The information provided in this document is a summary of the key features and exclusions of the policy and does not form part of the
contract between us. Full details about the product is provided in your policy documents which are attached below. You can also access
these and wider information on the Platinum Card features and benefits by visiting americanexpress.com/uk/platinum-accepted-
conditions-list. This includes supporting lists of accepted medical conditions and sports attaching to your insurance coverage.
What is this type of insurance?
This insurance provides assistance in the event of certain travel emergencies, which impact your safety and security. Benefits have been
annotated by insurer as follows: Chubb (“CEG”); Inter Partner Assistance (“IPA”).
Chubb European Group SE (UK Branch) is governed under the French insurance code with registration number 450 327 374 RCS Nanterre.
Registered office: La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoire, France. Authorised and supervised by the
Autorité de Contrôle Prudentiel et de Résolution and authorised and subject to limited regulation by the Financial Conduct Authority (FS
Register number 820988). Details about the extent of our regulation by the Financial Conduct Authority are available from us on request.
Inter Partner Assistance SA, with registered office at Louizalaan 166, 1050 Brussels, and Company number 0415.591.055 is authorised by the
Belgian National Bank (under number 0487) and subject to limited regulation by the Financial Conduct Authority and Prudential
Regulation Authority. Details about the extent of our regulation by the Financial Conduct Authority and the Prudential Regulation Authority
are available from us on request.
✓
✓
✓
✓
✓
✓
✓
✓
Pre-existing Medical Conditions – See
‘Restrictions on Cover’ section below.
Medical treatment in country of residence.
Holiday Sports/Activities – See ‘Restrictions
on Cover’ section below.
All costs must be approved in advance by the
Insurer.
Pre-existing Medical Conditions – See
‘Restrictions on Cover’ section below.
Cancellation due to business reasons.
Abandonment after first leg of a trip.
£50 excess applies.
Circumstances known before booking a trip.
Disinclination to travel.
Deductions are made for wear and tear.
£50 excess applies.
£500 limit for money and travel documents.
£500 limit for a single item, pair or set of
items.
Limit of £50 money cover for children
under the age of 16 where no excess will
apply.
CAR RENTAL BENEFITS – THEFT, DAMAGE AND
LIABILITY
Commercial vehicles, motor homes, caravans
and trailers.
Cover applies only when rental agency allows
refusal of their insurance.
An insured person must be named on the
rental agreement.
TRAVEL INCONVENIENCE
Claims where travel tickets were not
purchased on the Card account.
Purchases which are not made on the Card
account.
Costs where a transport provider has offered an
alternative.
Baggage delay on the final leg of a trip.
Purchases made after baggage has been
returned.
Costs which are recoverable from any other
source.
Delays of less than 4 hours.
PERSONAL ACCIDENT WHILST ON A TRIP
Terrorist activities except on a public vehicle.
Participating in or training for professional
sports.
Work-related accidents.
The benefit amount for death is reduced to
£10,000 for children under the age of 16.
LEGAL ASSISTANCE AND COMPENSATION
Legal costs in pursuit of compensation where
the Insurer feels there is no reasonable
chance of winning a case or receiving
compensation.
Claims made against the Insured Person by
family members, or an employee of the
Insured Person.
Liability which is covered by another insurance.
Legal costs incurred where using a motorised
vehicle owned or possessed by the Insured
Person (liability benefits may apply where
vehicle is rented).
If legal proceedings are successful and costs are
awarded in favour of the Insured Person, any
legal costs and expenses are to be reimbursed
from costs awarded.
In an emergency, an advance up to £2,000 if
your cash, traveller’s cheques or credit cards
are lost or stolen and there are no other means
for you to obtain funds.
CAR RENTAL BENEFITS – THEFT, DAMAGE AND
LIABILITY (CEG)
£50,000 for theft or damage to vehicle
(including any applicable excess).
£500,000 (US$1 million in USA) for damage to
another person or their property.
TRAVEL INCONVENIENCE (CEG)
£300 for missed departure due to accident
or breakdown, travel delay, overbooking, or
missed connection.
£300 for baggage delayed by airline.
An additional £300 for extended baggage
delay by airline.
PERSONAL ACCIDENT WHILST ON A TRIP (CEG)
£50,000 for death or permanent disablement
on a trip caused by an accident (increased to
£250,000 when travelling on a public vehicle).
LEGAL ASSISTANCE AND COMPENSATION (IPA
for pursuit; CEG for defence)
£25,000 legal defence costs and legal costs in
pursuit of compensation.
£1,000,000 for legal liability for injuring
another person, or damaging their property or
possessions.
Your Insurance Documentation The Platinum Card® - July 2020 Page 4 of 21
Insurance United Kingdom Terms & Conditions American Express® Platinum Card
CONTENTS
1. Key information
2. Terms of Business
3. Terms and Conditions
1 KEY INFORMATION
HOW TO CLAIM
To report a claim or receive assistance please call 0800 917 8054 or in a medical emergency call
+44 (0) 20 3126 4109.
Please be ready to provide your Card number, which should be used as your reference number. Please ensure
copies are kept of all documentation relating to a claim. For further details please see the ‘How to Claim’ section
within the full Policy Terms and Conditions provided to you.
Please be aware that there may be other taxes or costs that are not paid through us or imposed by us.
CUSTOMER SERVICE & COMPLAINTS
You can visit our Card Benefit Insurance Centre at americanexpress.com/uk/insuranceportal to
• Check your cover
• Learn about your Card Insurance Benefits
• Read Frequently Asked Questions
• Create and download your Insurance Certificate
• Search for Medical providers
• Access Online Claims
American Express and the Insurer are dedicated to providing a high quality service and aim to maintain this at all
times. However, should you have a complaint, please contact American Express so your complaint can be dealt
with as soon as possible. Contact details are:
American Express
Global Customer Research and Solutions
Department 333
1 John Street
Brighton BN88 1NH
United Kingdom
Telephone: +44 (0) 870 600 0342
Email: [email protected]
Calls cost a maximum of 1p per minute, plus your phone company’s access charge.
American Express and Chubb European Group SE are members of the Financial Ombudsman Service (FOS)
who may be approached for assistance if you are not satisfied with the response you receive. Contact details are
given below. A leaflet explaining its procedure is available on request.
Financial Ombudsman Service
Exchange Tower
London E14 9SR
Telephone: 0800 023 4 567
or +44 20 7964 0500 (from abroad)
Fax: 020 7964 1001
Website: financial-ombudsman.org.uk
The Ombudsman will only consider your case if you have first given American Express and the Insurer the
opportunity to resolve it.
COMPENSATION SCHEME
In the unlikely event that American Express Services Europe Limited or Chubb European Group SE are unable to
meet their obligations, you may be entitled to compensation under the Financial Services Compensation Scheme
(FSCS). Further information about compensation scheme arrangements is available from the FSCS. Their
contact details are:
Financial Services Compensation Scheme (FSCS)
PO Box 300
Mitcheldean
GL17 1DY
United Kingdom
Telephone 0800 678 1100 or 020 7741 4100
Your Insurance Documentation The Platinum Card® - July 2020 Page 5 of 21
Website: www.fscs.org.uk.
2 TERMS OF BUSINESS
The information in this section explains the basis of the insurance services provided to you by American Express.
The insurance policies are arranged and held by American Express Services Europe Limited, registered in
England and Wales with Company Number 1833139, registered office Belgrave House, 76 Buckingham Palace
Road, London SW1W 9AX (“American Express”) for the benefit of Cardmembers.
1 The Financial Conduct Authority (FCA)
The FCA is the independent watchdog that regulates financial services.
