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Recent Comments Erndog on Delta Points SWAG Saturday giveaway Week #3 Harv on Delta Points SWAG Saturday brown palace hotel denver giveaway Week #3 Sterling on Delta Points SWAG Saturday giveaway Week #3 Abhishek Duggal on Delta Points SWAG Saturday giveaway Week #3 joseph brown palace hotel denver m on Delta Points SWAG Saturday giveaway Week #3 Blogroll
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On Tuesday I had a post about using just about any VISA card to pay for your rental car to give you additional protection over and above from your normal insurance (please read that post to get some background). Today I will review choosing an AMEX card over a VISA card. In a final post this weekend, I will look at the last few options like an AMEX upgrade or a card that offers primary coverage; but for today s post, this is just a standard AMEX card we are talking about.
Like VISA, almost ANY AMEX will give you protection. Having said that, just about each AMEX has different brown palace hotel denver T C as to what the exact benefits are for that card so you have to check. For example, depending on the card, coverage covers only cars with a mfg. suggested retail price of $50,000 for the Delta GOLD or PLATINUM or the RESERVE up to $75,000. VISA has no such firm numbers, but still it shows the importance of checking to see if a car is in fact covered (when the link is working as I was doing final checks and got the below):
#2) In no event shall coverage be provided when the Card member rents a Rental Auto beyond 30 consecutive days from the same Rental Company, regardless of whether the original agreement is extended, or a new written agreement is entered into, or a new vehicle is rented. Additionally, no coverage will be provided when the Primary Renter rents a Rental Auto for more than 30 consecutive days out of a 45 day period within the same geographic market/location (75 mile radius).
#3) NOT COVERED: Full sized sport utility vehicles, including but not limited to, Chevrolet/GMC Suburban, Tahoe and Yukon, Ford Expedition, brown palace hotel denver Lincoln Navigator, Toyota Land Cruiser, Lexus LX450, Range Rover or full-sized Ford Bronco. [also trucks]
With American Express Membership Reward points, you can see you are limited to only a few car rental companies. There is a clear advantage with Chase Ultimate Rewards, as you can use them with many more rental car companies.
brown palace hotel denver I could really go on and on with the got ya s like the fact that if your statement is past due you will not be covered but there are exceptions in some states to that. Also, you have to pay for the rental in full so don t use say 1/2 Ultimate Rewards points and 1/2 AMEX to pay. The bottom line on these is you must read with the card you have just what your perks are and are not. This is one of the hardest parts about this post as there is no way to cover all the points as they are different over infinite circumstances. The same thing goes for Mastercard. You have to check with each card. Some have NO coverage some have similar to VISA or AMEX. So, you just have to check.
To be fair, there are some big things that are perks over VISA like personal property in a car up to $1000 and up $2000 with others in the car. There is life insurance up to $200,000 plus $20,000 per passenger. If you check you will find some others. But for me, the legalese and differing conditions for differing cards, even inside the Delta family of cards, really bothers me. To me, the perks of this program do not outweigh the drawbacks. brown palace hotel denver To me, VISA is simple and straight forward across all the VISA products.
Some final personal thoughts. What are you trying to get? Do you want your deductible covered if you have an accident? That is what I am looking brown palace hotel denver for. I am not looking for extra coverage in case of damage to my stuff. I have life insurance so I don t pay with my AMEX to protect my family if I were to die in a wreck (would they even know to check for this?)! I have never rented a car for more than two weeks, but others I know do. I love so much of what AMEX offers brown palace hotel denver with Delta, but when it comes to this perk, I will NOT have peace of mind if I were to choose AMEX to pay for the rental.
I once used a MasterCard for a rental and tried to get coverage for a break-in (in which only glass was broken and nothing of significant value stolen). It was torture. Hours wait on hold, short hours of operation of the call-in center, brown palace hotel denver rejection, after rejection. They kept stating I needed to claim it on my own auto insurance but at the time I did not own a car and had no auto insurance. brown palace hotel denver I finally gave up and paid the ridiculous overcharged that the rental car company wanted ($450 to replace a passenger window) because it was still not resolved with MasterCard after 2 months brown palace hotel denver and Thrifty sent me to collections. I knew this was there plan to keep denying until I gave up. In the end I sent a letter to the state DA, BBB, and have never and will never use MasterCard again.
I don t know if Visa is better but for other purposes I have always had great customer service from Amex and why I use them for purchases of consumer items like electronics and have been using them for car rentals. I will see what happens if I never need a claim.
@Mark P I would not use MC for many reasons but thanks brown palace hotel denver for your feedback. I also have had PERFECT success with AMEX purchase warranty related issues. From what I have seen so far, VISA is great about these types of claims but would love REAL WORLD feedback about how it went. On paper , so far, a std VISA is the clear winner. But, stay tuned for part 3 soon.
I m with Mark, I don t own my own car and it s still almost impossible to suss out what is and isn t covered by credit card companies for those of us without our own insurance. There are a few cards like the United Mileage Plus that had all sorts of bullet points about Primary Coverage, etc., but who really knows until something happens.
I have carried a Diners Club card just for this purpose. It is one the few cards that is PRIMARY for rental car insurance (but not the only). So it is worth the annual fee to avoid having to use my personal insurance for a rental car accident. But I can t say how easy they are to deal with and hopefully won t ever have to try it out!
You know what, Rene. I m very happy you are laying this out in a consolidated format. On the Disney boards, the issue of car insurance comes up from time to time, and most people don t know or understand their liabilities or their coverage options. It is nice to have the info listed, so all I need to do is point
2nd my other friend, had a flat tire, although he had insurance from the rental car, they do not cover flat tire (the tire busted, needed replacement), he rented with Discover, so they cover the cost of new tire and labour
I would tend to think that for most Visa and Amex cards, the rental coverage perk was never really designed to be a perk .or maybe it was long ago but no long is. Seems like there s far too many hoops to jump through and too many gotchas for these to be really worth while.
Can t wait for the next post on this. I don t normally worry about this much because my company s rental agreement provides LDW as part of the contracted rate, but I m always looking for ways to protect myself when I head out on my own dime.
A number of years ago I slid into a guardrail in a snowstorm and the rental car s bumper brown palace hotel denver was dented (to the tune of $1400 in their inflated brown palace hotel denver version of auto body repair). Had rented with a Visa, and at the time didn t own a car or have other coverage. Visa paid the whole amount, no problem, and with very minimal hassle.
Rented vehicle in CA for a trip to Vegas last week. Paid with AMEX BRG 17.95$ per rental. Accident on I15 in Vegas (additional driver driving and was ticketed at fault). Rental vehicle damaged and was towed away. Other vehicle was damaged but could be driven. Case opened with AMEX Enterprise. AMEX has confirmed that they will cover entire cost for damaged vehicle (including Tow, Loss of use etc). Personal insurance to cover liability part (damages to other vehicle). Final decision brown palace hotel denver is still not made on coverage personal insurance will provide.
[...] Illinois brown palace hotel denver Indiana brown palace hotel denver Michigan Ohio Wisconsin- Winter Storm: Great Lakes Free Delta changes Recent Commentsjoseph m on Delta UP s the Customer Experience on Trans-con sSummary what card type will Delta Points use to rent cars? Answer: It depends on 1,2,3 Delta Points on Are you really safe saying NO to extra rental car insurance when paying with VISA?Paul @ Padorec on Delta UP s the Customer Experience on Trans-con sKen on Tamara talks about travel insurance too what more can we learn?longroller on Are you better brown palace hotel denver off using your AMEX card to rent a car for added insurance?Blogroll [...]