The premium will be charged to my Card account whenever I pay for a car rental using my enrolled American Express. Loss is partially or wholly. Damage to the. If you wield a credit card from American Express, you already have rental car insurance. So visit American Express' Car Rental Loss and Damage Insurance policies.

• American Express Car Rental Loss
• Rental Loss Deduction Limitations

The examples and perspective in this article may not represent a of the subject. You may, discuss the issue on the, or, as appropriate. (September 2016) Damage waiver or, as it is often referred to, collision damage waiver ( CDW) or loss damage waiver ( LDW), is optional damage insurance coverage that is available to you when you. Car rental companies treat the CDW as a waiver of their right to make the renter pay for damages to the car. In many countries, it is a legal requirement to have CDW insurance included in the basic car rental rate. It covers the rented car.

Some rental companies also offer and coverage of towing charges. Terms and prices vary. Alternatives to the CDW include other car insurance policies, some coverage from credit card issuers (, etc.,) and some. Contents. Risks addressed Liability If the car damages property or injures someone, the customer or other insurance must pay for the damages (i.e., is 'held liable'). US car rental companies sometimes include minimum liability insurance required by law in the basic rental charge.

Hertz includes it in all states except California, but will subrogate any damages against the driver (meaning the car is insured to the state minimum but the driver will pay for all damages paid by Hertz). Avis includes it in all states except California and Texas, at least for renters who lack their own coverage.

Other companies do not publicize where they include liability insurance in the basic rental charge. Some car rental companies offer more liability insurance for a fee.

Collision, theft, other damage. See also: When a customer does not pay the car rental company to waive damage, and a rented car is stolen, or damaged by accident, vandalism, weather (hail), etc., the customer or other insurance must pay to the rental company the full cost of repair, plus administrative charges and, in some states,. From some companies, in some states and countries, there are charges for towing, storage, impound, administrative fees and of the car (Avis, Budget, National, Thrifty ). Some companies even say they alone will decide the diminution (Dollar, Hertz' ). The rental company's damage waiver normally covers accidental damage and towing a damaged vehicle, as long as the renter complies with the rental contract (such as authorized drivers, locations, no racing) and with the damage waiver (such as police report ). Waivers may also cover theft, vandalism, loss of use, and liability. The renter often has a choice among different coverages for different fees.

Damage waivers are not necessarily complete. They may have (also called excess) and limits on the amount covered.

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Liability coverage always has limits. The descriptions above come from rental company websites, under headings like Policies, FAQ, Coverage, or More.

Damage Waivers can be bought from the car rental company in most countries, or through a car hire excess insurer in the UK, or through travel insurers. Coverage from the car rental company may be required if the renter lacks proof of coverage elsewhere. Insurance or not?

CDW meets the basic definition of, since it transfers some risk from the car renter to the rental company. However rental companies do not call it insurance, since it is a waiver between the renter and the company that the company waives their right to charge the renter for valid damages to the vehicle. Rental companies are not licensed or regulated as insurers.

There are also no claims made. Rental companies treat CDW as a waiver of their right to make the renter pay for damage to the car.

Credit card coverage of damage waiver Cards issued in the US, and Trinidad and Tobago Some credit card issuers (, etc.,) offer insurance for theft or damage to rented cars. A few of the cards (noted in the table below) offer 'primary' insurance, so the driver does not need to file a claim with his or her personal insurance. More cards offer 'secondary insurance.' This means that if the renter has personal or business vehicle insurance with appropriate coverage, then that insurance will pay first. Then the credit card issuer will pay the primary insurance's and will address any large claims above the primary insurance limit. If the renter has no other vehicle insurance for the specific claim (no insurance at all, or not in the relevant country, or no collision insurance, etc.), the credit card company (if it offers coverage) will pay the whole amount, up to its limits.

