各大发卡组织信用卡租车保险比较

旅行和航空 艾佳华 12729℃ 0评论

本文总结一下北美地区各大信用卡发卡组织的信用卡含有的租车保险的各项政策的比较,便于大家选择信用卡。

作为《巧用信用卡租车保险省钱 》一文的后续说明,便于大家选择信用卡。car-in

1、Visa和Mastercard:

Benefit Visa MasterCard
Offered on All cards Gold, Platinum, World, and World Elite
Rental Period 15 consecutive days domestic/31 abroad 31 consecutive days
Must decline rental insurance? Yes Yes
Vehicle Value Not specified <$50,000
Includes Physical damage, theft, loss of use* Physical damage, theft, loss of use
Excludes Injury, property damage, taxes, damage to other vehicles, diminished value, tire wear and tear
Primary or Secondary? Secondary Secondary
Drivers Covered All authorized drivers
Vehicles excluded Expensive, exotic or antique cars, trucks, pickups, RV’s, motorcycles, ATV’s, limousines and certain vans
Excluded Countries Ireland, Northern Ireland, Israel, Jamaica Maybe Italy, New Zealand, Australia, Ireland, Germany, Costa Rica, Israel, Jamaica, Mexico
Exclude SUVs/vans with more than 8 seats 10 seats
Max coverage Not specified $50,000
Max loss of use* Not specified $500
Report/file claim within 45 days 30 days
Source Visa Call to customer service

1)其中,关于visa的覆盖天数,Vsa signature卡是31天。
2)Chase UA的卡是primary的,另外现在新申请的Chase蓝宝石卡网站上已经写了是primary了
3)不过,只要你的汽车保险是半保,primary和secondary其实没啥差别,Visa的效率还是挺高的,一般只要你claim以后把材料都准备好,都会圆满解决的,有一点要当心的是,他们会让你选择是由他们直接联系租车看公司理赔还是把钱给你让你自己跟租车公司打交道,个人觉得还是选前者比较好。以某网友的经历为例——
”有次去华盛顿,路上被人超速撞了,hit and run,结果打电话给visa,由他们理赔,hertz给的账单是1000多刀,而visa算了一下只能赔付950刀左右,后来就让Visa去联系租车公司Hertz去处理了,反正后来Hertz也没找过我,以后又顺利地租了几次。但据别人的经验是,如果拿了钱自己去赔付的话,可能要补出那个差价。“


2、American Express:

Benefit Amex Basic Amex Platinum AmEx Premium
Offered on All cards Platinum Card All cardholders can purchase
Rental Period 30 days, consecutively or in a 45-day period in the same 75-mile location 30 days, consecutively or in a 45-day period in the same 75-mile location 42 days (30 in Washington State)
Must decline rental insurance? Decline full, can accept partial
Vehicle Value <$50,000 <$75,000 Not specified
Includes Physical damage, theft Also covers property damage and injury Also covers property damage and injury
Excludes Diminished value, taxes, wear and tear
Primary or Secondary? Secondary Secondary Primary
Drivers Covered All authorized drivers
Vehicles excluded Expensive, exotic or antique cars, many trucks, RV’s, motorcycles
Excluded Countries Ireland, Israel, Jamaica, Australia, Italy, New Zealand
Exclude SUVs/vans with more than 7 seats N/A
Max car coverage $50,000 $75,000 $24.95 plan: $100,000**
Max medical expenses per person N/A $5,000 $24.95 plan: $15,000
Accidental death and dismemberment: $100,000
Max property damage N/A $1,000/person, max $2,000 $5,000/person, $10,000 max
Max loss of use Proprietary information
Report/file claim within 2 days/60 days

**A $19.99 premium plan also exists, but with lower coverage limits

Exemptions

Students: Personal, Gold and Rewards Plus Gold cardholders who are enrolled in a four-year college or graduate program in the United States, and are receiving student benefits provided by card membership, areineligible.

California: Additional coverage costs $17.95, maximum coverage extended to

  • $100,000 car damage
  • $250,000 accidental death and dismemberment
  • $15,000/person medical expenses
  • $5,000/person property damage, maximum $10,000 overall

Florida: Property damage is capped at $15,000 per person, $25,000 overall.

 

1)关于AMEX的premium保险,客服态度很好,即使从网站上(priceline等)付钱租的车,只要都是用AMEX付的钱,打个电话给客服,他们都是一视同仁的,很爽气的加上保险(Chase UA也是)。

 

3、Discover:

 

Benefit Discover Discover Escape
Offered on Motiva, Miles, Open Road, More Escape
Rental Period 31 days, 45 for employees using business credit card 31 days
Must decline rental insurance? Yes Yes
Vehicle Value <$50,000 <$50,000
Includes Collision or upset only Physical damage, theft and towing
Excludes Theft, any damage not due to a collision, loss of use Diminished value, taxes, wear and tear
Primary or secondary? Secondary Primary (under certain conditions)
Drivers Covered All authorized drivers
Vehicles excluded Expensive, exotic or antique cars, trucks, pickups, RV’s, motorcycles
Excluded Countries Valid in any country that accepts Discover Ireland, Israel, Jamaica, Australia, Italy, New Zealand
Exclude SUVs with more than 7 seats 7 seats
Max coverage $25,000 $50,000
Max loss of use N/A N/A
Report/file claim within File claim in 90 days 30 days

4、关于Supplementary liability险:

1)这块由于信用卡不覆盖,如果个人没有汽车保险,对自己开车信心不是很足的话,还是建议购买,每天10来刀,多数上限100万刀,毕竟美国交通事故可能要赔很多钱,不买万一出了事儿容易破产。;
2)如果自己有汽车保险,由于一般基本都买州要求的最低标准,6-10万,可以在租车之前打电话给保险公司,让他们在租车期间临时调到最高限额,比如我就要求保险公司在我租车期间调到最高30万的限额,然后每天只要多付2刀就行了,等你租完了,再把它降回去就行了,这样只要付10-20块钱就能cover这个行程了。当然还是没有信心的话,还是就买租车公司的100万SLI吧。

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