水- BOA AS summit 租车保险

如题刚刚收到卡,突然发现 租车保险是PRIMARY 好像完全可以类比CHASE卡的保险 比如CSP CSR(楼主没有CHASE卡, 全是amex + shiti+ boa)请问我租车应该可以直接用这个卡自动enroll保险吗

Visa Infinite® Card Auto Rental Collision Damage Waiver No cardholder wants to incur the expense of repairing or replacing a rented car. But accidents do happen, and vehicles do get stolen. No matter what happens to Your rental car, You can be covered with Auto Rental Collision Damage Waiver. Auto Rental Collision Damage Waiver reimburses You for damages caused by theft or collision – up to the Actual Cash Value of rental vehicles with an original manufacturer’s suggested retail price of up to seventy-five thousand dollars ($75,000.00) when new. Auto Rental Collision Damage Waiver covers no other type of loss. For example, in the event of a collision involving Your rented vehicle, damage to any other driver’s car or the injury of anyone or anything is not covered. Rental periods of fifteen (15) consecutive days within Your country of residence, and thirty-one (31) consecutive days outside it, are both covered. (Longer rental periods, however, are not covered). You are eligible for this benefit if Your name is embossed on an eligible card issued in the United States and You use it to initiate and complete Your entire car rental transaction. Only You as the primary car renter and any additional drivers permitted by the Rental Car Agreement are covered. How Auto Rental Collision Damage Waiver works Your Auto Rental Collision Damage Waiver benefit acts as primary coverage and covers theft, damage, valid loss-of-use charges imposed and substantiated by the auto rental company, administrative fees and reasonable and customary towing charges, due to a covered theft or damage to the nearest qualified repair facility. How to use Auto Rental Collision Damage Waiver 1. Use Your card to initiate and complete Your entire car rental transaction. 2. Review the auto rental agreement and decline the rental company’s collision damage waiver (CDW/LDW) option, or a similar provision, as accepting this coverage will cancel out Your benefit. If the rental company insists that You purchase their insurance or collision damage waiver, call the Benefit Administrator for assistance at 1-866-848-3643. Outside the United States, call collect at 1-804-673-8361. Before You leave the lot, be sure to check the car for any prior damage. This benefit is in effect during the time the rental car is in Your (or an authorized driver’s) control, and it terminates when the rental company reassumes control of their vehicle. This benefit is available in the United States and most foreign countries (with the exception of Israel, Jamaica, the Republic of Ireland or Northern Ireland). However, this benefit is not available where precluded by law, or where it’s in violation of the territory terms of the auto rental agreement, or when prohibited by individual merchants. Because regulations vary outside the United States, check with Your auto rental company and the Benefit Administrator before You travel, to be sure that Auto Rental Collision Damage Waiver will apply. Vehicles not covered

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看起来跟elite的一样

和CSP的也一样吗?

需要dp看理赔的体验怎么样,看文字确实和csr,amex付费版的保险一样好。

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应该不差吧

CSP我记得是可以cover 31天的?这个是不是美国境内只有15天?

csp还不保豪华车,最高50K价值,貌似特斯拉都被csp算做豪车不保

看term是的

蹲一个dp,昨天也发现了

同注意到这个term,如果和csr的一样好的话,简直是境外租车神卡了,尤其是csr砍掉了travel类别之后

boa elite 也是visa infinite 卡,但是租车好像是secondary

BOA elite is primary

这张卡好像没有NY excluded?

太好了。有没有联系电话 或者小册子详细说Auto rental insurance 条款的地方查看啊?

核心条款对比

比较维度 AS Summit (Visa Infinite) Ritz Carlton (Visa Infinite)
保险顺位 第一顺位 (Primary) 第一顺位 (Primary)
最高赔付额 $75,000 $75,000
境内租期上限 15 天 31 天
境外租期上限 31 天 31 天
不保国家 以色列、牙买加、爱尔兰、北爱尔兰 同样受限 (具体视 Visa 条款)

:magnifying_glass_tilted_right: 关键差异点

  1. 境内租期长度
  • Ritz Carlton 略胜一筹:Ritz Carlton 在美国境内的连续租期上限是 31 天,而 AS Summit 的条款显示境内上限通常为 15 天。如果你经常在美国国内进行超过两周的长途自驾,Ritz Carlton 更稳妥。
  1. 救援福利补充
  • Ritz Carlton 包含道路救援:Ritz 卡每年提供 4 次免费道路救援(Roadside Assistance),每次最高 $50,涵盖补胎、接电、开锁等服务。这在发生爆胎等非碰撞意外时非常实用。

:light_bulb: 总结建议

  • AS Summit 的表现算好吗?
    • 算非常好。市面上绝大多数信用卡的租车险是“第二顺位(Secondary)”,而你的这张卡是第一顺位。只要车辆价值(MSRP)不超过 $75,000 且租期符合要求,它的保障力度已达顶峰。
  • 如何选择?
    • 如果是 15 天内 的短期租赁,两张卡没有实质区别,用哪张支付租金即可。
    • 如果是 超过 15 天但在 31 天内 的美国境内租赁,首选 Ritz Carlton 以确保全程受保。
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https://www.bankofamerica.com/credit-cards/premium-elite-benefits/

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:joy: 没想到我这水贴都被人挖出来了

:grin: 对比的挺好,再加个CVX一块比一下?:joy:

问问有无在日本租的dp?csp可以连上noc一起保,这个可以吗