AMEX Car Rental Insurance Coverage and Limitations
PUBLISHED ON Jan, 12 2025
UPDATED ON Apr, 15 2026
Start Your Engines: Understanding AmEx Car Rental Coverage
Rev Up with the Basics of AmEx Rental Insurance
If you’re setting off on a road trip or vacation and planning to rent a car, it’s essential to understand your insurance options. With American Express, you’re offered a chance to ramp up your coverage beyond what’s typical. By enrolling in the Premium Car Rental Protection program, they provide comprehensive coverage that can cover damage or theft of the rental vehicle, and it activates as primary insurance, stepping in before your personal auto insurance.
Comparison Chart: Rental Car Insurance Options
| Feature | Rental Company Insurance | Personal Auto Insurance | Credit Card Coverage | Third-Party Insurance |
| Coverage Type | Collision, liability, theft, and personal accident | Typically collision, liability, and comprehensive | Collision Damage Waiver (CDW) and theft protection | Customizable (collision, liability, theft, etc.) |
| Primary/Secondary | Primary | Primary | Usually secondary (can be primary with some cards) | Primary or secondary (depends on policy) |
| Cost | $10–$40/day | Included in existing premium | Typically free with eligible cards | Varies ($5–$20/day or flat fee for trip duration) |
| Claim Process | Handled directly by rental company | File claim through personal insurance provider | File claim with credit card issuer | File claim with third-party provider |
| Deductibles | None (varies by company) | Depends on personal policy | No deductible (varies by issuer) | Depends on provider and policy |
| Coverage for Luxury/Exotic Cars | Often excluded | Often excluded | Usually excluded | Some providers offer luxury car options |
| International Coverage | Typically available but varies by location | Rarely available | Often available but country restrictions apply | Frequently available |
| Liability Coverage | Included or additional cost | Included in personal policy (within limits) | Not included | Included in certain policies |
| Other Vehicle Types | May include trucks, SUVs, vans, etc. | Covers personal-use vehicles (excludes commercial) | Typically excludes larger or specialty vehicles | Customizable for broader vehicle types |
| Ease of Use | Simple and immediate coverage at rental counter | Automatic with personal coverage | Activation requires card usage and declining CDW | Depends on provider and policy |
See How Much You Can Save on Your Car Hire Excess Insurance
Get StartedKey Cards in the Driver’s Seat: Which AmEx Offer Coverage
American Express is known for its prestigious collection of cards, many of which come bundled with rental car insurance, ensuring you’re well-equipped for your journey. A highlight reel of these cards includes:
The Platinum Card® from American Express, noted for its travel benefits; the American Express® Gold Card, balancing travel perks with dining rewards; and specialized options like the Delta SkyMiles® Platinum American Express Card for frequent flyers or the Hilton Honors American Express Surpass® Card for those dedicated to a specific hospitality chain.
For the business traveler, The Blue Business® Plus Credit Card from American Express might be more appropriate, while travelers focused on hotel rewards might opt for the Marriott Bonvoy Brilliant® American Express® Card or the newer Marriott Bonvoy Bevy™ American Express® Card. All these cards bring car rental insurance to the table, with terms varying per card so you should check the individual benefits guide to see the specifics.
Card | Coverage type | Coverage amount | Length of coverage | Annual fee |
Secondary | Up to $75,000 | Up to 30 consecutive days | $695 | |
Secondary | Up to $50,000 | Up to 30 consecutive days | $325 | |
Secondary | Up to $50,000 | Up to 30 consecutive days | $0 |
Navigating the Coverage Roadmap
Collision Damage Waiver (CDW): The Shield Against Bumps and Bruises
Embarking on a trip with a rental car often includes facing a barrage of insurance acronyms at the rental desk. CDW, or Collision Damage Waiver, is one you’ll frequently encounter. It’s essentially a waiver of financial responsibility should your rental car get damaged or stolen. When you decline the rental company’s CDW because you’re using an eligible AmEx card, you’re saying “no thanks” to their coverage on the premise that your AmEx has your back.
A primary perk of AmEx’s coverage is that it’s secondary, which means it kicks in after other forms of insurance. However, if you lack personal auto insurance or you’re renting internationally (where your personal policy might not be valid), it effectively acts as your primary. Rates for CDW can vary, and often the decision to rely on AmEx’s protection comes down to both the potential savings and the convenience of having a trusted name behind you should a mishap occur.
