PREMIUM CAR RENTAL PROTECTION

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

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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)¹
You can choose from two coverage options to fit your budget²
You only pay when renting with any of your enrolled Card Account(s)
Liability coverage is not included³

Purchase coverage starting
with your next eligible rental

1. Coverage is for up to 30 consecutive days for Washington State Residents. In order to avoid overlapping benefits with Premium Car Rental Protection, you may have to decline similar coverage offered by the car rental company. If a car rental company requires you to purchase its coverage as part of the terms of its rental agreement, please contact us for a refund of the Premium Car Rental Protection insurance premium for that rental by calling the number on the back of your Card.
2. Cost ranges from $12.25-$24.95 per rental depending on coverage option selected and state of residence.
3. Uninsured or Underinsured Motorist, or Disability 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

KEY FEATURES

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; $12.25 / $15.25 for FL 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.

PROTECTION

Coverage is worldwide, except for vehicles rented in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand.⁴
Coverage is for up to 42 consecutive days (up to 30 consecutive days for Washington State Card Members).
Coverage extends to many vehicles available from Car Rental Companies.

COVERAGE

EXAMPLE OF HIGHER 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).⁵
Up to $15,000 for secondary medical expenses per person.
Up to $5,000 for secondary personal property coverage ($15,000 for Florida Residents).
Liability coverage is not included⁶

Enroll Now

Purchase coverage starting
with your next eligible rental

4. If providing benefits under this policy would violate U.S. economic or trade sanctions, then the policy would be void.
5. Coverage limit for passengers is $10,000 ($40,000 for Florida Residents / $250,000 for California Residents).
6. Uninsured or Underinsured Motorist, or Disability are also not included.

Explore the Added Value

Premium Car Rental Protection⁷ 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 Insurance⁸ that may be included with your eligible American Express^® Card Accounts to see how we stack up.

	What you get with this product ⁷	Car Rental Loss & Damage Insurance ⁸ that may be included with your Card Accounts
PRICE	A rate of $12.25 - $24.95 per rental covers up to 42 consecutive days.⁹ Competitor rates may range from $11 to $45 per day.¹⁰	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 vehicle.¹¹ 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 ($15.25 for FL residents, $17.95 for CA residents, $24.95 for all other states). Lower coverage option available.	Up to $50,000 in coverage for damage or theft; Select Card Accounts¹² receive up to $75,000.
WHAT IT COVERS	Many types of vehicles, such as luxury vehicles, SUVs, and pickup trucks.	Many types of vehicles, such as luxury vehicles, SUVs, and pickup trucks (gross vehicle weight rating under 10,000 lbs.)
WHO IT COVERS	Secondary medical coverage and accidental death or dismemberment coverage for drivers and passengers.	Not available on most Card Accounts. Select Card Accounts receive similar coverage.¹²

Enroll Now

Purchase coverage starting
with your next eligible rental

7. Premium Car Rental Protection is underwritten by AMEX Assurance Company. See Description of Coverage for details.
8. Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/CRLDIterms. If You have any questions about a specific vehicle, please call Us at 1-800-228-6855, if international, collect at 1-303-273-6497.
9. Cost ranges depending on coverage option selected and state of residence. Up to 30 consecutive days for Washington State Card Members.
10. 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 09/13/2017.
11. This product does not include coverage for Liability, Uninsured or Underinsured Motorist, or Disability.
12. As of May 2016, includes: The Platinum Card^®, The Centurion^® Card, and the Delta Reserve^® Credit Card, among others.

When you enroll your eligible American Express Card in Premium Car Rental Protection, only the Card selected will be enrolled, not all the Cards under your Account. Enrollment is required for each eligible Card under the Account by calling 1-800-228-6855 or visiting this website in the future.

If you apply for a new American Express Card or replace your existing American Express Card, please call us at the number listed above to confirm Card eligibility and enrollment status. Please note Corporate Cards and Cards issued by a third-party bank partner of American Express are not eligible for enrollment.

Additionally, eligibility may vary by your state of residence and enrollment status of other Card Accounts you previously opened.

Premium Car Rental Protection is offered through American Express Travel Related Services Company, Inc., California license number 0649234.

Enrollment is limited to permanent residents of the 50 United States and D.C. At this time, enrollments are not available in New Hampshire, Puerto Rico and United States 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. 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., which is the licensed insurance agency offering you this coverage, will provide services to you on behalf of the insurer, AMEX Assurance Company, Administrative Office, Phoenix, Arizona and will not receive compensation based on the sale of this insurance. Both these companies are wholly owned by American Express Company who may receive a financial benefit for these insurance products.

For telephone sales, the Limited Lines Travel Insurance Producer is The Signal in all states except NY and the jurisdictions of DC, PR and USVI. The Signal: 260 Interstate North Cir SE, Atlanta, GA 30339. Authorized sales representatives are permitted to provide general information about the insurance offered, including a description of the coverage and price, but are not qualified or authorized to answer technical questions about the terms and conditions of insurance coverage, including those coverages that are already maintained by the customer.

Purchase of travel insurance is not required in order to purchase any other product or service.

PREMIUM CAR RENTAL PROTECTION DETAILS

What the Plan Covers
The $100,000 coverage level with a premium of $24.95 ($15.25 for Florida Residents and $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 in Premium Car Rental Protection, only the Card selected will be enrolled, not all the Cards under your Account. Enrollment is required for each eligible Card under the Account by calling 1-800-228-6855 or visiting this website in the future.

If you apply for a new American Express Card or replace your existing American Express Card, please call us at the number listed above to confirm Card eligibility and enrollment status. Please note Corporate Cards and Cards issued by a third-party bank partner of American Express are not eligible for enrollment.

Eligibility may vary by your state, territory or jurisdiction of residence and enrollment status of other Card Accounts you previously opened.

Enrollment is limited to permanent residents of the 50 United States and D.C. At this time, enrollments are not available in New Hampshire, Puerto Rico and United States Virgin Islands.

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 secondary Personal Property, and 2) secondary Accidental Injury expense benefit 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 its 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 ($15.25 for Florida Residents and $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 ($12.25 for Florida Residents and $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) or any Additional Card issued under your Enrolled Card Account and coverage activated each time you use an Enrolled 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 verbal notice by calling 1-800-228-6855 or of written notice to American Express at American Express Company, P.O. Box 53701, Phoenix, AZ 85072-9872.

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.

The following disclosures are being provided to you as required by law. The disclosure that is applicable to your insurance purchase will vary depending on how you made your purchase.If you enrolled through this website:

Premium Car Rental Protection is offered through American Express Travel Related Services Company, Inc., California license number 0649234.

If you purchased your insurance over the telephone from a Limited Lines Travel Insurance Producer, they do not receive compensation and the following applies to you: