By Karen Dancheck (BonaireTalker - Post #24) on Wednesday, August 30, 2006 - 7:11 pm: |
Hello,
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By Vince DePietro (Experienced BonaireTalker - Post #436) on Monday, September 4, 2006 - 7:00 pm: |
Karen..To my knowledge when you take out insurance the coverage on the rental car is primary (third party).. Your own auto policy would be excess under the "owned -non owned auto" verbiage.. AMEX will cover collision (first party-comprehensive; as opposed to liability referred to as third party coverage) damage to the truck or vehicle is you decline the collision damage waiver (CDW). Check with AMEX to verify the first party coverage.
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By Ton van Berge Henegouwen (New BonaireTalk Poster - Post #1) on Tuesday, September 5, 2006 - 2:43 pm: |
Hello Karen,
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By Tommy H (BonaireTalker - Post #13) on Monday, September 25, 2006 - 8:06 pm: |
Hello Karen,
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By Ton van Berge Henegouwen (New BonaireTalk Poster - Post #5) on Tuesday, September 26, 2006 - 12:04 am: |
My name is Ton van Berge Henegouwen and I am the owner of AB Carrental, to my knowledge are pick up trucks not covered at Amex Insurance. We accept Amex, no problem and you are free to decline any kind of insurance at AB Carrental. But I know the sad stories about clients who declined insurance and later found that they are not covered and have to pay a huge amount of damage repair costs etc. Thanks.
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By Tribs Loves Bonaire (Supreme BonaireTalker - Post #3335) on Tuesday, September 26, 2006 - 6:10 am: |
Hi Karen! Long time no talk.
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By Tribs Loves Bonaire (Supreme BonaireTalker - Post #3336) on Tuesday, September 26, 2006 - 6:14 am: |
Sorry Karen, I missed the rest of your questions. Any one you list on the car as a driver will be covered by AMEX. Just be warned, some rental companies charge you extra for every driver you list. I think for Hertz it was $50.00 per additional driver. As for credit limit, it has nothing to do with the insurance. The insurance is handled separately just like your regular car insurance would be handled if you had a car accident.
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By Susan (Extraordinary BonaireTalker - Post #1728) on Tuesday, September 26, 2006 - 8:03 am: |
Ton,
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By DARLENE ELLIS (Extraordinary BonaireTalker - Post #2222) on Tuesday, September 26, 2006 - 12:35 pm: |
I just got my AmX premium insurance and you must be certain to get the $19.95 one because the $24.95 one does not cover trucks. They sent me one of each in error. I had to call like three times to make certain I had the right one. Read the exclusions to make sure you got the right one with the trucks covered.
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By Karen Dancheck (BonaireTalker - Post #45) on Tuesday, September 26, 2006 - 12:42 pm: |
Darlene, Thanks for the info! That is really good to know. What type of AMEX card do you have? What is the annual fee? I am trying to decide if is worth it to get an AMEX card. I had a visa card that became and AMEX, but MBNA still treats it like a visa. Go figure.
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By Tommy H (BonaireTalker - Post #14) on Tuesday, September 26, 2006 - 1:24 pm: |
Karen, if you have an AMEX card that is issued by a bank OTHER than the AMEX bank (ie Citibank, MBNA, etc) I do not think that they provide Amex's "Premium Car Rental Coverage". But I am not completely certain. So it would be best to give your MBNA bank a call to see if this type of coverage is available on your AMEX card. I do know that MBNA and other banks are trying hard to provide the same type of services on their AMEX cards as the regular AMEX charge cards but I do not know how similar the services they are. Another option is to call the AMEX bank customer service line directly (not MBNA) to see if they are willing to provide the "Premium Car Rental Coverage" service by charging your MBNA AMEX card. The advantage of the MBNA AMEX is that there is no yearly membership fee. There is a membership fee for most types of regular bank AMEX cards with a few exceptions. I believe that AMEX Blue and AMEX Optima do not charge a yearly fee.
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By Karen Dancheck (BonaireTalker - Post #46) on Tuesday, September 26, 2006 - 1:38 pm: |
Hi Tommy,
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By DARLENE ELLIS (Extraordinary BonaireTalker - Post #2223) on Tuesday, September 26, 2006 - 1:58 pm: |
I got the AMEX BLUE for the sole purpose of using it for the Truck insurance in Bonaire. There is no annual fee. You just use the card for your rental and then your card will get charged the $19.95 for the insurance each time you rent one.
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By Karen Dancheck (BonaireTalker - Post #47) on Tuesday, September 26, 2006 - 2:05 pm: |
I just called AMEX. The only problem with their "Premium Car Rental Coverage" is that you are not covered for liability. So if I accidently damage another car, I am not covered at all for the damages to that car. I know there is far less traffic in Bonaire than in New York City, but that still kind of stinks. Those of you who take the AMEX insurance, do you use some other insurance for liability?
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By DARLENE ELLIS (Extraordinary BonaireTalker - Post #2225) on Tuesday, September 26, 2006 - 3:22 pm: |
They suggest you take just the liability at the car rental place.
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By Vince DePietro (Experienced BonaireTalker - Post #458) on Tuesday, September 26, 2006 - 4:40 pm: |
Karen..Several issues.. As pointed out above Amex has various coverages available for their cardholders. I have Amex Fidelity gold & have purchased the additionaly coverage for the collision/comprehensive risks..
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By seb (Supreme BonaireTalker - Post #2926) on Tuesday, September 26, 2006 - 6:08 pm: |
Karen, the so called Amex Premium insurance is not available to residents of NY. The regular insurance provided automatically by your Amex card will not cover trucks, though certain SUVs may be covered. When you call Amex, write down the phone number, the name of the person you are speaking to, the time and date, and take notes on your conversation. Then do it all again, and you have covered yourself if you get the same answer twice and have documentation.
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By Tribs Loves Bonaire (Supreme BonaireTalker - Post #3338) on Tuesday, September 26, 2006 - 6:25 pm: |
Interesting Seb...I wonder why they won't cover New Yorkers?
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By seb (Supreme BonaireTalker - Post #2929) on Tuesday, September 26, 2006 - 9:57 pm: |
Tribbula, I don't know why, they just said it is not available in NY. I applied anyway, and they turned me down.
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By Karen Dancheck (BonaireTalker - Post #48) on Wednesday, September 27, 2006 - 10:43 am: |
Seb, Not sure why NY residents are not eligible. I have an apt in the city, but my primary residence is in New Jersey. I would just give them my NJ address if I were to apply.
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