2 Whose products do American Express offer?
American Express only offer Medical Assistance and Expenses, Cancelling, Postponing and Abandoning Your
Trip, Cutting Short Your Trip, Personal Belongings, Money and Travel Documents and Legal Assistance and
Compensation (pursuit) insurance underwritten by Inter Partner Assistance.
American Express only offer Car Rental Benefits, Theft, Damage and Liability, Travel Inconvenience, Personal
Accident, Legal Assistance and Compensation (defence), Purchase Protection and Refund Protection insurance
underwritten by Chubb European Group SE.
3 Which service will American Express provide you with?
You will not receive advice or a recommendation from American Express for any insurance associated with your
Card.
4 What will you have to pay American Express for their services?
There is no additional charge, fee or premium payable for the insurance benefits provided with your Card.
American Express does not act as an agent or fiduciary for you, and may act on behalf of the insurance provider
(as its agent or otherwise), as permitted by law. American Express may receive commissions from providers, and
commissions may vary by provider and product. In some cases, an American Express group company may be
the insurer or reinsurer and may earn insurance or reinsurance income. The arrangements with certain providers,
including the potential to reinsure products, may also influence the insurance which is provided to Cardmembers.
5 Who regulates American Express?
American Express Services Europe Limited has its registered office at Belgrave House, 76 Buckingham Palace
Road, London, SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number
1833139 and authorised and regulated by the Financial Conduct Authority (reference number 661836). Details
can be found by visiting the FCA website www.fca.org.uk/register.
6 Ownership
American Express Services Europe Limited is ultimately owned by the American Express Company.
7 What to do if you have a complaint
If you wish to register a complaint, please contact:
In writing:
American Express Global Customer Research and Solutions
Department 333,
1 John Street,
Brighton BN88 1NH
United Kingdom
Telephone: +44 (0) 870 600 0342
Email: [email protected]
Calls cost a maximum of 1p per minute, plus your phone company’s access charge
Further details on the complaints process are contained in the Policy Terms and Conditions. If you cannot settle
your complaint, you may be entitled to refer it to the Financial Ombudsman Service.
8 Are American Express covered by the Financial Services Compensation Scheme (FSCS)?
American Express is covered by the FSCS. You may be entitled to compensation from the scheme if it cannot
meet its obligations. This depends on the type of business and the circumstances of the claim. Insurance
advising and arranging is covered for 90% of the claim, with no upper limit. Further information about
compensation scheme arrangements is available from the FSCS.
Your Insurance Documentation The Platinum Card® - July 2020 Page 6 of 21
9 Remuneration and Commission
We arrange the policy with the insurer on your behalf. We provide this to you as part of your Card Membership
and there is no additional charge to you for doing this. We do not receive any remuneration or commission from
the insurer for arranging this policy.
DEMANDS AND NEEDS
This insurance meets the demands and needs of Cardmembers who require travel accident, travel
inconvenience, purchase protection and refund protection insurance cover alongside their Card account.
American Express has not provided opinions or recommendations on the suitability of the insurance for you.
3. POLICY TERMS AND CONDITIONS
These Policy Terms and Conditions give full details of the insurance cover provided with The Platinum® Card
under the group policies of insurance held by American Express Services Europe Limited with Chubb European
Group SE and Inter Partner Assistance.
With regard to sections of the policy provided by Chubb European Group SE (please refer to the definition of
‘Our/Us/We/Insurer’), Chubb European Group SE shall not be deemed to provide cover and it shall not be liable
to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such
claim or provision of such benefit would expose Chubb European Group SE to any sanction, prohibition or
restriction implemented pursuant to resolutions of the United Nations, or the trade and economic sanctions, laws
or regulations of the European Union, United Kingdom or United States of America.
ELIGIBILITY
The benefits described in these Policy Terms and Conditions are dependent upon a Card being issued, the Card
account being valid and the account balance having been paid in accordance with the Cardmember agreement at
the time of any incident giving rise to a claim.
The following benefits are dependent on use of the Card:
• Cancelling, Postponing and Abandoning your Trip;
• Cutting Short your Trip;
• Travel Inconvenience;
• Personal Belongings, Money and Travel Documents;
• Purchase Protection;
• Refund Protection;
The benefits outlined in these Policy Terms and Conditions may be varied, withdrawn or cancelled at any time.
You will be given at least 30 days’ written notice of any detrimental change. No claims arising directly or indirectly
from any Pre-existing Medical Condition(s), as defined below, will be covered.
DEFINITIONS
Whenever the following words or phrases appear in bold, they will have the meaning as described below:
“£” shall mean United Kingdom pounds sterling.
“Account” or “Card Account” means Your consumer and small business cards issued by American Express in
the UK, excluding corporate cards and any American Express cards issued by bank partners.
“American Express” means American Express Services Europe Limited.
“Card” means any card or other Account access device issued to a Cardmember (or a Supplementary
Cardmember) for the purpose of accessing the Account.
“Cardmember” means any individual who holds a valid Account.
“Children” means any of Your children (including step-children, fostered or adopted children) under the age of
25, on the first day of a Trip who are legally dependent on You and who are not in full time employment. (The
term Child shall have a corresponding meaning).
“Close Relative” means a person’s partner or spouse living at the same address, their mother, mother-in-law,
father, father-in-law, daughter, daughter-in-law; son, son-in-law; sister, sister-in-law, brother, brother-in-law,
grandparent, grandchild, step-mother, step-father, step-sister, step-brother, aunt, uncle, niece or nephew.
“Country of Residence” means Your current country of residence as evidenced by an official document.
“Family” means Your partner or spouse, living at the same address as You, and Your Children.
Your Insurance Documentation The Platinum Card® - July 2020 Page 7 of 21
“Insured” means (i) Cardmembers and their Families, (ii) Supplementary Cardmembers and their Families
and (iii) grandchildren of the Cardmember or a Supplementary Cardmember who are under the age of 25 and
travelling with anyone insured under the Card Account.
“Our/Us/We/Insurer” means:
- In respect of Section 1.1 Medical Assistance and Expenses, Section 1.2. Cancelling, Postponing and
Abandoning Your Trip, 1.3 Cutting Short Your Trip, 1.4 Personal Belongings, Money and Travel Documents,
1.8. Legal Assistance and Compensation (pursuit), Inter Partner Assistance SA an insurance company regulated
and authorised by the NBB, under number 0487, with registered office at Louizalaan 166, 1050 Brussels, and
Company number 0415.591.055. Inter Partner Assistance SA is authorised by the Belgian National Bank and
subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. Details about
the extent of our regulation by the Financial Conduct Authority and Prudential Regulation Authority are available
from Us on request.
AND
- In respect of Section 1.5 Car Rental Benefits – Theft, Damage and Liability, Section 1.6 Travel Inconvenience,
Section 1.7 Personal Accident, Section 1.8 Legal Assistance and Compensation (defence), Section 2.1 Purchase
Protection and Section 2.2 Refund Protection, Chubb European Group SE (UK Branch) is governed under the
French insurance code with registration number 450 327 374 RCS Nanterre. Registered office: La Tour Carpe
Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie, France. Authorised and supervised by the
Autorité de Contrôle Prudentiel et de Résolution and authorised and subject to limited regulation by the Financial
Conduct Authority (FS Register number 820988). Full details can be found online at https://register.fca.org.uk/
“Medical Condition(s)” means any medical or psychological disease, sickness, condition, illness or injury that
has affected You or any travelling companion or person with whom You intend to stay whilst on Your Trip; or
Your Close Relative or the Close Relative of any travelling companion, or a Close Relative of a person with
whom You intend to stay whilst on Your Trip.
“Medical Practitioner” means a legally licensed member of the medical profession, recognised by the law of the
country where treatment is provided and who, in rendering such treatment is practising within the scope of his/her
licence and training, and who is not related to You or any travelling companion.
