The Plan. As an eligible Insured, the Cardholder may receive reimbursement for repair or replacement of the
Rented Automobile as a result of Damage or Loss to the Rented Automobile anywhere in the United States &
Canada. Reimbursement will be on an Actual Cash Value basis, for Damage or Loss for which the Insured is
responsible. This coverage applies provided the entire rental fee for the Rented Automobile, less redeemable
certificates, vouchers, coupons, or points has been charged to the Cardholder’s Card.
Eligibility. This Damage or Loss protection is provided to the Cardholder, as an Insured, automatically when, and
only when, the entire rental fee for the Rented Automobile is charged to the Cardholder’s Card, provided however,
the Cardholder may reject, at the time of rental, any coverage against Damage or Loss available from the Rental
Agency. It is not necessary for the Cardholder to notify Wells Fargo Bank, N.A., the administrator or the Federal
Insurance Company (the “Company”) at the time the rental fee is charged to your Card.
The Cost. This coverage is provided at no additional cost to eligible Insureds under the Master Policy #99073174
issued to American Express Travel Related Services Company, Inc., by Federal Insurance Company (the
“Company”).
Length of Coverage. The coverage period will not exceed thirty-one (31) consecutive days.
Amount of Insurance. The Company’s liability will be for a maximum reimbursement of $50,000 per rental. From
the amount of reimbursement due the Insured, the amount of any valid and collectible insurance will be deducted. In
no event will the Company be liable beyond the amounts actually paid by the Insured. The insured must file a claim
with their primary insurance as this policy is Excess Coverage.
Exclusions. Coverage does not apply to Damage or Loss resulting from the following:
• Any dishonest, fraudulent or criminal act of the Insured;
• Forgery by the Insured;
• Damage or Loss due to war or confiscation by authorities;
• Damage or Loss due to nuclear reaction or radioactive contamination;
• The Insured being intoxicated, as defined by the laws of the jurisdiction where the Damage or Loss occurred, or
under the influence of any narcotic unless prescribed by a physician;
• Intentional damage to the Rented Automobile by the Insured;
• Damage or Loss which is due and confined to wear and tear, freezing, mechanical or electrical breakdown or
failure, unless such
Damage or Loss results from a theft covered by the plan;
• Damage or Loss to tires unless damaged by fire, malicious mischief or vandalism, or stolen, or unless the Damage
or Loss be coincident with a covered loss;
• Use of the Rented Automobile to carry passengers and property for hire;
• Use of the Rented Automobile in tests, races or contests;
• Use of the Rented Automobile by a person other than the one authorized to operate the Rented Automobile by the
terms of the Rental Agreement;
• The Rented Automobile being operated or located in any territory prohibited by the terms of the Rental Agreement
• Loss of use of the Rented Automobile.
Vehicles NOT covered.
• Trucks, recreational vehicles, campers, pickup trucks and mini-buses;
• Limited-edition motor vehicles which are defined as high-value, exotic, high-performance or collector- type
vehicles;
• High-value motor vehicles which are defined as motor vehicles whose replacement value exceeds $50,000.
• Antique motor vehicles which are defined as any vehicle over twenty-five (25) years old, or any vehicle which has
not been manufactured for ten (10) years or more.
Effective Date. This plan is effective September 16, 2013 and will cease on the date the Master Policy #99073174
terminates (in which case the Cardholder will be notified by Wells Fargo Bank, N.A.), or on the date the Cardholder