AMEX platinum car insurance

Warning

this is from amex platinum, don’t confuse with amex platinum cashback, with almost the same name.

AMEX only covers if i can refuse insurance.

You have car rental insurance with the Amex Platinum card as long as you reject any extra insurance options with the rental company basically. If you do have a collision, the rental company will charge you an excess and you make a claim with Amex (thru AXA I think?) to get the excess back.

my AMEX You are covered for:

  • Global Assistance Service
  • Purchase Protection
  • Refund Protection
  • Travel Accident - public transport only
    The above coverages are underwritten by AXA but your card may also include cover (eg. Car Rental Benefits) that is underwritten by a different insurance company.You should refer to your T&Cs and contact that company directly.