“Policy” means the insurance cover provided under the Policy Terms and Conditions.
“Policyholder” means American Express Services Europe Limited.
“Policy Terms and Conditions” means these terms and conditions.
“Policy Summary” means the document summarising the Policy.
“Pre-existing Medical Condition(s)” means any past or current Medical Condition (other than those on the
Accepted Conditions list which is available by visiting americanexpress.com/uk/insuranceportal) which, during the
2 years prior to You booking a Trip, has given rise to symptoms or for which any form of treatment or prescribed
medication, medical consultation, investigation or follow-up/check-up has been required or received; and any
cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke,
aneurysm) that has occurred at any time prior to You booking a Trip.
“Purchase” or “Purchased” means items paid for or pre-booked using Your Card or items paid for where Your
selected provider would not accept Your Card.
“Public Vehicle” means any air or land vehicle, river or sea-going vessel operated under licence for the transport
of fare paying passengers. Public Vehicles do not include vehicles chartered privately.
“Senior Medical Officer” means Our Medical Practitioner, who shall be appointed by Us to assess any aspect
of any applicable issue where medical expertise is required pursuant to these Policy Terms and Conditions.
“Supplementary Cardmember” means a person who has been nominated by the Cardmember to be issued
with an additional Card on the Account and is also covered by the insurance benefits included with the Card.
“Trip” means a journey outside Your Country of Residence which must commence and end in Your Country
of Residence, or a journey within Your Country of Residence which must include a flight, or at least one night
of pre-booked accommodation away from home. Trip is extended to include any journey within Your Country of
Residence for Car Rental Benefits (Section 1.5) only. Trips must not exceed 90 consecutive days with a
maximum 240 days during each 12 month period. The Trip length will be extended to 365 consecutive days for
Your Children under the age of 25 on a Gap Year.
Your Insurance Documentation The Platinum Card® - July 2020 Page 8 of 21
“You/Your” means the Insured.
INSURANCE BENEFITS
Insurance benefits are secondary: We will only pay amounts under this Policy if they are not covered by other
insurance, state benefits or other agreements. You must inform Us of these and assist any relevant third parties
in seeking reimbursement where appropriate.
1. WORLDWIDE TRAVEL INSURANCE
WHO IS COVERED
All Platinum Cardmembers including Supplementary Cardmembers and their respective Families are covered.
In addition, all travel insurance benefits under this Section 1 will apply to grandchildren who are under the age of
25 on the first day of the Trip when they are travelling with You.
Age Limit for Medical Assistance and Expenses: All Cardmembers including Supplementary Cardmembers
and their Families must be under 70 throughout the Trip to receive Medical Assistance and Expenses benefits.
This Section 1 details the Card Travel Insurance benefits. Please note that You refers to an Insured. The
following conditions apply to all claims under this Section:
1) Benefit Limits: All limits under Section 1 are per Insured and apply while on a Trip.
2) Excess: An excess will be applied to Section 1.2 Cancelling, Postponing and Abandoning Your Trip; Section
1.3 Cutting Short Your Trip and Section 1.4. Personal Belongings Money and Travel Documents.
3) Trip Length: You are covered for a maximum of 240 days in a 365 day period and for single Trips up to a
maximum duration of 90 consecutive days.
4) Pre-existing Medical Conditions: You will not be eligible for benefits if You were previously aware of Your
condition (See Section 1.9 General Exclusions to Card Travel Insurance).
5) You must be registered with a UK general practitioner or equivalent Medical Practitioner in Your Country of
Residence.
6) Usual Sports and Activities Information: All benefits apply when participating in usual holiday sports and those
included on the Sports and Winter Sports Activities list which is available by visiting
americanexpress.com/uk/insuranceportal.
7) Insurance Benefits are secondary: We will only pay amounts under this Policy if they are not covered by other
insurance, state benefits or other agreements. You must inform Us of these and assist any relevant third parties
in seeking reimbursement where appropriate.
GAP YEAR EXTENSION TO WORLDWIDE TRAVEL INSURANCE
BENEFITS
When any of Your Children are travelling between full time education and employment, between secondary and
higher education, or when studying abroad (a “Gap Year”), the benefits under Section 1 shall be extended for the
full duration of the Gap Year up to a maximum Trip of 365 consecutive days. This benefit applies to only one Trip
of up to 365 days continuous travel per Child.
1.1 MEDICAL ASSISTANCE AND EXPENSES
IMPORTANT: Only Cardmembers, Supplementary Cardmembers and members of their Family who are
under the age of 70 throughout the Trip, are eligible to receive the Medical Assistance and Expenses benefits
under this Section 1.1.
All costs must be approved in advance by Us.
If You have an accident or You are ill during Your Trip, contact Us as soon as You can on
+44 (0) 20 3126 4109.
By contacting Us, We will, where possible, arrange everything necessary for You including seeing a doctor or
other medical professional, admission to hospital and Your medical treatment. We will also pay for necessary
expenses which have been approved by Our Senior Medical Officer. When You have recovered sufficiently,
if necessary We will arrange for Your travel home.
YOUR BENEFITS
You will be covered for the following:
1) Medical treatment: Up to £2,000,000 for necessary medical, surgical and hospital costs as a result of
You becoming ill or being injured during Your Trip. In order for Us to evaluate the facts of the medical
situation, You must release Your treating physician and Your registered Medical Practitioner(s) from
their doctor/patient confidentiality.
Your Insurance Documentation The Platinum Card® - July 2020 Page 9 of 21
2) Transport to hospital: Necessary costs for transporting or transferring You to the nearest adequately
equipped hospital, when deemed necessary by a recognised Medical Practitioner, if free transport is
not available.
3) Your travel home after treatment: We will arrange and pay for necessary costs to repatriate You to Your
Country of Residence when recommended by Our Senior Medical Officer, including the cost of a
medical escort if necessary.
4) Return home of Your travelling companions: The cost of an economy flight or standard rail ticket if their
original means of transportation home cannot be used.
5) Dental treatment: Up to £1,000 for emergency dental costs.
6) Friend or relative to extend their stay during Your treatment: Up to £150 a night (maximum 10 nights)
towards their meals and accommodation costs until Our Senior Medical Officer advises that You no
longer require further treatment on Your Trip.
7) Friend or relative to visit You in hospital: If You are travelling alone, the cost of an economy flight or
standard rail ticket and up to £150 a night (maximum 10 nights) towards meals and accommodation
costs for a friend or relative visiting You in hospital, or during Your recovery. The benefit will cease when
You return to Your Country of Residence
8) Hospital benefit: £50 per night while You are in hospital for items to make Your stay more comfortable,
up to a maximum total of £500.
9) Extend Your stay following medical treatment: Up to £150 a night (maximum 10 nights) towards meals
and accommodation costs for You and one other person if Our Senior Medical Officer advises You to
extend Your stay after Your treatment.
10) Convalescence benefit: Up to £250 a night (maximum 10 nights) towards registered nursing care and
meals and accommodation costs if Our Senior Medical Officer advises it is necessary following Your
return home.
11) Return home of Your Children: Reasonable travel expenses and up to £150 a night (maximum 3 nights)
towards meals and accommodation costs for a friend or relative to collect and bring home Your Children
if You are unable to care for them.
12) Recovery of Your vehicle: The cost of an economy flight or standard rail ticket and up to £150 a night
(maximum 3 nights) towards meals and accommodation costs for a replacement driver to collect and
bring home Your vehicle if it is not possible for You or Your travelling companions to drive.
13) Replacement colleague: The cost of an economy flight or standard rail ticket for a colleague to replace
You following Your return home after Your treatment or if You are unable to continue working on Your
Trip.
