American Express Premium Car Rental Protection

Updated April, 2020

American Express cardholders have the option of Premium Car Rental Protection. It provides primary insurance for a rental car. The cost of this policy is an average of $24.95 for up to $100,000 worth of coverage. Residents of California and Florida get a decreased rate, and it's free for Platinum cardholders.

How do I get American Express Premium Car Rental Protection?

Not all American Express cardholders qualify for this protection. It's excluded from those who own:

  • Corporate cards
  • Cards that are issued by a third-party bank.

All other account holders qualify for this protection. Use your credit card to pay for your rental. Go online and purchase your American Express Premium Car Rental Protection once the payment goes through.

What types of rental cars aren't covered with this policy?

There are certain vehicles this policy doesn't cover, including:

  • Cargo vans
  • Custom vans
  • Vans with a seating capacity over eight passengers
  • Cube vans
  • Box trucks
  • Trucks with a gross vehicle weight of 10,000 pounds or more
  • Antique cars
  • Limousines
  • Off-road vehicles
  • Recreational vehicles
  • Motorized carts and campers
  • A car rented in a country that's on the Office of Foreign Assets Control list of sanctioned countries, including Italy, Australia, and New Zealand.

How much does this premium protection cost?

The price of this policy depends on what card type you have and where you live, but on average it costs $24.95 for up to $100,000 worth of coverage.

Residents of California pay $17.95 and Florida residents pay $15.25, while people with Platinum cards get this service for free.

American Express Car Rental Protection covers you for 42 consecutive days. Save money by paying upfront instead of a daily fee.

What are the benefits?

Why should you upgrade to the Premium package? We've listed some reasons for you to consider, including:

  • More protection: The premium protection service provides primary insurance. All your claims get made directly with your bank.
  • No increased premiums: Claims made with American Express Premium Protection don't increase your rates.
  • Save money: You don't pay for daily insurance installments. Stay covered for 42 days and renew if you intend to keep your rental for longer.
  • It's easy and fast: Adding the American Express Premium Car Rental Protection upgrade is simple. It's done online and the process is quick. This is a time saver for people on-the-go.

3 things to consider about American Express Premium Car Rental Protection

  • Look at other insurance options if you're renting a car that doesn't qualify for coverage from American Express. Allstate provides a 25% discount to clients who rent Hertz vehicles. Contact Allstate to get a fast and easy quote, today!
  • This policy's available for most American Express cardholders.
  • It's a great option if you frequently rent cars for business trips and vacations.

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