Beneficially, AmEx’s policy also includes loss-of-use charges, typically not covered under personal auto insurance. That’s the fee rental agencies charge for the revenue they lose while a damaged car is being repaired and isn’t available for rental.
Theft Protection: Safeguarding Your Ride from Unauthorized Detours
Theft protection in rental car insurance acts like a watchful guardian over your temporary set of wheels. If you’ve ever fretted over the thought of your rental car being stolen, you’d appreciate knowing that American Express’ rental coverage extends to theft protection as part of the benefits—saving you from the cost of replacing a stolen rental.
With this protection, you can adventure a bit more freely, knowing that if the unexpected happens, your insurance can help recover the financial loss of the stolen vehicle. Just make sure you keep all the paperwork in order, report the incident promptly, and follow all the necessary procedures for filing a claim.
Remember to be aware of the contents of your car since personal items may not be covered. Nonetheless, theft protection can add a layer of security and confidence as you navigate new locales in your rental car.
Dodging Potholes: Limitations and Exclusions of AmEx Coverage
Off-Roading Restrictions: What’s Not Covered by Your Policy
While your American Express Car Rental Insurance is comprehensive, it’s not an all-terrain vehicle when it comes to the coverage landscape. There are particular circumstances and vehicle types that venture beyond the boundaries of your policy.
Remember, insurance is a bit like a safety net for your finances during vehicular mishaps, but not all nets are created equal. For example, the adventurous spirit in you might be drawn to rugged off-road excursions, but if the journey involves an off-road vehicle like a dirt bike or ATV, that’s where AmEx shakes its head. Limos for that grand event, box trucks for moving days, and that vintage car you may eye for a Sunday drive – if it’s over 20 years old, they’re all off the coverage path.
Another roadblock could come in the form of behavior at the wheel. If you treat your rental like a racecar, leave it unlocked with belongings inside, or break the rental agreement in any way (even if it’s unintentionally), the coverage can be voided.
In a nutshell, if you’re planning to use the rental for something that feels like it should be in an action movie or if it drifts into specialized or aged vehicle territory, double-check the policy or consider additional insurance.
When Additional Insurance Might Be Necessary
There are times when the open road brings more questions than answers, particularly when it comes to insurance. Your American Express Card provides a robust layer of coverage, but it’s not always the full armor you might need.
If you find yourself in a special rental situation, like needing coverage for other drivers, requiring liability insurance for damage to other vehicles and property, or health-related expenses following a rental car accident, you might need to steer towards the rental agency’s additional policies. These can offer the extra protection where your AmEx might fall short.
In cases where your travel takes you across countries where the AmEx policy is void or when renting an excluded class of vehicle, the agency’s insurance becomes indispensable. Sometimes, personal comfort with risk also plays a role—if the idea of any gap in coverage makes you uneasy, it might be worth exploring additional options.
Ultimately, they say it’s better to have it and not need it than need it and not have it. The same can apply to rental car insurance, so considering your itinerary, the rental vehicle, and potential risks can help you decide whether additional insurance is worth the investment.
How does CarInsuRent differ from AMEX Rental Car Insurance?
Coverage Type
When comparing CarInsuRent with AMEX Rental Car Insurance, they each offer distinct coverage types. AMEX provides a Rental Collision Policy that typically functions as secondary coverage. It may become primary if you don’t have personal auto insurance. The policy generally includes collision damage and theft protection, along with secondary benefits like towing and loss-of-use fees.
CarInsuRent provides standalone car hire excess insurance, covering the excess amount charged by car rental companies if the vehicle is damaged or stolen. This is primary coverage that kicks in first, reducing your out-of-pocket expenses.
Choosing between AMEX and CarInsuRent will often depend on the coverage depth you’re comfortable with and whether you seek a more comprehensive policy that could include liability or personal effects.
Scope of Coverage
The scope of coverage can be thought of as the geographical and situational reach of your insurance safety net. AMEX rental car insurance typically blankets most countries but casts shadows over others due to local laws or risks—Australia, Italy, and New Zealand, for instance, are not covered. Your American Express policy is well-suited for occasional travelers who usually embark on standard trips and drive common vehicle types.
On the flip side, CarInsuRent may have a more flexible global scope, potentially filling in the gaps where AMEX doesn’t reach. However, specifics can vary greatly, so it’s crucial to check the fine print. Especially if globetrotting to more exotic or less commonly visited destinations is your jam, CarInsuRent could offer a wider safety net.
Your choice between AMEX and CarInsuRent may boil down to where you’re going and what kind of vehicle you’ll be using—after all, insurance should be a passport to peace of mind, wherever the road takes you.
Vehicle Type
Your choice of chariot for your travels also dictates whether AMEX or CarInsuRent will best serve your needs. AMEX plays it fairly safe with the types of rental vehicles covered—think standard cars, SUVs, and even pickup trucks for that country road jaunt. But if you’re dreaming of handling campervans or motorhomes, AMEX backs away from coverage.
Now, CarInsuRent welcomes those vehicles that AMEX declines to cover, including the more luxury or sports wheels. So, if you’re renting something out of the ordinary, CarInsuRent could be your key to ensuring that your eclectic taste in rentals is matched with appropriate coverage.
Cost
When planning your budget for the rental adventure, cost weighs heavily in your decisions. AMEX Car Rental Insurance prides itself on affordability, usually charging a flat rate for coverage which then spans a consecutive rental period of up to 42 days. This could be a cost-effective option if you only require coverage occasionally and for shorter trips.
In contrast, CarInsuRent typically provide a daily rate that can add up but might offer a broader spectrum of coverage with the possibility of including liability and personal effects. Depending on the length and nature of your trip, benefits might outweigh costs.
Claim Process
When the rubber meets the road, and you face a bump, knowing the claim process can streamline your recovery from any mishaps. AMEX has built a reputation for a straightforward, user-friendly claim process—you can initiate your claim online or over the phone, provide the required documents, and typically expect resolution within 30 days after providing satisfactory proof of loss.
Filing a claim using your credit card rental car insurance usually requires you to claim from your primary auto insurance first and then cover the remaining amount through the credit card insurance, which can be cumbersome and might affect your personal insurance rates. According to the Points Guy, they received an alarming number of emails complaining about credit card rental car insurance claims, often telling a similar story: The claim has been submitted and has gotten stuck in a loop of asking for the same documents repeatedly with seemingly no way to move forward. Your cardmember rental car insurance benefits are worthwhile only when they function as advertised. After understanding what’s covered, what isn’t and others’ experiences, you can decide whether to rely on the insurance benefits from your credit card or purchase a separate policy.
CarInsuRent allows you to claim directly without involving your personal auto insurance, preventing potential premium increases.
Ultimately, the ease of filing a claim and getting reimbursed is as significant as the initial cost when choosing your insurance provider. Your post-accident experience should be stress-free, with a provider that handles claims efficiently and empathetically.
Duration and Flexibility
The open road is all about freedom, and flexibility in insurance mirrors that spirit of adventure. With AMEX, there is a clear-cut path with coverage duration—benefits extend up to 42 consecutive days, or 30 days for Washington State Residents. This set period provides ample time for most trips and is particularly convenient for longer vacations or business travel.
Meanwhile, CarInsuRent, usually offers daily rates that can be ideal for shorter trips or when you need coverage on a day-by-day basis. This can give you the liberty to tailor your protection precisely to your rental period, potentially saving money on shorter rentals but possibly costing more on longer hires.
Consider that fixed timelines offer simplicity, but if unpredictability is the only predictable element of your travel plans, the versatility of a daily plan that aligns with your needs might be more valuable to you.
See How Much You Can Save on Your Car Hire Excess Insurance
Get StartedFueling Your Trip: How to Activate AmEx Car Rental Insurance
Steering Through the Activation Process
Nudging the ignition on your AMEX car rental insurance is simple—usually, it’s all about using your card to reserve and pay for the rental. Once you’ve swiped or inserted your AMEX card, you’ve essentially prompted the policy to wake up and step into the passenger seat, ready to accompany you on your journey.
Before you even start the engine, remember to decline the rental company’s collision insurance; this gesture hands over the driving duties to your AMEX policy. Also, ensure all drivers registered for the rental are listed on the rental agreement. For the enhanced Premium Car Rental Protection, you’ll need to enroll your AMEX card in advance; then, protections accompany your travels automatically at a flat rate for every rental charged to the card.
The convenience of activation means you spend less time at the rental counter and more time enjoying your trip. With a few conscious moves, you can transition smoothly from planning to protected road tripping.