14) Reimbursement of any pre-paid excursion or specialised hired sports equipment: Up to £500 if You have
an accident, suffer an unforeseen illness or are undergoing medical treatment during Your Trip and a
registered Medical Practitioner advises You not to continue Your excursion or sports activity.
15) Search and rescue: Up to £100,000 for Your search and rescue costs.
16) Funeral and burial expenses: If You die whilst on a Trip, We will pay for either transportation of Your
remains home or up to £2,500 for local cremation or burial.
EXCLUSIONS
General Exclusions to Card Travel Insurance listed in Section 1.9 apply to all travel insurance benefits.
The following exclusions apply only to this Medical Assistance and Expenses Section 1.1.
You will not be covered in respect of the following:
1) Costs not approved by Our Senior Medical Officer.
2) Treatment that Our Senior Medical Officer considers can be reasonably delayed until Your return to Your
Country of Residence.
3) Medical, dental treatment, funeral and burial expenses within Your Country of Residence.
4) Treatment that can be provided free or at a reduced cost by a state benefit provider or equivalent, unless
otherwise agreed by Us.
5) Costs after the date Our Senior Medical Officer tells You that You should return home.
6) Costs where You have refused to follow the advice of Our Senior Medical Officer.
7) Treatment or costs incurred for cosmetic reasons unless Our Senior Medical Officer agrees that such
treatment is necessary as a result of a medical emergency.
8) Treatment or consultations that were planned or could reasonably have been foreseen, before Your Trip.
9) Coffins or urns in excess of those which meet international airline standards.
1.2 CANCELLING, POSTPONING AND ABANDONING YOUR TRIP
For the benefits under this section to apply transport and/or accommodation must have been Purchased in full
using:
I. the Card;
II. American Express Membership Rewards® points; or
III. Any travel rewards programmes provided the taxes and/or surcharges have been Purchased using the Card.
YOUR BENEFITS
You will be covered for the following:
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Up to £7,500 for Your unused travel, accommodation, excursions and leisure activities that have been
Purchased on the Card Account, which are non-refundable or any fee You are charged to change them if You
cancel, postpone, change or abandon Your Trip, due to:
a) You, or a person travelling with You, or a person You are visiting for the main purpose of Your Trip,
having an accident, suffering an unforeseen illness or dying before Your Trip;
b) Your Close Relative, or a Close Relative of a person travelling with You, or a Close Relative of a
person You are visiting for the main purpose of Your Trip, having an accident, suffering an unforeseen
illness or dying before or during Your Trip;
c) Your redundancy which qualifies for redundancy payments under current legislation;
d) You being called for jury service or being subpoenaed as a witness other than in a professional
or advisory capacity;
e) Unforeseen severe damage to Your home or Your business premises if the damage caused is likely
to be more than £25,000;
f) Theft at Your home or Your business premises that requires Your presence by the police;
g) Trip Abandonment: a delay of more than 12 hours on the outward leg of Your Trip as a result of
industrial action, adverse weather, mechanical breakdown of public transport, or a transportation
accident which means You no longer want to go on Your Trip. The period of delay is reduced to 6
hours for Trips of less than 5 days;
h) The UK Government (FCO - Foreign and Commonwealth Office) have issued, or upgraded a travel
warning to “advise against all but essential travel” to the area You were intending to travel, and this was
unforeseen at the time of booking.
EXCLUSIONS
General Exclusions to Card Travel Insurance listed in Section 1.9 apply to all travel insurance benefits.
The following exclusions apply only to this Cancelling, Postponing and Abandoning Your Trip Section
1.2.
You will not be covered in respect of the following:
1) Cancellation claims arising directly or indirectly from circumstances known to You prior to booking Your Trip.
2) Cancellation claims arising directly or indirectly from circumstances known to You when You apply for Your
Card and any Cards on Your Account.
3) Additional costs incurred if You fail to notify the providers of Your travel, accommodation, excursions and
leisure activities immediately that it is necessary for You to cancel Your Trip.
4) Claims where You are unable to supply a medical certificate from the appropriate Medical Practitioner,
confirming the Medical Condition which made it necessary to cancel Your Trip.
5) The first £50 of any claim.
6) Travel and/or accommodation costs not Purchased on the Card Account.
1.3 CUTTING SHORT YOUR TRIP
For the benefits under this section to apply transport and/or accommodation must have been Purchased in full
using:
I. the Card;
II. American Express Membership Rewards® points; or
III. Any travel rewards programmes provided the taxes and/or surcharges have been Purchased using the
Card.
IV. In the event of the purchase of emergency tickets to return to Your Country of Residence, if You are not a
Cardmember and not travelling with a Cardmember, another payment method may be used. Itemised receipts
must be kept as proof of purchase.
YOUR BENEFITS
You will be covered for the following:
1) If You cut short Your Trip due to:
a) You, or a person travelling with You, or a person You are visiting for the main purpose of Your Trip,
having an accident, suffering an unforeseen illness or dying;
b) Your Close Relative, or a Close Relative of a person travelling with You, or a Close Relative of a
person You are visiting for the main purpose of Your Trip, having an accident, suffering an unforeseen
illness or dying;
c) Unforeseen severe damage to Your home or Your business premises if the damage caused is likely
to be more than £25,000; or
d) Theft at Your home or Your business premises that requires Your presence by the police.
You will be paid up to £7,500 in total for the:
a) reasonable, necessary travel costs for You to return home, and to resume Your original, booked Trip
within the original planned dates of travel; and
b) the costs for Your unused travel, accommodation, excursions and leisure activities that have been
paid for or pre-booked and are non-refundable.
2) If You cut short Your Trip as a result of damage or theft at Your home or Your business premises, You will
be paid up to £250 for parts, labour and call out charges to render Your home safe and secure and avoid any
Your Insurance Documentation The Platinum Card® - July 2020 Page 11 of 21
further damage prior to Your return home (provided costs are not covered by Your home or business insurance,
or any other relevant insurance cover).
EXCLUSIONS
General Exclusions to Card Travel Insurance listed in Section 1.9 apply to all travel insurance benefits.
The following exclusions apply only to this Cutting Short Your Trip Section 1.3.
You will not be covered in respect of the following:
1) Claims arising directly or indirectly from circumstances known to You prior to booking Your Trip.
2) Claims arising directly or indirectly from circumstances known to You when You apply for Your Card and any
Cards on Your Account.
3) Claims for refunds for unused travel to a destination where We have already paid for Your alternative travel
arrangements to the same destination.
4) Claims where You are unable to supply a medical certificate from the appropriate Medical Practitioner,
confirming the Medical Condition which made it necessary to cut short Your Trip.
5) Subsequent claims arising from the same fault or event where the original fault has not been properly repaired
where You cut short Your Trip as a result of damage or theft at Your home or Your business premises.
6) The first £50 of any claim.
7) Travel and/or accommodation costs not Purchased on the Card Account, with the exception of purchase of
emergency tickets to return to Your Country of Residence, if You are not a Cardmember and not travelling
with a Cardmember.
1.4 PERSONAL BELONGINGS, MONEY AND TRAVEL DOCUMENTS
For the benefits under this section to apply transport and/or accommodation must have been Purchased in full
using:
I. the Card;
II. American Express Membership Rewards® points; or
III. Any travel rewards programmes provided the taxes and/or surcharges have been Purchased using the Card.
YOUR BENEFITS
This benefit applies to:
• Your personal belongings which You take, purchase or hire while on Your Trip.
• Your money and Your travel documents provided that they are kept on You at all times, locked in a
safe, or in a locked storage area of a vehicle.
