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PREMIUM CAR RENTAL PROTECTION

An insurance product offered by American Express Travel Related Services Company, Inc.

Already Enrolled? View Claim Information

You can save on car rental coverage

  • No cost to enroll and no deductible
  • Flat rate of $24.95* per vehicle rental for up to 42 consecutive days of coverage** when you use an enrolled Card
  • Up to $100,000 in primary theft and damage coverage (liability not included)

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*$17.95 for California Residents.
**Up to 30 consecutive days for Washington State Card Members.
See additional terms and limitations below.

*$17.95 for California Residents.
**Up to 30 consecutive days for Washington State Card Members.
See additional terms and limitations below.

NOT YOUR CAR, BUT STILL YOUR PROBLEM

Accidents take different forms, and in addition to fender benders, sometimes it is those minor damages such as scratches and dents that may end up costing you even more. When you enroll in Premium Car Rental Protection, you may be able to reduce the risk of a premium increase* with your personal insurance company because you first file a claim with us.

*There may occasionally be instances in which your personal car insurance company could still be notified, such as if you caused an accident that resulted in changes to your driving history report. See additional terms and limitations below.

What It Offers

  • One flat rate of $24.95 per rental period, not per day ($17.95 for California Residents)
  • Coverage is primary for theft and damage to a Rental Car. You won't have to first file a claim with your personal insurance company which can help reduce the risk of having your personal auto insurance premiums increase*.
  • There are no deductibles.
  • There is no cost to enroll and your Card will automatically be billed a premium when a Card on your account(s) is used to pay for a car rental until your enrollment is terminated.
  • Coverage is worldwide, except for vehicles rented in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand**.
  • Coverage is for up to 42 consecutive days (up to 30 consecutive days for Washington State Card Members).
  • Coverage automatically extends to your other eligible Accounts when you enroll one of your American Express Card Accounts (e.g. excludes Corporate Cards).
  • Covers most vehicles typically available from a Rental Company.
  • Up to $100,000 of primary coverage for damage or theft of a Rental Car.
  • Up to $100,000 of Accidental Death or Dismemberment coverage ($250,000 for California Residents)***.
  • Up to $15,000 for excess medical expenses per person.
  • Up to $5,000 for excess personal property coverage ($15,000 for Florida Residents).
  • Note: Liability is not included.

Enroll Now

*There may occasionally be instances in which your personal car insurance company could still be notified, such as if you caused an accident that resulted in changes to your driving history report.
**Please note that in the event any coverage provided by this policy would be in violation of US economic or trade sanctions, such coverage shall be null and void.
***Coverage limit for passengers is $10,000 ($250,000 California Residents).
See additional terms and limitations below.

How It Works

  1. Enroll your American Express® Cards in Premium Car Rental Protection—enrollment is quick, and there's no cost to enroll.

  2. You can decline the rental company's Collision Damage Waiver, Personal Effects Coverage and Personal Accident Insurance when you rent a car with one of your enrolled Cards. Note: Liability is not included.

  3. Each time you rent a car with an enrolled Card, your Card will be charged a flat rate of $24.95* for the duration of your rental, up to 42 consecutive days (30 days for Washington State Residents).

    *$17.95 for California Residents. See additional terms and limitations below.

Enroll Now

Compare & Save

Premium Car Rental Protection1 can offer you savings and value on your next car rental. Compare us to your personal auto insurance or the Car Rental Loss & Damage Insurance2 built into eligible American Express® Cards to see how we stack up.