All four credit card companies listed below cover collision damage with some of their cards. The main difference among the cards is that Discover covers nothing else; Visa and some MasterCards and American Express cards also cover theft, while other MasterCards and American Express cards include theft, vandalism, hitting a deer or chipping a window (sources at bottom of table). Other issues important to some renters are that covers only the cardholder, not helpful when people share a car rental. Visa and MasterCard only cover rental contracts of 15 days or less (not even the first 15 days of longer rentals). Some American Express and MasterCards are not useful on dirt or gravel roads, since they exclude 'damage sustained on any surface, other than a bound surface such as concrete or tarmac'. Some Discover cards exclude private roads, such as shopping centers, many subdivisions, business parks, private college campuses, etc. MasterCard and Visa in the United States say they cover 'Physical damage and/or theft', but an introductory paragraph for some MasterCards and all Visa cards limits this to 'collision or theft,' so vandalism and hail are excluded.

It may be ambiguous whether deer impacts and glass chips are covered as 'collisions.' MasterCards from Bank of America and MBNA generally have a simpler opening paragraph, which leaves coverage in place for any physical damage. Even among these brands, some cards lack coverage entirely, especially debit cards and cards with low credit limits. The AmEx Platinum Cash, for example, has no coverage. MasterCard 'Standard' cards lack coverage, while 'Premier', 'Gold' and 'Platinum' cards vary in their coverage. Citi® / AAdvantage®, Citi ThankYou®, Citi® Dividend or Citi CashReturns® MasterCard-branded cards are notable for providing coverage worldwide without geographic exclusions, while most other MasterCard, Visa and American Express cards exclude coverage in Ireland, Israel, Jamaica.

These schemes apply to cards issued in the US, Trinidad and Tobago, and apparently nowhere else. In addition, no credit card will cover a rental that is being billed to a third party, such as in the event that an insurance company is being directly billed for the rental. The following table is an effort at a summary, though not guaranteed. Coverage is complex and changes periodically. Telephone staff do not know the changes.

Formal insurance policies govern and are not easily available to cardholders, who are only given summaries, like the links below. 'Loss of use' and administration fees are often advertised as covered by credit cards. However, credit card companies pay these items only if the rental car company provides proof. If rental car company does not provide proof, there seems little reason for the renter to pay either. Avis offers one or two million dollars of in the US. Hertz offers one or two million dollars of in the US. ^.

Items 4.b and 4.c. Retrieved 24 September 2016. Retrieved 24 September 2016.

Retrieved 24 September 2016. National Car Rental. Retrieved 24 September 2016. Retrieved 24 September 2016. Retrieved 24 September 2016. Jordan, Eric (September 26, 2014). Conde Nast Traveler.

Retrieved 24 September 2016. Holifield, Lee,. Hertz provides insurance notes among various topics shown for each location under Reservations/.

provides insurance notes under 'Terms and Conditions' after a location and vehicle are selected, but before making a reservation. moneymaxim.co.uk. Holifield, Lee, International Travel News, August 2007, p.30).

Harkin, John, International Travel News, December 2007. ^. 2006 paper description ' Important information about your Discover Platinum Card Account'.

(PDF). 10 July 2015.

This plan automatically doubles the manufacturer’s original warranty up to one additional year when you charge the full price on eligible purchases to your Busness Platinum Card. This applies to products purchased with the Card anywhere in the world, provided the manufacturer’s warranty is valid in Canada and the U.S.

And does not exceed five years. Jewelry, motorized vehicles, and their parts are excluded in this coverage. You will need approval before any repairs will be covered.

Replacement and repair costs are limited to $10,000 per eligible item up to a maximum of $25,000 per Cardmember per policy year for all occurrences combined. +Purchase Protection ® Plan 3†.

Automatically, without registration, insures your eligible purchases against accidental physical damage and theft, up to a limit of $1,000 per occurrence (not per purchased item) for 90 days from date of purchase when you charge the full purchase price to your Business Platinum Card. You can be reimbursed for insured occurrences that are not covered by any other insurance. Travel Coverage When business travel doesn't go to plan, the Business Platinum Card can help! Travelling on business can be stressful at the best of times, especially if things go wrong, or go missing. However, the Business Platinum comes with a range of travel insurance related benefits designed to take care of the unexpected – so you can take care of business.