You will be covered for the following:
1) If Your personal belongings, money and travel documents are lost, stolen or damaged, You will be paid up to:
a) £2,000 in total per Trip;
b) £500 for the current value or cost to repair any item, or any pair or set of items which are
complimentary or used together;
c) £500 for money and travel documents limited to £50 for Children under the age of 16.
2) You will be paid any necessary and reasonable additional travel and accommodation costs, and consulate
fees necessary to replace travel documents for You to continue Your Trip, or return home. In an emergency We
will provide an advance up to £2,000 if Your cash, traveller’s cheques or credit cards are lost or stolen and there
are no other means for You to obtain funds. Advances are made only with prior authorisation from American
Express and a debit is applied to the Cardmember’s Account.
3) We will provide advice and assistance where possible and any shipment costs in replacing emergency items
that are lost, stolen or damaged including prescription glasses, or contact lenses, prescriptions, and travel
documents necessary for You to continue Your Trip or return home.
EXCLUSIONS
General Exclusions to Card Travel Insurance listed in Section 1.9 apply to all travel insurance benefits.
The following exclusions apply only to this Personal Belongings, Money and Travel Documents Section
1.4.
You will not be covered in respect of the following:
1) Normal wear and tear.
2) Lost, stolen or damaged personal belongings where You have failed to take sufficient care of them or have left
them unsecured or outside Your reach.
3) Loss or theft not reported to the police or provider of Your transport or accommodation within 48 hours and a
report obtained.
4) Damage to personal belongings whilst in the care of a transport provider which has not been reported within
48 hours and a report obtained.
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5) Loss, theft of, or damage to, vehicles, their accessories, or items in a vehicle where there is no evidence of
break in.
6) Any documents other than travel documents.
7) Damage to fragile or brittle items.
8) Household goods.
9) Theft from a roof or boot luggage rack, other than theft of camping equipment.
10) In respect of money, any shortages due to errors and currency fluctuations.
11) Claims which are not supported by the original receipt, proof or ownership or insurance valuation (obtained
prior to the loss) of the items lost, stolen or damaged.
12) The first £50 of any claim with the exception of money and travel documents limited to £50 for Children
under the age of 16.
1.5 CAR RENTAL BENEFITS– THEFT, DAMAGE AND LIABILITY
YOUR BENEFITS
The Car Rental Benefits under this Section provide cover in place of the additional or optional insurances offered
by Your car rental companies such as:
• Collision Damage Waiver (often referred to as CDW)
• Loss Damage Waiver (LDW)
• Removal/reduction of excess (Super CDW/LDW)
• Theft Protection (TP)
• Top Up/ Supplemental Liability (SLI)
• Personal Accident (PA) (See Personal Accident benefit, Section 1.7)
Where mandatory rental insurance must be purchased from or via the rental company in respect of any vehicle
hire, the rental company’s insurance cover shall apply. The Car Rental Benefits provided with Your Card shall
apply where rental insurance is not offered by the rental company or You are able to decline optional
rental insurance offered.
These benefits apply to drivers named on the rental agreement which You are named on, subject to a maximum
of 5 drivers. You may have no more than one rental agreement at any one time.
You will be covered for the following:
1) The excess and any items You are responsible for under Your rental agreement which are stolen or damaged
(including but not limited to the rental vehicle). This will apply whether or not You are responsible for the
accident. You will be paid no more than the value of the rental vehicle up to £50,000 in respect of any one
accident or occurrence.
2) Legal expenses and assistance - Following an accident involving Your rental vehicle, You have the right to
select and appoint a legal representative of Your choice to represent You in respect of any claim submitted, any
legal inquiry or legal proceedings (a legal representative may only be appointed on a contingency fee basis,
where lawful and applicable to do so). You shall provide the Insurer with details of the name and address of the
legal representative You have selected. The Insurer may provide information about legal representatives in Your
local area if requested to do so by You, or may appoint a legal representative to act on Your behalf should You
so wish. Where You wish to appoint a legal representative of Your own choosing, You must obtain pre-approval
in writing from Us of that legal representative’s costs. We will cover Your appointed legal representative’s costs
to the extent that such costs do not exceed the costs that would have been incurred had We appointed a legal
representative on Your behalf.
3) Any related compensation and legal costs up to £500,000 (or US $1,000,000 in the USA) arising directly or
indirectly from one cause if You are found legally liable for injuring another person or damaging their property.
EXCLUSIONS
General Exclusions to Card Travel Insurance listed in Section 1.9 apply to all travel insurance benefits.
The following exclusions apply only to this Car Rental Benefits – Theft, Damage and Liability Section 1.5.
You will not be covered in respect of the following:
1) Amounts that are already covered under any insurance which is included in the rental agreement or covered
by insurance mandatorily purchased from or via the rental company as a term of the hire.
2) Claims made against You, by Your family, or any Cardmembers or Supplementary Cardmembers on Your
Card Account and their families, or any passenger, or anyone who works for You.
3) Claims made by You, against Your family, or any Cardmembers or Supplementary Cardmembers on Your
Card Account and their families, or any passenger, or anyone who works for You.
4) Use of the rental vehicle outside the terms of the rental agreement.
5) Mopeds and motorbikes, commercial vehicles, trucks, motor homes, and vehicles not licensed for road use
including but not limited to trailers or caravans.
6) Vehicles used off-road, in or in-training for, racing competitions, trials, rallies or speed testing.
7) Any fines and punitive damages.
8) Any costs where You admit liability, negotiate, make any promise or agree any settlement.
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1.6 TRAVEL INCONVENIENCE
For the benefits under this section to apply travel tickets must have been Purchased in full using:
a) the Card;
b) American Express Membership Rewards® points; or
c) Any travel rewards programmes provided the taxes and/or surcharges have been Purchased using the Card.
YOUR BENEFITS
The travel, refreshment and accommodation costs, and the purchase or hire of essential items covered under
this Travel Inconvenience Section 1.6 must be charged to Your Card to be eligible. If You are not a
Cardmember and not travelling with a Cardmember, another payment method may be used. Itemised receipts
must be kept as proof of purchase.
1) You will be reimbursed up to £150 per person for refreshment costs, or up to £300 per person (including £150
for refreshments) for additional travel and accommodation costs incurred prior to actual departure on Your Trip
if:
a) Missed departure. You miss Your flight, train or ship due to an accident or breakdown of Your
vehicle, or an accident, breakdown or cancellation of transportation on a Public Vehicle and no
alternative is made available within 4 hours of the published departure time;
b) Delay, cancellation or overbooking. Your flight, train or ship is delayed, cancelled, or overbooked and
no alternative is made available within 4 hours of the published departure time;
c) Missed connection. You miss Your connecting flight, train or ship and no alternative is made
available within 4 hours of the published departure time.
2) You will be reimbursed for the purchase or hire of essential items on Your Trip up to:
a) Baggage delay. £300 per person if Your checked in baggage has not arrived at Your destination
airport within 4 hours of Your arrival;
b) Extended baggage delay. An additional £300 per person if Your checked in baggage has still not
arrived at Your destination airport within 48 hours of Your arrival.
EXCLUSIONS
General Exclusions to Card Travel Insurance listed in Section 1.9 apply to all travel insurance benefits.
The following exclusions apply only to this Travel Inconvenience Section 1.6.
You will not be covered in respect of the following:
1) Under missed departure and missed connection, claims where insufficient time has been allowed to arrive at
the departure point or to arrive to connect with Your ongoing journey by flight, train or ship.
2) Additional costs where the airline, train or ship operator has offered alternative travel arrangements or
accommodation and these have been refused.
3) Baggage delay or extended baggage delay on the final leg of Your return flight.
4) Under baggage delay and extended baggage delay, items that are not immediately necessary for Your Trip.
5) Items purchased after Your baggage has been returned to You.
