Amex Platinum car rental insurance and Turo

[Kowalski]

Hi all,

Does anyone know if the American Express Platinum car rental insurance will cover me when hiring a car through Turo? Turo is the airbnb of the car rental world for those that don’t know. I just tried calling Amex to but the insurance department is closed until Monday and I need to know by tomorrow!

[JDB]

No, as a peer-to-peer rental arrangement, Amex Plat doesn’t provide the usual car rental coverage if you book with Turo.

[Kowalski]

JDB wrote:

No, as a peer-to-peer rental arrangement, Amex Plat doesn’t provide the usual car rental coverage if you book with Turo.

Ah that’s a shame. Thanks very much for the quick response! I’m guessing I’d have to take out extra coverage through Turo in that case if they offer it

[Kowalski]

Hi just following on this.

I’ve now spoken to the Amex Platinum Insurance team and they said that I would be covered for any rental through Turo as long as there is a car rental agreement. I presume there must be a car rental agreement when hiring through Turo. In which case the Amex cover will apparently apply

[PeteM]

I’d perhaps get it in writing, like I did here: https://www.headforpoints.com/forums/topic/zipcars-are-covered-under-platinum-car-hire-excess-insurance-but-zipvans-are-not/

[Kowalski]

PeteM wrote:

I’d perhaps get it in writing, like I did here: https://www.headforpoints.com/forums/topic/zipcars-are-covered-under-platinum-car-hire-excess-insurance-but-zipvans-are-not/

Hi thanks, I’ll do that. Do you happen to have the contact email address to hand please?

[PeteM]

travel-queries (at) axa-assistance.co.uk

[Kowalski]

PeteM wrote:

travel-queries (at) axa-assistance.co.uk

Excellent thank you

[JDB]

Kowalski wrote:

Hi just following on this.

I’ve now spoken to the Amex Platinum Insurance team and they said that I would be covered for any rental through Turo as long as there is a car rental agreement. I presume there must be a car rental agreement when hiring through Turo. In which case the Amex cover will apparently apply

You need to get a very precise answer about this. Amex cards in the US are very precise about Turo and draw the distinction between contracts entered into with a private individual and one entered into with a commercial car rental company which operates through Turo. The former are not covered.

[Kowalski]

Posting to follow up on this. Finally received a reply from AXA but it’s pretty useless..

Good afternoon

Thank you for your recent enquiry.

The policy will cover you for the Car Rental Benefit providing there is a Rental Agreement.

If there is no Rental agreement through this company, then the benefit will not apply.

I guess I’ll have to make a booking and send them the documents. Then cancel the booking if they say it won’t be covered.