Reducing travelers’ inconvenience of having to search for medical assistance by providing prompt worldwide access to 24/7 physician telephone consultations and arrangement of house call visits, and referral to hospitals, urgent care centers and walk-in clinics in the U.S. And Markets of Operation, as defined in the Terms and Conditions of the Program. Extended services in selected Markets of Operation include physician express triage and hospital referral, physician prescribed medications, and lost or forgotten prescription medication replacement. In addition to the services provided in select Markets of Operation, the following referral and arrangement services are also provided in the U.S.: dental and chiropractic care, medical specialist referral, eye care, and durable medical equipment rentals. For a complete list of StandbyMD’s markets of operation, please +Travel Emergency Assistance 6. AXA provides out-of-town emergency medical referrals and organizes medical visits at clinics, ERs or hospitals, according to the client’s condition.

If necessary, AXA can also organize repatriation by commercial flight or evacuation by air ambulance. Legal referrals, and important travel-specific information (such as visa requirements or customs and inoculation regulations) as well as travel assistance services (pre-trip information, lost baggage assistance) are also available by telephone, 24 hours-a-day, 7 days-a-week. From anywhere in Canada/U.S. Call 1-800-678-5523. Outside Canada/U.S.

Please call collect (514)-285-8165. +$500,000 Travel Accident Insurance 7†.

Save money when travelling with the Car Rental Theft and Damage Insurance included on your Business Platinum Card. Where allowed by law, you will be automatically covered for damage or theft of your rental car with an MSRP of up to $85,000. To take advantage of this protection, simply decline the Loss Damage Waiver (LDW) or similar option offered by the car rental company, and fully charge your rental to your Business Platinum Card.

American Express Car Rental Loss

There’s no additional charge for this coverage, and you save yourself the daily insurance fee (usually $16 to $23 per day) charged by the car rental company. For more information call 1-800-243-0198. +Lost or Stolen Baggage Insurance 9†. ™: Used by Amex Bank of Canada under license from American Express. SM StandbyMD is a Service Mark of Healthcare Concierge Services, Inc. Underwritten by AIG Insurance Company of Canada.

Underwritten by Royal & Sun Alliance Insurance Company of Canada. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in excess of any and all other applicable insurance. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Not an insurance coverage. Concierge services arranged through StandbyMD and may be subject to contractual terms and conditions of StandbyMD.

Fees may apply. Please consult your StandbyMD Terms and Conditions for full details. SMStandbyMD is a Service Mark of Healthcare Concierge Services, Inc. All rights reserved. All the services associated with the Travel Emergency Assistance are provided worldwide with the exception of some countries (it is best to check with Customer Service). In addition, services may be limited or prevented by acts of God, war, civil commotion, labour disputes, unavailability of goods or services, or refusal of permission by local authorities. Travel Accident Insurance provides automatic coverage of up to $500,000 of Accidental Death and Dismemberment Insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your Busness Platinum Card.

Use the Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they will also be covered. Spouse and dependent children (under 23) of Supplementary Cardmembers are also covered. Travel Accident Insurance is Underwritten by Chubb Life Insurance Company of Canada, Head Office in Canada: Toronto, Ontario, under Master Policy TMH600135.

Underwritten by Royal & Sun Alliance Insurance Company of Canada. Coverage is in effect as long as you have fully charged your rental to your Busness Platinum Card. There are specific conditions that apply to who may rent and drive the rental vehicle, the length of rental(s) and the type of vehicle covered.

Rental Loss Deduction Limitations

Underwritten by Royal & Sun Alliance Insurance Company of Canada. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Trips will not be covered for trip cancellation, if purchased with points (including Aeroplan miles) from a reward program other than the Membership Rewards® Program. All reward programs are governed by their own terms & conditions. Underwritten by Royal & Sun Alliance Insurance Company of Canada. Trips will not be covered for trip interruption, if purchased with points (including Aeroplan miles) from a reward program other than the Membership Rewards® Program. All reward programs are governed by their own terms & conditions.

† All insurance coverage is subject to the terms and conditions of the respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully.