Platinum car hire insurance

[cercwc76]

Sorry need to hire a car for a weekend. May i know where can I download the Platinum car hire insurance policy that covering me to pass on to car hire company. Also how to upload it to Zipcar app?

TIA

[dougzz99]

Login into you Amex account and click on insurance.

[e14]

I’m confused as to what you are trying to do, as I don’t think you can unbundle the minimum UK insurance requirements on a Zipcar? Or is it the 3xtra driver

[cercwc76]

dougzz99 wrote:

Login into you Amex account and click on insurance.

Unfortunately the insurance centre give me only travel insurance info but not related the car hire.

[cercwc76]

e14 wrote:

I’m confused as to what you are trying to do, as I don’t think you can unbundle the minimum UK insurance requirements on a Zipcar? Or is it the 3xtra driver

My understanding that Amex platinum come with a car hire insurance so that I don’t need to purchase any extra excess insurance protection being sold by the the car hire companies. Similarly to Zipcar they are advising to take out additional insurance to cover any incidents happen, eg excess fee etc.

[dougzz99]

You have to take the minimum insurance offered by the rental company. Amex then will insure you for up to £50K for your rental car, and up to £500K for damage to others people property, or £1million in USA.
What exactly are you trying to do or understand.

[e14]

cercwc76 wrote:

e14 wrote:

I’m confused as to what you are trying to do, as I don’t think you can unbundle the minimum UK insurance requirements on a Zipcar? Or is it the 3xtra driver

My understanding that Amex platinum come with a car hire insurance so that I don’t need to purchase any extra excess insurance protection being sold by the the car hire companies. Similarly to Zipcar they are advising to take out additional insurance to cover any incidents happen, eg excess fee etc.

You don’t need to add them onto the booking then as you are covered

[cercwc76]

dougzz99 wrote:

You have to take the minimum insurance offered by the rental company. Amex then will insure you for up to £50K for your rental car, and up to £500K for damage to others people property, or £1million in USA.
What exactly are you trying to do or understand.

Thanks for the info. Before i got the Amex platinum, i always bought a car hire excess insurance and asked to be provided by the car hire company when picking a car. That why i am trying to download the policy that can show if being requested.

Perhaps as suggested by e14, i am automatically covered by Amex platinum and can reimburse the claim if ever charged by the car hire company.

[Rob]

Exactly. It’s not, per se, a car hire insurance policy. Amex just promises to pay any bills you incur for not having insurance.

What I will say is that you should be prepared to allow a credit card swipe for the full value of the car if you are in a country where there is no liability cap. In the UK you are legally capped at £750ish so you’d never be asked for a swipe of more than that.

[can2]

I have a Plat. Can I pay the car hire with BAPP and still benefit from Plat’s “insurance” benefit?

[dougzz99]

Rob Burgess wrote:

Exactly. It’s not, per se, a car hire insurance policy. Amex just promises to pay any bills you incur for not having insurance.

What I will say is that you should be prepared to allow a credit card swipe for the full value of the car if you are in a country where there is no liability cap. In the UK you are legally capped at £750ish so you’d never be asked for a swipe of more than that.

Is that £750 right? National on more expensive cars make clear the excess is £1750. Europcar’s basic policy has an excess of £2100.

Another reason I mentioned the £50K limit on effectively CDW recently, the XC90 I was given in London had a list price of near £70K. Amex Plat insurance is OK based on policy, so long as you’re aware of potential shortfalls.