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PREMIUM CAR RENTAL PROTECTION

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

Already Enrolled? View Claim Information
View Sample Description of Coverage

You can save on car rental coverage

  • Pay a flat rate per vehicle rental for up to 42 consecutive days of coverage* (not a per day rate that rental car companies may charge)**
  • Pay only when you rent using an enrolled Card Account
  • 2 coverage options available upon enrollment
  • Liability coverage not included***

Enroll Now

Enroll Now to purchase coverage
starting with your next eligible
rental

* Cost ranges from $15.95-$24.95 per rental depending on coverage option selected and state of residence. Coverage is for up to 30 consecutive days for Washington State Residents.
** Comparison based on Loss Damage Waiver and Personal Accident Insurance/Personal Effects Coverage at major car rental companies in New York, Boston, Atlanta, Los Angeles, and San Francisco as of 11/1/2014. Note: You may have to proactively decline the rental company’s benefits when you rent your vehicle to avoid overlapping benefits.
*** Uninsured motorist or disability coverage are also not included.
See additional terms and limitations below.

* Cost ranges from $15.95-$24.95 per rental depending on coverage option selected and state of residence. Coverage is for up to 30 consecutive days for Washington State Residents.
** Comparison based on Loss Damage Waiver and Personal Accident Insurance/Personal Effects Coverage at major car rental companies in New York, Boston, Atlanta, Los Angeles, and San Francisco as of 11/1/2014. Note: You may have to proactively decline the rental company’s benefits when you rent your vehicle to avoid overlapping benefits.
*** Uninsured motorist or disability coverage are also not included.
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, and your rental vehicle is damaged, you can file that claim with us first as your primary provider.

What It Offers

  • Flat rate of $19.95 / $24.95 per rental period, not per day depending on your coverage selection ($15.95 / $17.95 for CA Residents).
  • Coverage is primary for theft and damage to a Rental Vehicle. If your rental vehicle is damaged, you can file that claim with us first as your primary provider.
  • Coverage provided is not subject to a policy deductible.
  • You pay only when you rent. Your enrolled Card Account(s) will automatically be charged when used to pay for a rental vehicle 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 other eligible American Express Card Account(s) when you enroll one of your Card Account(s). (Note: not all accounts are eligible, for example Corporate Cards).
  • Coverage extends to many vehicles available from Car Rental Companies.

EXAMPLE OF $24.95 OPTION***

  • Up to $100,000 of primary coverage for damage or theft of a Rental Vehicle.
  • Up to $100,000 of Accidental Death or Dismemberment coverage ($250,000 for California Residents).****
  • Up to $15,000 for secondary medical expenses per person.
  • Up to $5,000 for secondary personal property coverage ($15,000 for Florida Residents).
  • Note: Liability coverage is not included*****

Enroll Now

Enroll Now to purchase coverage
starting with your next eligible rental

* You may cancel enrollment at any time by calling us.
** If providing benefits under this policy would violate U.S. economic or trade sanctions, then the policy would be void.
*** Lower coverage option available.
**** Coverage limit for passengers is $10,000 ($250,000 California Residents).
***** Uninsured motorist or disability coverage are also not included.

Explore the Added Value

Premium Car Rental Protection1 can offer you savings and value on your next car rental. Compare us to the insurance at the car rental counter or the Car Rental Loss & Damage Insurance2 that may be included with your eligible American Express® Card Accounts to see how we stack up.

What you get with this product1 Car Rental Loss & Damage Insurance2 that may be included with your Card Accounts
PRICE A rate of $15.95 - $24.953 per rental covers up to 42 consecutive days4. Competitor rates may range from $12 to $36 per day5. A benefit of eligible American Express® Card Accounts for no additional charge for up to 30 consecutive days.
TYPE OF COVERAGE Primary for damage to or theft of the rental vehicle6. If your rental vehicle is damaged, you can file that claim with us first as your primary provider. Secondary; pays the deductible of your personal auto insurance.
AMOUNT OF COVERAGE Up to $100,000 in coverage for damage or theft. For the higher priced option ($24.95 /$17.95 for CA Residents). Lower coverage option available. Up to $50,000 in coverage for damage or theft; Select Card Accounts7 receive up to $75,000.
WHAT IT COVERS Protects many types of vehicles, such as luxury vehicles, SUVs, and pickup trucks. Standard vehicles only. For example, excludes luxury vehicles, SUVs, and pickup trucks.
WHO IT COVERS Provides secondary medical coverage and accidental death or dismemberment coverage for drivers and passengers. Not available on most Card Accounts. Select Card Accounts receive similar coverage7.

Enroll Now

Enroll Now to purchase coverage
starting with your next eligible rental

1. Premium Car Rental Protection is underwritten by AMEX Assurance Company. See Description of Coverage for details.
2. Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0925, Policy AX0926, Policy CRLDI-AX0927, or Policy CRLDI-IND. For full Terms and Conditions, see americanexpress.com/CRLDIterms.
3. Cost ranges from $15.95-$24.95 per rental depending on coverage option selected and state of residence.
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, Boston, Atlanta, Los Angeles, and San Francisco as of 11/1/2014. Note: You may have to proactively decline these coverages when you rent your vehicle to avoid overlapping coverage.
6. This product does not include liability coverage. Uninsured motorist or disability coverage are also not included.
7. As of January 2015, includes: The Platinum, Card®, The Centurion Card®, and the Delta Reserve Credit Card®, among others.


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

If you enroll a Card Account for which you are the basic Card Member, eligible Card Accounts will be automatically enrolled. This includes 1. Any other eligible Card Account for which you are the basic Card Member; 2. Eligible Card Accounts that you apply for in the future as the basic Card Member; and 3. Additional Cards issued under your enrolled Card Accounts. The only Card Accounts that are not automatically enrolled are Corporate Cards, any Card Account issued by a third-party bank partner of American Express, and any Additional Card issued under your eligible Card Accounts which is already enrolled in this product.

Separately, if you have an Additional Card under someone else’s basic Card Account, that Additional Card will not be automatically enrolled.

If you enroll an Additional Card on a Card Account for which you are not the basic Card Member only that Additional Card will be enrolled.

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., an A.M. Best A+ rated company (2014). Coverage is determined by the terms, conditions, and exclusions of Policy AX0610 or Policy PCRP-IND and is subject to change with notice. Coverage is not available for ride-sharing companies that allow individuals to rent out their personal vehicle. 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

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.

PREMIUM CAR RENTAL PROTECTION PLAN TERMS AND CONDITIONS

SUMMARY OF TERMS AND CONDITIONS

Enrollment:
When you enroll your eligible American Express Card Account in the optional Premium Car Rental Protection plan, you automatically enroll all of your other eligible American Express Card Accounts as detailed below.

If you enroll a Card Account for which you are the basic Card Member, eligible Card Accounts will be automatically enrolled. This includes 1. Any other eligible Card Account for which you are the basic Card Member; 2. Eligible Card Accounts that you apply for in the future as the basic Card Member; and 3. Additional Cards issued under your enrolled Card Accounts. The only Card Accounts that are not automatically enrolled are Corporate Cards, any Card Account issued by a third-party bank partner of American Express, and any Additional Card issued under your eligible Card Accounts which is already enrolled in this product.

Separately, if you have an Additional Card under someone else’s basic Card Account, that Additional Card will not be automatically enrolled.

If you enroll an Additional Card on a Card Account for which you are not the basic Card Member only that Additional Card will be enrolled.

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. It does not include a company whose primary business is something other than renting cars, such as an auto body shop, truck rental company, or a moving van company. Coverage is not available for ride-sharing companies that allow individuals to rent out their personal vehicle.

The Plan can cover an eligible Rental Car for the first 42 consecutive days of a rental (30 consecutive days for Washington State 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 coverage for Liability, Uninsured or Underinsured Motorist, or Disability. Enrollment is generally available to Consumer and Small Business Card Members residing in the 50 United States of America, District of Columbia, 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. When buying insurance it’s always a good idea to review other insurance available to you, including insurance available on your credit card and at the rental counter to see how the products may work together.

Limits of Plan Coverage:

Option 1
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 secondary 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 secondary 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 coverage for Liability, Uninsured or Underinsured Motorist, or Disability.

Option 2
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 secondary 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 secondary coverage for personal property, maximum of $5,000 for all.
• This product does not include coverage for Liability, Uninsured or Underinsured Motorist, or Disability.

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

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 (e.g. car seats, GPS), 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.

Billing:
Premium will be automatically billed to your Enrolled Card Account(s) and coverage activated each time you use the Card to pay for an eligible Rental Car from an eligible Rental Company until your enrollment is terminated.

Cancellation:
You may request cancellation of your enrollment immediately or at any time thereafter 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.

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. Insurance benefits will not be available if the loss is partially or wholly attributed to pushing or towing anything. Insurance benefits will also not be provided for damage to tires unless other damage to the Rental Car occurred in the same Accident.

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. Under Accidental Death & Dismemberment coverage, depending on the severity, not all dismemberments are eligible for payment.

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 definitions, terms, conditions, and exclusions of Policy AX0610 or Policy PCRP-IND and is subject to change with notice. Coverage is not available for ride-sharing companies that allow individuals to rent out their personal vehicle. This document does not supplement or replace the Policy.

This is a summary of Premium Car Rental Protection, an optional insurance product offered through American Express Travel related Services Company Inc.. Please refer to your Plan documents for a complete description of the definitions, 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. If you do not receive a welcome kit within 10 days, please call us as this kit and the Plan Documents include the complete description of the definitions, terms, conditions, and exclusions.

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.