Renting a car also leads you to subscribe to temporary car rental insurance. However, your bank card may already understand this offer. With your Visa Premier card, American Express or Mastercard Gold, rent a vehicle with confidence. Discover the different levels of insurance and assistance guarantees from which you benefit from your bank card.
Wherever you go, don't forget your first card. In addition to being able to pay your shopping more easily, it also allows you to benefit from a rental vehicle guarantee. The Visa Premier Rental Car card is effective in France and abroad.
Voici les différentes conditions pour profiter de cette garantie :
• Le loueur doit être une agence professionnelle. If you have rented from an individual, this offer is not effective, you must subscribe to an appropriate insurance agency to benefit from the guarantees you need. In addition, the professional rental agency must have you completed a contract that you must sign; This contract necessarily mentions the name of each driver of the car;
• All expenses related to the rental of the car must be paid via your Visa Premier card;
• The rental limit is 60 days, you can renew the contract if necessary;
• The claims limit is 2 per calendar year.
• The driver of the car must respect the driving clauses of the chosen vehicle, in addition to respecting the highway code in the region where he moves.
The Visa Premier Rental Car card covers the case of various flights and accidents, whether you are responsible or not. If your rental vehicle needs repair, insurance pays the total amount of repair up to a limit of 50,000 euros. In the case of vandalism, you must join a complaint with the police. The lessor can make flows on your card to pay the invoicing of repairs, and to benefit from a refund, you must present proof.
It should be noted that the car rental guarantee offered by the Visa Premier card is not an offer offered by the bank, but rather by the Visa card, therefore the company Visa. Thus, insurance and assistance services do not change depending on the bank. The bank can have an effect on the offer only when it comes to the caps of the prices imposed by your bank.
The car rental guarantee offered by the Visa card does not apply to all circumstances. Certaines exclusions sont à prendre en compte pour éviter toute confusion :
• Si vous choisissez un véhicule utilitaire, son poids ne doit pas excéder 3,5 tonnes.
• If you opt for a vintage car, it should not date from more than 20 years.
• You cannot rent a caravan or a motorhome to benefit from covers with your Visa Premier card.
• You cannot rent a luxury car, such as Ferrari, Limousine, Porsche or Jaguar.
• You cannot rent an all -terrain car.
• The coverage also excludes the damage perpetrated voluntarily, having caused the wear of the car.
Reserved for a privileged clientele, this card with the slogan "far from the ordinary" offers even more advantages than the Visa Premier card. For the rental vehicle warranty, your card covers up to 7,500 euros of expenses on the repair of the vehicle in the event of significant damage.
The conditions for obtaining the warranty are the same as for the Visa Premier card which means that you must pay all the costs related to the rental via your Platinum card. In addition to the advantages offered to you, you also get discounts on car rental costs in certain agencies such as Hertz, Sixt or Reviews.
At American Express, the Gold card and the Platinum card both allow to benefit from a car rental guarantee. The insurer is the company Chubb European Gourp SE, while my implementation of all the guarantees is made by Axa Travel Insurance. The AMEX Rental GOLD covers all the damage and the flights of the vehicle up to 75,000 euros. This guarantee is effective once you are 100 km away and more from your residence.
Voici les conditions pour bénéficier des avantages de l'Amex assurance location voiture :
• Votre compte bancaire American Express doit être en cours de validité ;
• You use your American Express card to pay all the costs related to the rental of the vehicle;
• The lessor must be a professional agency which has all the licenses imposed in the country where the vehicle is registered;
• Vehicles considered by AMEX car rental guarantees only designate four -wheel and registered motor cars;
• The insured is covered for a single contract, that is to say that the validity of the contract is limited to 90 days, you must therefore renew it for a longer delay;
• The contract is valid around the world; • The warranty is effective beyond 100 km of home from the insured.
You benefit from accident insurance, flight insurance, and a total deductible buyout. Insurance considers bodily damage and material damage. The guarantees of the LDW, CDW, TP, SLI and DEW type guarantees apply to your rented vehicle, as long as it meets all the conditions imposed. It happens that your car rental agency offers you all these types of insurance, if you have an Amex card, decline the offer. The rental must have been set only and completely by Pro Air France KLM card - American Express Platinum.
Voici les garanties de votre carte AMEX :
• Les dommages involontaires du véhicule : l'assurance prend en charge les dommages matériels, qu'ils résultent d'un vol, d'un accident ou d'un incendie, et ce, pendant la période de location. It should be noted that compensation does not exceed the value of the vehicle you have rented.
• In the case of additional civil liability, insurance covers material and bodily damage, the maximum limit of compensation being 750,000 euros.
Les exclusions de garantie
Comme toute assurance, votre carte American Express vous propose des garanties hormis quelques exclusions :
• Si la voiture subit des dommages causés par une fraude, des actes criminels ou un accident commis intentionnellement ;
• If complaints are targeting your family, or if your family files a complaint against you; This is also the case for those who were present with you during the event;
• If you have used the vehicle outside the period mentioned in the contract;
• If you have violated the terms of the contract, which caused the incident;
• If the rented vehicle is not yet registered, if it is a caravan or an all -terrain vehicle;
• If you have used the vehicle for a test or for a car race (knowing that it is strictly prohibited by professional car rental agencies);
• If by your fault, the vehicle has been requisitioned by the police;
• If the damage concerns the interior of the car, and this has been perpetrated by an intentional act;
• in the case of a natural disaster (normally covered by a national or regional guarantee fund depending on the country);
• in the case of legal prosecution by intentional fault;
• Damage to animals and other objects you have transported;
• If you have rented a self-service rental car.
In the insurance clause, several types of vehicles are excluded in the contract including the Rolls Royce, the Chevrolet, the Hummer, the Porsche, and many others.
The guarantees of the Master Card Gold Vehicle Rental Insurance are acquired worldwide to all natural persons who use this bank card to rent your car. The car you can rent and with which you can benefit from this insurance must not exceed 50,000 euros. The contract covers all of the material and physical damage.
Voici les conditions pour pouvoir bénéficier du gold master card location voiture :
• Le véhicule doit être loué à un loueur professionnel, avec qui vous avez signé un contrat de location ;
• You must pay car rental with your Mastercard Gold, so your account must be valid;
• The service is limited to 2 claims per year;
• The guarantees do not apply in the case of a flight or loss of keys;
• The names of the drivers must all appear in the rental contract;
• You must comply with all the regulations and conditions stipulated in the contract to the letter;
• You should not rent the vehicle for more than 60 consecutive days.
• You must meet the criteria imposed by the rental company and by law in the country where you run with the rental vehicle.
Dans la majorité des cas, l'on loue une voiture lorsque l'on est en voyage, ce qui amène à souscrire à une assurance, mais si vous disposez d'une Mastercard Gold, vous bénéficiez déjà des couvertures suivantes :
• Accident de voyage : l'assurance couvre tous les dommages matériels et corporels qu'il s'agisse d'un décès ou d'une invalidité causés par l'accident.
• Vehicle flight: your card also covers the costs related to theft or vandalism linked to the vehicle you have rented;
• Insurance also covers repatriation costs and medical costs abroad. To this end, you must already be covered by your health insurance, and your Mastercard Gold covers the rest of the non -reimbursed costs.
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