6) Failure to obtain a Property Irregularity Report from the relevant airline authorities confirming Your missing
baggage at Your destination.
7) Where You voluntarily accept compensation from the airline in exchange for not travelling on an overbooked
flight.
8) Costs which are recoverable from any other source.
1.7 PERSONAL ACCIDENT WHILST ON A TRIP
YOUR BENEFITS
This benefit only applies to accidents caused by a sudden identifiable violent external event that happens
by chance.
You will be covered for the following:
1) £50,000 if You have an accident on Your Trip which within 365 days causes:
a) death;
b) the complete and permanent loss of use of any limb;
c) the entire and irrecoverable loss of Your sight, speech or hearing;
d) permanent disablement confirmed by Our Senior Medical Officer that has lasted for at least 12
months preventing You from continuing any and every occupation and where there is no reasonable
chance of recovery.
2) The maximum amount that will be paid to You, or Your estate in the event of Your death, will be £50,000 per
Trip, unless You are on a Public Vehicle where the maximum amount is £250,000 per Trip.
3) The benefit amount for death is reduced to £10,000 for Children/grandchildren under the age of 16.
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EXCLUSIONS
General Exclusions to Card Travel Insurance listed in Section 1.9 apply to all travel insurance benefits.
The following exclusions apply only to this Personal Accident Whilst On A Trip Section 1.7.
You will not be covered in respect of the following:
1) Any claim related directly or indirectly to any Pre-existing Medical Condition.
1.8 LEGAL ASSISTANCE AND COMPENSATION
YOUR BENEFITS
The following benefits provide cover for Your legal costs and expenses incurred following an accident on Your
Trip. If legal proceedings are successful, any legal costs and expenses incurred are to be reimbursed and, where
lawful and applicable, any legal contingency fees shall be paid from the financial award received.
You will be covered for the following:
1) Legal Assistance and Compensation (defence): We will pay costs and compensation You are liable for
following an accident on Your Trip, if a claim is made against You and You are found legally liable for injuring
another person or damaging their property and possessions up to a value of:
a) £25,000 for legal defence costs;
b) £1,000,000 for compensation arising directly or
indirectly from one cause;
c) an economy flight or standard rail ticket if You have to attend a court.
2) Legal Assistance and Compensation (pursuit): If You have an accident or You are ill during Your Trip, and
decide to seek compensation, We will pay:
a) legal costs up to £25,000;
b) an economy flight or standard rail ticket if You have to attend a court.
Legal Proceedings: You have the right to select and appoint a legal representative of Your choice to represent
You in respect of any claim submitted, any legal inquiry or legal proceedings (provided that any appointment of a
legal representative is not on a contingency fee basis unless it is lawful and appropriate to do so). You shall
provide the Insurer with details of the name and address of the legal representative You have selected. The
Insurer may provide information about legal representatives in Your local area if requested to do so by You, or
may appoint a legal representative to act on Your behalf should You so wish. Where You wish to appoint a legal
representative of Your own choosing, You must obtain pre-approval in writing from Us of that legal
representative’s costs. We will cover Your appointed legal representative’s costs to the extent that such costs do
not exceed the costs that would have been incurred had We appointed a legal representative on Your behalf.
Interpreter Fees: We will arrange and pay for an interpreter to assist in legal cases where required.
EXCLUSIONS
General Exclusions to Card Travel Insurance listed in Section 1.9 apply to all travel insurance benefits.
The following exclusions apply only to this Legal Assistance and Compensation Section 1.8.
You will not be covered in respect of the following:
1) Any costs where You admit liability, negotiate, make any promise or agree any settlement.
2) Legal costs in pursuit of compensation where We think there is not a reasonable chance of You winning the
case or achieving a reasonable settlement.
3) Claims made against You by Your family, or any Cardmembers or Supplementary Cardmembers on Your
Card Account and their families, or anyone who works for You.
4) Claims made by You, against Your family or any Cardmembers or Supplementary Cardmembers on Your
Card Account and their families, or anyone who works for You.
5) Claims made by You against Us, American Express, any American Express group company, a travel agent,
tour operator or carrier.
6) Liability as a result of damage to property and possessions which are under Your care or responsibility during
Your Trip.
7) Liability You incur solely as a result of a contract You have entered into.
8) Liability which is covered by other insurance.
9) Claims caused directly or indirectly by ownership, possession or use of motorised vehicles, aircraft, watercraft
or firearms, or animals. (If You rent a car, You may be entitled to receive liability benefits. Please refer to Car
Rental Benefits in Section 1.5).
10) Claims caused directly or indirectly in connection with land or buildings which You own or are using except as
temporary holiday accommodation.
11) Claims arising directly or indirectly in connection with any business, profession or trade activity.
12) Any fines and punitive damages.
13) Costs relating to inquests, application for review of a judgment or legally binding decision.
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1.9 GENERAL EXCLUSIONS TO CARD TRAVEL INSURANCE
The following exclusions apply to all of this Section 1 – Card Travel Insurance.
You will not be paid for claims directly or indirectly as a result of:
1) Pre-existing Medical Conditions.
2) Not following the advice or instructions of Us or Our Senior Medical Officer.
3) Travelling against the advice of a registered Medical Practitioner.
4) Participating in sports and activities which would not be considered usual holiday sports or participating in
activities not included on the Sports and Winter Sports Activities list which is available by visiting
americanexpress.com/uk/insuranceportal.
5) Participating in or training for any professional sports.
6) Work-related accidents or accidents covered under any employment insurance policy.
7) Not taking reasonable care of yourself and Your personal belongings.
8) Your self-inflicted injuries except when trying to save human life.
9) Your injuries caused by Your negligence or failure to follow the laws and regulations of the country where You
are travelling.
10) Fear of flying or travelling on other modes of transport.
11) Your suicide or attempted suicide.
12) Your injuries or accidents which occur as a result of drug or alcohol abuse, or while under the influence of
alcohol (above the local legal driving limit) or drugs unless prescribed by a registered Medical Practitioner.
13) Industrial action which has commenced or has been announced prior to booking Your Trip.
14) Trips in, or booked to, locations where a government agency has advised against travel (except in relation to
pandemics or known events – see exclusion 15) or which are officially under embargo by the United Nations
other than as specifically covered in Section 1.2 sub-clause (h).
15) Any claim resulting from travel restrictions imposed by Governmental Offices relating to Trips booked after
the World Health Organisation declaring a pandemic or known event.
16) Any fraudulent, dishonest or criminal act committed by You, or anyone with whom You are in collusion.
17) Confiscation or destruction of Your personal belongings by any government, customs or public authority.
18) Terrorist activities except while on a Public Vehicle.
19) Declared or undeclared war or hostilities.
20) Actual or alleged exposure to biological, chemical, nuclear or radioactive material or substance.
21) Costs which are recoverable from any other source.
22) Your failure to take, properly or at all, any vaccinations or medication advised for Your Trip.
2. PURCHASE PROTECTION AND REFUND PROTECTION
This Section 2 details the Card Purchase Protection and Refund Protection benefits.
Purchase Protection and Refund Protection insurance cover is provided when eligible items are purchased on
the Card Account by the Cardmember or Supplementary Cardmembers. These insurance benefits are
secondary: We will only pay amounts if they are not covered by other insurance or agreements. You must
inform Us of these and assist any relevant third parties in seeking reimbursement where appropriate.
2.1 PURCHASE PROTECTION
YOUR BENEFITS
This benefit applies to items purchased on the Card Account for personal use that have had no previous owner
and were not purchased privately.
If an item You buy is stolen or damaged within 90 days of purchase, You will be paid:
a. the costs of repair or replacement of an item up to a maximum of the purchase price or £2,500
whichever is the lower. The purchase price will be the cost of a pair or set of items if they are used
together and cannot be replaced individually;
b. up to a maximum of £2,500 for any one incident;
c. up to a maximum of £20,000 in any 12 month period.