What you get with this product Car Rental Loss & Damage Insurance2 that may be included with your Card
Price A rate of $24.953 per rental covers up to 42 consecutive days4. Competitor rates may range from $12 to $34 per day.5 A benefit of eligible American Express® Cards for no additional charge for up to 30 days.
Type of Coverage Primary for damage to or theft of the rental vehicle6; no need to first file a claim with your personal insurance company7. Secondary; pay the deductible of your personal insurance, and your rates may also increase7.
Amount of Coverage Up to $100,000 in coverage for damage or theft. Up to $50,000 in coverage for damage or theft; Platinum Card® Members receive up to $75,000.
What it Covers Protects many types of vehicles, such as luxury vehicles, SUVs, and pickup trucks. Standard vehicles only. Excludes, but not limited to, luxury vehicles, SUVs, and pickup trucks.
Who it Covers Provides excess medical coverage and accidental death or dismemberment coverage for drivers and passengers. Provides accidental death or dismemberment to Platinum Card® Members only.

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1. Premium Car Rental Protection is underwritten by AMEX Assurance Company
2. Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0925, Policy AX0926, Policy CRLDI-AX0927, or Policy CRLDI-IND and is subject to change with notice. This document does not supplement or replace the Policy. For more information, see www.americanexpress.com/crldi.
3. $17.95 for California Residents.
4. Up to 30 consecutive days for Washington State Card Members.
5. Rates based on Loss Damage Waiver and Personal Accident Insurance/Personal Effects Coverage for a full size sedan at top car rental companies in New York and Boston as of 5/23/2013.
6. This product does not include liability coverage.
7. There may occasionally be some instances in which your personal car insurance company could still be notified, such as if you caused an accident that resulted in changes to your driving history report.
See additional terms and limitations below.

Offered by American Express Travel Related Services Company, Inc


To Enroll: 1-866-518-0259  |  Claims: 1-800-326-2078

Whenever you enroll one American Express Card in the Premium Car Rental Protection plan, you automatically enroll all of your other American Express Card accounts. You also automatically enroll any Additional Cards that you have on those accounts. If the Card you enroll is an Additional Card issued to you on someone else's account, no other Cards or Card Accounts will be automatically enrolled.

In the future, if you open any new Card accounts or if you add any Additional Card Members to those accounts, we will also automatically enroll those Cards in the plan.

The only Cards that are not enrolled are Corporate Cards, Additional Cards issued to you on someone else's account, and any Card issued by a third-party bank partner of American Express. Also, if you have a Card that was already enrolled in this plan, that Card is covered under a separate plan. You cannot add that Card to this plan.

This product may not be available to residents of certain states. This plan is offered by American Express Travel Related Services Company Inc. California license number 0649234, New York license numbers LA-650051 and PC-650051. In Rhode Island, Pamela J. Clarke, license #2002276. In Tennessee, Pamela J. Clarke, license #905606.

Enrollment is limited to permanent residents of the 50 United States, D.C., Puerto Rico or the US Virgin Islands.

UNDERWRITER

Premium Car Rental Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0610 or Policy PCRP-IND and is subject to change with notice. This document does not supplement or replace the Policy.

American Express Travel Related Services Company Inc., a licensed insurance producer, will provide services to you as a representative of and on behalf of AMEX Assurance Company and will receive compensation from AMEX Assurance Company in connection with the placement of insurance. When identifying insurance products that may be of interest to you, American Express and its affiliates may also receive compensation or additional financial benefit when AMEX Assurance Company or another American Express entity acts as the insurer, reinsurer or intermediary for these products. The insurance producer will not receive compensation based on the sale of insurance coverage from AMEX Assurance Company or any third party.


PREMIUM CAR RENTAL PROTECTION DETAILS

Premium Car Rental Protection (PCRP) is an insurance product offered by American Express® Travel Related Services Company, Inc. to help protect American Express Card Members and Passengers when the Card Member uses an enrolled Card to pay for a Car Rental from a Rental Company. Coverage includes 1) reimbursement for damage to or theft of the Rental Auto and personal property, and 2) medical expenses and death and dismemberment benefits for Covered Persons resulting from a Covered Accident. Coverage is worldwide except for vehicles rented in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand or anywhere coverage would be in violation of U.S. economic or trade sanctions.

This coverage provides benefits in addition to those that may be available to you at no additional charge when you use your American Express Card.

Enrollment is available to Consumer and Small Business Card Members residing in the 50 United States, D.C., Puerto Rico or US Virgin Islands. Corporate Card Members are not eligible.

What the Plan Covers
The $100,000 coverage level with a premium of $24.95 ($17.95 for California Residents) covers:
• Up to $100,000 of primary damage and theft coverage for the rental car.
• Up to $100,000 of Accidental Death and Dismemberment (AD&D) coverage ($250,000 for California Residents).

• Up to $10,000 of AD&D coverage per passenger ($40,000 for Florida Residents and $250,000 for California Residents).
• Up to $15,000 per person of excess coverage for Medical Expenses.
• Up to a maximum of $300,000 combined medical and AD&D coverage per car ($500,000 for California Residents).

• Up to $5,000 per person of excess coverage for personal property, maximum of $10,000 for all. (Up to $15,000 per person, maximum of $25,000 for Florida Residents).
•This product does not include liability coverage.

The $75,000 coverage level with a premium of $19.95 ($15.95 for California Residents) covers:
• Up to $75,000 of primary damage and theft coverage for the rental car.
• Up to $75,000 of Accidental Death and Dismemberment (AD&D) coverage. ($150,000 for California Residents).

• Up to $7,500 of AD&D coverage per passenger ($150,000 for California Residents).
• Up to $7,500 per person of excess coverage for Medical Expenses.

• Up to a maximum of $200,000 combined medical and AD&D coverage per car ($350,000 for California Residents).
• Up to $2,500 per person of excess coverage for personal property, maximum of $5,000 for all.
• This product does not include liability coverage.

Premiums/Billing and Refunds
There is no cost to enroll in Premium Car Rental Protection, and there are no monthly, annual, or cancellation fees. A flat rate of $19.95 or $24.95 per rental ($15.95 or $17.95 per rental for California residents) will be automatically charged to your enrolled American Express Cards each time you use the card to pay for a rental car, until coverage is terminated. The flat rate covers the duration of the rental, for up to 42 consecutive days (up to 30 consecutive days for Washington Card Members).

If premium charges are billed to your Enrolled Cards in error, such as a cancelled rental, no show, or other charges unrelated to the actual car rental, please contact us for a refund by calling the number on the back of your card or by filling out the refund form included with your billing statement. If you cancel a refundable car-rental reservation, the premium billed will automatically be refunded to you. This credit will appear on the statement along with the credited car-rental reservation or on the following statement.

Vehicles Covered by the Plan
The Plan can cover most vehicles typically available from a Rental Company, from smaller economy sizes to large luxury sedans, convertibles, exotic cars (worth more than $50,000), minivans, vans, pickup trucks, and full-sized SUVs. The vehicle must be rented from a Rental Company, which is a commercial rental agency that rents passenger-type motor vehicles, but it does not include a company whose primary business is something other than renting cars, such as an auto body shop or a moving van company. Excluded vehicles include: automobiles that have been customized or modified from the manufacturer's factory specifications, except for driver's assistance equipment for the physically challenged; any rented vehicle used for hire or commercial purposes; antique cars (cars over 20 years old or cars that have not been manufactured for over 10 years); limousines; and off-road vehicles, motorcycles, motorbikes, mopeds, recreational vehicles, golf or motorized carts, campers, moving trucks or moving vans, and trailers. Vehicles covered may vary by state. Please see your Plan documents.

Determining coverage of personal car insurance or business insurance
It's possible that a Card Member's personal car insurance or business insurance might cover these types of losses. However, here are a few things to keep in mind:
• Premium Car Rental Protection is primary insurance of theft of and damage to the rented vehicle, which means enrollees won't have to use their own insurance first, or pay a deductible. Please note, there may occasionally be some instances in which your personal car insurance company could still be notified, such as if you caused an accident that resulted in changes to your driving history report.
• Also, insurance policies often vary in their coverage of rental cars, or out-of-state or international driving. Card Members should check personal policies carefully to see whether they're covered for rental cars. But this plan covers enrollees for cars rented anywhere in the world except Australia, Ireland, Israel, Italy, Jamaica, and New Zealand or in any instance that would be in violation of U.S. economic or trade sanctions.

