weever

I just broke right front tire of my rental car today.

I use citi prestige rent a car at SixT in LAX.

I called CITI to ask the rental insurance benefit, the benefit specialist told me CITI Prestige cover secondary insurance in US and primary other than US.

Is that true?

Before I rent this car, I Google online, some bloggers said the citi prestige provide primary insurance.

Anyone has any information about this.

Damn, if it is secondary, I have to pay it for myself.

lotrbfme

True, secondary in the US and primary Outside the US, it is in my benefits guide, sorry to hear about that fella. Do you have a personal car insurance? It might cover the car rental...

jeelele

Citi does not provide Primary Car Rental Insurance. If you do not have your personal auto insurance, then Citi's coverage will become primary. Otherwise, you can still claim deductible amount of your personal insurance from Citi.

Never rely on bloggers. Most have gotten into a habit of selling you credit cards without verifying facts and benefits. Shame on them!

rgAAFT

More simply
At least on the AA executive card
in the United States coverage is secondary , outside the US its becomes primary
but I would appreciate a more detailed explanation of this from those who know

mia

The explanation is in the terminology itself.

Secondary means that if you have other collectible auto insurance you must file a claim with that carrier, and the CDW bundled with the credit card pays only what was not paid by the primary insurer, such as the deductible.

Primary means that you may file a claim directly with the credit card policy without regard to any other insurance that you may carry.

Typically, USA-issued automobile policies do not provide coverage outside of the USA. This means that most USA residents do not have an collectible insurance for international rentals, and the distinction between primary and secondary is irrelevant. It is also irrelevant if you do not have an automobile policy because, for example, you do not own or lease a car.

HOWEVER, bear in mind that CDW only pays for damage to the rental car itself. It does not pay for damage to another car, other property, personal injury, legal defense etc.

Extensive discussion here:

http://www.flyertalk.com/forum/credi...ance-wiki.html

Nick92

See this thread: http://www.flyertalk.com/forum/citi-...1-23-14-a.html for a link to the Benefits PDF of various Citi products including Prestige.

NWplatinum

mia

Correct, but inasmuch as most USA auto insurance is not valid outside North America, the primary/secondary distinction isn't important for international travel.

guv1976

The U.S. Bank Altitude Reserve card also provides primary rental-car loss/damage coverage both within and without the U.S.

guv1976

You might not have to pay for it yourself.

If you do not have a personal auto-insurance policy, the "secondary" coverage becomes primary in your case. Ditto if you do have a personal auto-insurance policy that does not offer coverage for rental-car damage.

If you do have a personal auto-insurance policy that does cover rental-car damage, if that coverage has a deductible, and the cost of replacing the tire is less than the deductible, you also won't have to pay: the credit-card insurance will. If you have such coverage and the cost of replacing the tire exceeds the deductible on your personal policy, then the credit-card coverage will pay the deductible, and then you will decide whether to pay the difference yourself, or file a claim with your personal insurance for the difference.

​​​​​

NWplatinum

guv1976

Check the terms of your personal auto-insurance policy (and your umbrella policy, if you have one). If your coverage does not extend to cars rented outside of the U.S. and Canada, then credit-card coverage should cover you for overseas car-rental loss/damage. (A few countries are excluded; check your credit card's description of coverage.)

NWplatinum

mia

The distinction between "primary" and "secondary" disappears completely unless you have other insurance that covers the same rental. Does your personal automobile insurance apply in Germany?

guv1976

I do not hold the Citi Prestige card, but do hold a Citi/AAdvantage “Platinum Select” World Elite MasterCard. My card’s “Guide to Protection Benefits” contains the following language with regard to “Worldwide Car Rental Insurance”:

“In the United States, the coverage provided by this benefit is secondary. . . . Outside the United States, the coverage provided by this benefit is primary even if you have another insurance policy.” (Emphasis added.)

What does your card's Guide to Protection Benefits say?