EXCLUSIONS
You will not be covered in respect of the following:
1) The first £50 of any claim.
2) Normal wear and tear.
3) Damage caused intentionally by You.
4) Damage to items caused by product defects.
5) Theft of or damage to items where You have failed to take sufficient care of them or have left them unsecured
or outside Your reach.
6) Theft not reported to the police within 48 hours of discovery and a written report obtained.
7) Not taking reasonable care of items or leaving them unattended in a public place.
8) Theft of, or damage to, vehicles and their parts.
9) Theft of or damage to money, or other cash equivalents, travellers cheques or tickets.
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10) Theft of or damage to animals, plants and perishable goods.
11) Any fraudulent, dishonest or criminal act committed by You or anyone with whom You are in collusion.
12) Confiscation or destruction of purchases by any government, customs or public authority.
13) Any portion of the purchase price not charged to Your Card Account.
2.2 REFUND PROTECTION
YOUR BENEFITS
This benefit applies to items purchased on the Card Account for personal use that have had no previous owner
and were not purchased privately. Only items purchased from a retailer operating in the UK with premises at a
UK address are covered.
If a retailer will not take back an unused item You purchased on the Card Account within 90 days of purchase,
You will be paid:
a. the purchase price of the item or £300, whichever is the lower.
b. You will only be paid up to a maximum of £1,000 under this Refund Protection Section 1.2 in any 12
month period.
EXCLUSIONS
You will not be covered for:
1) Any item with a purchase price less than £25.
2) Items that are not in a new and saleable condition, free from all defects, and in full working order.
3) Jewellery, precious stones, rare and precious coins or stamps; one of a kind items including antiques, art work
and furs; cash or its equivalents (including travellers cheques), tickets; services; books; animals and plants;
consumable and perishable goods; healthcare items; rebuilt and refurbished items; closing down sale items;
vehicles and their parts; land and buildings; items permanently affixed to home, office or vehicles.
HOW TO CLAIM
CLAIMS AND ASSISTANCE
In order to report a non-emergency claim, please visit americanexpress.com/uk/insuranceportal or call Platinum
Card Services on 0800 917 8054 or in a medical emergency +44 (0) 20 3126 4109.
Please be ready to provide Your Card number, which should be used as Your reference number.
CLAIMS CONDITIONS AND REQUIREMENTS
1) All claims and potential claims must be reported within 30 days.
2) All Medical Assistance and Expenses costs must be approved in advance by Us.
3) We will only pay amounts if they are not covered by other insurance, state benefits or other agreements. You
must inform Us of these and assist them in seeking reimbursement where appropriate.
4) Interest will only be paid on claims if payment has been unreasonably delayed following Our receipt of all the
required information.
5) Please ensure You keep copies of all documentation sent to substantiate a claim.
6) You must provide all the following items, information and documentation and anything else reasonably
requested by Us in order to make a claim. These must be provided at Your own expense.
WORLDWIDE TRAVEL INSURANCE
Benefit
Information required
General
• Your Card number
• Proof that You were on a Trip
• All documents must be original
• Completed claim form when needed
• The name of Your treating registered Medical Practitioner
Medical Assistance and
Expenses
• Invoices and medical report detailing medical treatment and costs You
have paid
• Any unused tickets
Cancelling, Postponing and
Abandoning Your Trip
• Approved medical certificates
• Any unused tickets or Trip invoices
• Evidence from the appropriate organisation detailing the cause and
duration of the delay if You abandon Your Trip
• Booking and cancellation invoiced from providers of services
• Independent documentation proving any non-medical reason for
cancellation
• Proof that You have Purchased accommodation and transportation on
Your Card, or the name and address of the merchant, in the event that
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Your chosen provider would not accept Your Card (This does not apply if
You do not have a Card and were not travelling with a Cardmember)
Cutting Short Your Trip
• Approved medical certificates
• Any unused tickets or Trip invoices
• Invoices and receipts for costs You have paid
• Independent documentation proving any non-medical reason for cutting
short Your Trip
• Proof that You have Purchased accommodation and transportation on
Your Card, or the name and address of the merchant, in the event that
Your chosen provider would not accept Your Card (This does not apply if
You do not have a Card and were not travelling with a Cardmember)
Personal Belongings, Money
and Travel Documents
• Report from police or provider of accommodation or transport
• Proof of ownership
• Damaged personal belongings
Car Rental Benefits – Theft,
Damage and Liability
• Rental Agreement
• Accident Report
• Approved medical certificates
Travel Inconvenience
• Travel Ticket
• Public transport operator’s confirmation of delay, cancellation, missed
connection or overbooking, and their confirmation that no alternative was
made available within 4 hours
• Airline confirmation (Property Irregularity Report) including details
of baggage return date and time
• Itemised receipts and proof of purchases made using Your Card. If You
are not a Cardmember and not travelling with a Cardmember, and an
alternative payment method has been used, You will still need to provide
proof of purchase
• Proof that You have Purchased travel tickets on Your Card or the name
and address of the merchant, in the event that Your chosen provider
would not accept Your Card. (This does not apply if You do not have a
Card and were not travelling with a Cardmember)
• Evidence from the appropriate organisation detailing the cause of the
delay if You miss Your departure
Personal Accident
• Evidence from the appropriate organisation detailing the accident
• Approved medical reports
Legal Assistance and
Compensation
• Relevant legal documents
• Evidence of incident as appropriate
PURCHASE PROTECTION AND REFUND PROTECTION
Benefit
Information required
General
• Your Card number
• Proof that You purchased the item on Your Card
• Receipt from retailer
• All documents must be original
• Completed claim form when needed
Purchase Protection
• Proof of purchase
• Report from police detailing theft
• Damaged items
Refund Protection
• Details of retailer who refused to accept returned items
• Purchased items in original packaging
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POLICY CONDITIONS
DURATION OF COVER
You are entitled to the insurance benefits under the Policy from the moment the Card is activated and for as
long as the eligibility criteria stated at the beginning of these Policy Terms and Conditions continue to be met
or until We withdraw or cancel the insurance benefits by notice to You.
VARIATION OF COVER
We reserve the right to add to these Policy Terms and Conditions and /or make changes or withdraw certain
insurance benefits:
1) For legal or regulatory reasons; and/or
2) To reflect new industry guidance and codes of practice; and/or
3) To reflect legitimate cost increases or reductions associated with providing this insurance; and/or
4) For any other legitimate commercial reason, for example in the event of a change of Insurer.
If this happens We, or American Express with Our authority, will write to You with details of the detrimental
changes at least 30 days before We make them. You may cancel Your Card if You do not agree to any
proposed changes.
CANCELLATION OF COVER
If We want to cancel a group policy under which insurance benefits are provided to You, We, or American
Express with Our authority, will write to You at the latest address held on file for You. The Policy will then be
cancelled no fewer than 30 days after the date of the letter.
LAW & LANGUAGE
This Policy shall be governed and construed in accordance with the laws of England and Wales and the courts
of England and Wales alone shall have jurisdiction in any dispute. All communication of and in connection with
the Policy Terms and Conditions shall be in the English language.
TAXES AND COSTS
Other taxes or costs may exist or apply, which are not imposed by Us.
ASSIGNMENT
You cannot transfer the insurance cover provided with Your Card to any other person.
COMPLIANCE WITH POLICY REQUIREMENTS
Where You or Your personal representatives do not comply with any obligation to act in a certain way specified
in this Policy, We reserve the right not to pay a claim.
CONTRACTS (RIGHTS OF THIRD PARTIES) ACT
The Contracts (Rights of Third Parties) Act 1999 or any amendment thereto shall not apply to this Policy. Only
the Insurer and You can enforce the terms of this Policy. No other party may benefit from this contract as of
right. The Policy may be varied or cancelled without the consent of any third party.
REASONABLE PRECAUTIONS
You shall take all reasonable steps to avoid or minimise any loss or damage.
CUSTOMER SERVICE & COMPLAINTS
We and American Express are dedicated to providing a high quality service and want to maintain this at all
times. If for some reason You are unhappy please let American Express know by calling
+44 (0) 800 917 8054 (select option for Insurance)
or, if You would prefer to put Your concerns in writing, please write to:
American Express
Global Customer Research and Solutions
Department 333
1 John Street
Brighton BN88 1NH
United Kingdom
Email: [email protected]
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American Express is a member of the Financial Ombudsman Service (FOS) who may be approached for
assistance if You are not satisfied with the response You receive. A leaflet explaining its procedure is available
on request. Contact details are:
Financial Ombudsman Service
Exchange Tower
London E14 9SR
Telephone: 0800 023 4 567
or +44 20 7964 0500 (from abroad)
Fax: 020 7964 1001
Website: financial-ombudsman.org.uk
The existence of these complaints procedures does not affect Your statutory rights relating to this Policy. For
more information on Your statutory rights, You should contact Citizens Advice.
FINANCIAL SERVICES COMPENSATION SCHEME
American Express Services Europe Limited, Chubb European Group SE and Inter Partner Assistance are
covered by the FSCS. You may be entitled to compensation from the scheme if either party cannot meet its
obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and
arranging is covered for 90% of the claim, without any upper limit.
Further information about compensation scheme arrangements is available from
the FSCS:
Financial Services Compensation Scheme (FSCS)
PO Box 300
Mitcheldean
GL17 1DY
United Kingdom
Telephone 0800 678 1100 or 020 7741 4100.
Website: www.fscs.org.uk
DATA PROTECTION
Details of you, your insurance cover under this policy and your claims will be held by us, Inter Partner Assistance
SA and Chubb, each acting as Data Controller of your personal data, for insurance benefits provided by them
respectively under this policy.
Data you provide under the travel inconvenience and collision damage waiver sections of the policy will be held
by AXA Travel Insurance as Data Processor on behalf of Chubb.
Data will be held for underwriting, policy administration, claims handling, providing travel assistance, complaints
handling, sanctions checking and fraud prevention, subject to the provisions of applicable data protection law and
in accordance with the assurances contained in our website privacy notices (see below).
We collect and process these details as necessary for performance of our contract of insurance with you or
complying with our legal obligations, or otherwise in our legitimate interests in managing our business and
providing our products and services.
These activities may include:
a) use of special categories of data about the health or vulnerability of you or others involved in your claims,
which has been provided with your prior consent, in order to provide the services described in this policy.
b) disclosure of information about you and your insurance cover to companies within the AXA group of
companies or Chubb group of companies, to our service providers and agents in order to administer and service
your insurance cover, to provide you with travel assistance, for fraud prevention, to collect payments, and
otherwise as required or permitted by applicable law;
c) monitoring and/or recording of your telephone calls in relation to cover for the purposes of record-keeping,
training and quality control;
d) technical studies to analyze claims and premiums, adapt pricing, consolidate financial reporting (incl.
regulatory); detailed analyses on individual claims and calls to better monitor providers and operations; analyses
of customer satisfaction and construction of customer segments to better adapt products to market needs;
e) obtaining and storing any relevant and appropriate supporting evidence for your claim, for the purpose of
providing services under this policy and validating your claim; and
Your Insurance Documentation The Platinum Card® - July 2020 Page 20 of 21
f) sending you feedback requests or surveys relating to our services, and other customer care communications.
Before collecting and/or using any special categories of data we will establish a lawful basis which will allow us to
use that information. This basis will typically be:
• your explicit consent
• the establishment, exercise or defence by us or third parties of legal claims
• the provision of this policy and/or services under the policy by agreement between us to enable you to make
insurance claims
• an insurance specific exemption provided under local laws of EU Member States and other countries
implementing the GDPR, such as in relation to the processing of health data of an insured person’s family
members or the special categories of personal data of individuals on a group policy.
We carry out these activities within the UK, in and outside the European Economic Area, in relation to which
processing the data protection laws and or agreements we have entered into with the receiving parties who
provide a similar level of protection of personal data.
In providing you with this policy and the benefits available under it, we will use the personal data you provide us,
including any medical and other special categories of data for your insurance cover, the provision of benefits and
the payment of claims.
If you provide us with details about other individuals who may benefit under this policy, you agree to inform them
of our use of their personal data as described in this document and in our website privacy notice (see below).
You are entitled on request to a copy of the information we hold about you, and you have other rights in relation
to how we use your data (as set out in our website privacy notice – see below). Please let us know if you think
any information we hold about you is inaccurate, so that we can correct it.
If you want to know what information is held about you by AXA Travel Insurance Limited, or Chubb European
Group SE, or have other requests or concerns relating to our use of your data, please write to us at:
Data Protection Officer
AXA Travel Insurance Limited
106-108 Station Road
Redhill
RH1 1PR
Email: dataprotectionenquiries@axa-assistance.co.uk
Or
Data Protection Officer
Chubb, 100 Leadenhall Street
London
EC3A 3BP
Email: [email protected]
Our full privacy notice is available at: www.axa-assistance.com/en.privacypolicy or
https://www2.chubb.com/uk-en/footer/privacy-policy.aspx
Alternatively, a hard copy is available on request.
MATERIAL DISCLOSURE
It is Your responsibility to provide full and accurate information to Us and American Express when You take out
Your Card and throughout the life of the Policy. It is important that You ensure all statements You make on
Your application form, over the telephone, on claim forms and other documents are full and accurate. Failing to
provide information when requested could affect the validity of this Policy and may mean that all or part of a
claim may not be paid.
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American Express Services Europe Limited has its registered office at Belgrave House, 76 Buckingham Palace
Road, London, SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number
1833139 and authorised and regulated by the Financial Conduct Authority (reference number 661836). Details
can be found by visiting the FCA website www.fca.org.uk/register.
Your Insurance Documentation The Platinum Card® - July 2020 Page 21 of 21
Chubb European Group SE (CEG) is an undertaking governed by the provisions of the French insurance code
with registration number 450 327 374 RCS Nanterre. Registered office: La Tour Carpe Diem, 31 Place des
Corolles, Esplanade Nord, 92400 Courbevoie, France. CEG has fully paid share capital of €896,176,662. UK
business address: 100 Leadenhall Street, London EC3A 3BP. Authorised and supervised by the French
Prudential Supervision and Resolution Authority (4, Place de Budapest, CS 92459, 75436 PARIS CEDEX 09)
and authorised and subject to limited regulation by the Financial Conduct Authority (FS Register number
820988). Details about the extent of our regulation by the Financial Conduct Authority are available from us on
request. You can find details about the firm by searching ‘Chubb European Group SE’ online at
https://register.fca.org.uk/.
Inter Partner Assistance SA, directly and through its branches (and any AXA group companies IPA appoint), will
provide and administer the Benefits and Services available under this policy. Inter Partner Assistance SA an
insurance company regulated and authorised by the NBB, under number 0487, with registered office at
Louizalaan 166, 1050 Brussels, and Company number 0415.591.055. Inter Partner Assistance SA is authorised
by the Belgian National Bank and subject to limited regulation by the Financial Conduct Authority and Prudential
Regulation Authority. Details about the extent of our regulation by the Financial Conduct Authority and Prudential
Regulation Authority are available from us on request.
