What Does Amex Cover For Rental Car Insurance?

If you're planning to rent a car, it's important to understand what insurance coverage your credit card offers. American Express (AMEX) is one of the most widely accepted cards for rental car insurance, but it can be confusing to know exactly what they cover. In this article, we'll explain the different types of rental car insurance offered by AMEX and help you choose the right card for your needs.

First and foremost, it's important to note that American Express does not provide primary automobile liability insurance. This means that if you cause an accident while driving a rental car, you will still need to have liability coverage through either the rental company or another source. However, AMEX does offer two types of coverage that can save you money and give you peace of mind: Collision Damage Waiver (CDW) and Theft Protection Coverage. We'll take a closer look at each of these in the next section.

American Express's Rental Car Insurance Coverage

You'll be relieved to know that with American Express, you're protected from unexpected expenses when renting a vehicle. Amex offers rental car insurance coverage that can save you from paying for damages or theft and keep your trip stress-free. However, it's essential to understand the limits and exclusions of this policy.

Amex rental car insurance limits differ based on the card type and issuing bank. Generally, the coverage is secondary to your primary auto insurance, meaning it supplements any benefits you receive from other sources. The policy reimburses up to a certain amount for damage or theft of the rented vehicle but excludes personal injury or property damage claims. Additionally, some countries have restrictions on Amex rental car insurance coverage; therefore, it's advisable to check with customer service before traveling.

Amex rental car insurance exclusions include cars rented for more than 30 consecutive days, luxury or exotic vehicles (e.g., Lamborghini), and off-road vehicles (e.g., ATVs). Also excluded are accidents resulting from driving while intoxicated or under the influence of drugs and reckless driving behavior such as racing or stunts. It's crucial to read through your policy's terms and conditions carefully before renting a vehicle so that you can fully understand what situations are covered by Amex rental car insurance.

Understanding Collision Damage Waiver (CDW)

To ensure you're fully protected while renting a car, it's important to understand what Collision Damage Waiver (CDW) includes. This type of coverage is often included in American Express's rental car insurance policy and can be incredibly beneficial for drivers who want to safeguard against financial loss due to damage or theft of their rental vehicle. Essentially, CDW is an agreement between the driver and the rental company that waives financial responsibility for any damages incurred during the rental period.

Understanding liability coverage is also crucial when considering your options for rental car insurance, especially if you plan on traveling internationally. Liability coverage provides protection against damages or injuries caused by your rental vehicle to other people or property. In most cases, this type of coverage is required by law in order to drive legally on public roads.

When you rent a car with American Express, collision damage waiver (CDW) and liability coverage are typically included in your policy at no additional cost. However, it's important to read the fine print carefully and understand any exclusions or limitations that may apply. For example, some policies may not cover certain types of vehicles or driving situations such as off-road driving or racing events. By understanding these details upfront, you can make informed decisions about which level of protection is right for you and your travel needs.

Theft Protection Coverage

If you're anything like me, the thought of having your rental car stolen while on vacation is a nightmare - that's why it's important to understand theft protection coverage. American Express (Amex) provides theft protection as part of their car rental insurance coverage. It covers the cost of replacing or repairing a vehicle if it’s stolen, up to the actual cash value of the vehicle.

However, there are some exclusions to Amex's theft protection coverage. For instance, if you leave the keys in an unattended vehicle or fail to properly secure it, your claim may be denied. Additionally, certain types of vehicles such as trucks and exotic cars may not be covered by Amex's insurance.

In case your rental car is stolen, you should immediately notify both the rental company and Amex by calling their hotline numbers provided in your policy documents. You'll need to provide details about how and where the incident occurred, along with any police reports filed. Once all information has been submitted and reviewed by Amex claims department, they will inform you about next steps and timeline for resolution of your claim.

Choosing the Right American Express Card for Rental Car Insurance

Picking the appropriate Amex card can be a game-changer when it comes to securing comprehensive coverage for your rental vehicle. American Express offers three different rewards program options, each with its own set of perks and benefits. The first is the Membership Rewards program, which offers rental car insurance coverage up to $50,000 for damage or theft.

If you're looking for more extensive protection, the Platinum Card from American Express may be a better choice. This card provides primary coverage on rentals worldwide and includes up to $75,000 in collision damage waiver (CDW) and theft protection. Additionally, it also covers loss of use fees that the rental car company may charge while their vehicle is being repaired.

When comparing coverage with other credit cards, Amex's premium offering stands out due to its increased liability limits and lack of deductible fees. However, keep in mind that this card does come with an annual fee of $550. If you're not willing to pay this fee but still want decent rental car insurance coverage through American Express, consider opting for the Gold Card instead. This card provides secondary CDW insurance up to $50,000 and carries an annual fee of only $250.

Remember that choosing the right Amex card for your specific needs depends on how much coverage you require as well as your budget constraints. Do your research and review all available options before making a decision on which one will provide you with peace of mind while renting a car anywhere in the world.


In conclusion, you now have a better understanding of what American Express covers for rental car insurance. With their Collision Damage Waiver (CDW), you won't have to worry about paying for damages caused by an accident while driving the rental car. Furthermore, their Theft Protection Coverage ensures that you won't be responsible for any loss or theft of the rental car.

To ensure that you have the best coverage possible, it's important to choose the right American Express card. Whether you opt for the basic coverage offered by most cards or upgrade to premium coverage with additional benefits, such as roadside assistance and travel accident insurance, make sure to read the fine print carefully before making your decision. By doing so, you can rest easy knowing that you're covered in case anything happens while renting a car.

Also Read:  Amex Platinum Rental Car Benefits