Coverage is automatically extended to other American Express Cards
Whenever you enroll one American Express card in the Premium Car Rental Protection plan, you automatically enroll all of your other American Express Card accounts. You also automatically enroll any additional cards that you have on those accounts. If the Card you enroll is an additional card issued to you on someone else's account, no other Cards or Card Accounts will be automatically enrolled.

In the future, if you open any new card accounts or if you add any additional Card Members to those accounts, we will also automatically enroll those cards in the plan.

The only cards that are not enrolled are corporate cards, additional cards issued to you on someone else's account, and any card issued by a third-party bank partner of American Express. Also, if you have a card that was already enrolled in this plan, that card is covered under a separate plan. You cannot add that card to this plan.

Provider of Premium Car Rental Protection
Premium Car Rental Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0610 or Policy PCRP-IND and is subject to change with notice. This document does not supplement or replace the Policy.

American Express Travel Related Services Company Inc., a licensed insurance producer, will provide services to you as a representative of and on behalf of AMEX Assurance Company and will receive compensation from AMEX Assurance Company in connection with the placement of insurance. When identifying insurance products that may be of interest to you, American Express and its affiliates may also receive compensation or additional financial benefit when AMEX Assurance Company or another American Express entity acts as the insurer, reinsurer or intermediary for these products. The insurance producer will not receive compensation based on the sale of insurance coverage from AMEX Assurance Company or any third party.

PREMIUM CAR RENTAL PROTECTION PLAN TERMS AND CONDITIONS

SUMMARY OF TERMS AND CONDITIONS

Whenever you enroll one American Express card in the Premium Car Rental Protection plan, you automatically enroll all of your other American Express Card accounts. You also automatically enroll any additional cards that you have on those accounts. If the Card you enroll is an additional card issued to you on someone else's account, no other Cards or Card Accounts will be automatically enrolled.

In the future, if you open any new card accounts or if you add any additional Card Members to those accounts, we will also automatically enroll those cards in the plan.

The only cards that are not enrolled are corporate cards, additional cards issued to you on someone else's account, and any card issued by a third-party bank partner of American Express. Also, if you have a card that was already enrolled in this plan, that card is covered under a separate plan. You cannot add that card to this plan.

Covered Persons:
When the Card Member enrolls, Covered Persons under the Plan include you, the Card Member, and any Passenger, including any Authorized Driver, Boarding, sitting in, riding in, or Alighting from the Rental Car.

Coverage
Premium Car Rental Protection can provide coverage for 1) reimbursement for Damage to or Theft of the Rental Auto and Personal Property, and 2) medical expense and Accidental Death and Dismemberment benefits resulting from a covered Accident. The vehicle must be rented from a Rental Company, which is a commercial rental agency whose primary business is renting passenger type motor vehicles, but it does not include a company whose primary business is something other than renting cars, such as an auto body shop or a moving van company.

The Plan can cover an eligible Rental Car for the first 42 consecutive days (30 consecutive days for Washington Card Members) as long as the Card Member remains in Possession of the Rental Car. Coverage is provided anywhere in the world except in Australia, Ireland, Israel, Italy, Jamaica, New Zealand or in any instance where coverage would be in violation of U.S. economic or trade sanctions. This product does not include liability coverage. Enrollment is available to Consumer and Small Business Card Members residing in the 50 United States of America, D.C., Puerto Rico or US Virgin Islands. This product may not be available to residents of certain states.

This coverage provides benefits in addition to those that may be available to you at no additional charge when you use your American Express card.

Limits of Plan Coverage
The $100,000 coverage level with a premium of $24.95 ($17.95 for California Residents) covers:
• Up to $100,000 of primary damage and theft coverage for the rental car.
• Up to $100,000 of Accidental Death and Dismemberment (AD&D) coverage ($250,000 for California Residents).

