I pay for it with an Amex card? Also, am I understanding correctly that PCRP is excluded from the Business version of the SPG Amex?
Apr 27, 2014, 7:28 pm
#120
Join Date: Jan 2005
Location: Panama City Beach, FL (ECP)
Programs: Delta PM, Alaska MVP, Hilton GoldMarriott Titanium
Posts: 780
Premium Rental Car Coverage
I've been looking to use the premium rental car insurance through AMEX for an upcoming international trip, since it is likely my personal insurance won't provide coverage, and if anything will make anything easier should an unfortunate thing happen. With that being said, what exactly does this cover? I looked through the T&Cs on the info page (https://www295.americanexpress.com/p...verage/home.do), and it just says 'damages'. Would this insurance cover say a burnt up clutch in a manual transmission vehicle (since manuals are more or less standard elsewhere in the world, and you never know who has driven it in the past - and those can be pricey repairs) or wheel damage or is it really just the "whoops I backed into a post" or "Some dude hit me with his door" type of damage? I was hoping to find a copy of the actual policy, but had not seen anything online.