Pit Stops Required: Understanding Eligibility and Exclusions
Before you zip away on your rental expedition, it’s wise to make a pit stop at the small print station. Knowing the ins and outs of your AMEX rental car insurance policy is vital—you don’t want any unexpected bumps to leave a dent in your wallet.
Firstly, check that your card offers coverage and that your account is in good standing. Look for any country-specific restrictions and remember that longer rentals exceeding 42 consecutive days, or 30 in Washington State, are not eligible. Moreover, not all vehicles are in the race—those vintage wheels, box trucks, and motorcycles are pit row, not starting grid.
Always review the exclusions like the usual wear and tear, tire damage not coinciding with theft or an accident, or any damage occurring during an off-road adventure. Also, don’t overlook the requisite actions like declining the rental company’s insurance and enrolling in the Premium Car Rental Protection plan if you yearn for broader coverage.
Treating this like your pre-trip vehicle inspection can help you navigate your coverage confidently, ensuring no hidden clauses slow your journey.
Emergency Breakdown: Filing a Claim with AmEx
Damage Control: Steps to File a Claim Successfully
Navigating the aftermath of an incident can be stressful, but with a clear road map for filing your claim with AmEx, you can steer through the process with ease. Begin by contacting your card issuer as soon as possible to report the incident, ideally within the first 30 days following the loss. It’s crucial to keep a tight grip on all necessary documents, like the rental agreement, damage report, and any photographs of the damages. If another vehicle or property is involved, or if the car has been stolen, you’ll also need the police report.
Next, collect all the paperwork for your claim. This includes an itemized repair estimate along with the billing, any relevant charge slips, police reports, your driver’s license, and proof of personal insurance, or, alternatively, a notarized statement if you don’t carry any. Submit your claim through AmEx’s online portal or over the phone by calling the AmEx Global Assist Hotline.
After wrapping up these steps and submitting the proof of loss within 60 days of the incident, you can expect to hear back about your claim usually within 30 days, as AmEx processes your documentation and moves to settle your claim.
Following a systematic approach ensures you manage your claim efficiently, allowing you to shift your focus from mishap back to your road trip.
Keeping Time on Your Side: Knowing the Claim Submission Deadlines
Time is of the essence when it comes to filing your insurance claim. You don’t want the clock working against you, so being prompt is imperative. With AMEX car rental insurance, the gears start turning upon the unfortunate event of a rental car mishap, and you need to file a Notice of Claim promptly—ideally within 30 days of the incident. This quick action ensures that your coverage doesn’t slip into a blind spot.
Then, there’s a countdown for the next phase: completing and returning any required claim forms. If forms are sent your way, a 15-day window is your frame to cross the next finish line. But if for some reason you don’t receive them, don’t let detours slow you down. Prepare a detailed account of the incident in a letter and submit it.
Lastly, the proof of your declared loss should be in AMEX’s hands within 60 days of the incident. Proper documentation—think repair bills, rental agreements, and, when applicable, police reports—form the backbone of your proof.
Since each minute counts, keeping these timeframes on your dashboard will help you navigate the claims process smoothly and expedite your way to a resolution, letting you get back to cruising in life’s fast lane.
FAQs
How Do I Know if My American Express Card Offers Rental Car Coverage?
To find out if your American Express card comes with rental car coverage, look through your card’s benefits guide, which outlines the ins and outs of your card’s features. Another way to check is by logging into your American Express account online, navigating through the ‘Rewards and Benefits’ to the ‘Benefits’ section, and looking for car rental insurance information. If in doubt, a direct call to the number on the back of your card is a reliable route to get all your questions answered.
Does AmEx Car Rental Insurance Provide Primary or Secondary Coverage?
American Express car rental insurance typically provides secondary coverage, which means it kicks in after any other insurance you have. However, it can act as primary insurance if you don’t have personal car insurance or if you’re renting a car outside of your personal insurance’s coverage area. Remember to check the terms for your specific AMEX card.
Are There Any Countries Where AmEx Car Rental Coverage Is Invalid?
Yes, American Express rental car insurance isn’t valid everywhere. Countries like Australia, Italy, and New Zealand, along with others that may be subject to sanctions by the Office of Foreign Assets Control, are not covered. It’s best to review the terms or contact AMEX directly for the latest information before you travel.
What Types of Vehicles Are Excluded from AmEx Rental Coverage?
Several vehicle types are excluded from AMEX rental car coverage, including cargo vans, custom vans, vans seating more than eight people, cars over 20 years old, limos, off-road vehicles, motorcycles, mopeds, RVs, golf carts, campers, trailers, trucks weighing over 10,000 pounds, and vehicles used for commercial purposes. Always check your card’s benefits guide for the most up-to-date exclusions list.
Does AmEx car rental insurance cover spouse?
Yes, American Express car rental insurance generally covers the card member, their spouse or domestic partner, and any authorized drivers listed on the rental agreement, provided the car was rented with the AmEx card and all other requirements are met. Always verify the specifics within your card member agreement.
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Relying on Amex’s standard coverage is a massive gamble.
I rented a car through Hertz using my Amex Platinum and the corporate code. I drove straight from my origin to the drop-off point, only stopping once for a quick bite to eat. The whole rental lasted maybe four hours.
When I went to return the car, the attendant asked me what happened. I stepped out, and the entire passenger side was completely smashed. Someone must have hit-and-run the car in the restaurant parking lot while I was inside.
Hertz immediately demanded my personal insurance info. When I called American Express thinking my $695 ‘premium’ Platinum card would protect me, I got a rude awakening. Because Amex only offers secondary coverage by default, they refused to handle Hertz directly. They are forcing me to file a claim against my personal auto insurance first. Amex will only step in to cover my personal deductible and loss-of-use fees after my personal policy pays out.
Now my personal insurance rates are at risk of skyrocketing over a hit-and-run I didn’t even commit, all because I trusted Amex’s luxury marketing.
Lesson learned the hard way.
That’s a genuinely awful situation — a hit-and-run you had no control over, and the card you paid nearly $700 a year for pushes the claim onto your personal policy. This is one of the most important distinctions in travel insurance that card marketing consistently obscures: secondary coverage sounds fine until it isn’t, and “secondary” in practice means your personal insurer absorbs the claim and your rates potentially suffer for it. For anyone reading this: if keeping rental claims off your personal auto policy matters to you, primary coverage is the only version that actually does that — whether through a card that offers it explicitly, or through a standalone excess policy. Sorry this happened.
I always assumed my American Express Platinum Card had my back given the steep annual fee. Instead, I found out their default policy is strictly secondary coverage. They forced me to file a claim against my personal auto insurance first, which completely defeated the purpose of using a ‘premium’ travel card.
My personal premiums are now at risk of spiking because of a minor scratch on a weekend trip.
I recently learned this the hard way after a minor dent on a rental car.
This is a common and frustrating gap – “premium” doesn’t always mean primary.
Many travelers don’t realize this until they need to claim. A standalone primary excess policy avoids touching your personal auto premiums entirely.
That’s why many travelers purchase CarInsuRent.
Just wrapped up a week in Italy. While waiting at the rental car counter, I learned the Amex Platinum rental car insurance coverage does not apply in Italy (and likely other European/non-US countries).
This catches a lot of travelers out, unfortunately – many premium US cards, including Amex Platinum, have specific country exclusions or only offer secondary coverage outside the US, and Italy is one of the more commonly excluded destinations. It’s always worth calling the benefits administrator before traveling rather than assuming coverage based on the card’s general marketing. This is exactly the kind of gap a standalone excess policy is designed to fill.
This will be my first time doing a rental. I booked a rental through Enterprise and denied all insurances and add ons for now. I also read somewhere that my personal progressive policy might cover this as well so I am confused if I need additional insurance or not.
Thanks in advance.
Welcome to rental car insurance confusion — you’re definitely not alone, and it’s worth getting clarity before you drive away.
On your Progressive policy:
Progressive personal auto policies often do extend to rental cars — but with important conditions:
It typically applies to domestic US rentals only
Your personal deductible applies — so if you have a $1,000 deductible and there’s $800 in damage, you pay all of it
Any claim goes through your personal policy and affects your no-claims discount and future premiums
Call Progressive directly and ask specifically: “Does my policy cover rental car collision damage, and is there any situation where it wouldn’t apply to this rental?” — get written confirmation
What Enterprise will offer you at the counter:
* LDW (Loss Damage Waiver) — covers damage to the rental car, typically $25–$35/day
* SLI (Supplemental Liability Insurance) — covers damage to third parties
* PAI (Personal Accident Insurance) — covers your medical costs
Our honest recommendation for a first-time renter:
1. Confirm your Progressive coverage in writing before pickup
2. If Progressive confirms coverage — decline Enterprise’s LDW and save $25–$35/day
3. Check whether Progressive covers liability on rentals too — if not, consider Enterprise’s SLI or a standalone product
4. For complete peace of mind without touching your Progressive policy, a specialist like CarInsuRent offers excess coverage that keeps any claim entirely off your personal insurance record.
