Does Amex cover car rental excess?

Does Amex cover car rental excess?

Yes, American Express (Amex) does offer car rental excess insurance coverage as a benefit for some of its cardholders. This benefit can help save you money by covering the cost of the excess in case of an accident or damage to the rental vehicle.

Amex cardholders who have enrolled in the Premium Car Rental Protection program can receive coverage for car rental excess up to $75,000. This coverage is secondary to any other insurance you may have, including your personal car insurance policy.

To be eligible for Amex car rental excess coverage, you must pay for the rental with your eligible Amex card and decline the rental car company’s collision damage waiver (CDW) or loss damage waiver (LDW).

It’s important to note that Amex car rental excess coverage does not cover liability insurance, personal injury, ambulance fees, or damage to any other vehicles involved in the accident. Be sure to read the terms and conditions of the coverage before renting a car with your Amex card.

FAQs about Amex car rental excess coverage:

1. Can I use any Amex card to receive car rental excess coverage?

No, only specific Amex cards, such as the American Express Platinum Card, American Express Gold Card, and certain other premium cards, offer car rental excess insurance coverage.

2. How do I enroll in the Premium Car Rental Protection program?

You can enroll in the program by calling the number on the back of your Amex card or by visiting the Premium Car Rental Protection page on the Amex website.

3. Is there a fee for enrolling in the Premium Car Rental Protection program?

There is no fee to enroll in the program, but you will need to pay a fee for each rental period that you use your Amex card to pay for the rental.

4. How much coverage does Amex offer for car rental excess?

Amex offers up to $75,000 in coverage for car rental excess through its Premium Car Rental Protection program.

5. Does Amex car rental excess coverage apply internationally?

Yes, Amex car rental excess coverage applies worldwide, as long as you pay for the rental with your eligible Amex card and decline the rental car company’s CDW or LDW.

6. Can I use my Amex card to rent a car for someone else and still receive car rental excess coverage?

No, you must be the primary driver and renter of the vehicle to receive car rental excess coverage with your Amex card.

7. Does Amex car rental excess coverage have a deductible?

No, Amex car rental excess coverage does not have a deductible, meaning you won’t have to pay anything out of pocket if you need to make a claim.

8. How do I file a claim with Amex for car rental excess coverage?

You can file a claim by calling the number on the back of your Amex card and providing the necessary documentation, such as the rental agreement and a repair estimate.

9. Can I use my Amex card to pay for a rental through a third-party booking site and still receive car rental excess coverage?

Yes, as long as you pay for the rental with your eligible Amex card and decline the rental car company’s CDW or LDW, you can receive car rental excess coverage.

10. Does Amex car rental excess coverage extend to rental trucks or vans?

Yes, as long as the rental truck or van is for personal use and not for business purposes, you can receive car rental excess coverage with your Amex card.

11. Can I use a corporate Amex card to receive car rental excess coverage?

It depends on the specific terms of your corporate Amex card. Some corporate cards offer car rental excess coverage, while others do not. Be sure to check with your card issuer to confirm.

12. Is there a limit to the number of times I can receive car rental excess coverage with my Amex card?

There is no limit to the number of times you can receive car rental excess coverage with your Amex card, as long as you meet the eligibility requirements for each rental.

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