Does Amex Platinum Have Car Rental Insurance?

Are you a frequent traveler who often rents cars? If so, you may be wondering if your American Express Platinum Card provides car rental insurance coverage. The good news is that the Amex Platinum does offer some level of protection when renting a vehicle.

Understanding car rental insurance can be confusing, but it's important to know what coverage you have in case of an accident or other mishap. In this article, we'll explore the benefits of the American Express Platinum Card and dive into the specifics of its car rental insurance coverage. We'll also provide tips on how to use this benefit to ensure that you're fully protected while on the road. So, let's get started!

Understanding Car Rental Insurance

You'll want to understand the different types of insurance coverage available when renting a car. The most common types of car rental insurance are Collision Damage Waiver (CDW), Liability Insurance, and Personal Accident Insurance. CDW is also known as Loss Damage Waiver or Physical Damage Waiver. It covers damages to the rental car in case of an accident or theft.

Factors affecting car rental insurance rates include the type of vehicle you rent, your age, driving history, location, and the duration of the rental period. Some credit cards offer free car rental insurance when you use them to pay for your rental. However, it's important to read the fine print carefully to know what is covered and what isn't.

In summary, understanding the types of car rental insurance available is essential before renting a vehicle. Factors such as your age, driving record, and location can affect how much you will pay for coverage. Before relying on credit card coverage for your rental vehicle needs, make sure you read all terms and conditions thoroughly.  In your spare time take the time to learn the 5 types of car insurance.

Benefits of the American Express Platinum Card

Imagine being able to access a world of benefits just by having the American Express Platinum Card in your wallet. This card is designed for individuals who enjoy luxury experiences and want to make the most out of their travels. Here are some of the travel perks you can expect from this elite card:

  • Airport lounge access: With the Platinum Card, you can enter over 1,200 airport lounges around the world, including The Centurion® Lounge network, Delta Sky Club®, and Priority Pass™ Select.
  • Hotel perks: You'll receive VIP treatment at select hotels like Hilton Honors Gold Status and Fine Hotels & Resorts® program. Plus, you'll get room upgrades, complimentary breakfasts, and late check-outs.
  • Travel credits: You'll receive up to $200 in statement credits each year for incidental fees charged by your selected airline. Additionally, there's a $100 credit for Global Entry or TSA Pre✓® application fees every four years.
  • Personalized concierge services: The Platinum Card Concierge team is available 24/7 to assist with anything from restaurant recommendations to booking tickets for exclusive events.
  • Car rental privileges: In addition to car rental insurance coverage (which we'll discuss below), you can also enjoy benefits such as discounts and complimentary upgrades with certain car rental companies.

One of the many benefits that come with owning an American Express Platinum Card is car rental insurance coverage. This means that if you rent a car using your card as payment method, it will automatically provide secondary coverage against damage due to collision or theft up to certain limits. There are some exclusions and restrictions that apply depending on where you're renting and what kind of vehicle it is.

To activate this benefit, simply decline any optional insurance offered by the rental company when picking up your vehicle. Keep in mind that this coverage doesn't include liability protection or personal injury coverage - both of which may be required in some states - so it's important to verify what kind of insurance you need before hitting the road.

Owning an American Express Platinum Card offers various benefits that cater to your travel desires. From exclusive airport lounge access and hotel perks to travel credits and personalized concierge services, this card guarantees a luxurious experience throughout your travels. Additionally, the car rental insurance coverage adds an extra layer of protection when renting a vehicle with your card as payment method.

Car Rental Insurance Coverage for Amex Platinum

If you're planning on renting a car during your travels, it's important to know that the American Express Platinum Card provides secondary coverage against damage due to collision or theft up to certain limits. The Amex Platinum coverage limits are fairly generous compared to other credit cards' insurance policies. Specifically, this card offers up to $75,000 in coverage for eligible rental vehicles.

It's worth noting that while the Amex Platinum Card does offer car rental insurance coverage, it is not primary coverage. This means that if you have another insurance policy that covers rental cars (such as your personal auto insurance), you'll need to file a claim with them first before turning to your Amex benefits. Additionally, there are exclusions and restrictions on what types of rentals are covered by this benefit, so be sure to read the fine print carefully before relying solely on this protection.

Overall, the car rental insurance offered through the Amex Platinum Card can provide peace of mind and save you money in case of an accident or theft during your trip. Just be sure to understand its limitations and supplement it with additional coverage if necessary.

How to Use Amex Platinum Car Rental Insurance

Rev up your travels worry-free with the American Express Platinum Card's car rental insurance coverage - here's how to make the most of it. As an Amex Platinum cardholder, you have access to a comprehensive insurance policy that can save you money and hassle when renting a car. But before you hit the road, take note of the following tips on how to use your car rental insurance.

  • Know your Amex Platinum coverage limits: Your card offers primary coverage for damage or theft up to $75,000 per incident. This means that if something happens to your rental car, you won't need to file a claim with your personal auto insurer first. However, keep in mind that there are some exclusions and limitations, such as loss of use charges and certain types of vehicles (e.g., trucks, vans). Check your benefits guide or call Amex customer service for more details.
  • Book with eligible Amex Platinum rental car companies: To be covered by your card's insurance policy, you must rent from one of the approved companies listed on the American Express website. These include major brands like Avis, Hertz, National, Enterprise and Alamo. Be sure to book using your Amex Platinum card and decline any supplemental collision damage waiver (CDW) offered by the rental agency.
  • File a claim promptly if needed: If you do get into an accident or have other issues with your rental car during your trip, contact Amex immediately at 1-800-338-1670 (inside US) or +1-216-617-2500 (outside US). You'll need to provide documentation such as police reports and repair estimates within 30 days after returning the vehicle.

Using Amex Platinum Car Rental Insurance can give peace of mind while travelling without having any extra expenses in case anything goes wrong while driving on vacation. By being aware of its coverage limits and booking through eligible rental agencies using the Platinum card, you can save hundreds of dollars on rental car insurance. Remember to file a claim promptly if needed and keep all necessary documentation to ensure a smooth claims process. Happy driving!


Overall, if you are a frequent traveler and rent cars often, then the American Express Platinum card is definitely worth considering. The card provides comprehensive car rental insurance coverage that can save you money and provide peace of mind while on the road. With its wide range of benefits, including airport lounge access, travel credits, and hotel perks, the Amex Platinum card is an excellent choice for anyone who values luxury travel experiences.

In conclusion, with Amex Platinum car rental insurance, you can enjoy your travels without worrying about unexpected expenses or accidents on the road. The coverage provided by this card is extensive and includes damage to the rental car as well as liability protection. So next time you plan a trip that involves renting a car, make sure to use your Amex Platinum card to take advantage of all its benefits. Remember: safety first!