The key principle: never leave the lot uninsured, but never buy coverage you already have.
I might be renting cars in the near future and curious about how good AMEX insurance is.
In the event that damage would to happen under AMEX primary insurance, how is the process?
Most of the rental companies charge daily for insurance which can be costly and sometimes cost as much as the rental. Am I better off using personal insurance or opt into the car rentals insurance?
Thanks.
Great timing to research this before you need it. Here’s an honest breakdown:
When damage occurs, you don’t file through Amex at the rental desk the process is:
1. Return the car and let the rental company document the damage
2. The rental company sends you a demand letter with repair costs, loss of use, and administrative fees
3. You then file a claim with Amex’s benefits administrator — typically within 30 days of the incident
4. You submit the demand letter, rental agreement, your card statement showing the rental was charged to the card, and any supporting documentation
5. Amex reviews and pays the rental company directly or reimburses you
The catch most people miss:
1. You must have charged the entire rental to your Amex card
2. You must have declined the rental company’s CDW/LDW — if you accepted any of their collision coverage, Amex’s benefit typically won’t activate
3. Amex covers damage to the rental car — it does not cover third-party liability (damage you cause to other vehicles or people). That still needs to come from your personal auto policy or a separate liability product
If your Amex card offers primary CDW (Platinum and some Gold cards do — check your specific benefits guide), use it. It’s genuinely good coverage for collision damage and keeps claims off your personal insurance record. Just make sure you have separate liability coverage from your personal policy for the trip, and consider a standalone excess policy from a specialist like CarInsuRent for any gaps.
Does AMEX cover loss of use charged by the rental company or just damage to the car?
Great question that most people don’t think to ask until it’s too late.
The short answer: it depends on your specific Amex card, but generally yes — with conditions.
Most premium Amex cards (Platinum, Gold) do include loss of use coverage as part of their car rental protection, but there are important limitations:
1. Loss of use is typically covered up to a specific daily cap (often $35–$75/day) and subject to the rental company providing actual fleet utilization records proving the car was genuinely out of service — many rental companies can’t or won’t provide this documentation.
2. Some Amex cards cover loss of use only if the rental company provides a written demand with supporting documentation — if they just add it to your bill without documentation, it may not be honoured
Coverage varies significantly between US-issued and UK/internationally issued Amex cards — the benefit guides are different products.
3. Loss of use is separate from damage repair costs — you need to check your specific card’s benefit guide under “car rental loss and damage insurance” for the exact language
Action: Call the number on the back of your card and ask specifically: “Does my card cover loss of use charges from rental companies, and what documentation is required to file that specific claim?” Get the answer in writing if possible. Don’t rely on a general “yes you have rental coverage” answer — loss of use is frequently the excluded element that catches people out.
If they don’t cover loss of use, you can always purchase CarInsuRent coverage that covers this.
I’ve had very good experience with AMEX car rental insurance on a domestic rental. But mine was some 3 years back and with the old insurer – I understand the insurer has changed since. When I travel abroad I prefer taking out 3rd party coverage and not to decline the rental car company’s CDW as it seems risky.
Thanks for posting this.
The Platinum is great: 5X travel, and lounge access. But it has a few other benefits as well. You get Gold status at Hilton, Gold Elite at Marriott, elevated status at few rental car companies and rental car insurance coverage.
After getting a charge for a windscreen crack, i can confidently say that it is definitely worth it. Charge was about £740 so i thought the process of claiming back was going to be stressfull. However after proving all the invoices, it was one of the quickest charge backs I have ever received.
Thank you for sharing this with our audience.
Chargeback is the incorrect term. It’s car rental excess insurance. If you are on the hook for any charge to the car rental company for damage, you make a claim via the insurance that your Amex platinum provides and you are reimbursed.
I had two claims under my AMEX rental car insurance. On the first claim there was no excess. For the 2nd claim there was a £50 excess for some of the other parts of the insurance policy however.
Thanks for sharing this
Excellent post! Very informative and well-explained. Keep up the great work!