Reply To: Platinum insurance [and correct card use]

[jj]

From the T&Cs:

The following benefits are dependent on use of the Card…

Now we need to know what a Card is:

“Card” means any Card or other Account access device issued to a Cardmember (or a Supplementary Cardmember) for the purpose of accessing the Account.

And an Account:

“Account” or “Card Account” means Your consumer and small business cards issued by American Express in the UK, excluding corporate cards and any American Express cards issued by bank partners.

The definition of Account includes all your cards, and the definition of Card allows you to use any card that accesses that Account. I imagine that a supplementary card on someone else’s account wouldn’t be read as one of your cards, though.

IANAL, but I read these T&Cs as meaning your Platinum insurance covers the full range of benefits if you purchase the trip using another Amex card such as the BAPP. What’s much less clear is what happens if you split the cost of the trip between Amex – hotels not on Amex but flight on Amex, for example.