Insurance cover by Platinum

If you read the section headed ‘Eligibility’ and just below that the definition of ‘card’ (which is different to the expression ‘account’ and ‘card account’ used elsewhere in the policy and separately defined) I don’t think you are correct.

@JDB – I don’t get how you get this. Do you have the same definitions I do? Sorry but holding has been removed. There is no mention to it being platinum cards and indeed seems to specify any card and all accounts.

DEFINITIONS
Whenever the following words or phrases appear in bold, they will have the meaning as described below:

“£” shall mean United Kingdom pounds sterling.

“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.

“American Express” means American Express Services Europe Limited.

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

“Cardmember” means any individual who holds a valid Account.

@Froggee

I think it is clear from the ‘eligibility’ section:-

“ELIGIBILITY
The benefits described in these Policy Terms and Conditions are dependent upon a Card being issued, the Card account being valid and the account balance having been paid in accordance with the Cardmember agreement at the time of any incident giving rise to a claim.
The following benefits are dependent on use of the Card:
• Cancelling, Postponing and Abandoning your Trip;
• Cutting Short your Trip;
• Travel Inconvenience;
• Personal Belongings, Money and Travel Documents;
• Purchase Protection;
• Refund Protection;”

Sections such as medical and car hire are not dependent on one of the Plat card – you are always covered. I think that by separating out the above items, and the terminology/definitions used, it’s clear you must pay on the Plat for those elements.

The original question in this thread was re cancellation cover and I don’t see how that is covered by the Plat insurance unless you pay on the Plat card.

• This reply was modified 54 years, 4 months ago by .

@Froggee – also in the definitions you copied they make the distinction between “Account” or “Card Account” and “Card”. They are not the same – the latter refers to the Plat card and the former refers to any Amex card, per my original post.

It seems quite an unsatisfactory policy to the extent that people are so unsure of what it does or doesn’t cover and clearly if buying air tickets with Amex, it is preferable to pay on a different Amex for more points/Avios, but if you do you lose, inter alia, the cancellation cover.

• This reply was modified 54 years, 4 months ago by .

Froggee wrote:

Now I’m lost. Where does it say “Card “ is a platinum card? It says “Card” is any card used for accessing an “Account”. Depending on your perspective it’s a virtuous feedback loop or a circle of doom but I’m reading the same words as you and getting a completely different meaning.

Given that Amex always seem to pay out do you really think they intend to limit all these things to items only billed on the platinum card?

Why else would those specific sections be listed under eligibility? The use of the definite article, i.e. “the card” also seems germane.

I agree that there is some circularity in the policy wording which is not only poorly drafted but is also inconsistent with the IPID. The consensus I have previously read on here is that not all sections are covered when not using the Plat card and I certainly wouldn’t want to rely on them (ie things like cancellation) being covered without written confirmation from Amex or Axa.

• This reply was modified 54 years, 4 months ago by .