• Up to $10,000 of AD&D coverage per passenger ($40,000 for Florida Residents and $250,000 for California Residents).
• Up to $15,000 per person of excess coverage for Medical Expenses.
• Up to a maximum of $300,000 combined medical and AD&D coverage per car ($500,000 for California Residents).

• Up to $5,000 per person of excess coverage for personal property, maximum of $10,000 for all. (Up to $15,000 per person, maximum of $25,000 for Florida Residents).
• This product does not include liability coverage.

The $75,000 coverage level with a premium of $19.95 ($15.95 for California Residents) covers:
• Up to $75,000 of primary damage and theft coverage for the rental car.
• Up to $75,000 of Accidental Death and Dismemberment (AD&D) coverage. ($150,000 for California Residents)

• Up to $7,500 of AD&D coverage per passenger ($150,000 for California Residents)
• Up to $7,500 per person of excess coverage for Medical Expenses.

• Up to a maximum of $200,000 combined medical and AD&D coverage per car ($350,000 for California Residents)
• Up to $2,500 per person of excess coverage for personal property, maximum of $5,000 for all.
• This product does not include liability coverage.

Refunds
If premium charges are billed to your Enrolled Card in error, such as a cancelled rental, no show, or other charges unrelated to the actual car rental, please contact us for a refund by calling the number on the back of your card or by filling out the refund form included with your billing statement.

If you cancel a refundable car rental reservation, the premium billed will automatically be refunded to you. This credit will appear on the statement along with the credited car rental reservation or on the following statement.

Billing
Premium will be automatically billed to your Enrolled Card and coverage activated each time you use the Card to pay for a Rental Car from a Rental Company until your enrollment is terminated.

Beneficiary
You may name or change your beneficiary at any time. If you do not name a beneficiary, benefits will be paid according to the terms of the Policy.

Exclusions
Premium Car Rental Protection excludes certain vehicles, items, and actions from coverage.

Excluded vehicles include: automobiles that have been customized or modified from the manufacturer's factory specifications, except for driver's assistance equipment for the physically challenged; any rented vehicle used for hire or commercial purposes; antique cars (cars over 20 years old or cars that have not been manufactured for over 10 years); limousines; off-road vehicles, motorcycles, motorbikes, mopeds, recreational vehicles, golf or motorized carts, campers, moving trucks or moving vans, and trailers.

Coverage may be subject to exclusions and limitations including certain exclusions related to pre-existing conditions. The exclusions and limitations may reduce the levels of coverage available to you.

Please refer to your Plan documents for a complete description of the coverage exclusions.

Underwriter
Premium Car Rental Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0610 or Policy PCRP-IND and is subject to change with notice. This document does not supplement or replace the Policy.

This is a summary of Premium Car Rental Protection. Please refer to your Plan documents for a complete description of the terms, conditions, and exclusions.

Enrollment becomes effective when AMEX Assurance Company receives, accepts, and validates Your Enrollment Request Form. This means your enrollment is effective once you reach the confirmation page of this online enrollment process. Approximately 7-10 days after your enrollment is processed, you will receive your welcome kit as verification, which includes your Plan documents. You may terminate your coverage at any time by means of written notice to American Express at American Express Company, P.O. Box 981525, El Paso, TX 79998-1525 or verbal notice by calling the number on the back of your Card in advance of the intended termination date.

American Express Travel Related Services Company Inc., a licensed insurance producer, will provide services to you as a representative of and on behalf of AMEX Assurance Company and will receive compensation from AMEX Assurance Company in connection with the placement of insurance. When identifying insurance products that may be of interest to you, American Express and its affiliates may also receive compensation or additional financial benefit when AMEX Assurance Company or another American Express entity acts as the insurer, reinsurer or intermediary for these products. The insurance producer will not receive compensation based on the sale of insurance coverage from AMEX Assurance Company or any third party.