PLATINUM VISA BENEFITS

You must secure and charge the rental in full on the covered card and you must decline the Collision or Loss Damage Waiver at the rental agency. For personal cards, the name embossed on the card must be listed as the primary renter on the Rental Agreement, and all authorized drivers must be listed on the Rental Agreement. You also must follow all of the terms and conditions of the Rental Agreement.

For domestic rentals this benefit covers the rental vehicle for physical damage, vandalism, and theft. Coverage does not apply to lost or stolen personal belongings, injury to anyone, medical expenses, or personal liability. You may rent the vehicle for up to 15 consecutive days per contract. And you must report damages to Card Benefit Services within 45 days of the incident. Coverage is supplemental to and excess of your personal automobile insurance.

For international rentals this benefit is primary, and covers the rental vehicle for physical damage, vandalism, and theft. Coverage does not apply to lost or stolen personal belongings, injury to anyone, medical expenses, or personal liability. You may rent the vehicle for up to 31 consecutive days per contract. And you must report damages to Card Benefit Services within 45 days of the incident. Coverage is not available in Jamaica, Ireland, or Israel. It is not available where it is prohibited by law or by individual merchants, or is in violation of the territory terms of the rental agreement.

Please note: regulations vary outside of the United States, so we recommend that you check with your auto rental company before you travel to make sure this benefit will apply.

If you happen to be renting a vehicle in Australia, New Zealand, Costa Rica, or Italy, please note: often the purchase of a minimum level of collision damage coverage is mandated in these countries. In that case, your benefit is supplemental to that coverage.

Secondary coverage means that if you have other insurance that covers the theft or damage, the other coverage gets applied to the loss first, and this benefit helps to reimburse you for what's left over (e.g. the deductible portion of your personal automobile insurance and any unreimbursed portion of valid administrative and loss-of-use charges imposed by the rental car company, as well as reasonable towing charges resulting from covered theft or damage of the rental vehicle while it is your responsibility.)

If you do not have other insurance that covers this theft or damage, then this benefit is considered primary, and will reimburse you for the covered theft or damage as well as valid administrative and loss-of-use charges imposed by the auto rental company and reasonable towing charges that occur while you are responsible for the rental vehicle.

Covered vehicles include economy through luxury class automobiles, vans that do not seat more than 8 passengers including the driver, and SUV's only when driven on-road. All other vehicles are excluded, including trucks, cargo vans, and expensive vehicles.

You are responsible for gathering the necessary documentation to complete your claim. Please not that you must sign and return your claim form (or if you prefer, you can file online) within 90 days of the date of the incident regardless of whether you have received any other required documentation. All documents must be submitted within 365 days of the incident. The required documents are listed on the claim form, and include:

• Initial rental agreement & final rental agreement
• Copy of your monthly billing statement showing the charge of the rental
• Copy of personal automobile insurance Declaration Page (Domestic Rentals Only) effective at date of incident OR a notarized statement of no insurance
• Itemized list of repairs from the Rental Agency
• Repair Bill
• Incident Report

This benefit extends the time period of the original manufacturer's warranty. For terms of less than a year, the warranty is doubled, and for terms of 1-3 years, the warranty is extended by one year. For example, if the original warranty is for 6 months, this benefit would double the warranty for an additional 6 months so you would have a total of 1 year of coverage. If the original warranty is for 2 years, this benefit would extend the warranty for an additional year, so you would have a total of 3 years of coverage. There is a per claim maximum and a per cardholder maximum. Please see full terms and conditions of the benefit for more details.

You will want to read the full terms and conditions, but here are some examples: the item must be purchased with your covered Visa Card, and the extension of the warranty's time period applies to U.S. warranties only. Some items are excluded from coverage, such as motorized vehicles, real estate, computer software, medical equipment, and items that are pre-owned or used.

Yes, as long as you use your covered Visa card for the purchase and the eligible item has a valid original manufacturer's U.S. repair warranty of 3 years or less, store purchased dealer warranty, or assembler warranty.

You must notify the Benefit Administrator within 60 days of the failure, and submit your completed claim form within 90 days of the failure.

In addition to the claim form, you will need the following:

• An itemized sales receipt for the purchase – if you don't have this, the store where you made the purchase may be able to print a duplicate receipt for you
• Your Visa billing statement showing the purchase – your bank can usually make a copy for you
• A copy of the original manufacturer's warranty – a copy can usually be downloaded and printed from the manufacturer's website
• The Benefit Administrator may ask you to provide additional information, such as a repair estimate (if applicable)

If you have any questions, or are experiencing difficulty obtaining documents, simple call 1-800-551-8472

In most cases, once the Benefit Administrator has all the paperwork they need to process the claim, a decision will be made within five business days. The Benefit Administrator will send you the notification of their decision.

Service providers are independent contractors that provide emergency roadside assistance and towing services. All contractors are solely liable for their services

Towing rates apply to vehicles with a weight of up to one-ton gross vehicle weight. If you require a tow for more than 5 miles, you must pay the cost beyond 5 miles. If a secondary unit being towed behind is not included, it can be accommodated for an additional fee.