Does Amex cover rental car insurance in Europe?

Asked By: Diosdado Oses | Last Updated: 5th April, 2020
Category: automotive auto insurance
4.1/5 (497 Views . 40 Votes)
Renowned for some of the best and most comprehensive benefits available, American Express rental car insurance can help you save money with a wide scope of coverage throughout most countries in Europe.

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Consequently, what does AMEX cover for rental car insurance?

The secondary car rental loss and damage insurance included with many American Express cards will cover you when an eligible rental car is damaged or stolen. However, since the insurance is secondary, you'll need to file with any other insurance you have first (such as your personal car insurance or travel insurance).

Likewise, does Amex cover international car rental? Coverage is available internationally, except for vehicles rented in Australia, Italy, New Zealand and any country on the Office of Foreign Assets Control ("OFAC") sanctioned country list.

Just so, does my credit card cover rental car insurance in Europe?

Free coverage through your credit card Your first call should be to your car insurance carrier or agent, although most U.S. personal auto insurance policies will not cover you in Europe. However, your credit card might offer coverage for free. In that case you might not need to buy rental car insurance at all.

Does American Express cover rental car insurance in Italy?

American Express rental car coverage still does not extend to three key countries: Italy, Australia, and New Zealand—but this is a moot point for Italy. In Italy, collision and theft insurance is included by law on all car rentals as a default.

38 Related Question Answers Found

How do I use Amex car rental insurance?

First and foremost, if you want to use American Express' coverage, you have to charge your car rental to your Amex card. Use your card to reserve and pay for the entire rental, and make sure to decline the collision damage waiver offered to you at the rental car counter.

Does Amex credit card cover rental car insurance?

No American Express credit cards offer primary car rental coverage, although most offer secondary coverage. But all American Express credit cards offer an optional Premium Car Rental Protection policy that can be added to rentals made using the card for a small fee.

Which credit card is best for rental car insurance?

Best Personal Chase Credit Cards for Car Rental Insurance Coverage
  • Chase Sapphire Preferred® Card. One of the best overall credit cards for car rental coverage is the Chase Sapphire Preferred.
  • Chase Sapphire Reserve®
  • United MileagePlus® Club Card.

Does my credit card cover car rental insurance?

Most Visa cards will cover theft, damage to the rental car, towing and loss-of-use charges if you do not have a personal auto insurance policy. A few credit cards automatically offer primary coverage, meaning you are covered even if you have your own car insurance.

Do I need to buy additional insurance when renting a car?


when rental car insurance coverage is a good idea
Otherwise, rental insurance isn't legally required — which is not to say it can't help. If any of the following scenarios apply, the extra protection provided by rental insurance is worth considering: Your current policy doesn't have comprehensive and collision coverage.

Does my Amex Platinum cover rental car insurance?

Yes, the Amex Platinum Card comes with car rental loss and damage insurance. To be eligible you need to pay for the entire rental with your Amex Platinum Card and decline the CDW offered by the car rental agency.

Does Bank of America Travel Rewards have rental car insurance?

Limited benefits: The Bank of America Travel Rewards Visa credit card's benefits do not include auto rental insurance, trip cancellation insurance or roadside assistance benefits offered by many other travel rewards cards.

Does Amex Gold provide rental car insurance?

If you ever plan to rent a car, paying it with this card enables you to decline the rental's own collision waiver damage. Instead, Amex provides their own insurance for cardholders. The coverage applies to the primary cardholder (presumably you) and any additional card holders.

Does my credit card cover international car rental insurance?

Credit card rental car insurance. It's a mouthful that is worth looking into before you begin your adventure. Since U.S. auto policies typically won't cover you abroad, your credit card could step in to help cover the unexpected.

Should I buy rental car insurance Europe?


To begin with, most rental rates in Europe include liability insurance, which covers damage to anything outside the car—but not to the vehicle itself. For that you need a collision damage waiver (CDW). If your car is stolen and you don't have coverage, you could be liable for the full value.

Do I need rental car insurance in Spain?

Spain Car Rental Insurance. In Spain, unlimited third party liability insurance is legally required on all rental vehicles, and, fortunately for you, this is included in the price of all car rentals when you book with Auto Europe.

Does my car insurance cover me in Europe?

Insurance: the good news is you have basic cover in the EU
If you've got valid UK car insurance, you've also got the legal minimum cover in any EU country. But this can be very basic - in some countries you're covered for even less than UK third party insurance meaning theft and damage from vandalism isn't included.

Should I get CDW insurance?

Buying CDW coverage can save you money if your rental car is damaged. You may also have to pay the rental car company for the loss of use of that car while it is being repaired. On the other hand, CDW coverage can be quite expensive. In some cases, it can nearly double the cost of renting a car.

Does Visa cover international car rental?

For international rentals, this benefit is primary, and covers the rental vehicle for physical damage, vandalism and theft. You may rent the vehicle for up to 31 consecutive days per contract. And you must report damages to Card Benefit Services within 45 days of the incident.

Do I need extra car insurance for Europe?


There are no EU-wide rules on additional optional car insurance. Check the terms and conditions with your local insurer before you travel abroad. Insurers can apply different rules in each country.

How do I insure a rental car in Europe?

You have three main options:
  1. Buy a "collision damage waiver" (CDW) through the car-rental company (easiest but most expensive),
  2. Use your credit card's coverage (cheapest), or.
  3. Get collision insurance as part of a larger travel-insurance policy.

Do you need extra car insurance to drive in Europe?

Make sure your car insurance covers you to drive abroad. If you don't have overseas cover, you will only have the minimum legal cover (usually third party only) in the EU and you may need to pay an extra premium to extend your insurance cover. If you're hiring a car, don't forget to cover your hire excess.